vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
credit corp solutions is attempting to collect an alleged debt for XXXX from 2015. 
my XXXX account has a zero balance and i am not aware of any outstanding balance. 

addtionally i have no knowledge of this debt nor have i recieved verification of debt owed form 2015. 
New Jersey has a statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I feel my loan is a complete fraud and they took advantage of me. Sallie Mae sold my loan to Navient without my consent. all my other loans have been paid off for years. they will not help me with this loan it is insane. customer service for Sallie Mae has been nothing but mean telling me to make more and pay more over the years. I have more than paid this loan off for school. the interest is a crime. do I have options here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX is attempting to collect an alleged debt for PAYPAL from 2015. 
my PAYPAL account has a zero balance and i am not aware of any outstanding balance. 

addtionally i have no knowledge of this debt nor have i recieved verification of debt owed form 2015. 
New Jersey has a statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt.

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 2021-11-24 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial Denied my right to credit on XXXX XXXX2021, which I applied in good faith. They send me the reason for denial and in the letter I notices the company they received the credit application from was false and inaccurate! I went to XXXX XXXX, to do business my application is from a different company. This is inaccurate information. 

Application Number : XXXX

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 2021-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received my XXXX debit card and I attempted to use it at an atm but nothing came out, I then contacted Bank of America and next thing you know my accounts being debited through atm transactions I did not make I contacted Bank of America again and they told me that theyd send me a new card and I was told that a claim had been filed on my behalf which never happened so I called back again because my account was at a zero balance due to atm debits again in California while Im in another state with my card... I contacted them again and was Told once again that a claim had been filed and Id be receiving a new debit card... I finally did receive a new debit card but my claims kept getting closed without any type of investigation... I have not been able to pay any of my bills/rent and have been facing eviction due to this ..... I have been dealing with this issue til this day they ignore all my request and automatically close out all my cases. Still dealing with them behind them not wanting to give me my money and this is my 3rd complaint Ive been dealing with this for the past year now

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX, 2021, I sent written correspondence via Certified U.S. mail to Capital One Auto Finance requesting that they delete inquiries on my credit reports ( XXXX, XXXX, and XXXX ) dated XXXX XXXX, 2021, considering that I did not authorize anyone employed at Capital One Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Capital One Auto Finance bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit XXXX  failed to comply with the 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. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was charged for a hotel that they bank gave me credit for and send me a letter that my claim was resolved and nothing further would happen to my account. I got another charge for the same amount that they will not reverse and then charged me an over draft fee for the same reversal they made. I got nothing in writing to let me know this was going to happen.

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 monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have called transunion numerous times to remove these inquiries. I demand them to be removed immediately. These inquiries are unauthorized and I never consented. I demand deletion immediately. You are in violation of my rights.

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 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Hello, I have a loan modification with CIT BANK and the agreement set my mortgage at {$1300.00} a month. My loan was serviced by XXXX XXXX but recently the servicer has changed to XXXX XXXX XXXX and along with that change my monthly mortgage has increased by {$1000.00} which has created a great financial hardship for me and I am in jeopardy of falling behind again. This change is a clear violation of the Loan agreement. I believe the confusion could have started with my an erroneous property tax assessment by XXXX XXXX. The assessment erroneously removed my homestead exemption, therefore, increasing my property tax bill to over {$160000.00} from {$5600.00}. The error was corrected by the county alongside XXXX the servicer but at the same time my mortgage servicing was being transferred to XXXX XXXX. As a result my mortgage has increased because the new servicer XXXX is claiming the escrow is behind. I spoke with XXXX and XXXX and neither will own up to correcting the mistake. Please help me resolve this issue so that I can continue to afford my Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
We applied for a refinance with our current mortgage company, NewRez. Very up front that we had filed Ch. XXXX bankruptcy and it has since been closed well over a year, which is the XXXX XXXX rule for refinancing loans. We were assured that we will be fine and all will go smoothly. Gave all our requirements, had our credit run ( which lowered it, of course ), paid the appraisal fee, was told by the person working with us that it should be smooth sailing after the appraisal. Didn't hear back from them for over a week. I emailed, no response. I finally got ahold of a Senior Sales Manager who told me that our original agent was on vacation and he could help us. He said there were issues and he needed to get them corrected. Not a big deal. Said my husband, who is the veteran, was listed XXXX and should of been listed first, which I told the original agent that, and was told, it wasn't an issue. Then they had all of our debts listed XXXX, which showed our debt to income ratio was very high. So that had to be fixed. Then, they ran our credit again, thus taking another hit. After all that, I had to reach out to them again for an update. I was told that their underwriters denied us because we had to be out of the bankruptcy for over XXXX  years, even though the XXXX requirements are only XXXX. The senior manager said he would try to do a " manual underwriting '' with the underwriters, thus asking for an exception to their rules. Waited for a few days to pass with no word from them. I reached out again to them and was told they refused to provide an " exception '' and said, sorry, but we can't help you. Even though they currently have our mortgage, we have over $ XXXX in equity built up and we make over $ XXXX per year. No exception. I asked why our credit was run again even though it had only been XXXX weeks since the last time and was told that they can run it as much as they want and it won't affect it, if we apply somewhere else. The only offer that was made was that if we want to try at another company, they will send over our current appraisal so we don't have to pay again. That was it. Very, very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Equifax XXXX XXXX has failed to respond about the removal of the erroneous information about my inquiry. Sending them letters dated from XX/XX/XXXX to the present, i have not recieved any response up to this date. On the other hand, inaacuracies about my Inquiry is continously reporting on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/21 i was notified by Navy FCU that I was past due on a XXXX loan. I have never applied for a XXXX loan. I was scammed. i went into bank and filled out a declaration of forgery/fraud form and informed them I never applied for a XXXX loan. They were able to tell me the person who filled out the loan had changed my employer and email and had electronically signed for the loan under my account #. They even went as far as giving me the IP address of where loan originated XXXX the bank at first stated they could see I did not have anything to do with taking out this loan and could see I was a victim of identity theft. Yesterday Navy FCU tells me they know who took out the loan and know where the money was transferred to once the loan was taken out in my name in my account and transferred to another account and whose account it went to but will not disclose that information and that basically, I am responsible for this. HOW? I FEEL like i have been victimized XXXX. Once by this individual and once by the bank who is supposed to protect my identity. Why would I change my email, phone # and employer information for a loan application and a loan of XXXX?? why would this not raise red flags???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CT

Complaint narrative:
on XX/XX/XXXX i mailed and digitally submitted the XXXX bueras my identity theft report about accounts and inquires on my account and nothing has been done its been XXXX days since. they are breaking the law please do something

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent several certified letters to the credit bureau in regards to this matter and received no response. I also submitted a few CFPB complaints. The account was only updated instead of deleted. XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. Thats relief is stated in the court documents below. I have also filed a complaint with my states attorney general in regards to the settlement. THIS ACCOUNT IS UNDER LITIGATION FOR PREDATORY LOAN PRACTICES!!!! It should be deleted from my credit profile instead of updated which it states in the court documents! Below I have attached the case files in regards to the lawsuit. This is a court order to DELETE not update!

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 2021-11-24 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: NC

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have been a Navy Federal Credit Union member for about 3 years and I had to close my XXXX XXXX XXXX XXXX times because some one at Navy Federal doesn't care to much about the security of my account. I have had a bank acct all my life and never had to close my acct at no other bank except Navy Federal. On XX/XX/2021 I received a notification from the bank that some one tried to use my debit card at XXXX to pay a bill in the amount of XXXX dollars at XXXX hrs. It was a good thing I didn't have that amount in my acct for them to steal. I am a XXXX XXXX XXXX XXXX Veteran on a fixed income i really don't need this type of aggravation. Today i will go to the ATM to with drawl my money from my acct then call Navy to close my acct so they can send me out a new card and acct number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I received XXXX XXXX  on XX/XX/XXXX. My insurable information was entered incorrectly. I moved and was not getting the bills. The bill then went to collections. I contacted my insurance that is XXXX XXXX XXXX XXXX of Louisiana and the paid the bill XX/XX/XXXX, XXXX Credit Collection Services has not deleted the collection off of my credit report and it is XX/XX/XXXX. I need the collection to be DELETED due to coding / insurance error.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: OR

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation