vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts listed below have been reporting for more than 10 years on my credit report by Experian These accounts must be DELETED. 
1 ) XXXX XXXX XXXX  Account 2 ) .XXXX XXXXXXXX XXXX XXXX  Account

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The three credit unions TransUnion, XXXX XXXX XXXX are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX 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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The three credit unions XXXX, XXXX XXXX Equifax are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CONRAD CREDIT CORPORATION
State: TN

Complaint narrative:
I was looking at my credit report because I was trying to see why my score was going so low and looked at this company that I never seen before on my credit report that was reporting that I owned them money from going to some type school but I havent been in college in over 20 years so this has to be a mistake. So I sent them a dispute letter by certified mailed on XX/XX/2021. 
Asking them to Validate that this debt belongs to me, By providing verification of the debt Which they placed on my credit report without me knowing about it! 
They never Validate that this debt belongs to me by contacting me by mail or phone and I have proof they received the letter from the mail. But this company keeps reporting a false debt to the credit bureaus with XXXX and XXXX which I have dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2021, Transunion. I disputed a account on my credit report that was inaccurate. By law 15 U.S code 1681 Transunion can not have inaccurate information on a consumer credit file. I noticed the XXXX XXXX was reporting an alleged collection to my Transunion consumer credit report. I mailed Transunion by certified mail the dispute and told Transunion to delete this account because it was inaccurate. I stated that a collection account can not show a BALANCE. Transunion mailed me the investigations results and now my report shows the BALANCE as XXXX. That is a clear violation of the law. I want this account deleted immediately. I have attached my Transunion documents and dated XX/XX/2021 and XX/XX/2021 as proof of Tansunions violation of the Fair Credit Reporting Act.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

JPMCB CARD Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I spent XXXX $ at XXXX for room upgrade and other room charges. I stayed at hotel during XXXX XXXX at room XXXX. According to the term I should get 10 % back for what I spent however offer was not activated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. I hired a XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX her on Monday XX/XX/06 to help with my healthy journey. I paid her {$600.00} through XXXX with tax charge. I did not receive a copy of receipt or contract or anything. It looks like the business is doing a shady action with taxing. After paid her, I had my first lesson with her on the following XXXX and then I found out she lied to me. Basically scammed me since she cancelled my XXXX  session to train another client and work out stating that she was sick. I then immediately asked her if she can partial refund me but she refused. I found out this place has been doing this to many clients by ghosting and refusing to give them back the payment. I filed a dispute with XXXX and my bank Wells Fargo but were denied. Wells Fargo did not even send me a proper email explaining why they closed my dispute claim. I am very upset because this was my very hard working money. I was being scammed and there's no way for me to get back that money. {$600.00} might not be a lot to many, but it is to me because I am still a student who has to work and go to school.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
I was notified in XXXX XXXX that I was behind on mortgage payments in excess of {$4100.00}. This is inaccurate since I have made every single payment on-time as scheduled since notifying the bank in XXXX of XXXX that I would not be needing further assistance by way of deferring payments enforced by the fed guidelines in the Cares Act and that I would be resuming payments as of XX/XX/XXXX. On XX/XX/XXXX, I resumed my mortgage payments as shown online using the United Community Bank website for payment reference. United Community Bank initially started refusing bank teller payments after my first 2 payments and stated I would need to use the online banking payment option to make my payments on my mortgage, which i started doing around XXXX, XXXX. It was not until around XXXX XXXX that I was threatened to make an over {$4100.00} payment to bring the account current. After several attempts to contact the bank I was told that due to Covid the bank was severely behind in account reconciliations and they were working on the issues, yet they have still taken severe Steps to intimidate me by posting notices to my door, taking pictures of the house m, and delivering threatening letters of foreclosure.

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 2021-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have co-signed a loan for my son with Navient loan an I have made the payments since XXXX - I had been getting bills at my home which I moved to in XXXX - all of sudden I quit getting bills and find out they started mailing them to my old address that I have not been in since XXXX - my son had told me that he was going to begin to make the payments so I assumed this had happened - they started calling me about the payment and I made the payment right away- now very month they call me and even when I tell them the payment has been made they call me daily - they called me this week and told me I owed for 2 payments and I said excuse me when was the last payment rec'vd and she stated XX/XX/XXXX and I in fact did not ow for 2 pymts but only for the XXXX payment which I told them had been paid- they called me again today and I advised them they were told a pymnt was made and that they were not to call me- she stated they will continue to call me- I want the calls to stop they call me during my work day and it has got to stop - the late fee is not assessed until the 19th and they got the payment today-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MA

Complaint narrative:
I was on a covid forbearance that expired in XX/XX/2021. I start payment my current mortgage to a new servicer once my mortgage was transferred from XXXX to XXXX in XX/XX/2021. I was told over the phone that my service XXXX could not put the forbearance amount to the back of the loan or Modify the mortgage because it was sold starting in XX/XX/2021 to SN Servicing. A payment was sent to SN Servicing for {$10000.00}. my next payment would be in XX/XX/2021. I was told from XXXX of Sn Servicing to complete an application for Modification for the outstanding amount of what I owed from the modification. I tried to make a payment on SN Servicing 's website and was unable then I called and spoke to XXXX whom told me that they were not going to take my payment unless I pay {$24000.00} or a payment arrangement of {$14000.00} and {$4400.00} each month and the modification was denied. I have no idea who owns my mortgage and was never notified by mail. I believe the mortgage is doing some fraudulent activities. 
Could you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed with transunion 3 times now an account on my report. I have proof that the original account has been sold to another agency yet after transunions dispute investigation is complete they still refuse to remove or change the status of my account simply based on what the original debtor confirms. The original debtor is XXXX credit card and it was sold to XXXX XXXX XXXX, whom I've also spoken with and have received written communication from! XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX on a recorded line where she specifically stated they bought this account from XXXX 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
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
The Transactions should have been declined once posted to account due to insufficient funds. Now bank is stating due to there discretion they are allowing Transactions to post which is causing overdraft fees.. XX/XX/21 XXXX 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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I was notified by Wells Fargo via email on XX/XX/21 that I had incurred an NSF fee in my XXXX  checking account because my XXXX mortgage payment increased without my prior knowledge. I contacted XXXX to try and understand the issue and get the NSF reversed. I first contacted the XXXX number and the employee did reverse the NSF fee because of the situation but could not help me with the mortgage issue so she transferred me to another XXXX employee. They had mailed me my annual escrow analysis statement back in XXXX, but it did not arrive. I understand because its the USPS and not very reliable. 
The mortgage employee explained that my payment increased because of an increase in taxes and this caused my payment and additional principal payment to increase. She would place a work order to change the payment amount and principal payment amount to correct this issue for XXXX going forward. I asked what about my XXXX payment and she said she would place a note to correct the XXXX payment too. 
I later received another email on XX/XX/21 because the payment was tried again and the work order was not fulfilled. 
I contacted XXXX  mortgage again on XX/XX/21 and was told the work order will not take care of the XXXX payment but will take care of the XXXX payment going forward. I was transferred to a mortgage supervisor who told me I had to talk to my checking account financial intuition ( which is XXXX ) to place a stop payment so XXXX mortgage will stop trying to pull my mortgage payment. I was transferred to the personal banker line of XXXX ( after sitting on hold for some time ) who said he couldn't do it but would transfer me to someone who could. The next XXXX employee told me she couldnt do it. She worked in the background figuring out what to do for another 20-30 minutes while i waited, she finally transferred me back to XXXX  mortgage who told me the same thing i was already told earlier. In total, I was on the phone for a total of 1 hour and 13 minutes and the final guidance i was given was to just wait for all three attempts of XXXX  mortgage to try and pull the money out of my account, even if i keep getting NSF fees, and after the three attempts, make a manual payment of the amount i want.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
Hello, I need to file a complaint about Huntington Bank. I am unable to access my mortgage online. I receive this message : " You have encountered an error. If the problem persists, please contact lender support. '' This may seem like a simple problem and one may ask why escalate it to consumerfinance.gov but I have called weekly since XXXX. If I had to guess I am on the phone for an average of XXXX minutes each time. I have an original ticket number of XXXX. I did not ask for any reference numbers for the phone calls or any names of any agents prior to last week because I assumed that this was a simple fix and it would be resolved at some point. I was promised on XX/XX/XXXX that it would be completed by XX/XX/XXXX but it's now XX/XX/XXXX. When I called again today, the agent I spoke to stated after speaking to the service department they had closed the ticket out stating it was resolved. It is causing undue hardship to call every week just to check on the status of my mortgage and also to have to keep following up on a simple fix to my online banking account. I'm hoping that reaching out to the consumer finance department will help me resolve this issue. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: College Assist
State: TN

Complaint narrative:
I was going back over my credit report and looking at these two companies that has the same addresses and XXXX XXXX XXXX and about five different names they use which is very confusing, but they are still reporting a false account thats been deleted off my credit report three times and they keep reporting it every year and trying to get funds thats not owe to them which doesnt even exist its been deleted off my report! Ive disputed these accounts to the three credit bureaus and sent them a dispute letter as well which they never responded to me I have proof! I want this to stop being reported on there behalf because it seems to be XXXX  motivated because I have a XXXX person name I guess I really dont know Im just taking a wild guess or maybe they just are mean i dont know!

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 2021-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that GM Financial has not rebutted the Affidavit I have sent them. I have already filed a CFPB complaint they responded with documents that only support my claim. The four essentials of a lawful binding contract is 1. full disclosure - I was not told that I was actually creating the credit with my wet ink signature. 2. equal consideration - gm financial brought nothing of value to the table and so they had nothing to lose. 3. lawful terms and conditions - the conditions of the contract with gm financial were based on fraud. 4 the wet ink signature of both parties. The loan form does not constitute a contract as it is only signed by one of the parties which is myself. They have failed to produce a contract that is signed by both parties. a loan agreement is a contract and so there has to be full disclosure and there was not. both parties have to put up something of equal value which didn't happen. pursuant to 15 usc 1635f I have exercised my right to rescind within the 3 year time period that bureau allows. Federal law overrides any opinion of any representative of gm financial or state law. They are accusing me of a debt relief scheme but I am a federally protected consumer exercising my rights.

GM Financial should have rebutted the Affidavit. They are making up stories and trying to avoid the facts and federal law. Gm Financial is in violation of 18 USC 242, 18 USC 241, 15 USC 1692g, 15 USC 1635, 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1602 ( p ), 15 usc 1692e ( 11 ). 15 usc 6802 ( b ), 15 usc 1692d ( 5 ), 15 usc 1692b ( 2 ), I have uploaded all the paper showing proof of what i am saying today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: GA

Complaint narrative:
CLAIM ID : XXXX I have been charged for two items under this claim that one was sent in error and returned the other was an XXXX and returned. This can all be proved and I have forwarded proof to chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Account opened when I was XXXX in my name then closed then opened a few months later when I was XXXX I didn't want an account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief