vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
I have submitted an identity theft report and I have disputed the account listed as XXXX with account number XXXX on my credit report for almost a year now as fraud. This credit reporting agency and the listed company continues to report this account on my credit report without an explanation as to why or obligation. Whenever I dispute this account, different information associated with the account is reported and/or it is removed and then put back on to my credit report which is illegal. This account is not my obligation and violates my consumer rights which include and are not limited to 15 usc 1681 b ( A2 ), 15 usc 1681ae, 15 usc 1692b, 15 usc 1681b, 15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f. Each violation can be monetized. This credit reporting agency continuing to allow this account to report on my credit is also illegal and violates my consumer rights and I plan to now take legal action.

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 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I wrote directly to the US BANKRUPTCY bank in XXXXXXXX XXXX & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file XXXX your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I called capital accounts to see why I have a medical debt collection and they did not give me any validation of debt I also asked them to send me information of the debt and they said they don't have that information. I ask to remove off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I refinanced my loan and United Wholesale Mortgage was paid in full on XX/XX/XXXX aka date of closing. I have an excess escrow balance due me of {$3800.00}, 3 weeks have gone by and they still havent mailed my check to me. When I called them they wouldnt tell me when it would be mailed. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I wrote directly to the US BANKRUPTCY bank in XXXX  GA & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file .. your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file

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 2021-08-18 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I received notification that my account had a collection added, I have never entered into a contract with Covergent outsourcing. They have not mailed anything to my house, and they've never been given any ofpersonalinformation.

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 2021-08-18 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I contacted Lexis Nexis about 3 bankruptcies showing on my Lexis Nexis file. I inquired about the information they are reflecting and they responded that they was unable to verify the bankruptcies and they would remove it from my report. They have failed to remove the bankruptcies from my report and in which has delayed the removal of the items from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My account was suddenly and abruptly closed no reason nothing i have never did anything bad with account never negative always high amounts closed for no reason its frustrating now my funds are being held with td bank need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/2020, I was scammed by a person online to wire money from my Chase checking account to a XXXX XXXX account in New York, the amount is {$25000.00}. The scammer begged to borrow money for business and promised to repay in a few days but never did. The scammer then disappeared. I reported to XXXX XXXX Police Department and XXXX in XX/XX/2020. 

After looking up the receiving bank account information, I saw that it's a transferring bank to XXXX. This raised an alarm of money laundering and bank fraud, scam. I contacted my bank Chase to ask them to track where my money ended up with. After knowing the bank account and company of the ultimate end, hopefully I could give more information to police for their investigation. However, Chase never directed me to the right department nor the right person to solve my questions. I contacted XXXX XXXX ( receiving bank ) for the same request, and still have the same helpless attitude and endless phone transfers to different departments but none of them could give any meaningful assistance. 

It has been more than a year since I was scammed but I have received limited assistance from my bank in helping track the scammed wire. They always give excuses that bank accounts for fraud and scam will be inactive right after the scam. As if it's helpless to go to know where my money ended with. 

I explained to Chase what happened and that I have police report case number and other reports to prove that my case is real and that I am a victim. I have legitimate right to get helps from Chase. However, Chase ( phone reps and bankers ) said they don't need the case number. They acted like this is none of their problems even though I am their customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
FSA User ID : XXXX I would like clarification on the 90-day and 120-day late payments that Navient are reporting to all 3 major credit bureaus ( XXXX, XXXX, and XXXX  ). I have a federal student loan ( FFELP ) backed by the Department of Education ( Sallie Mae ) and per the C.A.R.E.S. Act - Coronavirus Relief, student loan payments have been paused/extended beginning XX/XX/XXXX until XX/XX/XXXX. However, Navient continues to request monthly payments from me ; they continue to charge daily interest ; and every month I receive payment reminders and no-payment received notifications. Since Navient is the servicer of my federal student loans, I feel as though my student loans should be eligible for the relief, regardless of how Navient categorize them. Per the Coronavirus Relief, Navient should stop collections on defaulted loans ; my loans are and were in default at the time the president signed the C.A.R.E.S. Act into law. Therefore, Im thinking that Navient should not be requesting payments from me at all on my federal student loans until after XX/XX/XXXX. 

The Dept of Education reports my Stafford loan as 2 separate loans - subsidized and unsubsidized, while Navient reports the same loans according to the date payment was made to the school, XXXX XXXX ( see attached ). Arent they the same loans? I only applied for one student loan on FAFSA. I am confused as to why one would be eligible for the pandemic relief and the other would not since they are one in the same.

Lastly, according to the Coronavirus Relief, under Which Loans Are Eligible for the 0 % Interest Rate, I feel that my FFEL loans are eligible for the relief. It states : FFEL Program loans owned by ED ( defaulted and nondefaulted ) AND - Defaulted FFEL Program loans not owned by ED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 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: LEXISNEXIS
State: TX

Complaint narrative:
A third party consumer reporting company has been collecting my personal information without my knowledge, and authorization, and distributing this to businesses, marketing companies, and the three credit bureaus. Also they have distributed inaccurate information about me to all three credit bureaus, and refuse to remove the information. I have contacted them directly, as well as the three credit bureaus to get this inaccurate and third party information removed from my credit reports that I do not recognize - two alleged bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Our son died XXXX, 2020. PayPal is sending him bills despite the fact we have informed them on several occasions that he is deceased. They then tried to hold us responsible for the bill. We told them we had not authorized nor signed to open the account. They said it was resolved but our credit report shows a overdue balance from PayPal.

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 2021-08-18 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: C/C Financial
State: NY

Complaint narrative:
It a fraud I dont k ow this people never took anything from them or borrow anything from them I do t understand how this spear to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: OneMain Finance Corporation
State: NY

Complaint narrative:
It a fraud I dont k ow this people never took anything from them or borrow anything from them I do t understand how this spear to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Nordstrom has one account on my credit bureaus that belong to my wife. My wife has a negative payment history on this account, so I respectfully request its removal from my credit bureaus. My name is XXXX XXXX XXXX, my wife 's name is XXXX. I would be very appreciative if this account could be removed from my credit bureaus as an authorized user immediately, thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
( 1 ) late mortgage payments 30 days and ( 2 ) 60 days on my credit report This payment was mailed and there was a delay in the mail. Check never made it due to Covid and the USPS. 
Once alerted by my credit report we contacted the mortgage company immediately. 
During our call to Fifth Third we paid that payment and explained the situation. 
All payments were made automatically via ACH after We need our credit cleared. 

We have never been late in our entire life. 
This is critical to our financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CT

Complaint narrative:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

NAVIENT is a creditor as defined by 15 USC 1692a ( 4 ). 

NAVIENT alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

NAVIENT is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account sinceXX/XX/XXXXand XX/XX/XXXX 

NAVIENT has failed to supply any record of payment under the original creditor SALLIE MAE as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -NAVIENT in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-NAVIENT in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- NAVIENT has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX SS # ( XXXX ) Capital One Checking # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX La XXXX I qualified of a PPP loan and was granted funds on XXXX XXXX and had funds disbursed to my Capital One checking that was noted above, yet the numerous request for supporting documentation was fulfilled and complied with the funds are still being restricted and considered fraudulent funds and I feel like I am being targeted for this loan because I am a XXXX female, because at this point see no other reason these funds are being restricted for me to conduct and run my XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
In XX/XX/2021 my account was being fraudulently charged via debit card nightly for a rental car from XXXX. I never rented a car from XXXX. I tried to resolve this matter with XXXX first. They told me I would have to contact my bank to get them to stop the charges. 

On XX/XX/2021 I called Navy federal credit union to explain the charge nightly to our debit card was unauthorized and asked them to stop the charges from coming thru as it was leaving us unable to keep money in our account for fear of it being debited fraudulently. 
After about 45 minutes on the phone, they ordered a new debit card told us it would be in the mail within a week. 

We thought the issue was resolved until we activated the new card a week later. Then we started receiving these declined transaction notifications every night again. 

We called the bank again as well as contacted XXXX in attempts to resolve this all the while unable to keep money in our account. Having to immediately withdraw any money being direct deposited into the account as the process to change direct deposits would have taken weeks and without pay during that time. 

On XX/XX/XXXX we had a successful debit of {$2800.00} come out of our account leaving our balance at - {$2400.00}. ( {$400.00} had just been direct deposited the same night and we hadn't had a chance to move it yet ) We called the bank again and they told us they would investigate it and in the meantime credited back the money. 

They then reversed the credit on XX/XX/2021 siding with XXXX originally. 

After escalating to the correct person we had the investigation reopened and on XX/XX/2021 they sent is a final determination letter letting us know they would not be reversing the newly paid credit and they were siding with us. 

Since that was resolved we have contacted the bank on 3 occasions to discuss the {$750.00} in returned item fees we were charged and paid during the period of XX/XX/2021 and XX/XX/2021. These fees only arose from their lack of action on our fraudulent transaction claim. 

The bank has since credit our account {$170.00} of the {$750.00} that were charged to us after we requested they stop authorizing these nightly charges. They refuse to take responsibility for their lack of action on XX/XX/2021 to protect our funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 my phone, wallet, and keys were stolen. A debit charge of {$3900.00} and a charge of {$1600.00} were able to be made without my authorization, as well as a credit charge of {$880.00} at a XXXX store in XXXX XXXX. 

After filing the appropriate fraud reports with Wells Fargo, the credit charge was returned/re-credited to my account as it was determined to be fraud, but the {$5400.00} debit charge claim was denied as it was determined to not be fraudulent. This is clearly contradictory, as the incidents occurred simultaneously at the same location. Wells Fargo claims that I authorized the charges over the phone, but I did not have my phone as it was stolen. Additionally, it is impossible that the thieves would have known/been able to use my pin number as it is an arbitrary number that only I know and is not recorded anywhere besides my own memory. 

Wells Fargo allowed my money to be stolen from my account without proper authentication, and refuses to reimburse the amount that they allowed to be stolen from 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