vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
A credit alert popped up on my credit file from XXXX Credit card services XXXX weeks ago, I contacted them and they said that, the account and social security, address etc didnt match what they had. Yet today tin my XXXX XXXX account a new account was opened. I have a twin brother whom we share the same birthday late and we live next door. I keep being mistake for my twin brother his name is XXXX XXXX and I am XXXX XXXX. Under my profile it had me having a alias of XXXX XXXX thats not my alias, I have XXXX living family members that share the name XXXX XXXX. This has been very stressful trying to clear up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I have been to Chase bank for opening a checking account as I have gotten a job and it requires me to submit an account number for depositing my pay check. The banker didn't allow me to open it. I had the following documents with me to support my identity and residence address. 1. My EAD card 2. SSN 3. A lease agreement to my apartment in the name of my Husband with me and my daughter as occupants. 4. My marriage certificate 5. My foreign Passport 6. Foreign DL with foreign address 7. International DL with foreign address 8. DS 2019 I have shifted here recently and have gotten my SSN and my EAD but I don't own any document as proof of my owned residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota financial made my credit drop on a Sunday afternoon 165 pts Toyota financial claims they received a signed contract on XX/XX/2021 the account number is different from what I was given and the company was thru Toyota motor credit Corp that has a different address. He interest rates are different the amounts are different and the flash drive I was given for my copy was blank. The contract that Toyota financial sent consumer financial protection bureau on my first complaint on this was complete fraud. Saying they received signed contract on XX/XX/2021. When if you read the bottom. Of every page in fine print the contract was signed and completed on XX/XX/2021 @ XXXX. ( 14 days after they extended credit to someone I signed a contract with very different numbers ) I came to dealership pre approved with another lender and all of the numbers were different on My contract I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
In XX/XX/XXXX, I requested a review of my payments that were eligible for XXXXSLF. I work for a Public School ( 16 years and counting ) with Consolidated Loans, with 127 payments made towards them. Only 17 are eligible?? I have requested the reasons why only to be told thats all that are eligible. I requested that the payments be reviewed only to be told that it would take months to perform this recount. I was told that it would take three months, now I being told that they do not know how long the counting will take?? 

It took me 10 min to tally up my count? 

With the new Federal Rules for PSLF/TPSLF ALL of my payments should be counted. I have ALL of the necessary credentials for forgiveness, and I can not understand how I only have 17 payments being applied to my forgiveness, ALL 127 payments, NOT even counting the 20 months in Federal Forbearance, which would put my count at 147 payments?! 

I expect full loan forgiveness as a result of this review of my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been in contact with XXXXXXXX XXXX on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to XXXX again to be told that Im not due until XX/XX/2021. Then I demanded that XXXX XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting XXXX XXXX  and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. XXXX XXXX  still refuses to remove the late payments off my credit report.

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 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At the time my card info was stolen, I was in between living situations and found myself in a undesirable position of having to file a police report against a person that at the time I thought was helping me out when nobody else would. I reviewed my transaction history after about a two week period I realized some of my funds might be missing or inaccurate charges were possibly being made. On XXXX XXXX, i filed a claim dispute against several charges i did not authorize. I no longer had the card in my possession which is why i decided to file a report and open a dispute claim for the unauthorized transactions and to report my card stolen. I went over all transactions with a wells fargo claim specialist who advised me to add all transactions i did not authorize and right away noticed that a few of the unauthorized transactions were already closed and removed from my dispute before the investigation was complete. I worked with every dispute specialist i talked to and folliwed all the directions given to me to resolve my claim but in the end mt claim was closed and denied without any resolution as i never recieved my stolen funds back nor did i ever recieve the reasons why wellsfargo felt that i wasnt owed back any money that has been stolen from me. Ive contacted wells fargo several times and still have yet to actually resolve my claim and get my money back. My account is still open but only until i get reimbursed my funds. The amount in unauthorized transactions nearly amounts to {$1700.00}. Please help me figure this out losing that money has putme back quite desperate for a resolution i can agree too.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have several incorrect issues reporting in my credit reports with Equifax, XXXX and XXXX so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, US DEPT OF EDUCATION, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, and remove the late payments from XXXX XXXX XXXX and XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have several incorrect issues reporting in my credit reports with XXXX, XXXX and Experian so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION, XXXX XXXX BANKRUPTCY # XXXXXXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION, XXXX XXXX BANKRUPTCY XXXX XXXX BANKRUPTCY XXXX XXXXXXXX, and remove the late payments from XXXX XXXX XXXX  and XXXX  XXXX 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 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.
State: WA

Complaint narrative:
PNC bank took over BBVA They disabled online banking access ( bbva ) and said the login is transferred to PNCs website. But my credentials wont work there, I cant reset my password, and cant register for online banking. 

Ive called their 1888 number 3 times and waited on the phone for 30 minutes each time and it no one ever answers. 

I have no idea what my balance is or how to even make a payment now. This is really shady. 

They sent me my new credit card ( PNC ) but no statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TX

Complaint narrative:
I had a credit-builder account called self-builder it was paid on time and paid off. i closed it in XXXX, but for some reason, TransUnion is reporting it as adverse account which causes my score to drop. i call TransUnion to find out what's going on and the customer service woman I talked to couldn't give mean answer so I called self-builder and stated that my account is closed and paid and full. i always have problems with the way these credit bureaus are reporting inaccurate information 's which make it hard for me to buy a house, car or anything and seem like when i call the customer service reps are very incompetent and give me incorrect information.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX, Equifax, XXXX Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, XXXX, Experian Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am getting my free 3 annual credit reports. 
I see errors on my Equifax Report. 
Their dispute link goes to a dead page. 
And I always have issues logging in to dispute because of answered security questions that I know for a fact are being answered correctly and they say they are not. 
Me & my spouse have always had issues like this with Equifax. 
Its like they dont want you to file a dispute or even log in to your report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
AFTER FURTHER REVIEW OF MY CREDIT REPORT, I HAVE NOTICED SOME ACCOUNTS THAT I HAVE BEEN AFFILIATED WITH. I DID NOT AUTHORIZE ANY PERSONS TO USE MY INFORMATION FOR THESE ACCOUNTS AND WHAT HAS BEEN RE-REPORTED TO THE BUREAUS AND IS NOW ON MY CREDIT IS 100 % INACCURATE. PLEASE ASSIST WITH DELETING THIS ITEM EXPEDITIOUSLY AS I AM NOT THE PERSON AFFILIATED WITH THESE UNKNOWN VENDORS.

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 2021-11-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TX

Complaint narrative:
EXPERIAN IS REPORTING WRONG INFORMATION ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX IS NOT CORRECT AND TRANSWORD SYSTEM XXXX IS INCORRECT. I HAVE TRYED TO FIX THIS ISSUE WITH THEM BUT NO 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 non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
AFTER FURTHER REVIEW OF MY CREDIT REPORT, I HAVE NOTICED SOME ACCOUNTS THAT I HAVE BEEN AFFILIATED WITH. I DID NOT AUTHORIZE ANY PERSONS TO USE MY INFORMATION FOR THESE ACCOUNTS AND WHAT HAS BEEN RE-REPORTED TO THE BUREAUS AND IS NOW ON MY CREDIT IS 100 % INACCURATE. PLEASE ASSIST WITH DELETING THIS ITEM EXPEDITIOUSLY AS I AM NOT THE PERSON AFFILIATED WITH THESE UNKNOWN VENDORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
AFTER FURTHER REVIEW OF MY CREDIT REPORT, I HAVE NOTICED SOME ACCOUNTS THAT I HAVE BEEN AFFILIATED WITH. I DID NOT AUTHORIZE ANY PERSONS TO USE MY INFORMATION FOR THESE ACCOUNTS AND WHAT HAS BEEN RE-REPORTED TO THE BUREAUS AND IS NOW ON MY CREDIT IS 100 % INACCURATE. PLEASE ASSIST WITH DELETING THIS ITEM EXPEDITIOUSLY AS I AM NOT THE PERSON AFFILIATED WITH THESE UNKNOWN VENDORS.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Verisk Analytics Inc
State: NJ

Complaint narrative:
I came across a bankruptcy on my credit report that was not fully verified. I disputed on XX/XX/2021 this information to XXXX and they claimed that it was verified XX/XX/2021. I asked for a description of procedures along with the source who provided them the information. On a phone call XX/XX/2021 they refused to provide the source other than stating that the courts hired a third party to verify the Information. Before filing the dispute I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agencies or third parties and that they are unaware of how credit reporting agencies get there information. I also provided to the courts an Affidavit of facts that was notarized because I didn't authorize the release of any personal information. I then went on XXXX 's website and came across XXXX and LCI is the vendor for public records in which XXXX records. Problem is, if XXXX did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. On LCI 's website it states " XXXX, not LCI, matches bankruptcy information to the XXXX consumer credit files. '' Im trying to understand why XXXX would tell me that the court house hired the third party? How can XXXX trust this information if LCI hasn't verified this Information before selling it to XXXX? I want to make XXXX aware that they must fully understand by law that they must fully identify anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full 9 dight social security number. The FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a XXXX report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all 9 dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that XXXX should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.

Company response to consumer: Closed with explanation