vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B-XX/XX/XXXX SSN : XXXX I was denied a Checking account today at XXXX XXXXXXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a XXXX XXXX REPORT ASASP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: AES/PHEAA
State: TX

Complaint narrative:
I called AES and submitted disputes with all Three bureaus. AES updated late payment reporting on my XXXX but has refused to update my XXXX or XXXX. I have been getting the run around without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
On XX/XX/21 I submitted a Power of Attorney to Mariner Finance with regard to a customer of theirs with regard to trying resolve or restructure a loan to assist my client with repayment options or a possible settlement.On XX/XX/21 I called Mariner Financial to speak with the manager and was told the she ( XXXX ) was not available.I left a message for a return call.On XX/XX/21 I placed another call to Mariner Financial to speak with the manager and was told once again that she was not available so I left another message for a return call.I called several more time the dates are as follows ( XXXX and again on XX/XX/21 & XXXX.I called on XX/XX/21 because my client received two phone calls and a voicemail from Mariner Financial acknowledging that they have my POA on file but requested that she gives them a call anyway.The last two calls were on XXXX at XXXX and XXXX.After learning of these calls I called Mariner Financial on XX/XX/21 spoke with XXXX and advised him the they are violating that I was the POA for his customer MsXXXX.XXXX  and that they are in violation of FDCPA in contacting her.He said that per company policy that unless they receive a Cease & Desist they will continue to call her.I tried to explain FDCPA he refused to listen.I asked for his legal department he said to look it up then hung up.On XXXX/I called the corporate office to speak to someone with regard to the violations and was told to contact the branch.I explained the situation to XXXX at corporate she agreed that the branch should the contact my client but could no offer me a contact to the legal department and that I should call the branch. I asked if she was refusing to the give me contact information to the legal department and she said that she couldn't help me with that information.I called the branch back to speak with the manager to resolve the violations and was refused.I explained to XXXX that we will seek punitive damages against the company and I was told to do what we need to do. 
The address for Mariner Financial is XXXX XXXX XXXX.XXXX  Oh.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B- XX/XX/1982 SSN : XXXX I was denied a Checking account today at XXXX XXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a CHEX SYSTEM REPORT ASASP!

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Fraudulent XXXX transactions in my name Do not have card or access to account XXXX alert : Information distributed on dark web Unable to contact XXXX Contact made was with impersonating representative Attached documentation for removal

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 2021-03-30 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: TX

Complaint narrative:
I called XXXX and submitted disputes with all Three bureaus. XXXX updated late payment reporting on my XXXX but has refused to update my transunion or XXXX. I have been getting the run around without a response.

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 2021-03-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX  and submitted disputes with all Three bureaus. XXXX updated late payment reporting on my XXXX but has refused to update my XXXX or Experian. I have been getting the run around without a response.

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 2021-03-30 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have two CC with Navy FCU the account that I am talking about is the credit card with the line of credit XXXX ( Not the XXXX limit ). After contacting navy federal credit union when noticing that someone that use my card fraudulently they close the account down completely gave me a temporary provisional credit which I was never able to use and then reversed the transactions and put them back on the account causing me to have a balance for items that I did not purchase nor did I receive benefit from. Navy federal credit union failed to send me any fraud of affidavit forms or paperwork or notification advising me that they had reversed the charges I called the automated system spoke with a representative and they were the ones that told me that the dispute was not in my favor. They also retaliated by completely closing the account down permanently when they have a 0 % fraud liability which is utter false advertisement and they need to be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
When I called to settle debt, I was told I owed twice amount owed. When I Told the company I didnt have it, they asked how much I had. Once we reached an agreement to settle account, I asked if this would remove the collection. I was told It would that it would take 2-3 business days for my payment to clear and the collection account would be removed. Now after several disputes and calls to collections agency, They are denying telling me it would be removed. I feel so lost, Lied to and frustrated.Im a single mom and wouldnt of paid that amount to not reflect my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suburban Credit Corporation
State: DC

Complaint narrative:
A complaint was submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding the methods and practices from Suburban Credit Corporation used to obtain a debt, from I, ( a living breathing being, operating in good faith, clean hands and not to avoid any actions against me ), which are unlawful and infringe upon my rights as a living being. The complaint was submitted to the CFPB on XX/XX/2021 and wrongfully closed. 

Suburban Credit Corporation mistakenly chose to deal with the legal instrument that was signed, sealed and delivered via certified mail as a cease and desist letter. The instrument contained specific instructions and an invoice to cure this matter. 

The fact that I have never engaged in business with Suburban Credit Corporation, but Suburban Credit Corporation brought it upon themselves to design a form sent by way of postal mail and created an account with personal identifiable information and initiated, initial communication, essentially displays the date identity theft/fraud took place. 

Suburban Credit Corporation designed a form knowing that such form would be used to create the false belief that participation in the collection of or an attempt to collect a debt allegedly owed. Suburban Credit Corporation intended to use personal identifying information, without my direct permission, to gain financial advantages, obtain credit and other benefits, and perhaps to cause adverse consequences. 

This matter is a direct violation to the local and federal rules and regulations to which Suburban Credit Corporation state they are 100 % compliant with. 

Local and federal rules and regulations include identity theft/fraud and all who attempts or conspires to commit any offense and the treatment of the unlawful actions of designing, compiling and furnishing of any deceptive forms. 

This matter should not be dismissed as a minuscule matter. 

Under the rules and regulations that govern Suburban Credit Corporation, there are far more consequential repercussions for identity theft/fraud than the instructions that were given in the instrument. 

[ You should not steal, nor deal falsely, nor lie to one another. - XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Fraudulent Bank of America charges requested removal as authorized user Unaware of card in my name XXXX Alert : Personal Information distributed dark web Communication with Impersonating representative, stated I would be removed Unable to contact Bank of America No access to account or card Removal, please Possible mail theft of Identity Theft report/attached

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 2021-03-30 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: Synovus Bank
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX. On XXXX XXXX, someone hacked into my account and stole money out of my account. The amount was {$270.00}, {$68.00} and {$29.00}. I called chase and they reimbursed me. I went to a branch and I opened up a new account. On XX/XX/XXXX, chase went back in my account and swiped the money back out of my account. I didn't give anyone my account info nor did I send anyone any money. The person who hacked into my account, sent themselves money from my account. I did not authorize this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I initiated contact after receiving settlement letter. Prior to making payment to the agreed amount, I asked if this would be removed from my credit. I was told that after the payment was processed, the collections agency will update the bureau to have the account removed. After a month when the account wasnt removed, I called to follow up and I was told they dont remove the account off the credit. I explained my situation and what I was told, without any help. I disputed the collection with all three bureaus with no success. Please help me, I feel deceived and helpless.

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 2021-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I called Nelnet and submitted disputes with all Three bureaus. Nelnet updated late payment reporting on one bureau but has refused to update the other two bureaus. I have been getting the run around without a response. I am lost on why just one bureau would be changed but my two other bureaus are still being hit. Please help, this whole process has been so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
There are two  accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX  XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX/DSNB XXXX  Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
This has been the second time Ive tried disputing a closed account. Ive paid this account in full and its been almost a month now.

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 2021-03-30 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:
There are two accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX  XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
There are two accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX SS XXXX This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX BOX XXXX XXXX, ND XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX DOB XXXX SS XXXX This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, ND XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio recovery associates did not notify me of a lawsuit. Then got a default judgement on a debt that was outside the statute of limitations. Last payment of debt reported XX/XX/XXXX judgement was filed XX/XX/XXXX. XXXX is 3 years in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: HUNTINGTON NATIONAL BANK, THE
State: HI

Complaint narrative:
Someone attempted to apply for a mortgage with my SSN. I have a hard inquiry on my XXXX  credit report for a mortgage through Huntington Bank for XX/XX/2020 that I did not apply for.

Company response to consumer: Closed with explanation