vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a victim of identity theft starting at the age of XXXX and someone opened bank accounts, credit cards and checking accounts in my name. Ive never had XXXX XXXX XXXX XXXX in my life and you guys have cleared and closed the credit card that was in my name due to fraud and I need this checking account and savings account closed and removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.

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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEICHERT FINANCIAL SERVICES
State: ID

Complaint narrative:
Welchert Financial Services failed to pay the first half of my XXXX property taxes out of my escrow account, despite full funds in my account to do so on time. 
XX/XX/XXXX I received a Delinquent Property Tax statement from XXXX County Treasurer in XXXX, Idaho, with a late charge of {$24.00} plus an interest payment of {$12.00}. I am fortunate enough to have funds available in my checking account, and I am never ever late paying my bills. Therefore, I called XXXX County Treasurers office and paid the whole year 's worth of XXXX property taxes plus the late fee and interest charge. 
Then the same day, XX/XX/XXXX I called Welchert at XXXX and spoke with XXXX. She said payment was made in XX/XX/XXXX for {$1200.00} for parcel XXXX. Right amount and parcel number, so, I called XXXX County Treasurers office at XXXX XXXX and spoke to XXXX, who said there was no record of my property taxes having been paid by Welchert in XX/XX/XXXX. So, I called Welchert back and spoke to XXXX and I told her my taxes were NOT paid by Welchert and she opened up a case. 
I called again XX/XX/XXXX to follow up and there was no status change. 
I called Welchert again XX/XX/XXXX and spoke with XXXX, still no status change. 
XX/XX/XXXX I emailed a PDF of my original tax bill and the delinquency notice to Welchert Customer service. 
XX/XX/XXXX I called Welchert yet again and spoke to supervisor XXXX, still no status change. I called XXXX County Treasurers and finally got them to email me a proof of my paid taxes, interest and late fee and I emailed that to Welchert Customer service. 
XX/XX/XXXX I received a letter dated XX/XX/XXXX from Welchert saying they are working on the issue. This has gone on long enough with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
During the first week of XX/XX/2021, my parents and I have been receiving calls and voice messages from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( that is connected to Navient ) harassing us to force us to pay more for my private student loans, which I have paying for timely every month now for the past three years. They want us to pay a balance due as of XX/XX/2021 in the amount of {$6900.00}, which we can not and would not be able to afford. I have had to deal with the same company before, and I do not wish to talk with them because I do keep up with the full amount due each month for each loan. I am still going to work on getting my loans transferred to another company that will better settle the issue, and I would appreciate that the same aforementioned company not harass us anymore. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: AL

Complaint narrative:
According to the fair credit reporting act US 15 Code 1681B permissible purpose of a consumer report A consumer reporting agency may report information only if the consumer gives written consent I have not authorized this company to report no consent is identity theft According to the FCRA Information giving to a creditor should identify the identity only of the consumer not the relationship with a creditor thats a violation of my privacy Transunion has furnished information that is indeed inaccurate I have sent numerous of letters pointing out the inaccurate incomplete reporting I was recently denied by XXXX XXXX XXXX XXXX Due to inaccurate information listed on my reports I asked for reconsideration and was still denied, I have all letters sent to all bureaus I will furnish them upon request It has been over 30 days I have received no response from XXXX, XXXX, or Transunion

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 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On or about XX/XX/21 I made an online purchase with XXXX XXXXAlthough the phones were drawn from my account with XXXX XXXX the transaction was approved Pay Pal with Pay Pal credit.The problem is I can not secure recovery of purchased items after going through XXXX  XXXX, XXXX or the US Post Service.I have already requested a refund, but Pay Pal has provided me with no assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I been reporting to XXXX, XXXX  and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is Portfolio Recovery I dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I been reporting to XXXX, Equifax and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is XXXX XXXX XXXX dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In Middle of XXXX of 2020 I had contacted American Express about putting a COVID hold on my account due I was not sure what was going on with work. When I spoke to the lady on the phone she told me that they placed a it under the COVID forgiveness for the next 6 moths and if I didn't make a payment I would not get hit on my credit. I unfortunately got hit with a 30day late on my account for XXXX. I been trying to contact and speak to them but they stating that there is nothing they can do about it. I feel like this is an error on their part. I don't have any late 's ever on any of my cards nor this account. If they would have not said not to worry about the credit reporting i would have done what I could to even make the minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have my loans through myfed loan and am participating in federal student loan forgiveness program. I have been paying my loans for 10 years. I dont believe my count is accurate. I asked for them to recount my payments 13 months ago in XX/XX/2020. I have called 7-8 times to check on the progress and the customer service says they can provide no update but it should be completed in a year. Its been over a year. When I called in XXXX to ask if I could be in contact with whoever was doing the recount, I was told no, they would send a message and have someone contact me. There has been no contact, its been over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is in violation of 15 USC 1682 by furnishing my consumer report without permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NC

Complaint narrative:
The account has already been investigated and the inaccurate account removed. I am requesting that Experian follow suit.

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 2021-02-09 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: CA

Complaint narrative:
Transunion is in violation of 15 USC 1681 by furnishing my consumer report without permissible purposes.

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 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-02-09 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: WA

Complaint narrative:
I am writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously. This issue has been taking a toll on my health and the health of my son. I'm trying to purchase a vehicle so my XXXX  son doesn't have to worry about catching XXXX. He also has a XXXX  XXXX XXXX which he has to carry with him at all times this is very overwhelming for a single mother of XXXX and all I ask is that I can be assisted in any way to help my situation.

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 2021-02-09 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: WA

Complaint narrative:
I am writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously. This issue has been taking a toll on my health and the health of my son. I'm trying to purchase a vehicle so my XXXX son doesn't have to worry about catching XXXX. He also has a XXXX XXXX XXXX which he has to carry with him at all times this is very overwhelming for a single mother of XXXX and all I ask is that I can be assisted in any way to help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
I received a letter from Messerli & Kramer PA threatening to garnish my wages based upon a default judgement that was obtained in XXXX. The judgement derived from a time barred credit card debt. I reside in the state of Wisconsin. The statue of limitation regarding a open account or credit card debt is 6 years. The debt in question became in default was in XXXX. In which at that time the balance of the debt was alittle over XXXX. Messerli and Kramer pursued legal action against me in XXXX. 2 years after the statue of limitation. I wasn't made aware of the date and time of the proceedings. It just appears that I just didn't show up. I didn't know anything about this. I wasn't given the opportunity to even dispute the validity of the debt or even the true ownership of the debt? I am not even sure XXXX XXXX or even this law office purchased this debt from the original owners. Also, Messerli and Kramer PA submitted an amount of XXXX, XXXX as the amount discharged which is absolutely incorrect. In which this law firm has misrepresented the amount of the debt. I am a XXXX XXXX XXXX senior citizen and I feel like I have been a victim of a scam. I am requesting assistance in remediating this issue. I am disputing the validity of this debt. Besides the letter I received last week, I have no other documentation. I had my daughter search the Wisconsin XXXX XXXX XXXX XXXX website in order for me to obtain any information but no documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: GA

Complaint narrative:
I have been disputing a derogatory mark on my report which has been inaccurate. When I went on XXXX XXXX for seven months it has not been resolved and the information was proven to be in accurate on Transunion. So today on XXXX my credit report dropped 28 points and all my credit card on Transunion showed 6-7 months late. I have 91 total missed payments between 13 credit cards. I have never been late on any of them. I also paid on time and most times paid 3-4 payments each month so the balance was paid in full. I contacted all my credit card companies some said they would file for me some said talk to Transunion. And Transunion never seems to resolve anything.

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 2021-02-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
According to the fair credit reporting act US 15 Code 1681B permissible purpose of a consumer report A consumer reporting agency may report information only if the consumer gives written consent I have not authorized this company to report no consent is identity theft According to the FCRA Information giving to a creditor should identify the identity only of the consumer not the relationship with a creditor thats a violation of my privacy XXXX  has furnished information that is indeed inaccurate I have sent numerous of letters pointing out the inaccurate incomplete reporting I was recently denied by XXXX XXXX XXXX XXXX Due to inaccurate information listed on my reports I asked for reconsideration and was still denied, I have all letters sent to all bureaus I will furnish them upon request It has been over 30 days I have received no response from XXXX, Equifax, or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management has been calling 2-3 times a day M-F, for the past XXXX months, even after I have told them over the phone and through email that I don't owe any debts to anyone. 

They call from multiple phone numbers : XXXX, XXXX, XXXX. These are just a few. I think in total I've counted 6 different numbers they've used.

Company response to consumer: Closed with explanation