vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 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: CA

Complaint narrative:
A credit card account was opened in my name on XX/XX/2019 by XXXX XXXX XXXX XXXX with a current balance of {$7700.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

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 2021-02-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
An account was fraudulently opened in my name on XX/XX/2019 by TD Bank USA Target Credit with a current balance of {$560.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against TRANSWORLD. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/2021, chase closed all my bank account and credit card with out any reasons. And i tired a lot of times that if they could reconsider about closing my account but they refuse to do that in very rude way. i have no idea why they closed my account without any pre-notification, and i am currently travel aborad, and they just canceled all my card which makes my life really difficult. i have no idea what is going. i have the only clue that may cause this happen, it is i upgraded my chase student account to the chase private client account because the banker keep push me to do that. i have no idea about this kind account, they tell to do it, i just do. please help me re open my chase account, even just the checking and saving account. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CA

Complaint narrative:
An account was fraudulently opened in my name on XX/XX/2019 by XXXX XXXX XXXX XXXX Credit with a current balance of {$560.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I pay SallieMae monthly for a personal loan through my banks bill pay on time. I do not wish to have the company automatically deducted from my account for personal reasons. My bank deducts and sends them the money. About 3 months ago SallieMae started calling me everyday until the payment was received and telling me they did not receive the payment. I called my bank and disclosed the payment was never received and the bank conferenced called SallieMae to get them to waive any outstanding late fees. My bank, XXXX XXXX XXXX  said this company does not have an electronic agreement with Salliemae. They send a check to SallieMae. The problem lies in the fact that they would call me several times a day for several days even after the conference call with the bank and annoy me regarding my payment. This has gone on for several months after telling them I spoke to someone about this. I have finally blocked as many of their numbers as I can. They have now resorted to sending emails. I have finally learned that they have several addresses to which one can get a check to them faster. I find this whole experience incredible since all of their transactions are paperless, and yet they do not have some type of electronic transfer for payment with a major bank. I almost believe this is deliberate so they can tack on more interest and late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against MERCHANT AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CO

Complaint narrative:
Trans Union I have tried to fix this and so did a lender in the past. I am alerting everyone no institution that deals with privacy manners should be allowed to use subcontractors or otherwise broken English speaking people, lets get together and make sure it is made Law. They say I own homes in Texas never happened with me, they let a Debt collector into a frozen account while they are looking at my account knowing I owe no Debt we have to put a stop to this abusive behavior.

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I am being told that I need to pay for another XXXX, but I do not feel as if that is acceptable. Here is the timeline of events and why I believe I should not have to pay for another XXXX : XX/XX/XXXX - I paid for a XXXX  that was completed on this date. 
XX/XX/XXXX - I received a letter stating the value of the property was {$120000.00} and the value needed to be paid down {$8400.00} for the PMI to be removed. 
XX/XX/XXXX, XXXX I received a letter from NewRez stating I will need to submit a written request to have the PMI removed once I paid the value down to below 70 % and that the XXXX was good for 120 days from the completion of the valuation. Since the valuation was completed on XX/XX/XXXX, the valuation would be good until XX/XX/XXXX. 
XX/XX/XXXX - I submitted a check to be applied to PRINCIPAL BALANCE ONLY as noted in the memo line, and in the letter sent with the check. That balance was NOT applied to principal only and I had to call twice to have the corrected. 
XX/XX/XXXX - The principal only payment was corrected and the loan was paid to below {$84000.00}. 
XX/XX/XXXX - I submitted a request in writing to have the PMI removed, AS WELL AS a request to have the escrow removed. I have included the email below that I sent on XX/XX/XXXX. 
XX/XX/XXXX - I called your customer service line and spoke with XXXX who transferred me to the supervisor XXXX. I was told me request for PMI removal would be escalated. 

Since then I have called seven more times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again and XX/XX/XXXX ). I have spoken with 11 different people ( XXXX XXXX, XXXX XXXX- supervisor, XXXX , XXXX- Supervisor, XXXX XXXX , XXXX XXXX , XXXX, XXXX- supervisor , XXXX XXXX, XXXX XXXX and XXXX XXXX ) to find out why my PMI request on XX/XX/XXXX had not been addressed. All 11 of those people stated they would either call me or email me back, and the only one that did is XXXX XXXX who called me back once to tell me she did not have an update for me. 

I paid my loan down to the amount you requested, well within the time frame you asked me to pay it down within, and I submitted a request in writing ( as shown below ) also well within that requested timeframe. Please tell me why I need to pay for another vacation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
In XXXX a kid named XXXX XXXX was at my house helping do yard work. The next month my " XXXX  '' card was maxed out {$1200.00} I tried to get a ballance transfer of that card to XXXX  XXXX and was denied because " XXXX '' reported it to credit agencies. There isnt much I can do, I live on SSI and have a very hard time speaking to people. A company bought my debt from creditone and in XX/XX/XXXX I recieve a letter from the courts saying I need to apear for a payment hearing. Meaning LVNV Funding LLC had already taken me to small claims court without any notification. Or proving that I owe them any money period. The person who spent the money on the credit card died in XXXX of a XXXX XXXX. So I don't know what course of action I need to take. LVNV Funding LLC used the courts to legitimize a debt to them. They have since hired another company to manage collecting this from me. Adding court fees on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My ex-wife fraudulently opened this XXXX/XXXX  account which reports a debt she owes at {$710.00} without my consent.

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 2021-02-04 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: MO

Complaint narrative:
After reviewing my credit report I notice several errors and I begin to dispute them with Experian each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to Experian requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - Experian shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : XXXX XXXX XXXX they have the account opening date listed incorrectly. 
XXXX XXXX XXXX they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both Experian and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX  Contract with several companies.

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 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I have tried, on multiple occasions, to get this issue resolved. While on Vacation back in 2019, I was a victim of Identity theft. I did not allow any charges of the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Opened a bank account on XX/XX/XXXX at the branch for the direct deposit and was given a bank account number ending XXXX. I updated all my direct deposit information with my employer. On the payday, I did not receive my salary and checked again on XXXX, XX/XX/XXXX. After, scrutinizing I realize the account number is completely different in the Wells Fargo system I have logged into. This new account ends at XXXX. This was completely different information and I check with the XXXX customer care, who directs me to go to the branch to resolve and get my direct deposit updated with my employer as XXXX does not exist. This is an online account and we were told you will have no need to come to the branch ever. In addition, when we asked the branch banker on XX/XX/XXXX to close an account, he advised the branch to do it online ( and on XX/XX/XXXX, for another issue we were told to go to the branch to resolve and get information ). At the branch I called the manager on XX/XX/XXXX morning from home, the branch manager can not process my concern as she wants me to come to the branch only to authenticate my confidentially ( given the whole banking system asks for my social, name, etc to authenticate me and even Wells Fargo set up 'my voice is my password ' ). They why did the branch tell me I can access every information for my account online and did not need to come to the branch. The Branch manager tells me since I can not take a day off to go to the branch to solve this issue, she can escalate and I would get a call within 24 hours. I get an acknowledgment email and waiting another 48 hours for the call to process my direct deposit. I call the escalation number on XXXX XXXX, where I have been told that it takes up to 10 business days to assign a case manager and the acknowledgment is what is given within 2 days. So in short, the customer care on XXXX  pushes me to go to the branch manager, the branch manager after 48 hours pushes to escalation and now I have to wait. Everyone does apologize for the issue, but no one made any attempt to check the account or send back the acknowledgment to my new employer that account XXXX does not exist so that I can get my paycheck. All I am getting in this hassle are mere words and no actions. I am just asked to move in different directions without any concrete actions so that I can get my missed paycheck on time. No one in the bank is ready to sign and give an acknowledgment that the XXXX now does not belong to me even as all my consumer application forms right now have XXXX accounts and none with XXXX. My employer till XX/XX/XXXX, has not received a return email from the bank that XXXX does not exist so that they can re-process my paycheck to the correct account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation