vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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: MI

Complaint narrative:
. 
These accounts were add without my written consent, I'm demanding all accounts and inquiries be removed immediately. 
They will say the debt needs to be verified first, REPLY. IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm XXXX agent pursuant to 15 usc 1602 o I'm the administrative agent I'm not the owner the social security card belongs to the social security XXXX I have to give it back upon request, so therefore, I'm not the owner! I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt. 
You're talking to the consumer, they can't validate any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge. 

15 USC 1681a ( e ) it stayed you have to do personal interviews with neighbors, friends or anyone associated with the consumer with is myself '', you guys didn't do that! 

Now under the law my federal consumer rights, according to 15 USC 1681b ( a ) ( 2 ), I'm instructing right now to remove all the accounts and inquiries according to my written instructions I don't consent to any of this being reported, I do not give you guys permission to furnish any of my information.

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 2021-11-29 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: FL

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We were charged by Rooms to Go for an item that was not received. We filed a police report regarding this matter but Sychrony Bank, which issues the Room to Go credit card, has refused to assist us in this dispute since the merchant is not responsive.

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 2021-11-29 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: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
i have written XXXX XXXX, Transunion, and experian to investigate this account and that it is reporting 100 % accurate and factual... ..each time they write back and say that it is verified as accurate,,, ,how is this so? they did not investigate this account as look at the inaccurate reporting on my credit report that i have attached ... ..it says that it is an open account and it also says that it is a charge off ... how is that possible? it can not be both... .one is reporting 0 months in terms and the other is reporting 0 ... .the comments are way different between bureaus ... ... ..the date of last active are different between bureaus ... ..account type detail is are different between bureaus ... .they are just pencil whipping this and not conducting proper in investigations ... this is just what i see with my untrained eye ... if they are investigating this as they should be they should be catching this right away with their trained professional eyes.

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 2021-11-29 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 written XXXX XXXX, XXXX, and experian to investigate this account and that it is reporting 100 % accurate and factual... ..each time they write back and say that it is verified as accurate,,, ,how is this so? they did not investigate this account as look at the inaccurate reporting on my credit report that i have attached ... ..it says that it is an open account and it also says that it is a charge off ... how is that possible? it can not be both... .one is reporting 0 months in terms and the other is reporting 0 ... .the comments are way different between bureaus ... ... ..the date of last active are different between bureaus ... ..account type detail is are different between bureaus ... .they are just pencil whipping this and not conducting proper in investigations ... this is just what i see with my untrained eye ... if they are investigating this as they should be they should be catching this right away with their trained professional eyes.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Received a notice that I requested a new account with Wells Fargo. I did not request the new account. A few days later, via USPS I received a credit card for Wells Fargo and a letter. I took the confirmation letter to the local Wells Fargo banker in XXXX on XXXX XXXX, he spent some time with me trying to determine the status of the account, then told me the account was now on hold. He also gave me some tasks to complete, to get with the local police department ( which I did ) and to contact the Credit Reporting companies ( which I did ) to make them aware of possible identity theft. 

Recently I received a third letter from Wells Fargo about my checking account and thanking me for being a " loyal Wells Fargo customer ''. I took that letter to the local Wells Fargo banker in XXXX. The banker said he thought all was well, because the account was on " hold '', but in a few days I should call the 800 number on the letter and check to be sure. 

I called the 800 number ( XXXX ), was placed on hold, then was told someone would call me back. XXXX of Wells Fargo returned my call, I explained the situation, he said that Wells Fargo could only place the account on " Hold '' and it would be " Frozen '' and then he said he would " close '' the credit card 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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I had 6000 stolen from my account. I tried to stop the theft from occuring by calling the bank and telling them my account passwords were changed and compromised. But they kept the account open and 1k was stolen on that night. The bank said that because I still had my card present they couldn't refund me the money. Now my account is negative 1k and I'm so frustrated and feel robbed by them. I even went into the branch and told them and they just assured me I'd be taken car of but we're late submitting my claim. They said it's impossible to duplicate a card but it isnt and they are being duplicated as mine was please help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 2020

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 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
This is the 2nd time a collection agency has attempted to collect debt from me for a phone service that isn't mine. I have never been a XXXX customer. The first time was XX/XX/XXXX with XXXX XXXX and now Diversified ADJ SVC is claiming to collect money. The amount is for {$2200.00}. 

I didn't even get any mail or emails from this collection agency stating I owe anything, it just showed up on my credit report one day. It was opened on XX/XX/XXXX but I didn't get a notification until early Nov with XXXX XXXX I tried disputing it with XXXX credit report dispute on XX/XX/XXXX and they said I needed further investigation. 

The original Creditor name is XXXX XXXX listed on my credit report. 

How do I resolve this so it does not happen again?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet intial loan balance changed from time of loan after paying on time for XXXX years the loan amount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and XXXX XXXX XXXX and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX. I need a mediation of the original loan documentation that Nelnet state that they can not provide. I have only taken a=out a student loan in the amount XXXX but owe more than XXXX based on what I am paying and on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received about XXXX marketing offers from American Express throughout 2021, explaining that I was pre-approved for an account with them. 
I applied for an American Express account on XX/XX/2021. I received notification that I was approved for an account, and that a new card was coming to me. I received a notification of account cancelation on XX/XX/2021. On XX/XX/2021, I received the card in the mail and attempted to activate the card. I was unable to activate the card, as I had expected due to the notification I received in my email on XX/XX/XXXX. I spoke to XXXX different representatives, who all told me that they would be unable to remove the credit inquiry from my report as I had requested. My issue is that I was misled by American Express into believing that I could open an account with them again, because they sent me many pre-approved marketing offers. If they had banned or blacklisted my account for a period of time, or permanently, then I should have received information explaining that if I apply for an account again, I will not be approved and my account will automatically be closed. I would like American Express to remove this credit inquiry from my report as they purposely misled me into applying for an account when they had no intention of honoring the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I received a call from Diversified Adjustment Services , Inc that I owed money concerning an old bill with XXXX. I previously paid {$740.00} to XXXX XXXX for the same account. I was advised by Diversified Adjustment Services that XXXX had added additional fees and charges to account after I made the arrangements to pay off the balance with XXXX XXXX I request documentation that show what the additional balance was for. I received XXXX statements both of which has not provided a itemized statement showing how I owe an addition {$230.00}. Diversified Adjustment Services has threatened to report this information to the credit bureaus ruining my changes of obtaining a home or car loan in the future unless this debt is paid. I have spoken to several representatives who can not explain where this additional balance is coming from. I have also sent documentation confirming the balance paid with the prior collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
Let me begin stating we had Never missed a payment prior to Covid-19. Due to Covid-19 the main provider in the home was furloughed from his position. Around XXXX or XXXX of XXXX we were sent information about rent and mortgage deferment to help those affected by the Coronavirus and accepted that solution. We could be in a better place to make regular payments in XX/XX/XXXX. However, I received a letter indicating we must come up with the entire deferred amount or default. That amount is {$26000.00}. We could not possibly make such a payment. We are asking was that supposed to be the case as part of the covid relief? I XXXX any help!

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 2021-11-29 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-11-29 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: NV

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: WI

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
When I originally opened this account, my due date was set before I ever received and electronic or physical information to create an online profile. When I did get my account information, I already had a late fee. I had to work with them to get this waived and adjusted. 

6 months later my primary bank replaces all my debit cards for a information security breach and effecting this payment. I called to correct the issue but now it was to be processed 1 day " late '' because an EFT takes 3 business days for them to credit you account, causing it to be a day late and they were going to add a fee again. Once again had to get an exception for something out of my control. 

Today I received a collection call at XXXX am local time from them for a amount due yesterday. I tried accessing my account online and had to reset my password. It locked me out and I could not get anyone via phone to make payment due yesterday ( Sunday ) after holding 2 hours. Once again late fees were assessed and they refused to waive them because since I had already been waived fees. Not only was I not provided a regular account manager/agent, I was sent to a collections department. 

This is a 0 % financing dealing and as soon a you are " late '' they get to charge interest on the whole financed amount. They are intentionally making it difficult to make payments, get a hold of them, or remedy any situation not caused by yourself ahead of time on time in order to create false breaches in contract language in order to start charging interest and fees. 

If you set up auto pay they take the money several days prior to the due date. They are playing a float and games in order to profit unfairly. They also violating Fair Credit and Collection Practices by frequently calling ( several times in a day at my work ), calling before and after acceptable times on amounts less than 24 hours past their date. It requires a formal letter to put me on a do not call list. 

I paid this account off in full immediately, but once again it requires formal letters or online access, social security numbers, etc to close the account. The account they had pulled up and were looking at to collect! Ironically they could not provide me a written, emailed or texted confirmation of payment and was told to wait for may monthly statement. 

This bank if not consumer friendly and is praying on people with easy approvals and high fees and interest charges with predatory lending practices created so you will violate their terms to maximize these fees and charges.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Oasis Legal Finance Holding Company, LLC
State: GA

Complaint narrative:
Pa paperwork with wrong address and and unauthorized amount for {$2200.00} I made XXXX transactions for {$1.00}, XXXX the XXXX XXXX I did not authorize for {$2200.00}. XXXX XXXX from Oasis Financial sent me contracts with wrong address dates and amounts that I did not receive I only borrowed {$3.00}, XXXX XXXX XXXX and XXXX XXXX took XXXX for XXXX I paid off my loans in XXXX months but no one can or had explained how XXXX go up to XXXX in less than a year of the XXXX XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX XXXX XXXX... Oasis Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: AZ

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation