vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I sent a letter exercising my Equity and disputing the student loans asking for the XXXX asking for the school to send me the " Original Instrument of Indebtedness in it's original form ''. I've gotten no response back from Navient Dept of Education ... even though I have a certified mail receipt saying that they did indeed receive my dispute letter on XXXX. This is now a violation of the Fair Credit Reporting Act and I intend to follow through with a law suit ( as I have a paper trial ) FCRA SECTION 611 Part ( A ) ( 1 ) failing to respond in 45 days. I also sue for the max for also noncompliance. If this item is not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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 — Problem with personal statement of dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
I've contacted the Company that is holding my account " Berlin Wheeler '' multiple time this month XXXX XX/XX/XXXX. I've also been contacting XXXX XXXX on behalf being the company that submitted my account to collections. I spoke to a representative from XXXX and my account was never supposed to go into collections. Berlin Wheeler on the other hand wants to hold my account and will not remove it from my credit report because there saying they don't have the capability even though they do. Now I've spoken to XXXX and they are submitting a courtesy deletion to Berlin Wheeler to remove the account from my report. I believe Berlin wheeler will not remove it and want to hold my account just because they can and it is very frustrating. I've submitted disputes to all three credit holders XXXX, XXXX, and XXXX. XXXX investigated it and removed it from there end, now XXXX updated my information but didn't remove it. Why would XXXX remove it but XXXX not. I am currently trying to buy my first home and need this removed from my credit report so I can qualify for my home. I've had this account paid off since XXXX. Please help me.

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 2021-12-10 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: CA

Complaint narrative:
Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the date, account ( s ) and account number ( s ) .This request has been denied and I would like thiese inaccurate information to be REMOVED. 

DATE DISPUTED XXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX I would also like thiese inaccurate information to be UPDATED TO POSITIVE. 
DATE DISPUTED XXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
The following unauthorized charges were denied by the bank. They said I waited too long to file a claim XXXX {$270.00}. To : XXXX XXXX. XX/XX/21 {$100.00} To : XXXX XXXX XXXX. XXXX. {$75.00}. To : XXXX XXXX XXXX. XX/XX/21. {$300.00}. To : XXXX XXXX XXXX. XX/XX/21. {$11.00}. To : XXXX XXXX XXXX. XX/XX/21. {$110.00}. To : XXXX XXXX XXXX. XX/XX/21. {$50.00} To : XXXX XXXX XXXX. XX/XX/21. {$240.00}. To : XXXX XXXX XXXX. XX/XX/21. {$570.00}. To : XXXX XXXX. XX/XX/21. {$280.00}. To : Snap travel XXXX. XX/XX/21. {$230.00}. To : XXXX XXXX XXXX. XX/XX/21. {$500.00}. To : XXXX XXXX XXXX. XX/XX/21. {$500.00}. To : XXXX XXXX XXXX. XX/XX/21. {$240.00}. To : XXXX XXXX {$3600.00} I provided all info they requested including a police 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 explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX, I deposited XXXX dollars cash into the ATM Machine at Citibank. The money did not register and they said they had 10 days to investigate. This is wrong that is my money and I think if this happens they are supposed to pay me back double the money for this aggravation. Seeing that it is XXXX time and this has thrown my life off balance something has to be done on 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 monetary relief
Consumer complaint received 2021-12-10 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: IL

Complaint narrative:
Fraud somebody used my identity and now I have 4 inquirys on my report I didnt make. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I reported fraudulent activity on my chase account to a chase support specialist. I explained there were 3 pending XXXX charges that same day. A {$1000.00}, {$100.00}, {$870.00} to two individuals I have no knowledge of whom they are or who authorized the charges. I was told by a chase specialist they were going to look into my account activity. I was just told due to the charges being authorized on their system there was nothing else they could do and I would not receive any money back. I felt I was not being treated fairly and received no help whatsoever. I have been with Chase for years and Ive been using XXXX for a consecutive year and never came across this issue. Its incredibly terrible how I have to put my money in a bank and feel my money is not in good hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: White Jacobs & Associates
State: GA

Complaint narrative:
I hired XXXX XXXX to assist me with correcting items on my credit report that I did not believe to be accurate. I paid this company over {$1500.00} in fees. The agreement was that they were suppose to get these items deleted. Prior to contracting with them, I paid off my creditors and many of the accounts were removed. I received letters from the creditors indicating this. Some of the accounts were removed because they were fraudulent. I worked with the creditors to resolve the fraudulent accounts. XXXX XXXX was unsuccessful in aiding me in cleaning up my credit. I have given them over a year and I still have many many accounts still listed. They did very very little. Most of the items that have been corrected was because of work I did. They have been sending form letters to my creditors and the creditors sent me letters indicating the dispute letters provided by XXXX XXXX was insufficient. I was charged up front for credit repair services and did not get what I paid for. I fulfilled my end of the contract and they did not do what they were suppose to do. Whenever I received updates, I sent them. They have not worked on my file since XXXX when they were suppose to be actively working on it. They have a money back guarantee and when I inquired about it, they refused to honor their own guarantee because misleading information about the work they did was considered. Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The EquifaxCredit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX - XXXXXXXX XXXX  XXXX XXXX Balance {$420.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$810.00} XXXX XXXX Balance {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company is fraudulently reporting a debt taht does not belong to me. This company is in numerous of violations of my consumer rights I've attached my affivadavit below in this complaint listing all violations

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 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Back in XX/XX/XXXX capital one froze my checkings & Savings account without my consent or knowledge. I went in the bank to resolve the issue & they had me to show documents of my XXXX & XXXX taxs. I sent those documents in via email and never got a response. Ive been without my funds for 8 months now, which has caused me so much suffering Financially. Ive been reaching out too capital 1 everyday for 8months still no help or no answers. This has put me in such a hardship with my everyday life. Im making this complaint too try too get help before I take legal action and sue capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: GA

Complaint narrative:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that need to be removed 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 2021-12-10 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: GA

Complaint narrative:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: MD

Complaint narrative:
I am distressed that you have included XXXX EQUIFAX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: MD

Complaint narrative:
I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I'm going to do two things today 1 ) give you the first complaint number which conveniently for the lender falls in line with exactly what the are doing which is taking of the customer because the CFPB dropped the ball - left your rules open ended for all Closed loans and let Lenders dictate unfair terms to the very people your suppose to protect so here that is XXXX. 2 ) I did also file a complaint with another federal entity. 

At the end of the day Ally is banking literally on holding my money for 60 days, it matches your policy exactly. Ironic. 

Who knows I am suspecting interrupting a XXXX  dollar loop hole isn't popular. 

Lots of other people are hurting by your choice to just not complete your job. 

Anyway haven't heard a thing from Ally other than an updated lean statement, but yet my money sits in their accounts alomst a month already. Imagine how that money is being leveraged. 

Anyway I do suspect you are doing this job for the right reasons but when your first response is to put in the party who is taking advantage of the consumer- doesn't that just not seam right? 

Thanks for your time!

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 2021-12-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: TX

Complaint narrative:
Alleged debt was sold to another debt collector without any notice and never made a legal binding contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: MD

Complaint narrative:
I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX information in my credit profile on XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: MD

Complaint narrative:
I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
On XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX {$420.00} I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: MD

Complaint narrative:
I am distressed that you have included EQUIFAX, XXXX, XXXX XXXX in my credit profile on and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Hello, I have a Chase bank account with XXXX $ that I can not use because they froze my account for suspicious activity ( I sent a payment to a friend and they froze it ) I called and verified my identity multiple times and they would just tell me theres an error unlocking the account and had to call again. Then they tell me I have to go into a branch to verify myself when I told them I no longer live in XXXX!! Their response is : Once you get back in the country you can solve the issue. Im not coming back anytime soon!! I want them to unlock my account so I can withdraw my money and close my account with them, theyre not helping, please I need a solution

Company response to consumer: Closed with explanation