vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am being harassed by phone calls, letters this creditor who has not validated this debt says I supposedly owe. I never signed any promissory notes with merchant and medical. I have sent certified mail to them requesting they validate the money I supposedly owe. And to stop reporting this information to credit beureas until it has been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX Account XXXX : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXXXXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX  Account # : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: NC

Complaint narrative:
I have two outstanding student loans with ECMC with a balance that total {$11000.00} during the covid pause ECMC refused to pause the interest rate and in fact kept calling to pay payments on the student loans. I am also XXXX  and a veteran and ECMC still attempted to collect on the loans while in the covid pause was in place. On XX/XX/XXXX, I received a notice from ECMC that I can request a refund of any monies that was paid to ECMC during the pause but they refuse to refund those monies of {$4000.00}. ECMC still refuses to pause the interest rate on the loans.

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 2021-07-12 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: T.S. Holdings
State: TX

Complaint narrative:
Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX  or XXXX  could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account. 

I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me. 

____________________ 2nd complaint with XXXX XXXX XXXX XXXX XXXX Apartments can not verify or show proof that this account belongs to me. Please Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
Today is XXXX yet my XXXX  credit report is showing information from XX/XX/XXXX. Neither of the other two credit bureaus are showing up to date information either. This is problematic because it's showing more than double my actual balance on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX Account XXXX : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXXXXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX  Account XXXX : XXXX | XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX | XXXX  Account # : XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about mid-year of XXXX, I became aware that Wells Fargo was attempting to foreclose on my mother 's home due to an unpaid mortgage in the amount of {$36000.00} in my name. The date of the loan transaction is list as XX/XX/XXXX, however, the recorded date of the mortgage is listed as XX/XX/XXXX. 

While trying to get an understanding and documents from Wells Fargo that could explain how this transaction took place without my knowledge, the bank continued to notify my mother about their intent to foreclose on her home. 

I reached out to a couple attorneys and acted on the advice to participated in a city sponsored mortgage retention program that stopped the foreclosure notices, and we were assigned a Housing Counselor, however, because I do not own the property and my mother is not a party to the debt the program wasn't able to assist in resolving the issue. 

To avoid any foreclosure process from resuming, I consulted with an attorney and elected to file a ChapterXXXX Bankruptcy, believing this would give me the protection from a foreclosure and the time I needed to track this mortgage from its origination date. Unfortunately, when I contacted Wells Fargo and requested the loan origination documents I was told they did not have my loan origination documents. 

Even thou this mortgage was in dispute ; Wells Fargo sold this mortgage to XXXX XXXX. Once that accrued, I was able to get documents issued by Wells Fargo 's Title Service instructing Wells Fargo they CAN NOT record a mortgage in my name without a DEED conveying the property to me. However, what Wells Fargo did instead of following their Title Service instructions, they edited the original mortgage by adding my mother 's name on the front page and added three ( 3 ) additions pages to the back of the mortgage and none of the edits were initialed by my mother or me.

This transaction is similar to if not the same as what the former CEO of Wells Fargo admitted to in front of Congress, where he stated bank employees created " Debt Instruments and Financial Obligations " in their depositor 's name without their knowledge.

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 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I opened a CHIME Bank account to manage a graduation event for resident physicians in XXXX. Because of COVID restrictions, our department couldn't pay for food at events. So I collected donations from other faculty in a XXXX  account and transferred them to the CHIME account. The amount raised was close to {$7000.00} and most were small donations of {$100.00} or so. Then, as the residents went about planning their own event, I texted them amounts of money to reimburse them when they showed me receipts. The text to pay was a main feature of why I used the Chime Bank in the first place. Occasionally, I was able to pay for things directly such as the venue. I received an email saying that they suspended my account because of suspicious activity. I provided them an explanation that was more extensive than the above. Also, I provided a lot of receipts and my proof of address. I phoned to follow up a week later and they informed me that I sent that information to the wrong address and I resent it all to a separate one. Then they responded saying explain the cash payouts and I did that again. I was not able to look at the account as it was disabled to find out which payments they didn't have or which ones they were concerned about. I tried to call and they wouldn't discuss this and later blocked my number. Then they closed the account as they said that it violated their internal policies. I was unable to identify these policies and they referenced information that did not mention anything about a limit on text payments. Further, they would not refund any of the money left in the account. Because I can not see the account any longer, I'm not even sure how much was left in the account. It's close to {$1500.00} or so. I'm fine with them closing the account I guess, but I'd just like the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
My account was closed for no reason by Chime bank. Allegedly my Account does not comply with internal policies and/or the member agreement. I ask for details, yet i am denied any further explanation. 
They closed my checking, savings and credit builder cards on XX/XX/2021 at XXXX. All my funds have been kept by Chime bank. I am struggling to get my life back together after pending divorce, child custody, eviction and covid. Now this, This is not right, they took all the money I had. Chime bank is a fraud, they prey on citizens just trying to make it through the day without banks like Chime robbing them blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed for Chapter XXXX Bankruptcy went through the 3 year payment plan. 

Post bankruptcy discharge my mortgage lender XXXX was not reporting mortgage payments still after 3 years. 

I this reported to the Trans Union and XXXX  and furnished by my mortgagee XXXX  statement. Both credit companies did not investigate the validity of the loan, and to date have not reported it on my Credit Report. 

My mortgage was not included in Chapter  XXXX Bankruptcy so XXXX should have not stopped reporting them. 

I want these mortgage payments reported on my credit file. 

Like I said I have already provided the credit bureaus with this information and received a response that they were not obligated to report this.

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 2021-07-12 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
-Midland Credit Management I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom 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 Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I called dovenmuehle to get a pay off .To refinance my loan there refueling to send one today I call. And they said the sent on off I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom 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 Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

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 2021-07-12 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: MA

Complaint narrative:
XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom 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 Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

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