vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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: TX

Complaint narrative:
I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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:
I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent 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 explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX To whom it may concern : I would like to file a complaint against Bank of America, almost 2 years ago, I had, had a credit card account with them. I am XXXX, and in early XXXX I ran into a period where my illnesses were at a very low point. 

The balance that Bank of America is reporting to the credit bureaus regarding said account, I did not charge up. This balance was ran up by the bank with excessive usury charges and fees. 

The status dates that they are reporting to the credit bureaus, are inaccurate, in XXXX of XXXX, I had, had no dealings with them. 

Bank of America is intentionally placing false status dates onto my credit files, so as to further ruin my credit, and to re-age this debt, making it seem that the debt is from XXXX, and that is not true. 

They are placing 120 day delinquencies onto my credit files for, XX/XX/XXXX, as well as XX/XX/XXXX, when I had no dealings with them even earlier than the XX/XX/XXXX payment date that they are reporting. 

They want the account to look as though in XXXX, I was having dealings with them, and that is false information. 

I do not owe the {$770.00} balance that the bank is slandering my credit files with. As stated, that balance was ran up by the excessive charges, and fees that the bank has placed onto that account. 

Last year there were many phone calls that were made to my cell phone by a debt collector that did not verify this debt, prior to constantly calling and harassing me. 
I did not know why this person kept calling me, I later found out on my own, who they were after I had complained, and I learned that they were calling regarding this credit card account.

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 2021-02-05 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: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
I never had a drivers license I can not even get behind the wheel I have XXXX  XXXX  I have a problem with XXXX  and XXXX  I am on able to drive a car permanently I got a police report I did a fraud report I am not got a resolution yet and its been since 2019 when I found out about the fraud with Santander consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have reached out to TransUnion several time in efforts of having the incorrect information removed from my credit report. Unfortunately, the customer service agent I was connect with would not help and take care of the negative inquiries reporting to your credit report. After informing them that I was a VICTIM of their inquiry issue. 
I have listed the inquiries below : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX I Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/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 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a online transfer from my Chase checking account to my XXXX  XXXX XXXX checking account on XXXX XX/XX/2021, the amount is {$5000.00}. I used the transfer type is Chase 's " real time '' transfer. On Chase website, Chase comment " Limited to {$5000.00} per transfer ; Future-dated transfer are coming soon ; ... '' and " The money will usually be available in your external account a few moments after you send it ''. After over 20hours, this transfer did not complete! I checked my Chase account, this transfer was still " pending '' .This is not the first time I did the transfer from Chase account to my XXXX  account, the account No. is right. I do not know what happened, but I know this is not same as Chase said " the money will be available ... a few moments '' and this is not " real time '' transfer! 


Thank you for your attention and time Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank never applyed the promised credit to my account before closing it and written off as a charge off. 
Charge me fees and never issue my money. I dont owe them any money and also reported to 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 non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Several letters were submitted, with FTC Identity theft report attached. 
Police report filed calls made to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CA

Complaint narrative:
On XXXX at XXXX and XXXX Pacific time ; I was on a two way conversation with XXXX XXXX executive officer mister XXXX ; to resolve my Consumer protection complaint/credit dispute regarding the incorrect information placed on my credit report. I asked mister XXXX where did the balance from because, Prior to moving the city government disbursed approximately four different payments to XXXX XXXX. 
Mister XXXX stated I have not paid the bill in approximately four years and that is why the balance is so high. I replied, that is untrue sir .... For the record, the incorrect balance reflecting is {$6000.00} The account number in question was XXXX and the service address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. To make a long story short ... .. 

Mr. XXXX stated on a recorded conversation ( which I have saved in my email ) that if I can prove one payment he will RIGHT the WRONG and remove it from my credit report. I begun digging deep into my archived paperwork, and was blessed to find a payment the government made of approximately {$400.00} dollar..

And a running balance sheet which also showed many payments. XXXX  XXXX  have been doctoring and fraudulently creating running balance statements and bills which have never been sent to us customers. Moreover, mr. XXXX reneged, and went against his word.

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 2021-02-05 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: CA

Complaint narrative:
On XXXX at XXXX and XXXX Pacific time XXXX I was on a two way conversation with XXXX XXXX executive officer mister XXXX ; to resolve my Consumer protection complaint/credit dispute regarding the incorrect information placed on my credit report. I asked mister XXXX where did the balance from because, Prior to moving the city government disbursed approximately four different payments to XXXX XXXX. 
Mister XXXX stated I have not paid the bill in approximately four years and that is why the balance is so high. I replied, that is untrue sir .... For the record, the incorrect balance reflecting is {$6000.00} The account number in question was XXXX and the service address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. To make a long story short ... .. 

Mr. XXXX stated on a recorded conversation ( which I have saved in my email ) that if I can prove one payment he will RIGHT the WRONG and remove it from my credit report. I begun digging deep into my archived paperwork, and was blessed to find a payment the government made of approximately {$400.00} dollar.. 
And a running balance sheet which also showed many payments. XXXX  XXXX  have been doctoring and fraudulently creating running balance statements and bills which have never been sent to us customers. Moreover, mr. XXXX reneged, and went against his word.

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 2021-02-05 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SPOKEN WITH SEVERAL REPS ALERTED NFCU THEFT BEGAN DISPUTED CHARGES FTC LETTERS SUBMITTED POLICE REPORTS FILED XXXX REPORTS SUBMITTED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XX/XX/2017 Enrolled into a school program. XXXX  XXXX XXXX .The student council signed me up for loans I didnt agree on. Once i learned about it I stopped attending altogether believing that would stop the loan however they continue to collect on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
hello, the problem is with Paypal i was seller on it after 2 months i got limited and receive message told me to wait 180 days before i can withdraw my money XXXX USD, but before the period given by paypal XX/XX/XXXX transferred the fund to him self on XXXX XX/XX/XXXX, my funds now XXXX without any notification or email when he did that. 
check the captures & the trensfer doument.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AES/PHEAA
State: FL

Complaint narrative:
The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.

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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: OH

Complaint narrative:
Recieved letter from Capstone Credit & Collections, LLC XX/XX/XXXX stating a client of theirs, XXXX XXXX XXXX XXXX XXXX, has extended me a settlement offer on a debt placed in collection with their office. Immediately took action to review my credit reports in search of said collection, as i had no such contract with referenced creditor and letter was addressed to me with different last name. To my disbelief, this collection has been on my credit since XXXX in the amount of XXXX for a debt i had not incurred. In immediately trying to dispute the inaccuracy with all reporting credit bureaus, all had come back with a decision that it met all Fair Reporting Act requirements and was to remain on my credit. I then turned to research said creditor to obtain any documents or proof that collection exists. What I have found out is that XXXX XXXX XXXX XXXX XXXX doesn't exist. 
XXXX XXXX XXXX which consists of two adjacent communities that were previously known as XXXX XXXX and XXXX XXXX XXXX  sold to XXXX XXXX  XXXX XXXX in a deal that closed XXXX XXXX, XXXX. The seller was a partnership of Tampa-based XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, and that the current owners/management company, XXXX XXXX XXXX  XXXX, has no knowledge or records of my supposed debt and can not find my name anywhere in the system. Needless to say I am beyond angry at this point, and proceed to contact Capstone Credit & Collections, LLC to rectify the innacuracy they are reporting. XXXX XXXX proceeds to tell me that i am in collections for an eviction per the records of the county and that its perfectly legal to continue with trying collect on said debt, as well as reporting with the credit bureaus and hangs up on me. I HAVE GOTTEN NOWHERE FURTHER WITH RECTIFYING THE SITUATION OR DELETING INACCURACY ON MY CRESIT AS XXXX KNOWS I HAVE TRIED EVERYTHING AND ANYTHING POSSIBLE TO CLEAR THIS UP. Please advise me of the next possible step in trying to clear this issue as your agency is designated to handle such affairs. THANK YOU AND HAVE A WONDERFUL DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account has ben permanently limited and close for no reason so I can't access my funds and withdraw it. I'm sure that I provide all documents needed. I was thinking that there's a mistake in their jobs.I 'm urgently need my money because of my medical porposes. I hope you will help me. My email intended into my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: AL

Complaint narrative:
Ok, so my sister created my username and password for me and that was fine with me! Then sometime, a good while before XXXX ( I don't remember the dates and can not look as they have me totally blocked from all account access ), I was just browsing my account and switching my personal information to the accurate contact info, and then all of a sudden my card and account are completely locked, blocked, frozen, however it is whenever you can't even log in! So I called customer service and they were asking me what my previous username and email and phone and stuff were so I told them. To the best of my abilities, not knowing that it was going to be wrong. So I immediately call and I tell my sister what had just happened and when she told me what she provided to them for my personal information, it's the exact same things I verified with the fraud management department! So at this point, they tell me I have to submit proof of identification and social and birth certificate. So I send them what they ask for and then they tell me that I did not pass their identify verification process and that I have to call the SSA, go through what they called a XXXX  process, have SSA fax them the results, and then I should gain back my account access. After speaking with the SSA I learn that they do not and will not fax anything on behalf of anyone. I'm really lost in figuring out what to do about this. Please help me out! Thank you! 

P.S. XXXX  forgot to mention that there are also over {$5000.00} in unemployment benefits accrued too, or should be anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Coinbase took {$50.00} from my bank and i bought {$50.00} in crypto. Coinbase had issues receiving the money from my bank, but ultimately ended receiving payment. Coinbase took my {$50.00} from my bank, and Coinbase took my {$50.00} in crypto, leaving me without either one after i paid for it. There is no Customer service agent for me to talk to on the phone or through live chat. They do not respond to emails, and there is nothing i can do, Coinbase stole my money and my crypto, and there is no customer service department to report it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX, I received an alert from the credit bureaus that AssetCarellc flagged my account as collections. I have continually requested for this company to verify the debt to which they never have via mail in 2020. They would remove it then months later it would reappear. I'm disputing due to the fact that the hospital acknowledged that the charges were incorrect and processed my insurance XXXX XXXX XXXX. However a collection agency is trying to collect on an already paid account. I then dispute it with XXXX  requesting a detailed outline of billing to which they neglected to provide. They just updated the account within 36 hours with no proof or verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 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: FL

Complaint narrative:
The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.

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 2021-02-05 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
While checking my three bureau credit reports through XXXX ; I've noticed a few inquiries and accounts on my credit report that I did not authorize. 

Accounts : Santander Consumer U - acct # XXXX - Date opened:XX/XX/XXXX XXXX XXXX- acct XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX- acct # XXXX Date opened : XX/XX/XXXX XXXX- acct # XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX acct # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXr XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE SENT 609 LETTERS AND A DEMAND TO COMPLY TO ALL THREE AND THEY HAVE NOT RESPONSE. THE ITEMS YET

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