vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/XXXX I received XXXX emails from XXXX the first was a " Paperless statement confirmation '' and the second was " Congratulations, you've been approved! ". Both of these emails were sent to XXXX while my actual email address is XXXX and indicated there was an account ending in XXXX opened for my nickname ( i would never open an account with this name ). The account was for an airlines rewards credit card through Barclay 's US. 

I did not click any links in the email but instead did a XXXX search for Barclay 's US bank and looked up their fraud reporting number. I called and tried to report this incident but they could find no record that an application had been made.

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 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
I received a bank subpoena on XX/XX/2021 regarding an account that was opened under my name with XXXX. I had no knowledge of this which is why I filed a police report right then and there. Crown asset management went into my savings account and pulled out the full amount without warning. I then filled out a claim of exemption form and filed it with the court timely. The judgment debtor denied it. Then I appealed it with the court and appeared in court on XX/XX/2021 and represented myself and the judge approved my claim of exemption and ordered to have my funds released into my account. Today which is XX/XX/2021 I received a notification from XXXX stating that my wages are going to be garnished from crown asset management. I contacted the court and they stated that the case has been closed and the funds were to be released into my account. OXXXX XXXX  website it states that starting from my next pay. Crowned asset management will be garnishing my wages even after the judge ordered for my funds to be released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: NY

Complaint narrative:
Since XX/XX/XXXX I have been disputing a XXXX XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXX XXXX. I again disputed the XXXX XXXX entry on XX/XX/XXXX and XX/XX/XXXX to receive the same response verified. Even though I have pointed out to TransUnion all the inaccuracies on my credit report 1. Account status DEROGATORY should is inaccurate 2. Date opened is INACCURATE. 3. Payment status UNKNOWN is inaccurate 4. Last reported XX/XX/XXXX this is INACCURATE if they investigated this 3 times the date should show a date in XXXX not XXXX 5. Date of last activity is inaccurate compared to the other 2 credit reporting agencies and 6. Date of last payment is BLANK this is inaccurate. TransUnion continues to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation, negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and I will also provide my most recent credit report High lighting the inaccuracies side by side with the other credit reporting agencies.

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 2021-12-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: TX

Complaint narrative:
Hello, Please help us! We are trying to sell my Mom 's home.She has a reverse mortgage which is service by NOVAD Consulting Company. 
We are currently under contract but are in danger of losing the sale due to lack of Payoff information by NOVAD.The Title company has followed all of the rules and filled out all of the forms properly.We have no response from NOVAD.We have spent hours on the phone on hold with no human to talk to or even leave voice mail. 
There are XXXX XXXX XXXX XXXX Complaints concerning NOVAD. 

We lose the sale of the house at Midnight. We lose the sale of the house. We will lose over XXXX in equity in the sale of the home of we can not close. 

NOVAD does not respond. 

House is under contract-XXXX XXXX NOVAD- refuses to provide payoff for closing XXXX XXXX XXXX  XXXX, Texas XXXX Thank you so much! 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The bank failed to notify my town that they own my mortgage, failed to may our property tax bill on time, and when I am attempting to solve the problem I have been on hold for more than an hour and a half. They would not connect me to a person in the bank 's tax department.

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 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: SC

Complaint narrative:
I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$1500.00} on XX/XX/2021. I have no idea where this financing came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My home has a forced placed insurance policy on it, which I have told the lender I would like to keep as it is cheaper than what I have been quoted from other companies ( house was built in 1930 ) XX/XX/XXXX : Penfed made insurance payment of {$1800.00} from my escrow account. Not long after, I received my insurance policy documents in the mail. 

XX/XX/XXXX : My escrow was credited {$1500.00} with the description of " homeowners insurance refund ''. I did not receive notice that they were canceling my homeowners insurance. 

XX/XX/XXXX I called Penfed upon noticing the refund and my escrow balance that was now {$3400.00}. I asked why my escrow balance was so high when it should only be 2 months of payments ( my escrow only pays for insurance, not taxes ). I was told they would do an escrow analysis on XX/XX/XXXX. 

XX/XX/XXXX I called Penfed again to check on the insurance issue and was told that an escrow analysis could not be done until the insurance issue has been resolved. I was told that they would open a ticket for it and it would take about 5 days. 

XX/XX/XXXX I called Penfed for an update on the status of the insurance ticket and was told that it had not been completed, also that they had requested an escrow analysis that would occur sooner than XX/XX/XXXX but it will not be done due to insurance issue. 

I have called several times since these dates and each time I am told there are no updates. They will not do an escrow analysis, and they will not resolve the insurance issue. I have communicated that I would like to continue with the lender placed insurance, but they will not tell me why it was canceled other than that they " switched computer systems '' and it was supposed to cancel to transfer over to the " new system ''. I have asked for a call from a manager, nobody has contacted me.

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 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$890.00} on XX/XX/2021. I have no idea where this financing came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The the credit bureau experian and XXXX. My bankruptcy was not verified and I have sent them both the letter from the company that they used to verified. The company letter said the bankruptcy couldnt be verified so they removed it. But experian and XXXX wouldnt removed the bankruptcy.

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 2021-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
XX/XX/XXXX : Vehicle accident in XXXX XXXX AZ. XXXX XXXX XXXX. 
XXXX XXXX XXXX declared total loss and negotiated with Ally Financial Inc . 
XX/XX/XXXX : Ally sent Letter of Guarantee to XXXX XXXX stated net payoff amount of {$15000.00}. 
XX/XX/XXXX : XXXX XXXX mailed check in amount of {$15000.00} to Ally. The check was cashed by Ally. 
XX/XX/XXXX : Ally Financial Inc. deducted {$390.00} from my checking account after payoff settled. 
I telephoned Ally and XXXX to no avail. I requested a refund of {$390.00} that I believe was taken after the fact and is wrong.

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a letter addressed to me from Regions Bank at my home address regarding a debit of XXXX against checking account number XXXX on XX/XX/2021. The debit was taken to satisfy debt in the amount of XXXX due and owing by one of the owners of the account on another account with Regions bank. I went into a local Regions bank branch and spoke with Branch Manager XXXX XXXX in the XXXX GA branch at XXXX XXXX XXXX XXXX. He stated that there were two checking accounts and two savings accounts opened in my name using my actual social security number and date of birth and address. The email used was not my email " XXXX '' and a name of " XXXX XXXX '' was also listed on the account. There was activity of deposits from " XXXX '' of XXXX with serial number XXXX on XX/XX/2021. There were payments to XXXX of XXXX in my name with a trace # XXXX on XX/XX/2021 and customer id of XXXX. There was an XXXX payment to XXXX XXXX Customer ID XXXX on XX/XX/XXXX, XXXXRegions has red flagged the bank accounts and I have emailed XXXX, XXXX, and in the process of getting a PIN number from IRS for my tax filing. My office number is XXXX and email is XXXX. I have filed a police report with the XXXX XXXX XXXX XXXX case 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 2021-12-07 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$510.00} XXXX XXXXBalance Owed : {$6800.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXBalance Owed : {$1500.00} XXXXXXXX XXXXXXXX XXXXXXXXBalance Owed : {$420.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXXBalance Owed : {$500.00} Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-07 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: NY

Complaint narrative:
To Whom It May Concern, Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The bank account was a linked bank account that was accessed by a scammer who got all the online banking information. And once they were in the account they authorized a payment through a third party app called XXXX for all the money that was in my account. The bank then locked the account and only deposits were allowed to be made. The bank said once the transactions are done pending that we could despite the claim and get the money back. Well we got the money back but the scammer once again took the money out both of the accounts.

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 2021-12-07 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: MI

Complaint narrative:
So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.

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 2021-12-07 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: MI

Complaint narrative:
So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.

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 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a notice from FIRST FEDERAL CREDIT CONTROL XXXX concerning XXXX debts ( {$15.00}, {$15.00} and {$10.00} ), which represent copays that i had already paid to my Dr 's office in XXXX. My primary care physician retired in XX/XX/XXXX, and the practice was sold. Because the amounts were small, I paid them on XXXX XXXX. In XX/XX/XXXX, I tried to apply for a loan, and these charges still appear on my XXXX credit report. I contact FIRST FEDERAL and they sent the attached letters confirming that the debts were paid As of XXXX XXXX, these amounts were AGAIN reported on my XXXX credit report. I can not get them to DELETE them and to STOP reporting this already-paid debt to 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 2021-12-07 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: NAVY FEDERAL CREDIT UNION
State: TX

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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 we are in the month of XX/XX/XXXX and 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. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TX

Complaint narrative:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. It's been 90 days today I feel like I'm being taken advantage of. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. My consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!

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 2021-12-07 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: TX

Complaint narrative:
I've sent in my FTC report stating that I was a victim of Identity theft. The issue is I still have one account that they have refused to remove. I have answered every questions and sent in everything that has been asked of me but it still has not been removed. This is a direct violation of the law and they do not seem to care.

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 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: DE

Complaint narrative:
On XXXX XXXX my Cashapp virtual card was charged {$590.00} and {$65.00} from a company called XXXX. I notified cashapp about the fraudulent charges and they have not refunded my money back to me.

Company response to consumer: Closed with explanation