vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
A collection agency called M. Leonard & Associates is wrongfully listing a collection account on my XXXX credit report. I disputed the account on XX/XX/XXXX with XXXX, and on XX/XX/XXXX, I received an email stating that the collection account was updated but not removed. I'm in the process of sending a debt validation letter to M. Leonard & Associates, with copies sent to XXXX and the CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Because of the Pandemic during the months of XXXX and XX/XX/2020 the car payments were late. I called the Lender and explained that Millions of people were waiting for their unemployment payments due to not working because of pandemic. Lender agreed that I would not be penalized for late payments. All of a sudden I notice my credit score drops 30 points because the lender reported me late. I was able to make my XX/XX/2020 Payment because I received the {$1200.00} stimulus check but I was still waiting on my unemployment. I Filed for that unemployment in XXXX and did not receive my first check until XX/XX/2020 and you will see that on my credit report I made a payment of XXXX and XXXX at one time. The lender did this on purpose they know late payment will drop your score and if they keep your score low they stay in business. Something needs to be done about this type of fraud. I have no problem allowing my cell phone records to be pulled to show proof there were calls to the lender during that time. What other reason would I be calling the lender? I have never called them since getting the loan and since the last call to dispute. Infact I can show my bank statements where I was not charged late fees for that month so then why was I reported late to credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
To whom this may concern : The Company Synchrony Bank has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. Synchrony Bank closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XXXX of XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I notified checking account withdrawn {$140000.00} without my signature on XXXX XXXX the bank cancelled my request without my signature or admission on XX/XX/2020. 
My attorney called and letter to the bank to redeem for {$150000.00} on XXXX. 
My attorney called and letter to the bank to Reopen Claims {$150000.00} on XXXX XXXX the bank send letter that can not re-open without declaration on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: VA

Complaint narrative:
Hunter Warfield, a Debt Collector called me in XX/XX/2020. The all begins with the Hunter Warfield representative asking how I would pay the debt of {$5100.00}. I first began to explain to the representative that I did not think it was the correct amount. I explained to him that due to the pandemic, and as a part-time XXXX  I have not been working. He proceeded to tell me that I had just moved and bought a house and had enough time to pay my debt. He also said that I owned a business and that I had money and should pay my bills. This escalated as I felt attacked by this representative with Hunter Warfield  who proceeded to tell me what my financial situation was during these difficult financial times. The call turned into a shouting match and so the Manager took over the call and proceeded to tell me that if I did not set up payments their clients were going to take me to court pursue legal action, and he kept repeating this message. After feeling intimidated and threatened, I finally set up payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I never received a verification of the debt. I have requested validation verification of the debt without any respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: NJ

Complaint narrative:
Hi! I recently received my dayghters way2go card. I've been trying to activate it and its not working im not sure if its the security code or they messed up her birthday but I have been trying to figure this out for the passed week. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Dates when Im supposed to pay the loan : XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$82.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} ** I tried talking to them last XX/XX/XXXX because they sent my loan to Wage garnishment and they said all they can do is XXXX dollars every two weeks. I agreed but I am now struggling to pay this amount.. I also think that its unfair that I took out a loan for XXXX dollars in XX/XX/XXXX and still needs to pay XXXX dollars until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
I never received a verification of the debt. I have requested validation verification of the debt without any respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My issues are with Trans Union. I incorporate by reference the attached report in support herein : Key factors that adversely affected your Trans Union credit score. According to Trans Union : 039 Serious delinquency. Note : According to Trans Union reporting, " You have a stellar payment history. 100 % on-time payment history. '' 018 Number of accounts with delinquency. Note : According to Trans Union reporting, " All good here! XXXX derogatory marks. '' 008 Too many inquiries last 12 months. Note : According to Trans Union reporting, " 1 recent mortgage hard inquiry with a total of 6 inquiries. '' Each of the non-mortgage inquiries were not to be reflected on the credit report according to the creditor, with a direct assurance from each that, " this is not a hard inquiry and will not impact your credit. '' 014 Length of time accounts has been established. Note : According to Trans Union, the oldest account is 4 years and 7 months. Note : According to Trans Union, " You have a solid number of accounts on your report. '' Note : According to Trans Union, I have 15 accounts on my credit report. 10 active accounts that have NEVER been late. 5 closed accounts reflect a car loan that was paid because XXXX XXXX  misreported a payment as late in 2018, which I disputed ; and 4 educational accounts that have never been late. This is not a matter of bad reporting. My credit score should be in the high 700 's -low 800 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Sent XXXX to XXXX. No change they stated valid. Sent Navy Federal Credit Union debt validation letter XXXX XXXX 2020, they replied with email last night that its valid with no proof of signature that the debt belongs to me nor any contract that its my debt. Navy Federal sent a generic letter, no account number nor any personal information in regards to me owing this debt. They validated the information without proof that its my debt. As you will read from the email from NFCU they stated to talk to the credit reporting agency, which I already have. Its seems they are going me the run around like go ask your dad or go ask your mom, childish games. Im trying to finish this last bit of disputes to continue on with my life and live the American dream.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express is reporting a late account status for XXXX 2015. After disputing the results with XXXX, XXXX, and XXXX, they responded that the data was reported accurately. I called American Express and they agreed that the report should not be reported late and provided a confirmation number XXXX. I re-opened the dispute with the credit companies and again they came back and reported that American Express was still reporting the XXXX account as late even though it has already been indicated by american express that it wouldnt be reported late. I filed a consumer complaint with the NC DOJ, who opened an investigation into the account with XXXX. As of today, XXXX  is still noting the account as late for the XX/XX/2015 note.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: VA

Complaint narrative:
Enhanced Recovery Company added a collection to my credit report. I did not receive a notice of debt. The company ( XXXX XXXX XXXX ) for the original debt is a company that I have not had any business with in over 10 years and I do not owe them. The company is using shady practices by placing the collection on my account without notice to drop my credit score in an attempt to receive payment for a 10 year old debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the fraud accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN

Complaint narrative:
I recently filed a complaint but I do believe it was not explained correctly. XXXX XXXX is claiming that I owe a debt and I have reached out to provide proof of the debt. In the initial complaint, they responded by saying they sent the first collection letter in XXXX to the last known address. I have the same XXXX XXXX XXXX address on file for the last 10 years and never received any letter that I owe a collection. I only received a copy of the contract after I just submitted a complaint. The contract shows two names and I do not know the other person on the contract. Also how can I owe a debt when I never lived in XXXX until XXXX. The address that is on the contract have never been on my credit file. If I owe XXXX lakes a debt I am sure that the address will be on file and yet it isnt. I only have had a Georgia address on file until I moved to XXXX in XXXX. I see the names but I need adequate proof that I owe a collection. I would like to see my actual social security number that ties me to the collection and not just my name cause Im not the only one with that name Also a legit signed contract and not a computerized signature my actual signature and social security number. This debt is every detrimental to my credit and again I am asking that it is removed from my credit before further action is taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX I purchased my home with a FHA mortgage from XXXX XXXX. It was a fixed rate 30 year loan. I was to be done with payments by XX/XX/XXXX. My loan has been sold at least two times since XX/XX/XXXX, once to I believe XXXX and then to Select Portfolio Services. I recently attempted to refinance my mortgage. I found out that the terms changed to something I believe the officer told me was a balloon payment that was a 46 year term. I never signed paper work to have the terms of my loan changed and I am concerned that I have been mislead in some way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a TD Beyond Checking account on XX/XX/XXXX, in conjunction with the terms of the attached offer. The relevant details on the offer are as follows : CHECKING OFFER is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. I did have a previous TD checking account in XXXX, well outside of the requirements for this offer. The previous account was closed XX/XX/XXXX. 

I met the required criteria on XX/XX/XXXX of {$2500.00} in employer or government direct deposit ( within 60 days ). Bonus should have been paid at least 140 days after account opening ( XX/XX/XXXX ). 

I confirmed I met the requirements by phone on XX/XX/XXXX with a rep named XXXX. On XX/XX/XXXX, I called again, and was told I should still be eligible, and that the promotions team will respond within 2 days. I did not received a response. On XX/XX/XXXX, I called again, and was told I was ineligible because of the previous XXXX checking account, regardless of what the terms say. I spoke with XXXX and XXXX - both very helpful. XXXX even waived 3 of my $ XXXX monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: MA

Complaint narrative:
My mortgage with Cross Country Mortgage was in forbearance because of the pandemic. I requested a deferral back on XX/XX/XXXX. During the pandemic, XXXX XXXX and XXXX XXXX started a program that all " XXXX and XXXX '' mortgages that were in forbearance can be changed into a Deferral Program when the situation changes and we were able to resume normal payments but not bring the loan current ( not pay missed payments ). This program is supposed to be automatic with no waiting period. I am still waiting on XX/XX/XXXX. I can not access my account online to make a payment. I have to call and then I am charged an additional {$11.00} because I am paying over the phone. 

My husband and I have four other properties with four different mortgage companies and all I had to do was make a phone call and our loans were automatically deferred. 

Waiting two months to have this done is ridiculous. Every time I call them they tell me its in process. This is not supposed to be a process, its supposed to be automatic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
AGAIN, XXXX XXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXX Auto Finance be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. XXXX  XXXX XXXX XXXX can call me and explain their position instead of just ignoring and playing games labeling all complaints are duplicates. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX to explain why every complaint and request sent to XXXX XXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! XXXX XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in 2017 that led to a fraudulent auto loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation