vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 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: NM

Complaint narrative:
I have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved XXXX XXXX, XXXX, XXXX, and Transunion have all verified them reporting as " Accurate ''. I received a letter from XXXX XXXX on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from XXXX XXXX and my credit report showing how they are reporting false/inaccurate information to XXXX, TransUnion, and 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 2021-06-17 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: NM

Complaint narrative:
I have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved XXXX XXXX, XXXX, Equifax, and XXXX  have all verified them reporting as " Accurate ''. I received a letter from XXXX XXXX on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from XXXX XXXX and my credit report showing how they are reporting false/inaccurate information to XXXX, XXXX, and Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Collection Resources, Inc.
State: NM

Complaint narrative:
I have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved Collection Resources, XXXX, XXXX, and XXXX  have all verified them reporting as " Accurate ''. I received a letter from Collection Resources on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from Collection Resources and my credit report showing how they are reporting false/inaccurate information to XXXX, XXXX, and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: GA

Complaint narrative:
After being a direct deposit client for over 10 years, my card was blocked and I was ask to produce documents to prove that it was me. ( usually I am asked and give 4 digit code, mothers maiden name, birth date and the last transactions made to the cards ) None of this was asked instead I was ask to present documents. So on several occasions I submitted my drivers license with me holding them, my passport with me holding it, my current Tax form letter from social security showing my current address, ss number and the amount of payments. I was denied on at least 4 occasions when I did not submit my ss card which they knew I did not have because I had traveled to XXXX and have been there using the card throughout the pandemic with no real problem like this one. After I was not able to produce a ss card ( which even the ss administration says is almost outdated ), right after receiving funds from COVID RELIEF The company ( NETSPEND ACE ) closed my account leaving me stranded in XXXX without any means of funding myself. ( I do not earn funds nor can I work in XXXX until I am approved by immigration ) My Debit Card and the ATM is my only source as I am a XXXX year old ss recipient.

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 2021-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
today I submitted disputes to EXPERIAN ONLINE FOR ACCOUNTS THAT HAVE BEEN REAGED, A VIOLATION OF FCRA. 
EXPERIAN WOULD NOT ACCEPT THE DISPUTES AS THEY HAVE BEEN INVESTIGATED BEFORE.THEY OFFERED TO ACCEPT UPLOADED INFORMATION TO SUPPORT THE DISPUTES ... THEN AFTER INPUTTING EVERYTHING AT GREAT TIME EXPENSE THEY SAID UPLOAD IS NOT AVAILABLE ... YOU CAN SEND BY MAIL. 
I HAVE DOCUMENTED EVERYTHING AND INCLUDED A COMPLETE 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 2021-06-17 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I've sent multiple letters to XXXX in regards to 4 negative items that are listed on my credit report, and they have completely disregarded any of my letters by stating that the information was verified. I have sent my dispute letters, priority mail express, notarized, certified mail with return receipts, which I have attached along with copies of my request. They keep replying back that they verified these items, but still have yet to provide any evidence or documentation of their investigation. 

First dispute letter sent : XX/XX/XXXX Second dispute letter sent : XX/XX/XXXX Third dispute letter sent : XX/XX/XXXX ( under investigation ) XXXX I have even tried contacting 2 of the collection / credit card companies asking them to validate my debts. XXXX & Wells Fargo both sent me letters back stating they weren't able to complete my request because it didn't have enough information or matched their records. They both asked me to sign and send back their letter with information to verify my identity along with my ( highlighted ) credit reports and social security number. Which I had already did when I first sent my debt validation letters to these companies. Which were notarized by the bank proving my identity to begin with. The first debt validation letters were sent XX/XX/XXXX to Wells Fargo & XX/XX/XXXX to XXXX which I have attached their responses along with delivery signature confirmations for both companies signing. 

I've sent my original letters back on XX/XX/XXXX again with my social security, copy of disputed highlighted items to Wells Fargo & XXXX which is pending investigation due to their stalling. 

The company that is my account is XXXX XXXX which I've sent XXXX a copy of my XXXX results that clearly shows my account is current, paying as agreed, on time, no late payments or repossession. I've uploaded a copy of the results that I have received from XXXX, yet XXXX is saying they verified and updated the item. 

These items are negatively affecting my ability to obtain new credit and as well a home mortgage, I am not able to enjoy the benefits of great interest rates due this erroneous reporting. I hope that XXXX  will delete these inaccurate items and send me updated reports for my credit.

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 2021-06-17 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I've sent multiple letters to XXXX in regards to 4 negative items that are listed on my credit report, and they have completely disregarded any of my letters by stating that the information was verified. I have sent my dispute letters, priority mail express, notarized, certified mail with return receipts, which I have attached along with copies of my request. They keep replying back that they verified these items, but still have yet to provide any evidence or documentation of their investigation. 

First dispute letter sent : XX/XX/XXXX Second dispute letter sent : XX/XX/XXXX Third dispute letter sent : XX/XX/XXXX ( under investigation ) XXXX I have even tried contacting 2 of the collection / credit card companies asking them to validate my debts. JPMCB & XXXX XXXX both sent me letters back stating they weren't able to complete my request because it didn't have enough information or matched their records. They both asked me to sign and send back their letter with information to verify my identity along with my ( highlighted ) credit reports and social security number. Which I had already did when I first sent my debt validation letters to these companies. Which were notarized by the bank proving my identity to begin with. The first debt validation letters were sent XX/XX/XXXX to XXXX XXXX & XX/XX/XXXX to JPMCB which I have attached their responses along with delivery signature confirmations for both companies signing. 

I've sent my original letters back on XX/XX/XXXX again with my social security, copy of disputed highlighted items to XXXX XXXX & JPMCB which is pending investigation due to their stalling. 

The company that is my account is XXXX XXXX which I've sent XXXX a copy of my XXXX results that clearly shows my account is current, paying as agreed, on time, no late payments or repossession. I've uploaded a copy of the results that I have received from XXXX, yet XXXX is saying they verified and updated the item. 

These items are negatively affecting my ability to obtain new credit and as well a home mortgage, I am not able to enjoy the benefits of great interest rates due this erroneous reporting. I hope that XXXX will delete these inaccurate items and send me updated reports for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed this account numerous times. I have filed ftc reports and this item is still reporting on my credit report. This company has never validated this debt. This debt is not mines. They have never provided me with written proof with my signature on the original contract to validate this debt. They are in violation of 15 USC 1692gSec.809 ( b ). This company is also in violation of FDCPA sec 807 misleading and false reporting. This company continues to report inaccurate and false information which is ruining my life. I am in the process of getting a home and this item on my credit report is affecting me. It is false information and I will seek litigation if it removed immediately.

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 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was contacted by a person online named XXXX XXXX. We met on a dating app and began talking and texting. He told me that he was from XXXX, Texas and sent me a lot of information verifying who he was. A few weeks into our conversations, he said he had to make a business trip to XXXX. He said he was an chemical engineer and had to complete a month long project. XXXX planned to visit me on his return. While there, he ran into problems and asked for my help. He then said he was stuck there and needed me to send money. He promised the money would be returned to me within a few days because he would be paid once the contract was completed. XXXX convinced me that he was independent contractor, unsupported in XXXX, and had no options. Each time that I sent money, a new problem seemed to arise. This continued until I stopped sending money but he continued to plead with me, saying that he couldn't send the prior money back until more money was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: SLM CORPORATION
State: AL

Complaint narrative:
Hello I signed up for a new program with Salllie Mae bc I couldnt afford the expensive monthly payments. They lowered it. Ive paid two out of the 3 months of the probation period. XXXX XXXX & XXXX XXXX They said my loan stays in delinquency until after the 3rd month. I didnt understand this meant they would keep reporting to it to my credit. So they have reported 6 individual loans 2 times to my credit worsening my credit score dramatically when I have paid these past 2 months. ( In the past they have refused to consolidate my loans. ) So I couldnt have prevented this hit to my credit. They said this is federal regulations. This is literally setting people up to fail. ALSO this whole time Sallie Mae is collecting crazy interested on my account because this program doesnt lower my interest rate until after the 3rd month. Basically making it so I dont make any dent in my loans during this two year lower monthly payment program. None of this repayment program is showing live on my Sallie Mae account. I have received one letter about my Payment plan. I only verbally agreed to this payment plan on the phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record  and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN 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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
They have been calling my mother, who I don't even live with. They said they will garnish my wages by 25 % and seize all assets. This is from a credit card in 2001, so it is 20 years later that I didn't even remember. File number is XXXX and the account number is XXXX. The amount is {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
On XX/XX/2021 I closed and funded after selling my home. 
After 6 weeks I still did not have my escrow money back. 
I E-mailed United wholesale mortgage severs times about this with no response. 
I called twice they said that they had 20 days to mail it I agreed and said your received the pay off on XX/XX/XXXX and its XX/XX/XXXX?? 
They said they would get to it however I still have not seen this check! 
I believe the law is they have 20 days to refund my escrow why do they get to keep over XXXX dollars of my $ $

Company response to consumer: Closed with explanation