vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX 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 Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Recently, I tried to apply for parent plus loan to help pay for my daughter 's college expenses. I was denied the loan amount because my car was repossessed from XXXX  XXXX  ( also known as BridgeCrest ). The car was taken and sold leaving a balance of XXXX. 
I requested a letter from this company to show that I have made more than 6 months worth of payments on this account. The company refused to return any communication and did not grant my letter. In addition, I notice that this account was forwarded to a legal collections account who has applied an extra XXXX to this debt. What? This is not my 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 2021-07-19 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: IN

Complaint narrative:
On or about XX/XX/2021, I noticed several transactions on my Chase Visa card that I had not been made. After checking with my wife ( the only other verified user of the card ) that they were not her transactions, I reported the fraudulent transactions to my credit card company. They refunded the charges and issued me a replacement card. 

Sometime after XX/XX/2021, I received a follow-up letter from Chase in which they determined that I was liable for one of the transactions. Upon reaching them, I requested information as to why this determination was made. They informed me that it was their determination that the order made to XXXX was to me. I informed them that I did not have an account with this website ( confirmed by attempting password recovery with the e-mail addresses used by my wife and myself. None of those addresses had an account at XXXX at that time. ) They were finally able to provide me with the relevant order number in question ( XXXX ) so that I could contact the merchant for more information. 

The merchant website, unfortunately, did not seem to have a phone number. I registered for an account using my e-mail address so that I could use their live chat function. I've attached the transcript where the agent provided me with a tracking number thru XXXX, which showed that the item was delivered to XXXX, Florida, some XXXX miles from my home. I have no family or friends that live in XXXX. ( screenshot of transcript attached ). 

I provided this information to Chase 's fraud department and they committed to reopening the case with the new information. 

On or about XX/XX/2021, I received a letter indicating that they would not be reversing the charge and that they still believed it to be proper. As such I am opening this case to attempt to get some resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19 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: FL

Complaint narrative:
On XX/XX/XXXX, my credit report showed I had an outstanding debt to XXXX XXXX in the amount of {$370.00}. On XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX XXXX and paid that debt over the phone. I paid {$420.00}, {$370.00} plus late fees. They emailed the receipts to me. 

On XX/XX/XXXX, I sent a notarized statement to XXXX XXXX requesting they correct my credit file after I paid my debt in full on XX/XX/XXXX and it was still showing as unpaid on all 3 credit agencies. I received no response from XXXX XXXX. 

On XX/XX/XXXX, Equifax updated my credit report with a different creditor name for the same amount and same account number. I have no knowledge of an account with XXXX XXXX and they should not have ANY information attached to my medical records at XXXX XXXX. 

On XX/XX/XXXX, I sent a notarized statement to Equifax, along with receipts from XXXX XXXX, copy of my ID and social security number, and proof of residency. I requested that the incorrect record be removed from my credit file. 

On XX/XX/XXXX, Equifax sent a letter stating that the debt is valid and is still being reported as XXXX. 

It is unlawful for Equifax and XXXX XXXX to knowingly request that I pay the same debt twice. It is unlawful for Equifax and XXXX XXXX to knowingly report incorrect data on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I received a letter dated XX/XX/2017 from Synchrony confirming that my high yield savings account was closed. However, I have recently asked them to also deactivate my online login access to avoid a potential hacking. Synchrony responded that they have no way of complying with my request and offered no additional remedies other than to say the account login is secure, which I find unacceptable given the number of corporate security breaches identified in recent years. More than a dozen financial institutions have recently complied with my request to disable my login access. Synchrony has been the sole exception.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-07-19 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:
I am submitting this complaint in the behalf of people that can learn from my experience. 
Since XX/XX/XXXX, there was an agreement with Wells Fargo Bank that my statements will close on the 7th business day of each month. It has been that way since recently. On the Month of XX/XX/XXXX and XX/XX/XXXX, they suddenly changed it to the 5th business day of each month, without prior notice. I asked them, to please reinstate my closing date for the month of XX/XX/XXXX to the 7th business day. After nine days, they sent me a letter saying that " WELLS FARGO RESERVES THE RIGHT TO CHANGE STATEMENT CYCLES ASSIGNED TO YOUR ACCOUNT WITHOUT PRIOR NOTICE ''. Their letter also says : " we strive to remedy the request to the best of our ability. However, are restricted by items beyond our control, such as federal regulations, third party service agreements, and legal or regulatory implications ''. If you are an organized and responsible person, this is an issue. Now, my question is " Do all Banks have the same behavior? '' I never had THIS KIND OF ISSUE happening TO ME, but with WELLS FARGO. If somebody reading this complaint has a DEEPER INSIGHT, please contact me or let me know about it. If a " small issue '' like this is happening with no shame, then you can Imagine what is happening in other issues. It just takes a little yeast to leave the ENTIRE DOUGH. Not a fair game! The insatiable appetite for oppressive control is growing by giant leaps these days!

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 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: TN

Complaint narrative:
XXXX medical bill not mine. Talked with the company says they see it was not mine. Still showing on my credit.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I wanted to increase a line of credit with chase. I gave the person in the secured chat my information. I also gave them the number of how much I wanted to increase my limit by. I specifically told them I dont want a hard inquiry on my credit report so if the amount requested will result in an inquiry, lower the amount. They continued to run my credit unauthorized. And did not message me back after I told them about it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I currently have four federal student loans serviced by Navient / Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period.

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number. 

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that Navient 's refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA.

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''.

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello CFPB, Good Evening : ) I am writing to file a complaint with bank and credit agencies that they were not able to fix this thing and putting some other identity information and charge off collection amount information on my credit report and the bank people had send me couple of multiple letters stating that I need to pay the debt off which I need to pay, where actually I don't have a bank account with them at all and they are asking me to pay, I don't know how they got my identity information and they are harassing me to pay money from past one year and I made so many phone calls to bank and credit bureau agencies to fix this problem and they are not able to help me and still they are playing with my identity and as of now I lost my credit score a lot and the result is no one is giving me any loans nor either a credit card, where it effected my score, identity completely. so I need some help and fix my credit information on my credit report properly.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The Opposite of closed is open nice try Equifax try that Stunt on someone that dont know any better but I do. Remove the following accounts from my credit file you did not conduct a proper investigation therefore you must remove XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Close cant report but open can horse and dog XXXX remove the account listed above NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Upstart Networks , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over XXXX points. 

Upstart Network , Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: AES/PHEAA
State: DC

Complaint narrative:
I have six payments that are " pending a manual review. '' These payments were made from XX/XX/XXXX to XX/XX/XXXX. MyFedLoans has been unable to certify these payments after repeated requests over the past two years. They just told me the current case was opened XX/XX/XXXX. I am close to applying for PSLF and these six payments will prevent me from applying for forgiveness on my proper date. These were eligible payments under my previous servicer, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, I was charged an annual fee of {$95.00} for my Alliant Signature Visa credit card ( with a stated period of " XX/XX/XXXX through XX/XX/XXXX '' to which the annual fee applies ). An important feature of this card ( and the sole reason I applied for, and use, this card ), is a 2.5 % " cash back '' feature on all purchases up to {$10000.00}. 

In XX/XX/XXXX, I received notice, that EFFECTIVE AS OF XX/XX/XXXX BILLING CYCLE, my cash back rate would be reduced to 1.5 % unless I opened an Alliant Checking account with various requirements ( e.g., minimum balance, minimum deposits, etc. ). 

Please note that this change will be implemented mid-way through the period for which my current annual fee " covers. '' In other words, they have charged me {$95.00} as an annual fee for the stated terms and conditions ... and midway through the period, have reduced/degraded the terms and conditions. 

I would like a refund of my annual fee since the features that I have already paid for ( via the annual fee ) are changing midway through the annual fee cycle. This is clearly not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from XXXX XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXX XXXX Account Number XXXX Balance {$3400.00} XXXX XXXX Account Number XXXX Balance {$16000.00}

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management, has filed a complaint on my credit report. I have never owed or done business with this company. 
This has brought my credit score down to a poor level

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft UNITED AUTO CREDIT CO Account Number : XXXX This is not mine. 

3. Identity Theft 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 CARD Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation