vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is the second time in the last two years where Chase actually offered me to open a checking account. I accepted their offer, after setting up my paycheck to go into this account etc. I get a letter without any explanation, that Chase decided to end their relationship with me. Chase decided to close my account. 
If there is any reason that makes sense for an account closure I am more than willing to accept that. However for Chase to arbitrarily and discriminately close accounts of any legal US citizen that has a clean record and a XXXX  credit score of 825+ does not sit well with me. It should not be acceptable to the US government either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XX/XX/2021 I sent a letter to Firstmark Services LLC requested a debt validation letter according to the FCRA and the FDCPA, They sent me back a correspondence on XX/XX/2021 saying they would review my request and the respond said that I made a payment on the loan but they didn't provide any other evidence or promissory or signature or anything. I sent another request on XXXX XXXX requesting documentation and contract obligating me to pay the company, again I didn't receive the information I requested. I received an email saying that I received a promissory note on XX/XX/2021, which I didn't They also sent me about much the loan is but no proof. On XXXX XX/XX/2021, I sent a letter again stating this is my last and final time requesting debt validation on I will have to pursue with the courts and now I am waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Well I got on the forbearance program about a year ago with the hopes of getting a reduced mortgage payment when done it's says pay what you can when you can I started.paying my mortgage back in XXXX but I was like XXXX short on escrow so they applied my money to that so now it looks like I haven't paid mortgage in a year also my payment when I bought the house was XXXX and went all the up to XXXX XXXX so I'm single XXXX kid and alot of bills I wanted it lower payment because XXXX dint loose my job that was the reason but now there offing me a lower interest, and a payment of XXXX for 3 month trial then after that my payment goes back up to XXXX and the want to modify my loan to a 40 year loan I only owe XXXX XXXX on my house I put down XXXX so not only does my house look like it's gon na be avaible on line but showes how much profit a person could make I thought I was going to be able to push.the missed payment to the back of the loan but my credit isn't as good as it was.and all these factors came about but dint say at the end it's gon na cost you big time my loan was only 30 years in the first place I've been here for 8 and they want me to modify for 40 years with a hiring payment then when I bought the house this is at wells Fargo Bank I originally bought my house threw XXXX bank my bank but Wells Fargo bought my loan from them and im not happy with them at all I belive there crooks I just don't see myself doing what there offering so I haven't awnserd them because I'm not happy wich is not good but I don't no how to go about the payments I've missed and I feel like this is my only option and they no that and are using it to there advantage another thing is every year for past few years my escrow is always short wich then causes my payment to go up so even if I took the deal next year or this year I belive I'm still short so then my payment will go up agian next year and then I really can't afford it not by myself I just wanted to reduce my payment but they handed me down person to person and wouldn't tell me how much Equity I had in my house because it s probly enough to pay it off not to mention the updates I have put into the house central air sliding patio doors all wood inside new floors tile ect... you name a privacy fence all the way around put a spot for 3 cars out back did all the land scapping and I got the stuff to.put on a new roof I really don't want to modify my loan for 40 years my house won't be paid off tell XXXX was supposed to be XXXX I mean 20 more years plus taken 8 from me for a lil XXXX dollars I owe last it was XXXX or so crap I willing to do al.ost anything but that please help me if you can either expose Wells Fargo for there unethical mortgage crap or help me with paying them back so.i can remain I my house/ XXXX U

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 2021-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2021-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Veros credit harasses me for only being a few days late. Due to the fact that im struggling to find a job. I believe in XXXX. Because they couldnt get ahold of me. They blocked my account, so i couldn't pay online, also they threatened me saying my XXXX was going to be turned over to the dealership. For only being 1 month late. and the reason they couldn't reach me is because i changed my number. But instead of calling my wife phone, that they have on file. They started calling and harassing our references. Yes i agree that its my fault for forgetting to update my phone number. But it is their fault on why they couldnt reach me. Because they did not call my wife number that is on file. Instead, they harassed my references.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a text message from a phone number XXXX claiming a {$1400.00} transfer could not be completed through my Wells Fargo account. This is not in the slightest bit correct as I do not have a Wells Fargo account anymore. It sent a link http : XXXX. I opened it and it asked me if a was a robot and when I clicked no it directed me to a Wells Fargo login and when I clicked on dont remember password/username it remained at this page and didnt take me anywhere else. This is very suspicious and would like to work towards a resolution.

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 2021-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
I took out a loan with Mr Money four years ago and they are trying to sue me in court I contacted them to let them know my situation, due to Covid, and now they are mailing harassing letters stating s judge issued a warrant for me and I need to pay them directly plus court fees and interest and they will make my warrant go away. They legally arent able to make a warrant go away for one for two I did a warrant search and there is no warrant issued. So I feel very threatened and that they are using issuing a warrant as intimidation when they dont have the right to even issue a warrant nor take it away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: AL

Complaint narrative:
I am submitting this complaint on behalf of myself and not a third party. I XXXX XXXX XXXX am a vicitim of identity theft and I have submitted the documents as request to have these fraudulent accounts blocked and deleted according to the information I read when I filed a report on the Federal Trade Commission site. I read that once I have made the consumer reporting agencies aware of these fraud accounts they would be blocked and deleted within 4 business days well it has been more than 40days and they are still reporting these fraudelent accounts. I an a XXXX  XXXX XXXX and I suffer from XXXX and I don't need nor can I handle anymore XXXX XXXX and this is causing way too much for no reason. If people would just do their jobs and follow the Federal Law I would not be submitting yet another compliant. Is not my fault that my information was exposed in the Equifax and XXXX data breach. I did as they asked me too and now I'm the one who has to suffer, how is that fair to me? If this is not taken care of I will seek legal action because truthful speaking these consumer reporting agencies are in violation of all kinds of laws but I will save that for a later time. For now I need these fraudulent accounts deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Hello, I got an email today on XX/XX/2021 stating there was debt that needed to be collected ; total of {$710.00} and from Dynamic Recovery Solutions , LLC. The original creditor is XXXX and current creditor is XXXX XXXX XXXX. I have never used XXXX or XXXX funding and I find it odd that the email is dated on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Loan Science, LLC
State: IL

Complaint narrative:
XX/XX/2021 I sent a letter to XXXX XXXX XXXX requested a debt validation letter according to the FCRA and the FDCPA, They sent me back a correspondence on XX/XX/2021 saying they would review my request and the respond said that I made a payment on the loan but they didn't provide any other evidence or promissory or signature or anything. I sent another request on XX/XX/2021 requesting documentation and contract obligating me to pay the company, again I didn't receive the information I requested. I received an email saying that I received a promissory note on XX/XX/2021, which I didn't They also sent me about much the loan is but no proof. On XXXX XX/XX/2021, I sent a letter again stating this is my last and final time requesting debt validation on I will have to pursue with the courts and now I am waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: AL

Complaint narrative:
I am submitting this complaint on behalf of myself and not a third party. I XXXX XXXX XXXX am a vicitim of identity theft and I have submitted the documents as request to have these fraudulent accounts blocked and deleted according to the information I read when I filed a report on the Federal Trade Commission site. I read that once I have made the consumer reporting agencies aware of these fraud accounts they would be blocked and deleted within 4 business days well it has been more than 40days and they are still reporting these fraudelent accounts. I an a XXXX XXXX XXXX and I suffer from XXXX and I don't need nor can I handle anymore XXXX XXXX and this is causing way too much for no reason. If people would just do their jobs and follow the Federal Law I would not be submitting yet another compliant. Is not my fault that my information was exposed in the XXXX and XXXX data breach. I did as they asked me too and now I'm the one who has to suffer, how is that fair to me? If this is not taken care of I will seek legal action because truthful speaking these consumer reporting agencies are in violation of all kinds of laws but I will save that for a later time. For now I need these fraudulent accounts deleted 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 non-monetary relief
Consumer complaint received 2021-12-19 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: TX

Complaint narrative:
XXXX, XXXX, and Equifax- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( 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. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, Transunion, and XXXX- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( 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. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2021-12-19 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: TX

Complaint narrative:
Experian, XXXX, and XXXX- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( 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. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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