vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XX/XX/2018, I applied for a Total and Permanent Discharge due to being XXXX  XXXX. I returned my completed form and Nelnet ( the Federal Student Loan Servicer ) wrote me on XX/XX/2018 to inform me that my physician did not complete Question # 4 on the XXXX form. My physician completed Question # 4 and signed the form as requested on XX/XX/2018. On XX/XX/2018, I emailed the form back to Nelnet. Around XX/XX/2018, I received another written letter from Nelnet informing me that it had not received the updated information from my physician, which is untrue. I called Nelnet on or around XX/XX/2018 and spoke to a female representative who confirmed that my completed and updated form had been received but could not tell me the status of my account. I asked for my call to be escalated to a supervisor and spoke with XXXX. He informed me that all required information had been submitted and that he would escalated my case for a decision and call me back on Friday on XX/XX/2018. I never heard from XXXX. It is impossible to reach anyone at Nelnet who can give me an honest and reliable answer as to the status of my account. No one is able to explain why Nelnet keeps asking for information that it already has and why there has been a delay in processing my paperwork for the Student Loan Discharge to which I am eligible due to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: Penn Credit Corporation
State: NV

Complaint narrative:
Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute. FDCPA PENN CREDIT Reported on XX/XX/XXXX Original Creditor Name XXXX PP L {$1700.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX   Result : Verified As Accurate and Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From XXXX : XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
When contacting XXXX, provide your current file number : XXXX. Mail : XXXX  XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$1700.00}, {$39.00}, {$3000.00} & {$34.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted  from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$34.00}, {$460.00}, {$310.00}, {$30.00} & {$55.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 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: Profit Services Group
State: GA

Complaint narrative:
Profit Services Group {$34.00}, {$460.00}, {$310.00}, {$30.00} & {$55.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  {$300.00} & XXXX XXXX {$220.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: AmeriCollect
State: GA

Complaint narrative:
XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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
State: CA

Complaint narrative:
This is in regards to my account under " XXXX '' on XXXX. In early XX/XX/2018, Paypal placed a limitation on my account and asked for a proof of identity in order to resolve the limitation. I submitted a copy of my Driver 's License which was an approved form of proof of identity soon thereafter. The status of the issue was " Submitted for Review. '' I called Paypal and waited 20 minutes to speak with a representative who assured me the case will be reviewed within " 48 hours '' of our conversation. That was near XX/XX/XXXX. There was no progress on this issue on Paypal 's behalf. Immediately after XX/XX/XXXX, another notification, an exact copy of the original notification, shows the status as " Submitted for Review ''. This issue has prevented me from withdrawing my funds in the amount of " {$1200.00} USD. '' Paypal has not reviewed my submitted documents for over a month, and there is no end in sight as I was directly lied to by the associate over the phone meaning nothing Paypal tells me is reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recieveing payments I believe someone got my information I get XXXX SSI and I have part-time job I believe someone got my information but not even that they have my email 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 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was originally deleted from my credit report in XX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.

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 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was originally deleted from my credit report in XX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.

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 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: CA

Complaint narrative:
This account was originally deleted from my credit report inXX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was originally deleted from my credit report in XX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This account was originally deleted from my credit report in XX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.

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 2018-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Bank Institution is charging me overdraft and non-sufficient funds fees ; I have paid Regions Bank Monies with regards to the personal line of Credit to bring that Account to XXXX Monies owed. 

Regions Bank unlawful practices are unfortunate. This will be the second unlawful fees reporting I have from filed. 

I have documented files to upload ;

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 2018-12-31 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.

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 2018-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
3rd Complaint regarding this matter! 
On XX/XX/18, I had my bank send a wire transfer to The XXXX XXXX, XXXX, TX, at the request of a friend of mine. She gave me the account number of a person she knew at the business who was to handle the transfer for her since she would be out of the country when the wire was transferred. The person whose account the transfer went to, is holding the funds in the XXXX XXXX account, and will not release it. He has held it for over 3 months. It is {$53000.00}. I am the owner of these funds, not the person at The XXXX XXXX. Chase Bank has investigated twice at your request, but say they can't release the money to me unless my bank issues a recall. My bank has issued numerous complaints, but Chase never releases my funds. This is a huge amount of money, and it belongs to me. Chase needs to release the funds when my bank issues a recall, yet they never do. The person at the XXXX XXXX is holding funds that he knows does not belong to him. Chase needs to release my funds me to resolve this matter. They need to have SOMEONE who can release my funds to do so. This is going into a new year now, and I am still out my funds. I no longer want the friend who told me where to wire the money to receive the funds. Please if Chase can not release the money to me being fully aware of the situation, how do you suggest I move my complaint further? I am not satisfied with their lack of interest in solving my problem with them. All they have told me to do is have my bank issue a recall. My bank is hesitant to continue issuing recalls when nothing is done by Chase to solve this problem. The person holding the funds is being fraudulent because he knows he is not the intended recipient. Chase case # XXXX. Beneficiary account # XXXX XXXX The XXXX  XXXXl XXXX XXXX XXXX XXXX, XXXX TX XXXX Should be refunded to : XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.

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