vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: Nelnet, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXXXXXX. 
Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXXXXXX. 
Account Number : XXXX This is not mine. 

3. The status is incorrect for the following account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The status is incorrect for the following account XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account JPMCB HL Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CT

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Opened TIAA checking in mid 2021. Made opening deposit on XX/XX/2021. Resolved an error in the application and corrected Social Security Number. Account was approved. 
Set up online access. 

Several days later, TIAA blocked online access. An email was received XX/XX/2021, from XXXX XXXX, " Senior Fraud Analyst, '' who asked me to call. I called and spoke to a different fraud analyst. He stated he could not see the problem and that XXXX would call me back. I never received a call from TIAA clarifying any problem. Rather, it simply blocked my account. 

1. I can not access my transactions and statements in violation of the Truth in Savings Act that requires periodic statements for bank accounts. 

2. TIAA obviously accessed databases in their decision to take an adverse action against me, violating the Fair Credit Reporting Act as they neither notified me of the adverse actions, reasons the actions were taken, or the identity of the consumer reports they obtained and how it is possible for me to obtain a report. 

3. TIAA improperly will not allow me to access my account or the funds I deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northwood Asset Management Group
State: OH

Complaint narrative:
I called Northwood Asset Management Group ( NAMG ) on XX/XX/2021 and spoke to debt collectors who have violated the FCRA regulations. The 1st violation being that the reps would not allow me a chance to advise that this debt does not belong to me and that they kept accusing me of owing the debt. I asked for the debt to be validated and the rep advised there is nothing to validate and kept on insisting the debt is mine. That is illegal and against FCRA regulations. Debt collectors can not assume a debt belongs to someone and refuse to validate the debt. This debt does not belong to me. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: PA

Complaint narrative:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Based on what I heard from Citi Cards " 2 customer services representatives '' and 2 supervisors, the company closed my account on XX/XX/XXXX due to a balance of approximately {$0.00} without any notifications by email, by regular mail, or by phone. ( between {$0.00} and {$1.00} - all information including my past transactions had already vanished when I logged in to my Citi thankyou Preferred Card account XXXX XXXX XXXX XXXX ). 

I spoke with the 1st supervisor on XXXX and he told me the account cancellation notification already sent to me in the year of XXXX. The supervisor from Citi Cards customer services claimed " the past notifications '' will send to my address after I requested to view the notification of my credit account cancellation. However, I received nothing after 1 month, so I contacted Citi Card customer services on XXXX and spoke with another supervisor again to request to mail the notification to me. What I received is " Account Update Notice '' -- - " Thank you for contacting our Customer Service Team. This account was closed effective XX/XX/XXXX ... '' ( Please see attachment of Citi Card Account Update Notice ). I don't know both supervisors try to fool me around or play games with me just for wasting my time. 

I also include attachments for the information of " twice '' confirmations of account cancellation and the list of past emails from Citi Cards for the card account mentioned above. There is no credit card account cancellation notification email at all. I deeply feel my credit account was cancelled due to result of discrimination. My guess was reasonable due to the result of not receiving the cancellation notification and nobody was able to tell me the reason for the cancellation.

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I closed my gym account with XXXX XXXX XXXX  XXXX  in XXXX of XXXX. Closed, cancelled and done. So a year later they try to charge me. Now they say I owe XXXX $ for a year starting in XX/XX/XXXX, when this account was cancelled pre pandemic in XX/XX/XXXX! I havent been to this gym in over a year!

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 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Please be advised that this unusual foreclosure complaint is rare and unorthodox Due to the nature of the complaint. As of XX/XX/XXXX, I XXXX XXXX. Unsuccessfully requested per Freedom of information Act ( FOIA ) documentation concerning my mortgage loan that was Wrongfully foreclosed on in XXXX. My family still suffer from the dramatic unprecedented eviction. Wells Fargo as of XXXX, XXXX responded to the last Consumer Financial Protection complaint. On the other hand Wells Fargo failed to respond to the Freedom of Information Act. I request specific documentation Wells Fargo continued to send me information concerning my mortgage loan I did not request. This is a Freedom of information violation. My home was illegally foreclosed on I know they were not the Secured Party to enforce any foreclosure against my property. I am seeking resolution to this unduly act. Please Help.

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 2021-07-01 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Good afternoon, I received notification that I have an amount due in collections. I contacted the debit collection Transworld Systems. I have disputed the charge. I contacted the company XXXX. They changed the billing information for my account without my authorization and entered someone else 's credit card for my account. They failed to notify me any balance owed or that my payment was declined for a year. 

It was for auto insurance payments. I requested the invoices. In two invoices it states I owe a balance. In the previous statement I was informed that I was getting a refund. 

The invoices were not created at the time the payment was due, or past due. They were created in XX/XX/XXXX and XX/XX/XXXX. My policy with this company ended in XXXX of XXXX. 

I contacted the company. They claim they tried to draft the payment but could only collect a partial payment. XXXX XXXX told me the last 4 of the card on file. I have no card that has those numbers. They had tried to use someone else 's card that I have never had on file for my account. I even have the original authorization forms with correct information. All payments from XXXX XXXX were drafted off of my correct card. 

I now have this is collections damaging my credit due to the mishandling by their billing department of my financial information. I did not receive any notice. One that states I am being refunded was sent to an address I haven't live at since XXXX and it is not an address on my insurance policy. I didn't live there when I started the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold a car to a Buyer who paid me {$5000.00} via Paypal on XX/XX/XXXX. I was advised after my Paypal account received the payment that there would be a hold of up to 8 days - presumably for the payment to clear. The Buyer confirmed for me that the money left his account. After 8 days, I check and the money was still listed as " on hold ''. The stated reason is that this is a bigger than usual transaction for me which somehow translates to a requirement to hold the money - apparently until XX/XX/XXXX - just under a month since Paypal received the payment. This is also the date Paypal says they will provide an explanation. Paypal is fraudulently using my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: FL

Complaint narrative:
These accounts are not mine and I do not know them. I am victim of identity theft. This is ridiculous because I have them and they are killing my score and my income. I would like you to remove it forever from my account. 
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 2021-07-01 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:
These accounts are not mine and I do not know them. I am victim of identity theft. This is ridiculous because I have them and they are killing my score and my income. I would like you to remove it forever from my account. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: PA

Complaint narrative:
I filed a complaint against Trans Union not reporting accurate information on my credit report. On XXXX XXXX Trans Union stated that they would dispute the information with the creditor and they would provide me with an update 30 days after the dispute. Trans Union took longer than the 30 days to provide me with a status. On XX/XX/XXXX, they provided me with a status on my dispute stating that my dispute had been Updated. I disputed a late penalty that was placed on my Trans Union credit report by a creditor. The creditor responded to myself and all 3 credit bureaus stating that the late payment was an error and they removed it. Trans Union is the only creditor that is still reporting this late payment. I called Trans Union today XX/XX/2021 on a recorded line and spoke with XXXX. Per XXXX she stated the dispute was complete and the updated and deleted information. I asked XXXX to describe what was updated on my credit report and what was deleted because the late payment that I disputed for XXXX, 2021 still remained on my credit report. I expressed to XXXX that if there are no changes to my dispute it would say remains the same, however it says Updated/Deleted but Trans Union provided no information that was updated. I even asked what was the response from my creditor who placed the mark on my credit report and have uploaded the response from my creditor on their website and XXXX stated she did not know what was updated, she saw that the my credit reports remain the same but she failed to do anything about it and told me they did their part by notifying the creditor of the dispute. I expressed to XXXX that Trans Union is supposed to not only notify the creditor but to investigate and provide me with details of their investigation outcome. Trans Union has not provided me with any information showing that my credit report was updated, it is not and on one at their company can provide me with details on what was updated or a response from what they received from the creditor.

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