vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX of 2020, I discovered that I had become a victim of identity theft. After being denied for a credit card, I checked my credit report and saw several XXXX XXXX in total ) student loans that had been taken out in my name totaling $ XXXX. All of these loans are open and have not been paid on for years resulting in them continually gaining interest. I sent in a letter notifying all XXXX credit bureaus that my identity had been used fraudulently, along with a FTC affidavit and a police report but they refused to block the account stating that it was " validated ''. When asked why they refused to block the accounts when I'm showing adequate proof that the accounts were not mine, and provided them with the proper documents needed to have the accounts removed they declined to answer. 

I followed up by requesting that the creditor provide me with details on what method they used to " validate '' the account, all while forbidding them from using E-Oscar to do so but they disregarded my request and sent another letter stating that all XXXX accounts were validated. I specifically requested that they provide me with physical proof of a contract with my signature showing that the debt is mine but again, they ignored my request and continue to state that the debt was " validated '' with no physical proof nor explaining which method they used to do so. 

Recently, I sent in a letter of Notice to XXXX of Information to the creditor to let them know that per the FCRA, they MUST report accurate information only and once again, they ignored my claim and continued to state that all accounts were " validated ''. Time and time again they have continued to violate the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I made three payments through the Pnc bill payer to the XXXX XXXX   under the nick name XXXX account on : XXXX {$30.00} XXXX {$50.00} XXXX {$30.00} None of the money has been applied to the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I answered a phone call from an unknown number who stated I owed for a {$990.00} purchase in a paypal credit card. 

Ive never had a paypal credit card and it doesnt show up on my paypal account, or any credit report I run. 

They filed it as fraud then found it to be valid. 

XXXX XXXX XXXX said there was only XXXX purchase in the account and no payment was ever made. 

They are threatening league 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 2020-06-15 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, DPT ED/XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, DPT ED/XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: TX

Complaint narrative:
I have been trying to pay off my mortgage with Chemical Bank ( XXXX MI ) since XX/XX/XXXX. The mortgage servicer did not provide payoff statement, as repeatedly promised during my more than one dozen attempts to get them to send me a payoff statement. They kept sending me encrypted emails linked to their website that directed me to another individual 's phone number for security password, and repeatedly sent me loan transaction statement instead of payoff summary. I made two payments, one on XX/XX/XXXX representing majority of the payoff, which was " misplaced '' for two weeks when I talked to the same rep who I informed of the payoff payment 's coming. No one contacted me back after they committed to have the payoff dept contact me, about 10 times, XXXX minutes later, I still don't have a payoff statement that ties to the correct payment date and interests. I made another payment XX/XX/XXXX after waiting for two weeks with no avail, which they haven't applied still. Fees were added at various amounts for " recording fee '' yet no accounting statement of final interests, fees, and principle with correct dates and interests. I was told only one person from the payoff dept is able to get me a payoff statement yet she absolutely would not talk to me to answer any question. The reason I wanted to close and payoff this mortgage was exactly because during the servicing period since the mortgage started in XXXX, they repeatedly made mistakes, escrow insurance when I had my own coverage, then placed a fee, three years in a row same practice. Such bank is very scary to handle this type of transaction of this size. I have sent a large payoff amount then contacted them the very next morning, how could you " misplaced '' it? I hope other consumers will learn about my experience and do not do business with such a bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15 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: GA

Complaint narrative:
XXXX credit reports that I applied for a XXXX XXXX XXXX card on XX/XX/XXXX. This activity is fraudulent. I have called XXXX XXXX XXXX hotline and ensured them it was fraudulent activity and they recommended I dispute here. This activity needs to be removed from my XXXX  credit report. 

On XX/XX/XXXX, XXXX reported that I took out a Kohls/Cap One card. This activity is also fraudulent. I have reached out to Kohl 's hotline as well and ensured them it was fraudulent activity. This also needs to be removed from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This letter confirms the conversation I had at your XXXX XXXX with XXXX XXXX, Bank Representative on XX/XX/2020 about my request below. 
I am the owner of account # # # # # # #. The account is closed. 
I am disputing the following transaction ( s ) that were charged to my account. 
Date XX/XX/2020 XX/XX/2020 XX/XX/2020 Amount $ XXXX $ XXXX {$1200.00} Merchant Name Chase Bank Chase XXXX XXXX XXXX Ref. # Misc. Debit Debit DDA- Check  Charge Fee DEPOSIT ITEM RETURNED FEE Deposit ATM CHECK DEPOSIT XX/XX/XXXX71 T [ ] I did not make or authorize these transaction ( s ) that appear on my account. 
A check was deposited through the ATM to my account in the amount of {$1200.00} by mistake. Upon discovering the error, I contacted Chase Bank, # # # # # # # # # # # # #, # # # # # # # and XXXX XXXX in an effort to resolve the issue. 

With exception to Chase Bank the consensus XXXX XXXX on behalf of # # # # # # ReCall in the amount of {$1200.00}. 
Chase Bank determined that a Debit DDA Check Charge in the  amount of {$890.00}. Chase has also claimed a check was mailed to my address closing balance of {$890.00}. The account was then closed. I have enclosed the following documents Attached please find the letter I provided to Chase Bank on XX/XX/2020 1 ) The Print Image 2 ) The Invoice Stub 3 ) Unclaimed Property 4 ) Transaction Search 5 ) Chase Liquid Summary 6 ) Transaction History XX/XX/2020 and XX/XX/2020 7 ) Earning Statement. 
I anticipate your immediate attention to this matter and await your determination that and response to this matter and immediately must be returned to Original CO Name # # # # XXXX. 
lists the unauthorized transactions and the transaction in error. 
Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 
On XX/XX/2020 I requested a recall in the amount of {$1200.00} after discovering I deposited the wrong check in my account. 
Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax - Fail to Respond letter XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear Equifax, This letter is to inform you that the debt collector, XXXX XXXX XXXX has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. 
Under the Fair Debt Collection Practices Act, XXXX XXXX XXXX, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response. 

Under both State and Federal consumer law, I have the right to have my debt validated, and XXXX XXXX XXXX is obligated to respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that XXXX XXXX XXXX received my Validation letter.

This letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. 

Please be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has a charge off on my credit report that was paid in full through " gap '' insurance. 
this account has been reporting delinquent to my credit sine XXXX  2018. 
capital representative confrimed to me over a recoreded line. that they did in fact receive all the documents and payouts to settle this account in 2018. i was not aware of this until recently. ive previously disputed this account with all three credit reporting agenices. XXXX, transunion and XXXX  reported this account as been certified to there agency. which i know NOT to be true. XXXX, transunion and XXXX  has not or ever contact me to validate the accuracy of this account. they never contacted me to verfiy this account. i was never asked or given my premission to have said account reported to my credit profile. there was never even proof that i was ever offically notified of this account being placed on my credit, late, charged off or the methed they was to certify that this account and or where they got the certification that his account was in deed my and 100 % accurate.

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 2020-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX has a charge off on my credit report that was paid in full through " gap '' insurance. 
this account has been reporting delinquent to my credit sine XXXX  2018. 
capital representative confrimed to me over a recoreded line. that they did in fact receive all the documents and payouts to settle this account in 2018. i was not aware of this until recently. ive previously disputed this account with all three credit reporting agenices. XXXX, XXXX  and experian reported this account as been certified to there agency. which i know NOT to be true. experian, XXXX  and XXXX  has not or ever contact me to validate the accuracy of this account. they never contacted me to verfiy this account. i was never asked or given my premission to have said account reported to my credit profile. there was never even proof that i was ever offically notified of this account being placed on my credit, late, charged off or the methed they was to certify that this account and or where they got the certification that his account was in deed my and 100 % accurate.

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear, Im XXXX years old and trying to refinance my home but there are two disputes on my credit report ( XXXX  ) that never go away and XXXX XXXX handling of disputed tradelines ( XXXX ) I dont have an account with them and B of A Can not find either but the last accounts number XXXX and XXXX And can caused financial injuries if I can not refi. 
Please see attachment

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 2020-06-15 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
On XXXX I tried to finance an XXXX at XXXX XXXX XXXX and the advisor who helped me told me that there was no bank that would help me finance the XXXX because of a debt collection I had of {$590.00} of a medical bill but I had investigated the debt that I supposedly owed through the XXXX XXXX and XXXX XXXX and told me my debts were paid.

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 2020-06-15 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX  credit reports that I applied for a Best Buy CitiBank card on XX/XX/XXXX. This activity is fraudulent. I have called Best Buy 's hotline and ensured them it was fraudulent activity and they recommended I dispute here. This activity needs to be removed from my XXXX  credit report. 

On XX/XX/XXXX, XXXX  reported that I took out a XXXX/XXXX XXXX card. This activity is also fraudulent. I have reached out to XXXX XXXX hotline as well and ensured them it was fraudulent activity. This also needs to be removed from my XXXX  credit 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 2020-06-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The payments on the student loan was deferred from Wells Fargo Bank in XX/XX/2020 due to the current pandemic COVID19. Wells Fargo Bank still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XX/XX/2020 which was incorrect. There was no communications either through written mail or phone from Wells Fargo Bank from XX/XX/2020 through XX/XX/2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted Wells Fargo Bank stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and Wells Fargo Bank still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had my name legally changed on XX/XX/XXXX, and updated eith the Social Security XXXX XX/XX/XXXX, and officially with XXXX XXXX ( my student loan agency ) on XX/XX/XXXX. They have submitted my updated name on the reports every end of month since the update- as I have been told today, XX/XX/XXXX, around XXXX XXXX  XXXX. My ID was changed as of XX/XX/XXXX. I have contacted the company a few times to try to get it processed, yet nothing has come of it, and the representatives are never able to 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 non-monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I had a rental unit for an employee that I was paying for, inclusive of the electric and water. On XX/XX/2019 our lease was up and we moved. The XXXX XXXX XXXX XXXX was canceled and XXXX  was installed, the water was canceled and my employee started his own account for water, and when we called in to XXXX XXXX to transfer the service, they informed us that they didn't service the area and referred us to XXXX XXXX. Eight months later Helvey & Associates , Inc. hit my credit reports. I was not contacted at all from XXXX XXXX for the 8 months. I am assuming they failed to disconnect the account and are attempting to charge me for the next tenant that moved in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation