vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XXXX I submitted a vehicle loan application and I was approved for {$23000.00} with a 5 % interest rate. I received a call from a representative on behalf of Navy Federal Credit Union requesting a resident card/document. I sent an email with requested documentation on XX/XX/XXXX XXXX XXXX  and XXXX XXXX. 
I was denied, Navy Federal Credit Union could not verify credit accounts. On XX/XX/XXXX I was approved for a XXXX XXXX  XXXX the credit account is under my name along with my credit information with Navy Federal Credit Union. The same required documentation was provided with no issues or request of additional information. 
On XX/XX/XXXX I called Navy Federal Credit Union for clarification as to why I was denied. The representative I spoke to said they asked for my Social Security card but couldn't use it. Therefore, they would need a permanent resident card, or employment authorization card, and/or a bill. When I ask if I provide a bill will it suffice, the representative said no they will still ask for a permanent resident card because my Social Security card said for work authorization only. Now, when I ask why I was given a vehicle loan in XXXX providing the same documentation I emailed on XX/XX/XXXX with no issue and not required any additional documentation the representative could not validate why. I felt hurt and confused, I'm being told they can't use my social security number, but the letter in the mail states they could not verify my credit accounts. Yet, I have a line of credit with Navy Federal Credit Union. I don't understand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I am submitting a complaint regarding a collection account appearing on my credit report from Rent Recovery Solutions, LLC with original creditor XXXX XXXX in the amount of {$9200.00} that does not belong to me. I have reached out to the collection agency that is reporting the account to the credit bureau requesting that they validate the debt. 
I have also disputed this directly through XXXX  credit bureau with no results. 
After requesting validation of the debt Rent Recovery Solutions, LLC sent out a copy of a rental lease on XX/XX/XXXX. However, the documentations do not include my full name, it has an unknown address and a ( non-wet ) electronic signature. 
I explained to the collector that they have the wrong person because I did not rent a property in XXXX, I have been a homeowner since XXXX. I also stated that I am not familiar with the property address that they provided. I requested for Rent Recovery Solutions, LLC compare my social security number with the social security number they have on file for the debt and they refused. I offered to send a copy of my social security card to validate my identity. I was told the only way to dispute the account is by filing a police report claiming identity theft. 
I believe by reporting this to the police as identity theft I would be committing perjury. I have no reason to believe that my identity was stolen. 
Rent Recovery Solutions, LLC failed to validate that this debt in fact belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
{$700.00} was taken from me in around XXXX of last year, and most recently I receieved this email. However they have frozen my funds and will not release them ... 

from : XXXX reply-to : XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX  subject : Important Information About Your Account << Reference ID : xxxxxxxxxxxxx >> mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more XX/XX/XXXX Important Information About Your Account Re : Your accounts ending in XXXX & XXXX XXXX, Weve decided to close your account ending in XXXX & XXXX because we observed activity that is inconsistent with our terms and conditions. [ *I called and spoke with their agent who said there was no reason listed as to why, which is atypical* ] When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. 



Your balance and any interest earned will be transferred to your linked external checking account within 2 to 3 business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within 7 to 10 business days. 



If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. 


If you have any questions, please call us at XXXX, XXXX XXXX XXXX XXXX, 7 days a week. 
[ I called them and they only agreed to release a certain amount when I threatened to file a FTC report. They are still holding my funds as of this filing ] Thanks, Claims Support Center Capital One Member FDIC Products and services are offered by Capital One, XXXX, Member FDIC. XXXX Capital One. '' so the approximate total they have stolen from me is : {$850.00} usd

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
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: Nelnet, Inc.
State: TX

Complaint narrative:
I have been paying for services from XXXX XXXX since Friday, XX/XX/XXXX of XXXX. I called today at XXXX as there was an overcharge on my account. Nobody answered so I left a voice message. Later at XXXX XXXX, I received a call back and was told that they " had to do a lot of digging '' to find out why. I pay {$10.00} a month for services and I was made aware through a phone call today that I have been getting charged an additional {$30.00} every month beginning on XX/XX/XXXX through XX/XX/XXXX with a total amount of {$800.00}, for not completing their PCI Questionnaire. My complaint is due to not properly being notified of the fee nor how to fix it. I never received this questionnaire, never got any type of phone call or even mailer regarding this. I was told that there were a few emails sent of which I assume may have gone into my spam folder if they in fact were sent, but I did not even know this questionnaire existed until today. I asked what my options were to the representative that told me of this fee over the phone and although he was very kind, he told me that I could email client services to cancel my account but that they will not be giving a refund. Took less than 5 minutes over the phone with me and didn't even try to give any kind of explanation or make things right. I sent an email to XXXX to try to get some kind of refund as I was not made aware of the extra fee or the necessary steps to cancel my account and XXXX XXXX, a client service specialist replied the following : " Hello, Thank you for the email the account has now been closed. 
Thank you! '' There was a complete lack of effort to give any kind of explanation or support for what happened both over the phone and through email. The total amount taken from every month for the past 25 months equals out to {$800.00}. If this questionnaire was so important as to charge triple the amount of what I pay for in monthly services, I would expect for someone to at least give me a phone call. This company showed they cared more about money than their loyal customers of years and completed avoided talking about the hidden fee. Never had anything negative to say until this point. So disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: FL

Complaint narrative:
I submitted a dispute to XXXX, XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

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 2020-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute to XXXX, Equifax, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DEPT OF EDUCATION/XXXX  {$37000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information DEPT OF EDUCATION/XXXX  {$31000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information

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 2020-09-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the XXXX   breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX-XXXX  10 ) XXXX/ XXXX  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 2020-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX wired {$53000.00} to Bank of America to pay off a fixed second mortgage loan. As of today, XX/XX/XXXX BofA is still showing the loan unpaid, outstanding and past due. They can not confirm that the money has been recieved. 

I have spent hours on the phone to have them confirm payment and each time they dont know. Average wait time are 1.5 to 2 hours each time. In addition my XXXX XXXX has reached out and they are having no luck. 

I am concerned that {$53000.00} is missing and my credit will be impacted. 

Information on Wire : Date : XX/XX/20 XXXX XXXX Fed Number : XXXX XXXX Loan Number # XXXX XXXX as indicated on payoff letter. 
Bank of America Att : Payoff Department XXXX, TX XXXX Routing ABA : XXXX Account # : XXXX Loan account number on statement prior to XX/XX/XXXX : XXXX XXXX XXXX Loan account number after XX/XX/XXXX : XXXX ( they change the loan number )

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 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed a collection account with Transunion numerous times. The first time, they removed it from my credit report. A few months later, it re-appeared and I disputed it again. This time, Transunion stated they were able to verify the debt. I asked them how they verified it and what proof was given to them and they stated that the collection company stated I owed the debt and that was enough proof for them. After a couple more disputes online with no success, I sent Transunion a letter certified mail with signature receipt disputing the collection account and gave them 30 days from the date of receiving the letter to investigate and remove the negative item. After 60 days of them receiving the letter, they responded with a letter stating that they verified the debt and provided no proof of how they did. On top of that, they went well over the 30 days required by law to complete their investigation or they have to remove the negative item. 

They now refuse to investigate the negative item on my credit report and will not provide any proof of how the collection company verified 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 2020-09-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
I am applying to purchase a single 2 bedroom mobile home and they denied me inspite of never defaulting on any past loans. Then they said I could possibly get approval if I am willing to put 20 percent down payment. Twenty percent of XXXX XXXX is XXXX. I offered XXXX since XXXX is a small loan. The company is 21st Mortgage out of XXXX XXXX, Tx. I could not find an address in XXXX XXXX Texas, so I XXXX the company and found a Tennessee address. The denial letter was from a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I closed this account ( Apple Card ) directly with Goldman Sachs around XXXX due to having several issues regarding GS 's incorrect reporting of my SSN and poor customer service. Once they froze my account for illegitimate fraud without my consent, I decided to close the account for good as that was the final straw. In fact, Apple even gives me the option to apply for the card again which means that the account was closed ( see supporting screenshot. However, the account still shows up as open on my credit report, despite submitting a dispute with  XXXX XXXX already. I need this account off of all of my credit reports completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEPT OF EDUCATION/XXXX  {$37000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XX/XX/XXXX. this is incorrect information DEPT OF EDUCATION/XXXX  {$31000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I file a dispute on the XXXX of XXXX the wrong information still remains.

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 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DPT ED/XXXX  XXXX**** DPT ED/XXXX   XXXX**** DPT ED/XXXX  XXXX**** DPT ED/XXXX  XXXX**** XXXX XXXX XXXX XXXX XXXX   XXXX**** XXXX  XXXX**** XXXX XXXX XXXX XXXX   XXXX**** XXXX/XXXX  XXXX**** XXXX  XXXX**** XXXX  XXXX** XXXX XXXX XXXX XXXX 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 2020-09-03 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: MD

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

5.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the XXXX   breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX Account Info 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX 10 ) XXXX/ XXXX 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 2020-09-03 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: IL

Complaint narrative:
My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the Equifax breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX  5 ) XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX XXXX 9 ) XXXX-XXXX  10 ) XXXX/ XXXX  XXXX

Company response to consumer: Closed with explanation