vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This Macys account has been reporting for well over 7 years and still reporting to the credit bureaus. By law under the FCRA this account should not be listed on my credit report after 7 years. Please have it removed. Thank you

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 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Original Complaint Closed Re : Complaint ID XXXX dated XX/XX/2020 Submitted follow-up complaint XX/XX/2020 Good Morning CFPB Representative, This is follow-up letter to our original complaint. Navy Federal Credit Union ( NFCU ) did not manage our mortgage refinance ( refi ) loan request in a timely manner. Four months have elapsed since NFCU indicated they were reconsidering our application. 
We sent an email to NFCU on XX/XX/2020 to XXXX XXXX, Mortgage Processor III and XXXX XXXX, Supervisor, Mortgage Supervisor requesting a status. We received an email notification on XXXX, 2020 from XXXX Branch, Mortgage Production Supervisor, the 3rd manager assigned to our loan, that she was assigned to our refi and was working on getting your loan through initial review so we ( NFCU ) can get your loan closer to closing. On XX/XX/2020, in response to our original complaint, NFCU agreed to reconsider our mortgage refi at the rate we initially agreed upon. Additional documents were requested, all documents were submitted and a property appraisal was completed. This refi was initially begun nine months ago in response to an email solicitation from NFCU. 
We give up! This was an egregious way to treat a veteran and member of NFCU. We have requested a refi loan from a different lender resulting in a .75 % increased interest rate due to NFCUs ineptitude. To satisfy this complaint NFCU needs to refund all fees they collected from us for this sham re-submission of our refi application, including the fee for the completed appraisal. 

Respectfully, The 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 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made contact with Check N Go Management and left a a couple of voicemail messages as nobody was available to attend my calls. 
I am respectfully requesting that Check N Go reps stop trying to withdraw money out my XXXX XXXX  XXXX checking account ending # XXXX as my account is overdrawn with excessive fees of around {$400.00} and there is no funds available. 
I am respectfully going through a difficult financial hardship and my family hardships and going through a Coronavirus issues. 

Check N Go Management hasn't sent me the new balance of debt and there is fees with XXXX  XXXX XXXX checking account ending # XXXX that has been excessive fees of overdraft by Check n Go. 
I am respectfully XXXX Lifetime and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: OK

Complaint narrative:
I had a service contract with XXXX, XXXX that was fulfilled. They actually did not provide a service for the last 12 months of the contract but I still paid them and fulfilled my end of the contract. After that, I cancelled the service and stopped paying. 
Today I received a call from a collection company stating that I owe over {$400.00} to XXXX. I called XXXX directly to verify and they said that they see that I fulfilled the term of the contract but because they did not receive a written notice to cancel that I was still being charged monthly. I never received a notice of default or that I owed them a debt. They have the correct email address on file and they did not ask for a forwarding mailing address, as they knew I was no longer at the previous service address. 
I believe they have violated multiple laws/regulations : They did not inform me of a debt owed. 
They did not inform me of a debt being sent to a collection agency. 
They did not cancel my contract after I requested it and I was outside of the contract term. 
They charged for a service that was not provided. 
I have requested a copy of a signed contract and they have so far not sent me a copy. 
I have tried to in good faith resolve this with XXXX, XXXX and they are telling me that they can not help me so I feel my only other option is to pursue remedy through a Consumer Protection agency. When I told them that I was going to pursue recourse through the CFPB and/or FTC, the rep laughed at me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$5900.00} XXXX/XXXX   XXXX {$840.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$130.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX/XXXX   XXXX {$440.00} XXXX XXXX  XXXX {$570.00} XXXX/XXXX  XXXX {$40000.00} XXXX  XXXX  XXXX {$2600.00} XXXX/XXXX   XXXX {$410.00} XXXX  XXXX {$5500.00}

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 2020-04-29 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$5900.00} XXXX/XXXX   XXXX {$840.00} XXXX XXXX XXXXXXXX XXXX {$570.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX/XXXX   XXXX {$440.00} XXXX XXXX  XXXX {$570.00} XXXX/XXXX  XXXX {$40000.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX   XXXX {$410.00} XXXX  XXXX {$5500.00}

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 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems is reporting I owe XXXX on my XXXX  Credit Report and showing XXXX on XXXX  Credit Report. I work with a debt company who has gotten this account closed but they are still attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed a complaint with Experian and it has been over 30 days and I am requesting inaccurate information be removed from my credit report.

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 2020-04-29 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: Security Credit Services, LLC
State: CA

Complaint narrative:
I have filed a complaint with XXXX  and it has been over 30 days and I am requesting inaccurate information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: FL

Complaint narrative:
I was in the process of buying a home when my lender pulled my credit report and they are showing two accounts listed for the US Dept of Veteran Affairs. This doesn't make any sense because the money was for school that I was paid out each month. When they over paid me they would take it out of the following disbursement therefore lowering the amount I was paid directly. There should be any type of collections for this. I sent a certified letter to the Dept of Vet affairs and they did not respond nor send me validation of this debt. How are the bureaus receiving this information if I can not?

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 2020-04-29 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: Clarity Services
State: CA

Complaint narrative:
I have filed a complaint with XXXX  and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
THE ACCOUNT HAS REACHED THE STATUE OF LIMITATIONS AND SHOULD NOT BE REPORTING ON ANY OF THE CREDIT REPORTING AGENCIES. PLEASE REMOVE THIS ACCOUNT FROM ALL THREE 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 explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
I was in contact with XXXX XXXX  XXXX XXXX  over a year ago in regard to this fraudulent account. 

The fact that Portfolio Recovery has placed a collection account in my credit report without any documentation notifying me of their intent, is against the consumer laws. 

Im a XXXX  employee, and my job is contingent upon my credit background

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I contacted CMRE financial on today because there was an account placed on my credit for {$130.00} balance obliviously from when I was seen by XXXX XXXX XXXX for the XXXX bill. This was said to be paid by my insurance XXXX. The account obivously had a balance on it of the {$130.00}. When the first representative got on the phone before asking me anything immediately placed me on hold and transferred me to another very rude and unprofessional representative who spoke to me as if I was a child or had broken some type of law. She was very degrading and down talking. I tried to explain to her that I was not aware of the balance or had I received any type of communication of such. She did not give me any options to resolve this matter and stated that it would not be removed from my credit. I have worked very hard and as a XXXX XXXX to maintain and keep my credit in a very good standing. Also pursuant to Texas law medical bills should not be reported to your credit report at this time. This is a direct violation of my consumer rights. I have reordered the conversations of how I was treated and attached them below. If this is not removed as I would like to resolve it I will be forwarding to my attorneys office immediately. THE FDCPA has standards to how a consumer should be treated and I feel as if my rights pursuant to the FDCPA has been violated. I am also forwarding a copy of my complaint to the California AG 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted XXXX XXXX  to obtain a mortgage refinance loan on XX/XX/XXXX. I signed an authorization for them to check my credit for that purpose. Based on my credit, the bank offered me a very low interest rate in its initial Loan Estimate. However, after processing my loan they came out with an interest rate that was 2 percentage points higher than the initial rate they had offered me. I declined the loan at that point and told them I was not interested in continuing the refinance. However, the bank went ahead to check my credit two more times without further permission from me. I even complained to them after the second check and ask them not to check my credit again since I was not going to continue with them but they still did a third check on my credit. The additional inquiries greatly affected my credit score such that my credit fell precipitously. This is preventing me from getting approved for credit I would otherwise have been approved for. 

I have contacted Transunion and XXXX  to dispute the additional inquiries of XX/XX/XXXX and XX/XX/XXXX but they referred me to XXXX XXXX. The Bank is not responding to me. 

I need XXXX XXXX  to request removal of the additional inquiries from my credit file.

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 2020-04-29 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: MS

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$15000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: CO

Complaint narrative:
I have a credit freeze for Equifax I put on a long time ago. 
I wish to unfreeze my information to get a loan for a house we are purchasing. 
Since freezing, my phone number and address may have changed I tried using the web site to unfreeze my account and, after putting in all my information, I get a reply " Sorry we can't help you ''. ... no more information to give me a clue as to what the issue is. I tried this several times even using old phone numbers and addresses. 
The page gives me a phone number to call. 
I've called the number and have been on hold for DAYS! ( no  exaggeration ). 
I did get a real person twice and, after giving them my correct information they said they couldn't help me. I asked why and they said what I told them did't match their records. I asked for a manager and they said they couldn't help me. 

Twice I've sent a snail mail to the address indicated on their web site. I included all the information they asked for. 
I received one letter with a code for their web site and it did not work. 
It's been several weeks since sending the last letter and I haven't received any acknowledgement. 

If I can't unfreeze my account I can't get my loan. Equifax has denied me getting my home. 
I am beyond frustration regarding this. I really can't believe someone's life can be XXXX  up so much just because of the incompetence of a company that holds their personal information. I appreciate and acknowledge the security issues but this is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: DISCOVER BANK
State: MT

Complaint narrative:
I don't have a Discover Card. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi To whom it may concern I gave my debit card to my mom to deposit XXXX dollars into my checking account of capital one 360 bank She deposit XXXX dollars first and got the receipt Then she insert XXXX dollars into atm and atm took money inside and didnt count or gave any receipts or didnt show any error. 
I called the bank to file a claim And next day i went back to bank branch and it was temporary closed due to covid19 It is still closed at of it now after 40 days. 
They returned XXXX temporary but took it back saying there is no record of you depositing Money into atm and you dont have any receipts to substantiate your claim I dont know what to do as the bank saying our investigation is closed and we cant open the investigation again There are cameras inside the bank and the first receipt of deposit.

Company response to consumer: Closed with explanation