vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: DC

Complaint narrative:
On XX/XX/2021, I sent Great Lakes a letter stating that the loan on file for {$44000.00} is not correct and demanded a removal off my consumer report. They followed up on XX/XX/2021, by stating the debt was paid in full, closed, paid, and the balance as '' XXXX ''. Great Lakes violated 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ). Take further notice that Pursuant to 15 U.S Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval stating that someone other then me a consumer, in fact, is the creditor when I am the creditor Pursuant to 15 U.S Code 1692a ( 4 ).

Great Lakes has violated my consumer rights by using my credit card and I the consumer received no benefit. Congress has said so under 15 U.S Code 1602 ( p ). The term " unauthorized use '', as used in section 1643 of this title, means a use of a credit card by person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card because I am the cardholder the natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: TX

Complaint narrative:
On XX/XX/XXXX I was notified that there was a collection by XXXX XXXX on my EXPERIAN credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXXI filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). 

Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to Experian for investigation and verification. After investigation the credit reports for Experian was updated and the collection was removed. I have since locked all three credit files ; XXXX, Experian and XXXX. 

I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX  XXXX. I immediately called EXPERIAN and the collection was removed the same day. 

On XX/XX/XXXX the same collection reappeared on my EXPERIAN report. THIS IS THE THIRD TIME THAT A TWICE PREVIOUSLY INVESTIGATED FRADULENT CHARGE HAS REAPPEARED ON MY EXPERIAN CREDIT REPORT. What is going on over at EXPERIAN?

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 2021-08-03 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: CT

Complaint narrative:
this account does not belong to me. i have no knowledge of this account and have no business with 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
Consumer complaint received 2021-08-03 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: I.C. System, Inc.
State: CT

Complaint narrative:
this account does not belong to me. i have no knowledge of this account and have no business with 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
Consumer complaint received 2021-08-03 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Syncb/Ashley XXXX is reporting a late for XX/XX/20. I did not mean to be late, I was unable to make payment because of a language barrier. I wasn't understanding what it was I needed to do and my daughter usually make the payments. I was never late before and I have been on time since. I ask they please remove the late notation from my 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 non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I recently found out that I have a debt collection on my credit report after a friend ran those reports for me. That being said, it says that I have a balance owed of {$410.00}. However, my final bill dated XX/XX/XXXX, from XXXX XXXX XXXX states that I owe XXXX. The first credit agency that had the collection stated {$240.00} as well. However, when the collection was sold off to another agency - IC systems - the amount had essentially doubled to what is now {$410.00}. My only theory is that they have included equipment that I had previously returned and you will find that tracking number below. I called XXXX XXXX XXXX and they too confirmed that they received that equipment back in XXXX. Below I will attach all the documents pertaining to this - the final XXXX XXXX XXXX bill, tracking number for equipment ( potentially what made the debt increase, but still does not justify why one collection agency had one amount and the other, another amount ), as well as the previous collection agency amount.

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 2021-08-03 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: CT

Complaint narrative:
I have no knowledge of this account and i have not conducted any business with 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
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have received a letter that the bank is closing my savings account. I've been in this bank since it was XXXX XXXX XXXX in 1968. Letter states we decided to close your accounts but the refuse to ste why they are closing it. They are not closing my business account which is linked to it. There was a small checking account linked to it for 5 years that was never used and my bank manager closed it out for me a couple weeks ago. Then this happened out of no where. I currently have over {$120000.00} in the account. My current credit is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was offered a secured line of credit with Bank of America. I was asked to pay a deposit of {$200.00}, was told that after a few months, usually 6 months of good payment history, I would get an increase on my credit limit, and that after 12 months, I would get my deposit back. Neither of these promises took place, instead, Bank of America closed my credit line without any previous notice and has never returned my {$200.00} deposit and my payment history is/was excellent. The line of credit has been closed for a few months now and I have yet to received my {$200.00} deposit.

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 2021-08-03 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: NY

Complaint narrative:
There is a XXXX XXXX  credit card opened and used fraudulently in my name. The card was opened and used regularly in XXXX and XX/XX/XXXX, but I was not in the XXXX from XX/XX/XXXX to XX/XX/XXXX. I have signed and filed back the statement of fraud the XXXX XXXX  send to me together with the proof document that I was not in the State during the time. I have filed this case with the police department and asked three credit bureaus to block this item from my credit report. However, in late XXXX, this item was reinserted into my credit report. I contacted all 3 credit bureaus, and XXXX  and XXXX  allow me to argue this investigation result. However, Experian refused to initiate a reinvestigation, which is unfair to me.

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 2021-08-03 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: FL

Complaint narrative:
Ive contacted the XXXX XXXX 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX does not show any bankruptcy on my credit file. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. 

XXXX  still shows over XXXX false/not authorized credit inquiries on 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 2021-08-03 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: MI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
This company os deceitful they call from all different & continues to call me as early as XXXX I call back they dont identify the company today I spoke with a manager about the practices and to tell them wrong number and to stop calling that only made them call even more. I called back and answer and just hold the phone these are all rude foreigners and they are deceitful I am currently seeking to file a lawsuit against them for this harassment. I have been forced to pay money to have my number changed today. They think this is a game but its concerning. I thought the CFPB had laws in place to for this type of treatment. Sad thing is these foreigners lie about their names please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX And : Nissan Motor Acceptance Corporation XXXX. XXXX  XXXX XXXX, Texas XXXX In XX/XX/XXXX, I purchased a new XXXX XXXX  from the XXXX XXXX dealership and financed by Nissan Finance. 
There were faults with the front-end, which posed a danger to my life as well as my family. 
On at least three occasions I returned the vehicle for corrective actions but no sincere actions were taken to fix the problems.

During the Covid-19 development in XXXX XXXX, and the need for a safe vehicle, I was forced and confusingly given a more costly XXXX XXXX ( new XXXX ) vehicle. This entire misleading transactions left me with a high balance of {$45000.00} plus and an interest rate of over {$500.00} monthly. 
This type of negligence and deliberate breaking of the Arbitration Agreements have damaged me financially and the company must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: AR Resources, Inc.
State: CT

Complaint narrative:
I have no knowledge of this account and i have not conducted any business with the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
I have no knowledge of this account and i dont have any business relationship with the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: AL

Complaint narrative:
I checked my credit report last year in XXXX of XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from Equifax, XXXX, and XXXX. This should be considered fraudulent if no one can provide the information I'm requesting to verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX of Penn Credit Corporation to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it. 
15 U.S. Code 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

This company is in violation and performing an infringement upon a consumer 's right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I had a credit card opened in her name with a bill for {$1500.00} in XX/XX/XXXX. I was not aware of this until I received a letter from XXXX XXXX XXXX stating that I owed {$1500.00}. I received the letter on XX/XX/XXXX, I ignored it as it appeared to be a bogus claim as I had not opened a PayPal credit card. 

I received letters from XXXX law firm threatening to sue me for the owed debt if I did not pay. I contacted the XXXX law firm and refused to give them my SSN or any other identifying personal information. The law firm sent me documents indicating that the debt was for scuba equipment purchased in Florida, I did not make such a purchase. 

I have filed a fraud complaint with my local police department in XXXX XXXX Wisconsin.

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 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo granted and approved Covid-19 related forbearance plan of missed payments to be placed as second mortgage. 
Now they are denying the option after what they told me was approved ( on a phone recording ). No reason other than process has changed. 
I received No communication, no letters, nor calls regarding any changes are requested information ... So I call to resume payments and discover they are denying assistance for which they verbally stated was already approved, documented on their computer as approved in a recorded phone call. 

I have made numerous calls and I am bewildered why an approved wells Fargo deferral of payments to a second mortgage is now being denied under a covid related Cares Act measure of relief.

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 2021-08-03 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: CT

Complaint narrative:
I have no knowledge of this account and i dont have any business relationship with 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
Consumer complaint received 2021-08-03 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: CT

Complaint narrative:
I have no knowledge of this account and i dont have any business relationship with 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