vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE
State: GA

Complaint narrative:
I have paid for a XXXX XXXX XXXX and it was done on XX/XX/XXXX. I have yet to receive the XXXX report to date. I have called and emailed Stockton Mortgage Corporation and XXXX XXXX  XXXX, to have my PMI removed via this report. I contacted the person who did my report ( XX/XX/XXXX ) and by law, they said they can not give it to me, they gave me the company who hired him, XXXX XXXX. I called XXXX XXXX and the representative says my XXXX was don't but they also are not allowed to give it to me but told me the report was sent and delivered earlier in the month. They wouldn't give me the exact date but said it was delivered after multiple attempts. I found out that my mortgage was sold ( XX/XX/XXXX ) after months of trying to get my PMI removed, started the process in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
The XXXX County Sheriffs Office ( California ) unfairly and incorrectly issued me four parking citations throughout the XXXX  of 2021 ( citation numbers XXXX ; XXXX ; XXXX ; and XXXX ). All four of the citations claimed that I was parked in a bus zone and/or bus lane. I was never parked in a bus zone and provided photographic evidence by mail proving it. 

However, the Sheriff 's Office apparently (? ) assigned the matter to a XXXX debt collector XXXX based in XXXX, Wisconsin, named Professional Account Management LLC, which itself is/was posing as a government agency ( XXXX County ) . For instance, their return address in XXXX is printed as : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and yet it is a Wisconsin address. They are not a government agency, but are posing as if they are. I continue to receive threatening mail from this collector using language like `` enforcement '', `` debt collection '', `` debt owed '', `` balance owed '', and `` validity of debt ''. Most recently, the debt collector has threatened to : `` submit my account to the XXXX XXXX XXXX ( XXXX  ) for interagency intercept collection. '' The debt is completely invalid. I have been extremely responsive *in writing* throughout the spring, summer, and fall of this year ( since the citations first appeared on my car ), and I am at my wit 's end. The debt collector is harassing me about an invalid debt, demanding hundreds of dollars from me, and all my attempts to have the citations reviewed and dismissed ( based on photographic evidence proving the debt is invalid ) have failed. 

I need help from the FTC or CFPB so that my state tax authority ( XXXX  ) and my credit do not become implicated in this harassment coming from a debt collector, demanding payment on a completely invalid debt, with this collector posing as a government agency.

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint is regarding Synchrony Bank dba Carecredit. I received a line of credit for {$1000.00} for a pet care emergency on or about XX/XX/XXXX. As of XX/XX/XXXX- my credit score has improved, my savings has gone from {$0.00} to {$45000.00} and we were recently approved for a $ XXXX loan. XX/XX/XXXX, out of the blue, Synchrony Bank sent me a notice that my credit card was being terminated due to poor credit history, etc. That makes no sense when my income, credit score and savings are superior to what they were when I received the emergency card. The credit balance was paid off before the end of XXXX. When I spoke with Synchrony, they said the denial wasn't specifically from Carecredit, it was from Synchrony Bank deciding XX/XX/XXXX that I am no longer credit worthy, even though they were paid timely. Compared to the other lenders and creditors I have, Synchrony Bank claiming that I have credit too poor to even keep the credit card that they already issued seems suspicious. I am also concerned that this may negatively impact my credit at a time when we've been improving in order to purchase a home.

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 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I requested a loan from Bank of America to XXXX on XX/XX/XXXX. The XXXX was sent but for unknown reasons the money just sat at XXXX. On XX/XX/XXXX the money was supposedly returned to BAC, me, or other reasons XXXX gave me. I contacted BAC and was told to continue with XXXX to find the money. XXXX finally told me the money went to XXXX and to contact them. XXXX  does not talk to individuals but they said the originating bank had to contact them. As of XXXX I have contacted BAC multiple times. Some conversations were helpful but most were a dead end. Meanwhile I had completed multiple transfers from other banks ; but some one at BAC charged ahead and paid the loan I never got with my other funds. I should have never been in this position. I have never been compensated for the XXXX, there is no communication, and my credit is getting weird. I want my money so I can move on to another bank. It has been 5 months and my patience is gone.

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 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
A scamer stole an actual businesses ( XXXX XXXX XXXX ) info, all social media platforms allowed this activity to continue. I researched the company, felt it was legitimate with an actual storefront. I followed directions to make an online purchase of {$1000.00} on XXXX payment was made, paid via paypal. Business issued a refund and asked me to pay via friends and family ( so i would have to pay transaction fee and they receive funds immediately ) which i did. At that point I did not know that paying via friends and family isn't covered under Paypal 's protection. I'm personally shocked that Paypal has no notification that a duplicate transaction took place without a warning to me to verify that activity. They also allowed the friends and family payment to go to a business which according to them isn't allow, and would be protected under their privacy policy. I have contact my bank, Paypal and XXXX  police, no one is able to stop or recovery my funds. Paypal is profiting from fraudulant activities and doesn't seem to have any accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Hi, I am the holder of a XXXX XXXX  mortgage and was denied modification several times until I reached out to you. I was hit with laugh fees and put into a balloon mortgage. How can I become part of the class action suit. 
Sent from my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is XXXX XXXX I am a natural person and a consumer, on Monday, XX/XX/2021 I received a call from XXXX at Navy Federal contacting me alledging I owed a debt. I informed XXXX that was a direct violation of the FDCPA 15 USC 1692 ( a ) ( d ) ( e ). She continued to demand that I owed on a car and loan. I questioned her and politely asked her to define loan. I then asked XXXX what did Navy Federal loan me? Was it credit or USD? She did not answer and continued to raise her voice and demand I pay and make payment. I asked her to stop alledging I owed a debt and that her continuance into violating my consumer rights would result in navy federal being fined for violation of my consumer rights. She continue to verbally assault, and emotionally assasinate me as a consumer and caused grave emotion damage. After then placing me on a extended hold a supervisor by the name of XXXX XXXX chimed in to inform me he was the supervisor and that he was in charge of collections and could call at anytime and point about their accounts I asked XXXX if he was aware of the FDCPA and XXXX responded it did not matter, I then informed XXXX he had no right to alledge I owed a debt. I submitted a remittance payment with Navy Federal on XXXX XXXX, 2021 sent certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased a graphics card on XX/XX/2021 at XXXX XXXX  on XXXX for {$510.00}. On XX/XX/XXXX, the seller added a tracking number. I checked my XXXX XXXX, and to my surprise, the tracking number said the item arrived on XX/XX/XXXX! 

I did not receive any package the day before, so I decided to do some investigative work. I called UPS and provided the tracking number, and my name and shipping address. The representative on the phone confirmed the package did not arrive to my address, but shared the same city. 

After doing some XXXX, it seems to be a common scamming tactic. The scammer uses a random tracking number that goes to the same city as the buyer. Since the tracking website only provides the city for privacy reasons, automated systems show the package as delivered. 

After frustrating attempts with both XXXX and XXXX to try and get my money back, I finally filed a charge-back with Citi. The representative on the phone assured me that Citi would reach out to collect more evidence from me. 

However, Citi closed my case in the favor of the scammer without ever reaching out to me to get my side of the story.

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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HIGHLIGHTS -Identity theft Discovered within the last 2/3 years ; has been ongoing for a decade or maybe longer -Fraudulent accounts opened/operated/closed through the years -identity theft.gov proved *negligent* ( my painstakingly thorough case was erased without any progress made within two weeks or so of the complaint date ) -The reporting agency TransUnion has proved *negligent* and doesnt offer any online help re : my need to remove a fraudulent account off of their online service ; to recover my personal access to their services. 

DETAIL Someone opened a TransUnion account with my personal info ; they also enacted a credit freeze that I can not fix. I can not make an account on TransUnion- my personal info is tied up fraudulently with someone elses username and password ( and account recovery options. ) Consequently, I can not apply for credit lines, loans, insurance, etc. 

I have tried to contact TransUnion online I am very much nonverbal, so I can not comfortably have a call with them. 

I would really appreciate some help with this situation. Thank you.

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 non-monetary relief
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 1 negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did call XXXX XXXX Early of 2019 ( XXXX of 2019 ). To ask for a settlement and I did not want to call them during that time because I only had. {$4900.00} with me. But I still did. I did not agree with all of it and wanted to see if they can do a settlement for me but these accounts are inaccurate. I wanted to settle it but they Told me the loan was sold. 3 weeks later- I filed for a dispute with Transunion XXXX XXXX XXXX failed to do this again. Unable to provide me any proof. For example, the loan shows now I owe {$10000.00} when it was XXXX. Date was also incorrect. XXXX can't give me any information and Transunion keep telling me XXXX XXXX responded to us and told us these accounts are valid '' 2 years later ... .Ive been sending dispute letters and nothing had happened. How is it considered sold? and still consider it as charged off? Transunion failed to provide this information too. How am I supposed to pay and make a settlement when they couldn't even find me? If it was really sold. They should've told me where to contact the new creditor. Transunion failed this and for the 10th time. I am still unable to resolve this. 

Some of these accounts are already 7 years old. I consulted a lawyer about this but even told me its not worth it to settle these accounts because its so old. If I did settle this 4years ago. It'll make more sense.

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 2021-10-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: MN

Complaint narrative:
My mother passed away on & XXXX. She had a reverse Mortgage with Novad. Sent them a registered mail to them on XX/XX/XXXX. Certified rec 'd to Novad on XX/XX/XXXX. when I didn't hear from them I sent a fax onXXXXXXXX, it was sent conformation confirmed. This was stated both times " Please initiate Deed-In-Leau of Foreclose ''. I am not on my mom 's title for home. I have called the number for XXXX and one for HUD. I have sat on hold for over 4hours on both numbers only to be disconnected! This is for XXXX XXXX XXXX property address XXXX XXXX XXXX XXXX MN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
When I logged into XXXX to freeze my account, due to a recent identify theft, I noticed a charge of {$200.00} from Sequium Asset Solutions. I have no idea who they are and why they listed on my credit report for me not paying their charge. I have never received any correspondence from them. I disputed the charge with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
hyundai finance trying to bill me for excise tax on XXXX for car returned in XXXX told them they were the only people that could get an abatement as they are the owner of the car took them 6 months to apply for the abatement and they have recd there mony but are still lying and messing up my credit i repeat they got paid they made my 36 month lease into reporting paid as agreed an extra 5 months and then 3 more months as late payments wrong so they commited fraud knowing they applied for the abatement and continued to charge off on my credit report and they got paid listen i returned the car to hyundai in XXXX of XXXX im not the owner in XXXX they got ther abatement now fix my credit or

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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
There is a collections amount of {$2300.00} from XXXX XXXX  that does not belong to me. The account number as shown is XXXX. In a previous complaint the account owner indicated they would mark this account as DISPUTED, however this is an error and the account should be REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now in the month of XX/XX/XXXX, still nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with explanation