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 — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was trying to short sale my house a number of years ago and i was told by the mortgage company to stop making my payments every month since we were short selling it and it would not effect my credit. Now that I am trying to buy a house i see that it shows 3 months of late payments from back in 2015 when i was short selling the property. This is effecting my score and it should not be there as i was told they would not report me late. Please assist me in trying to get these removed from my credit report.

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 — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/20, I received the attached e-mail from Nelnet informing me of the forbearance on student loan payments and providing options to continue to make payments during this forbearance period. I sent an e-mail that very same day, as directed in the e-mail, requesting to continue to make loan payments at 0 % interest during the forbearance period ( please see all attachments evidencing the e-mail was sent ). The payments were never taken as directed. It appears that Nelnet was not and is still is not prepared to service its vulnerable customers during this pandemic. I was specifically harmed by Nelnet 's lack of action as I was unable to take advantage of continuing to make my payments at the 0.00 % interest rates. Further, I am still uncertain as to how this issue will affect my ability to have my remaining balance waived after 25 years of continuous payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
DRS showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe on act # XXXX with XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
on the date of XX/XX/2021 I went to XXXX XXXX XXXX XXXX I spoke to a salesmen and was shown a vehicle I was then coerced into putting a down payment of {$2500.00} on a consumer credit transaction I was then bombarded with paperwork and was not given adequate disclosure as to what was taking place on my behalf i was not given the proper time to agree to the terms before being forced to sign, the contract is incomplete and contains misleading information I now have been trying to reach the company to properly rescind and cancel this " loan '' they speak of have been ignored

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account 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 2021-07-12 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: FL

Complaint narrative:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Reporting {$570.00} XXXX bill dated XX/XX/2021. 
XXXX verified there is not a past due bill. I even started new XXXX service XX/XX/2021 at my current address. 
If it was my bill they would have sent me a bill or collection notice. I never received either. 
My score dropped 38 points and I was denied a loan. 

I called Transworld Systems INC on XXXX XXXX and they continued to ask my ss #. They clearly were fishing because they new it wasn't mine.

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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I received a notice of debt collection from Online Information Services XXXX Inc regarding XXXX XXXX bill owed from North Carolina service at an address I have never resided at located at XXXX XXXX XXXX, XXXX XXXX. The city and state were not listed on the notice. I have never lived at the address stated. It was also billed to a name I have not had since 1993. I contacted the company today to tell them this was not my debt. I let them know I was disputing this account. I can only describe them as rude. I talked to a girl named XXXX at Online Information Services.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX, 2021 i called Bank of America to report a change of address for card XXXX XXXX XXXX XXXX. I unfortunately told them my husband had died. They said someone would call. No calls. When I tried to use the card I found it had been canceled. My XXXX membership was canceled also.. I tried to call number XXXX. I was on hold for 40 minutes. I did finally talk to a representative who gave me the XXXX XXXX number. I never was able to get through. On XX/XX/2021 I was on hold for 20 minutes with no answer. I believe i was on hold trying to find help over an hour. My credit score has been affected I am sure.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2021 I purchased keratin bond hair extensions online from a website called " XXXX XXXX '' for {$840.00}. I received the hair extensions and had them installed by my hair stylist. The extensions felt rigid and hard in my hair and I asked for the extensions to be removed. When my hair stylist sprayed the bonds with the solutions provided, the bonds went from being clear to a milky, white paste and had a glue-like consistency. The process of removing the keratin bonds was extremely painful. I purchased these hair extensions because they were marketed as keratin bonded, which should be an all natural hair protein and it clearly was not. I contacted Chase on Monday, XX/XX/2021 and was told since the product had been utilized they could not file a dispute. I do not see how that provides the consumer any protection as the goods I purchased were not as advertised. I would like a full refund and I would be more than happy to send the remainder of the hair extensions back to XXXX XXXX.

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: Child Support Recovery Services, Inc.
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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I have had an ongoing issue with logging into Venmo, even though the login information has been correct. Despite resetting my password many times, this continued to happen. On XX/XX/2021, I contacted Venmo customer service through their website to advise them of the problem and request help ( filename : Can't log in - Venmo.htm ). They advised me to reset my password, which I did, to no avail. 

On XX/XX/2021, I received an email from Venmo stating that my account was frozen due to " recent activity that triggered some security alerts. '' No further information was provided ( filename : Your Venmo account has been temporarily restricted.pdf ). 

The Venmo app stated that my account was frozen due to violations of their Acceptable Use Policy, which I read and understand deals with crime and fraud, so I took this to mean that Venmo was accusing either me, or someone who had accessed my account, of a crime. 

I contacted Venmo but they would not reveal what activity had taken place on my account, who may have initiated this activity, or whether my account was safe. 

After not being able to resolve this issue, I notified Venmo that I would be filing a complaint, although I mistaken thought that the correct agency to file with was the FTC XXXX filename : Your recent Venmo request.pdf ). 

At this point, Venmo began to interact with me through email more consistently XXXX XX/XX/2021 ). I repeatedly requested they disclose the activity perpetrated on my account and whether my information was safe. 

During this exchange, I became frustrated, and then angry, which led me to use profanity and sarcasm in my emails. I understand that this may have contributed to Venmo 's refusal to assist me ; however, I was very clear in what I was requesting from them. The last email I received from Venmo indicated that they would no longer respond to my requests for assistance ( filename : [ Venmo ] Recent Activity on Your Account - Venmo.htm ). 

As of today XXXX XX/XX/2021 XXXX, Venmo has still not disclosed whether my account was hacked, if I am currently at risk, what activity occurred, or any useful information to put my mind at ease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX we made a payment via ACH that paid off the entire balance of the card. This payment cleared our bank in XX/XX/XXXX. On XX/XX/XXXX about a third of the credit line was made available even though the account showed fully paid off. 

I contacted PayPal through the online support channel and was told that it was a security measure being used on the account and any hold should be lifted 7-10 days from payment. As of today the account is still not showing the full credit limit available. 

I am unable to find any documentation on PayPal sites about how they hold/clear electronic 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 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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report and to this day 35 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 ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. Pursuant to 15 USC 1681B ( 2 ) they didn't even have permissible purpose to furnish such information in first place. I NEVER GAVE THEM ANY WRITTEN CONSENT. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing provided an incorrect payoff amount in a refinance. Since XXXX, 2021, XXXX XXXX and myself have contacted SPS multiple times for resolution. XXXX has evidence of incorrect information being provided by SPS. At this point, SPS is charging me interest for the payoff amount, while the item was being disputed. They are unwilling to remove the interest charges and refused twice the payoff amount originally provided to the title company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is doing so many illegal things to my credit report In less than one month had been changing a paying history of acceptance now 3 time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged me an ACH claim reversal which caused my savings account to become negative. The negative balance in the account was supposed to follow bankruptcy and remove the negative balance. However Wells Fargo did not clear the negative balance in the savings account they caused by Claim reversal. Additionally all the Wells Fargo credit accounts have been discharged. Chapter XXXX as such Wells Fargo needs to properly report these to XXXX  instead of reporting as charge off on the note 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with Social Security Administration is current and not in collections. I make monthly payments and Experian is not reporting my monthly payment and is reporting account as in collections and past due. Please help. Thank you.

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: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank sent me an email stating late comment reporting on my personal credit report will be removed for XX/XX/XXXX and XX/XX/XXXX. This letter was dated XX/XX/XXXX and also there was a Universal Data Form included as proof it was submitted. However, it was not updated on my personal credit report. I have contacted the company and was told it was completed but its not reflecting as corrected on all credit bureaus. This is for the PayPal Extras credit card.

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