vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted Experian on XX/XX/XXXX about the following accounts that are not mine ; XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Original amount {$1000.00} ), XXXX XXXXXXXX XXXX USA XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$2800.00} ), XXXX  XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Credit limit {$3000.00} )XXXX XXXX XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$1000.00} ), DEPT OF EDUCATIONXXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$6000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$730.00} ). Experian have not responded to my request to investigate as they are required by the FCRA. Attach is a copy of the disputes I send them.

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 2022-01-15 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: NJ

Complaint narrative:
Thus Company has failed to Validate thus Debt I have been sending Identity thief reports and numerous Validation letters for the last 65 days they failed to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: NJ

Complaint narrative:
Thus Company has failed to Validate thus Debt I have been sending Identity thief reports and numerous Validation letters for the last 65 days they failed to 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 non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Loan shows it was taking out in XXXX. Reported on my credit XX/XX/XXXX as an open loan. The loan was apparently closed in XXXX. XXXX XXXX  XXXX says loan amount was for XXXX $ Reported debt on my credit for XXXX $ Never received any notices from the company, nor any letters from a debt collection agency addressing this debt. Never had a chance to dispute this debt as being in correct. This randomly popped up on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
On XX/XX/XXXX I received a secure email message from Bank of Hawaii promising to reverse at least three ( 3 ) {$30.00} NSF fees from an earlier issue that brought that account negative. 
The bank did not reverse the fees as promised and the account remained negative and eventually charged off. The way that the balance was zeroed out upon the execution of the errant charge off made me believe that they were correcting the fees as they had promised earlier. 
A few weeks later I received a letter from their recovery department for the account in question ( # XXXX ) demanding the principal and fees balance, to my utter surprise, of at least {$91.00}. 

My account shouldnt have remained negative since they had promised to remove at least three {$30.00} fees and it shouldnt have charged off resulting in a negative mark against my checking history credit bureau account at XXXX XXXX XXXX and/or XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: FL

Complaint narrative:
XX/XX/20 had to call XXXX for a psvt episode, ameridebt continues to call me daily, I thought that medical debts do not show up on your credit report, {$1500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo refused to approve my credit card application after it was proven by a representative that I shouldve been approved but they still denied it

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 2022-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC
State: GA

Complaint narrative:
Loan shows it was taking out in XXXX. Reported on my credit XX/XX/XXXX as an open loan. The loan was apparently closed in XXXX. Advance Finacial 24/7 says loan amount was for XXXX $ Reported debt on my credit for XXXX $ Never received any notices from the company, nor any letters from a debt collection agency addressing this debt. Never had a chance to dispute this debt as being in correct. This randomly popped up on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
This is XXXX XXXX and XXXX XXXX We offered {$280.00} on the collection account and they refused. They want between {$500.00} and {$650.00} to cover a {$750.00} debt and this is too much. We want to pay if but to be fair to both parties. We are elderly ladies that are co executors of the will and there was little money to cover the expenses and we did promise to try to cover all of his debt. We fell short because this company will not work with us. XXXX was a XXXX vet and XXXX that incurred a lot of medical debt in his last year. He loaned someone money that wrong bad checks to cover the loan and that was unfortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On or around the XXXX of XXXX of last year, the cryptocurrency exchange Coinbase ( coinbase.com ) had what they call a " technical glitch '' with a token they had available for purchase. This GYEN token was at a particular price at which I bought {$1000.00} worth. Due to this " glitch '', Coinbase made the decision to de-list ( not available to buy or sell ) the token preventing me from being able to sell it. While it was de-listed, the price of it dropped. They have since relisted the token at the lower locked-in price. I am now at a loss because I was unable to sell as the price of it dropped. I have tried to rectify this matter with the company through their support ticket system. Without any compensation, they closed the case with no explanation. This exact same scenario, and some varying aspects of it, has happened to thousands of other customers with little to no remediation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MT

Complaint narrative:
My mortgage has been transferred from XXXX XXXX to BSI Financial Services in XX/XX/XXXX. My escrow account has been transferred to BSI Financial Services and I have made XXXX mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of which included escrow payments. 

BSI Financial Services have not paid my County taxes out of my escrow account which were due XX/XX/XXXX. The taxes are now over 1 month delinquent and have accrued both late penalties and late interest fees. 

I called BSI Financlal Services on XXXX XXXX to confirm they had my escrow account and taxes/insurance information from my mortgage transfer and they responded they did not have that information and have created a request for their escrow department to expedite my request to get the escrow account squared away. I've followed up with two additional phone calls, roughly on XX/XX/XXXX and XX/XX/XXXX to have my taxes paid. 

I've submitted two email requests to expedite the process, the latest email sent on XX/XX/XXXX with a note I would be consulting a lawyer if my taxes were not paid. I've reached out to XXXXy county tax office and they have also sent an email to BSI Financial Services along with a copy of the delinquent taxes they have failed to pay out of my escrow account. 

I have contact BSI a total of 6 times - 3 phone calls, 2 emails submitted from XXXX XXXX XXXX/, and 1 email submitted XXXX, from my county tax department on my behalf. 

The current amounts BSI Financial owes my county tax office : 1st half XXXX taxes : XXXX Penalties due to late/non payment : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I the consumer and original creditor entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021 in which a finance charge took place ( # XXXX ) for {$58000.00}. This finance charge did not include the sum of all charges because I am billed every month for car insurance and was also forced to make a down payment which is also illegal and a clear violation of usc 15 code 1605 as stated by Congress. 

Navy Federal also failed to disclose my right to recission which or promissory note which violates usc 15 1635. I exercise my right to cease and desist pursuant use 15 1692c As the consumer I would like to request the name and address of the ORIGINAL creditor pursuant 15 usc 1692g ( b ). 

Navy Federal Credit Union shall cease collection of this alleged debt, or any disputed portion thereof until Navy Federal Credit Union : Obtains verification of the " alleged debt, '' verification of the name and address of the original creditor, and a copy of such verification is mailed to me by NAVY FEDERAL CREDIT UNION. 

This in NOT a request for " verification '' or proof, but a request for VALIDATION made pursuant to the above-named Title Section by LAW. 

Navy Federal is criminally ( usc 15 1693 ) and civilly ( usc 1611,1640 ) liable for double the amount financed and are liable to each FDCPA violation. Due to their unfairness and vital role in illegal activities, this has caused damage to my reputation and character. I am seeking remedy and would like to remit payments on all violations and illegal activities! I am also demanding that this " alleged debt '' be removed from all XXXX of my credit reports as it show inaccurate and untrue information that I never gave them permission to give away ( another violation ), By LAW, I am entitled to privacy. 

I will not hesitate to bring legal action against you and your client for violating the FCRA, FDCPA, TILA, and for Defamation of Character. If any accounts are frozen or closed for exercising my rights as a consumer and original creditor I will hesitate to bring legal action against you and/or your clients for violation of the FCRA, FDCPA, TILA, and for Defamation of Character. 

I require no more than 30 days to investigate this information, during which time all collection activity must cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I requested that Cavalry Portfolio Services provide proof of the debt owed or remove the debt from my credit report. The debt that doesn't belong to me on my credit report is {$1900.00}. They sent no proof and it still remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NE

Complaint narrative:
got locked out way over 30 times in the last year on usbank.com website, always saying something thats not true. this time the permanently disable my account online so i cant get in. been locked out 4 times only in XXXX called them today XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX cause keeps locking me out when i sign in and walk away for a bit, now they say they cant reopen my online banking it permanently disabled. this is not right to do this so i cant run my personal accounts or pay credit cards they are all late cause of them lockig me out of my online banking since XXXX, XXXX and XXXX and XXXX. so i cant pay my credti cards either.so its the online banking websites fault. they need to reopen my user name again and for the stress ive been having with them over a year they should credit me {$150.00} in my bank account just for all the stress with this. otherwise im leaving their bank and not doing business with them ever again. no one is experienced enough to figure anything out how to open it back up.

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 2022-01-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Credit Bureau is still sending someone's mail to my XXXX XXXX XXXX, and has listed this fraudster 's name ( XXXX XXXX XXXX ) on my XXXX XXXX XXXX XXXX  documents that I paid off. I submitted proof of my XXXX XXXX XXXX XXXX documents via mail to ALL ( 3 ) Credit agencies that shows my full legal name, loan account #, and paid in full status. My full legal name is XXXX XXXX XXXX. I have filed a report against XXXX XXXX XXXX who is illegally using my XXXX XXXX XXXX and false claiming my loan account number with XXXX XXXX XXXX. Equifax Credit Bureau is violating my Rights after being notified of this issue and not considering my contractual USPS XXXX XXXX Agreement that is in my name. I would like to file a complaint against Equifax Credit Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/21 I got a loan estimate with a {$730.00} cash to close. The loan was locked on a 2 % rate. Then, on XX/XX/21 my loan estimate is updated to a {$5700.00} cash to close. And they added a 1.125 % loan amount for points. All of this was done with no change in circumstances. After asking for the manager it was corrected. However, it was very unprofessional to change my figures and hope I don't know any better. I hope others don't have this same issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These hard inquires are hurting my credit o have called the bureaus and explained my car is paid for Im not sure why some many card inquires for my cars I brought my vehicle with cash I have over 13 hard inquires please remove

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 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently had my Citi Costco Credit Card account limit lowered. This has been after a year of paying on time after a bad year with the pandemic. I then put {$700.00} on my Credit card to loosen some room on XX/XX/XXXX. I had in the money in my XXXX XXXX XXXX Bank Account, and Citi decided to place a " float '' on my payment for TWO WEEKS while they decided if I had the money or not. 

This is the second time this has happened to me with Citi, which seems to do it on a whim.

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This company Equifax a contact more of XXXX times complaining open dispute information they reported inaccurate outdated account status charge off charge past due erroneous and incorrect A request a fair dispute process I have the right to an accurate credit file and discrepancies like this are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the XXXX act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union is reporting XXXX XXXX XXXX, with an open date of XX/XX/2020 and a last active date of XX/XX/2020. A collection account can not have an open date and a last active date of the same date. I have requested they correct this information several times and still no response.

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 2022-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have tried to resolve this issue with a navient and they act as though the issue is resolved before the call is over but then I get erroneous letters that only go to my Navient XXXX that do not match what we discussed. 

In XX/XX/XXXX I received notice that it was time to renew XXXX. I submitted requirements by the deadline and it was approved XX/XX/XXXX. 

Beginning XX/XX/XXXX I was to pay {$23.00} per month. 

I logged into the Navient site on XX/XX/XXXX and my payment stated that I owed {$140.00} XXXX knew that wasn't correct, based off the letter I received but did not want my credit to be effected so I paid it. I logged in sometime after XX/XX/XXXX to see if it was corrected and it XXXX not I called and was told my monthly payment was {$130.00}, I eventually asked for documentation because the site had greyed out my XXXX agreement and it was not accessible. I spoke to another representative who stated that the accounts were not aligned correctly on the same payment schedule and one she corrected it she advised me that my payment amount was no longer displaying a payment of {$130.00}, but {$22.00}. She advised me that the change should be available to view within XXXX hours, so wait to make payment. Around XX/XX/XXXX, I logged in and paid {$25.00}. Then, around XXXX, Navient sent me a delinquency notice for payment of about {$15.00}, stating that they had not received payment for XX/XX/XXXX. I could clearly see the payments reflected on XX/XX/XXXX and XX/XX/XXXX, but again I cant allow my credit to be compromised so I paid the {$15.00} on XX/XX/XXXX. I have now paid 7 months of my required payment and even prior to this incident the billing has been extremely sketchy. Can some one please review this company and their practices because I feel that they are taking advantage of me and I can not get anyone in this company to make this make sense. I am extremely upset that I have made over {$180.00} in payments for one payment they was supposed to only be {$23.00}! And they have the nerve to send me an erroneous delinquency letter, when in fact they owe me. You have my permission to dive as deep as necessary into the lifetime of my loan with this company. I have been trying to have them explain to me since XX/XX/XXXX, why my balance states {$140.00} with no clarity. I have made several payments to avoid late fees that come to nearly {$700.00} and they just keep taking the payments and telling me I owe more and more. This is not right. I am a single parent and can not keep this nonsense up in our current economic state. I'm exhausted working overtime to pay balances that should not be. Please review and take necessary action to resolve this unethical activity that is going on with my account. Thank you.

Company response to consumer: Closed with explanation