vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
CFPB is full of complaints against the Navy Federal Credit Union. I have filed a number of complaints attempting to correct my XXXX, XXXX and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. Navy Federal Credit Union continues to report false information to each of the the three credit reporting agencies. Navy Federal Credit Union pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. Navy Federal Credit Union then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX reporting the cancellation of the debt. Navy Federal Credit Union continues to report a PAST DUE amount of {$22.00}, XXXX. By law, Navy Federal Credit Union can not continue to pursue a debt they have cancelled. Navy Federal Credit Union can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. Navy Federal Credit Union abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. 

Accounts With a Negative Pay Status LENDERTYPEBALANCE NAVY FEDERAL CR UN COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name NAVY FEDERAL CR UN Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX5 Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Remarks Charged off. Canceled by credit grantor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: MO

Complaint narrative:
I have tried to fix this problem but have had no help! they refuse to provide and fix incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Performant Financial Corporation
State: AR

Complaint narrative:
COLLECTOR FAILED TO VALIDATE SAID DEBT, PLUS IGNORED CEASE AND DESIST COMMUNICATIONS DEMANDS, THE TAXES IN QUESTIONS ARE CORRECT VIA AMENDED TAXES FROM XX/XX/XXXX-XX/XX/XXXX TAX SEASONS. STOP CALLING MY DADS CELLS. THEY KEEP VIOLATING THE DODD FRANK ACT.

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 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ATG Credit, LLC
State: TN

Complaint narrative:
I routinely check my credit report for updates and inaccuracies. I checked my report during the week of XX/XX/XXXX after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both XXXX  and XXXX had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never heard of ATG before seeing their name on my credit report nor have I ever received any correspondence or communication of any form from them. I had NO notice of any debt owed and I have no idea what this pertains to. 

I am unclear what the claimed amount owed is. Per the credit report it says balance {$4200.00} and highest balance {$2700.00}, which makes no sense to me. It also says that it was opened in XX/XX/XXXX. However, I usually check my credit at least once a month and receive regular email notifications of changes to my score and last week was the first time this appeared on my credit report. Again, between last XXXX and now, I had no communications from ATG regarding a debt owed. Reporting the alleged debt to the credit reporting agencies and significantly damaging my credit was the first notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
XXXX XXXX XXXX re-aged their collection account to adversely affect my credit. My last bill with XXXX was XX/XX/XXXX, but it is being reported to XXXX as placed for collections on XX/XX/XXXX. This was reporting correctly until about XX/XX/XXXX when the " Placed for Collection '' date changed to the incorrect date. This dropped my credit score 29 points for no reason at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On the evening of XX/XX/XXXX, I electronically transferred {$78.00} from my Bank of America ( BOA ) checking account, to my daughter 's BOA checking account. The internet stalled as I waited for XXXX ( the entity that BOA uses for online transfers ), to zap that {$78.00} from my account to my daughter 's. I got an error message about XXXX not being able to make what XXXX stated would be a duplicate request. But XXXX slowly confirmed my transaction was done. As I checked to see what was done, I saw XXXX had made THREE {$78.00} transfers totaling {$230.00}! So I called the BOA customer service number of XXXX, only to get that now usual recording of live agents being busy with other customers. I hung up and asked my daughter, who lives with me, to try to correct the error by just returning {$150.00} back to me, though XXXX/BOA. My daughter did that, and got a BOA confirmation notice of the {$150.00} going to me. {$150.00} was taken out of her account. But MY account still just showed {$230.00} missing! So I called BOA again on the XXXX, and again on the XXXX, and again, again, again on other dates/times. I got different, ineffective, inefficient responses each time. Here 's what was said : I needed to set up my XXXX service to include my e-mail for transfers ; did that, to no avail ; so it was then, I need to speak directly to XXXX ; got transferred to XXXX, just a talking robot, no live person who could help me resolve the problem ; then it was, I need to let BOA investigate ; at some point I had sense enough to say I neeeded to file a dispute/claim ; BOA said my claim was filed, but I see no such claim ; and an agent said during BOA 's investigation, I would have my {$150.00} restored to me today, XXXX XXXX, but of course, not so ; now BOA agents say I'll have to wait until maybe Friday, XX/XX/XXXX, for their investigation to end and for me to thus, get back my {$150.00}! This is outlandish, since when customers have disputes outside of BOA, customers get fast results - missing monies are quickly credited while BOA investigates. But when BOA or its XXXX entity is at fault, customers wait, wait, wait, to no avail. And customers can't even see any evidence of claims filed! Sounds like BOA just likes to cover up its mess-ups, at its customers ' expenses!

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 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/2019 I snail-mailed a letter request to Equifax to create a credit file for my minor ( XXXX-year-old ) son and then instantly freeze his report. ( He has no credit file. ) Following information available at equifax.com, I submitted the appropriate form and pieces of documentation ( including copies of my son 's social security card, birth certificate, and my driver 's license ). 

On XX/XX/XXXX I received a form letter from Equifax saying my son did not have a credit file and offering no further advice. 

On XX/XX/XXXX I sent a follow-up letter to Equifax 's Minor Child department, explaining what I had tried to do and again asking Equifax to do it. A week later I received a second form letter. Once again, it said what I already knew : my son has no credit file. 

On XX/XX/2019 I phoned Equifax 's main Customer Service number. The rep ( who gave her name as XXXX  ) seemed confused at first, said she had to ask someone, and finally explained to me that Equifax can not create a credit file where none exists -- that they can only freeze an existing file.

Information at https : //www.equifax.com/personal/education/identity-theft/child-identity-theft/ appears to contradict what she told me which also appears to be in violation of Public Law 115-174.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: GA

Complaint narrative:
I have filed several disputes on what I believe to be inaccurate information on my Equifax credit report. I can't get into the Equifax dispute system because they are constantly having problems with their website. I only have one of the dispute results readily available. 
There is a derogatory remark on my credit file for XXXX XXXX XXXX XXXX from XXXX XXXX XXXX for a collection of {$70.00}. I called XXXX XXXX for a copy of a bill as I have never received one. They tell me that they can't get a copy because it has been turned over for collection and I need to call XXXX XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX  to see if they can help me figure out what this is for. I get NO HELP from them. I am not going to pay something if I can't get a copy of a bill for it. 
This was on both on XXXX AND EQUIFAX. I file a dispute with both. XXXX cleared it off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 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: MN

Complaint narrative:
Never opened a credit card with XXXX  XXXX XXXX on XX/XX/2018 as shown on my credit report with TransUnion

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 2019-02-11 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: MO

Complaint narrative:
I have tried to fix this problem but have had no help! they refuse to provide and fix 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 2019-02-11 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: GA

Complaint narrative:
CFPB is full of complaints against the XXXX XXXX XXXX XXXX. I have filed a number of complaints attempting to correct my XXXX, Equifax and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. XXXX XXXX XXXX XXXX continues to report false information to each of the the three credit reporting agencies. XXXX XXXX XXXX XXXX pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. XXXX XXXX XXXX XXXX then CANCELLED THE DEBT when they CHARGED OFF the account and issued a 1099 reporting the cancellation of the debt. XXXX XXXX XXXX XXXX continues to report a PAST DUE amount of  {$22.00}, XXXX. By law, XXXX XXXX XXXX XXXX can not continue to pursue a debt they have cancelled. XXXX XXXX XXXX XXXX can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by 1099. XXXX XXXX XXXX XXXX abandoned all claims when they charged off the debt and issued the 1099 to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. 

Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name XXXX XXXX XXXX XXXX Account Type Credit Card  Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off. Canceled by credit grantor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IN

Complaint narrative:
I tried a website to get an answer on a computer problem. The site did not answer my question and charged me XXXX. I called U.S. Bank and told them not to honor that charge because I didn't get an answer, they took this charge off my bill. The next day, I looked at my credit charges, on-line, and found a XXXX charge for joining this site. I did not join this site! The charge was put on without my knowledge. I called and told the fraud department that this was a fraudulent charge and they shouldn't honor this charge. They told me this charge would be taken off my bill. I have since closed my account because of this charge and I keep getting notices that I owe this bill. For three months I've been dealing with the fraud department and they are still charging me for this fraudulent charge.

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 2019-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
failed to sell the car in a commercially reasonable manner and sold at below fair market value. Also no notification of the sale was provided. As required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
i sold a car the person sent me half the money then once they received the car they sent the other half through XXXX i once the money was transferred to my account my bank locked me out this frustrating because im out of a car and the money there telling me to get in contact with the buyer and i can't locate or contact the buyer i really need help with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
Iberia Bank has reported on my Consumer report that I have {$410.00} as a charge off which is incorrect. I worked with the main office of Iberia Bank getting all of the fees correct that my local bank messed up on. I was trying to close my savings and my checking account. The employee left my checking account open due to a XXXX  charge that was still pending on my account and stated that once that cleared they would freeze the account and I would have to come in a sign. By the time I came in there was over 400.00 of NSF fees that the bank was allowing some autopay transactions go thru knowing I was closing the account and was told that I didn't have to worry. I would have time to change all my information and notify my creditors I was closing that account and give them new account information. Once working with the main office of Iberia Bank, they removed most of the fees and I did a phone payment for {$260.00} as the final payment on XX/XX/2018. There was no charge off or any issue with the debt. This is inaccurate information. I did go in and out of this bank and speak with 3 employees, including the manager over the woman who completely lied to cover herself. She made the error, admitted it to me and then when I got XXXX XXXX  involved at the XXXX XXXX branch in XXXX XXXX, she completely lied.

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 2019-02-11 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: GA

Complaint narrative:
CFPB is full of complaints against the XXXX XXXX XXXX XXXX. I have filed a number of complaints attempting to correct my XXXX, XXXX and Trans Union accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. XXXX XXXX XXXX XXXX continues to report false information to each of the three credit reporting agencies. XXXX XXXX XXXX XXXX pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX  ignored all this information and proceeded with collections. XXXX XXXX XXXX XXXX then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX  reporting the cancellation of the debt. XXXX XXXX XXXX XXXX continues to report a PAST DUE amount of {$22.00}, XXXX. By law, XXXX XXXX XXXX XXXX can not continue to pursue a debt they have cancelled. XXXX XXXX XXXX XXXX can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. XXXX XXXX XXXX XXXX  abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Charge off Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name XXXX XXXX XXXX XXXX  Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXXDate Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off. Canceled by credit grantor.

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