vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the " sole borrower '' of the student loans for my children 's XXXX colleges, for the amount of ~ {$130000.00}, which has been " approved '' for discharged on XX/XX/2020, due to my XXXX-XXXX, by the Department of Education DOE. 

In addition, my children were the " borrowers '' of an additional ~ {$100000.00}, for their XXXX colleges. I was their " co-signer '' Their XXXX student loans are being deferred on a year-by-year basis, until they complete their XXXX schools. They will be completing their XXXX degrees in 2 years. 

DOE informed me that it could yet approve the discharge that portion of the student loans, for I am the " co-signer '', not the " borrower ''. Unless, my children can not repay back their XXXX student loans, upon completing their XXXX  degrees, ( XXXX pursuing to be a XXXX  '', XXXX pursuing to be a XXXX XXXX ). 

Today, my children 's XXXX student loans require no payments. In the next 2 years, my children 's XXXX student loans require no payments. In my opinion, when my children complete their XXXX  degrees, they will be able to repay their XXXX student loans payments Only in the events that my children can not repayment their student loans after 2 years, then, as a " co-signer '', I shall assume that liability of their XXXX student loans. 

DOE informed me that I am eligible for approval for their XXXX-XXXX, for then, I become the " sole borrower '', thus eligible-by-similarity for prior student loans discharge for " XXXX-XXXX Today, Chase is using that against me, calculating that payments, into my application for " home refinance '', thus disqualify me for lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America send me a letter said current or past delinquency, derogatory public records or collections account, current or past delinquency with one or more of my creditors, Im all way paid my credit card, car loan, student loan on Times. I cant understand why my credit going down for any reason please help thanks

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 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Assistance Inc
State: CA

Complaint narrative:
Debt was orginally with XXXX included in my Bk file XX/XX/XXXX. XX/XX/XXXX collection agency put on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX. is billing of a debt that I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: NJ

Complaint narrative:
Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reported XXXX  XXXX XXXX account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. However Experian failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. 



This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. 

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 

Account # 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 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Called my phone repeatedly, and right after called my MOTHERS PERSONAL CELL PHONE. And my ex boyfriends PERSONAL CELL PHONE. They were both right next to me and It was the exact same number calling and neither one of them are my spouse. UNFAIR ACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Called my phone repeatedly, and right after called my MOTHERS PERSONAL CELL PHONE. And my ex boyfriends PERSONAL CELL PHONE. They were both right next to me and It was the exact same number calling and neither one of them are my spouse. UNFAIR ACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone had tried opening a credit card with multiple banks in my name. I contacted Capital One to which they said they will do an investigation. An investigation concluded and a letter was send. The letter said ( paraphrasing here ) that the attempt to open up the credit card was fraudulent and that they would inform all 3 credit bureaus. The letter I received is in the ATTACHED document section. 

Unfortunately, XXXX  has told me that they never received anything from Capital one and that they would need an electronic message sent over to them in order for XXXX  to remove the inquiry off of my account. Around 3 and a half weeks ago or so I sent a letter to Capital One, asking them to ELECTRONICALLY resend the original letter that was sent over to me in XXXX to XXXX. I have not received anything yet from Capital One confirming that they have sent anything out or that they even received my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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:
Experian is in violation of section 605N of the Fair credit reporting act. I have submitted my documents

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 2020-06-27 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: TX

Complaint narrative:
Transunion is in violation of XXXX of the credit reporting act. i've submitted my ID Theft weeks ago and they have not blocked the items on 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 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/2020 My Deposit account received a electronic deposit for the amount of {$610000.00}, at which time, the financial institution refused to release this deposit, they availability of these said funds were delayed numerous times, each following a different explanation as to how this is part of the policy and follows in accordance with the account agreement that I signed and agreed to when I opened and funded the account, after numerous failed attempts to resolve the delayed accessibility issue, I reached out to the Executive Corporate Management Office, at which time I expressed my concerns as a consumer on how I felt that my funds were being withheld and improperly managed, this led to XXXX escalating the complaint and followed up in regards to this matter 17 calendar days after which it was filled. 

On XX/XX/2020, I requested a cashiers payment check be sent to me via mail, as I am not within close approximately to a physical branch. The Associate I spoke with via the customer service hotline, assured me that the check was ordered and I should expect to receive it, at the same address as to my other account related documents are sent, within 2-3 business days. I waited 7 Business days and attempted to gather a conclusion or statement as to where this payment may be, at which point I was Misrouted, given incorrect information and told there was nothing further they could do to assist me with this matter, as of XX/XX/2020 I still await for this said payment, There are no options or other course of action as I was previously advised that, once I receive the payment I can then bring it to a branch where it would be destroyed and my deposit account would thereafter be credited to the amount of payment. 


On XX/XX/2020 I received information from a vendor stating that the financial institution where my assets are held, divulged incorrect, defaming information that resulted in the vendor declining any further transaction. Not only did this institution slander against my credibility, details that have no meaning or bearing to my credibility and or characterizes were falsely disclosed in a deceiving manner.

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 2020-06-27 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-06-27 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
signed up for transunion thinking it was a free credit report. 

they ask for personal information like name date of birth ect. 

when i got to the bottom it asked for my credir card info. 
i was timed at first to put it in and then i XXXX why does transunion want my credit card it stated it was for further verification on my personal info like if the adress was matching ro my and so forth so i entered my card number. then i got to checking my account to see if my previous activity i made on XXXX went through and XXXX sure enough i was charged {$26.00} from transunion!!!!!!!!!. i tried calling both them and my bank but being XXXX. no one is open at the moment but i plan to call my bank first thing and stop that XXXX payment. 

these people are a rip off and scam artist. and these people need to be stopped!!! 

during covid-19 of all times. my imcome is limited and yes i just ordered off XXXX. but i purchased tires and head light bulbs for my highlander so i can see at night and not blow a tire with a XXXX in my car. i make decent decisions with my finances and being on unemployment at the moment that {$26.00} they STOLE from me could have went to diapers or wipes or any countless other things. im glad i caught it off the get go and cancled the " subscription '' that i never even agreed to immediately. 

stop these XXXX crooks this happened on 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 monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have disputed this debit for {$800.00} from XXXX XXXX or credit management lp via certified mail Several times. I never opened the account I was told the account was made in Nevada which I have never lived. The company will not provide and documents to prove I opened this account. I have not been provided anything to accurately dispute the fraudulent account. They keep saying the debt has been verified when I know I did not open this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
When updating my credit reports, I noted a collection from IC Systems for a XXXX debt. I have not had a XXXX account for at least four years.

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 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I have two separate banks one is PNC and the other is XXXX I use PNC for bill paying and normal deposits. I use XXXX for my work as an XXXX XXXX. I was trying to link my PNC account to it that way I could transfer money between the two and cit out some of the extra fees, I was also trying to create an account with XXXX the stock buying app. PNC would not allow the linked accounts. XXXX gave a message to contact the CFPB however I contacted PNC first to see of they could help. It was through there app not the phone. The person said it was not there problem I told them what was going on and the message that XXXX gave me. They said they don't know what to tell me and they have never heard of the CFPB. Then they ended the message. Unlike other times when I messaged them for something these messages were deleted after the call ended. My previous messages are still up as well as the survey I took after this incident. I should be able to transfer money from my own account when I want to. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: AL

Complaint narrative:
On XXXX XXXX my personal information was used to purchase a vehicle without my permission. I have made several attempts to dispute this matter with the three major credit bureau, XXXX and XXXX has assisted me in correcting this issues. Experian on the other hand has refused to assist me with this issues. The person who use my information without my permission have written and signed a statement admitting using my information to obtain a loan with 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 2020-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This complaint is in regards to a late payment that was reported by Wells Fargo Dealer Services onto my three credit reports. The late payment was reported XXXX of XXXX. However I want to note that my car that I had financed through them XXXX XXXX XXXX was traded in during the month XXXX and also made a payment on the account the day before I traded it in. So I know I wasn't 30 days late on the payment for XXXX. Wells Fargo even sent me an overpayment check a few months later in the amount of my last payment.

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 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On the XXXX XXXX, when transferring XXXX $ to XXXX on TransferWise, it will be XXXX until it's finished, after waiting until today, My account has been deactivated. site signs of appropriating money, my account was deactivated by no reason. TransferWise don't send any email about the completion then blocked my account for no reason. 
Please give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. 

The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 

2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 

3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. 

There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: ERC
State: VA

Complaint narrative:
I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with explanation