vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
FIRSTMARK took over our 8 loans ( XX/XX/2021 ) when XXXX XXXX sold our loans. We have twin daughters, XXXX XXXX XXXX and XXXX XXXX XXXX. We, XXXX XXXX and XXXX XXXX XXXX, parents and co-signers. Account Numbers : XXXX and/or XXXX and/or XXXX. Payments made : XX/XX/2021 {$30.00} & {$450.00} & $ XXXX XX/XX/2021 {$480.00} & {$430.00} /XXXX XXXX XXXX {$480.00} & {$430.00} / The process has been ridden with errors and misinformation, Our on time payments were reversed when FIRSTMARK used former banking info from 6 years ago. We did supply FIRSTMARK with the correct banking intuition, I have called to make payments and also made payments at the FIRSTMARK website. We are being inundated with phone calls and e-mails from FIRSTMARK requesting payments. I have answered all calls, given each FIRSTMARK rep the correct/updated info. Our credit rating is being affected. We want to manage these loans, make payments on time, receive and give the correct and updated information. I have e-mailed Firstmark, phoned customer service, waited on hold, reached out for help and have had NO RESPONSE from FIRSTMARK. This company has called me over and over and over again requesting a payment that was MADE ON TIME. The calls are all recorded, please listen to me explain over and over again, request a supervisor to correct or ask for help.. I have requested paper statements, told were not available to print and send. No person has ever called or reached out to us XXXX XXXX, we never had a problem with, Firstmark has the worst customer service I personally have had the misfortune to work with. We have made three payments to Firstmark since XXXX of just under {$1000.00} each month. No action has been taken by Firstmark other than to continuously call and e-mail. Also, there are statements dated XX/XX/2021 for a XXXX XXXX, XXXX XXXX, in New Jersey. This is not me. This entire process borders on harassment. Please I need help. I thank you for your time. Please advise if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
There are fraudulent accounts on my credit report and I have disputed these information with all three bureaus. Only XXXX has complied and blocked the information, however experian and XXXX  have failed to comply with the FCRA and remove these accounts. I have filed a police report with XXXX and also a FTC report and forwarded them to the bureaus, however they keep making unreasonable and unrealistic statements such as the report not being valid. Please investigate this issue and help me have these accounts removed

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 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This complaint is a follow-up to a complaint about TD Bank that I filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, CFPB Case # XXXX. Upon receiving a response from TD Bank on XX/XX/XXXX, in the form of a letter addressed to me dated XX/XX/XXXX from XXXX XXXX. XXXX, Vice President of TD Bank 's ATM Channel, the CFPB closed my complaint, noting that the complaint was " closed with monetary relief. '' As part of its procedure when a case is closed, the CFPB requested my feedback to the Bank 's response, allowing me until XX/XX/XXXX to provide this feedback. I did so today, XX/XX/XXXX. Attached is a CFPB-generated document that encompasses my complaint, TD Bank 's response to my complaint, and my feedback ( my response to TD Bank 's response ). The CFPB calls this document a Complaint Detail ; I have added today 's date in naming this document. 


When you study the attached Complaint Detail you will observe that, in my response to TD Bank 's response ( hereinafter, my response ), I noted the fact that the CFPB feedback procedure does not permit evidentiary documents cited in the feedback to be attached thereto. Furthermore, after I submitted my response, I was disappointed to see that the text of this lengthy response, which I had written as numerous paragraphs for easy and peaceful reading, had become one unbroken piece of text, giving it the appearance of an emotional diatribe, a rant, instead of a logical argument. 


Accordingly, I am also attaching to the instant complaint a document entitled " response to XXXX,, XXXX '' that contains the text of my response in the paragraph-subdivided format by which I composed my response and intended for it to be read. 


Moreover, for the reader to be able to fully understand my response to Mr. XXXX 's letter, it is necessary for the reader to read his letter, preferably before reading my response thereto ; accordingly, I am making his letter easily accessible by attaching a scan of it hereto as a document entitled " XXXX letter, XX/XX/XXXX. '' Finally, I am attaching the evidentiary documents cited in my response that CFPB procedures did not permit me to attach to that response : three self-evidently entitled letters issued by TD Bank denying the three corresponding claims that I made to the Bank ; a document entitled " Secure Messages, XXXX, '' that contains my email correspondence on that date with a TD Bank customer service representative named XXXX ; and finally a document entitled " Reg-E Claim, filed XXXX, '' which consists of my third claim to TD Bank unlike my first two claims, which I filed myself, this one was filed on my behalf by employees of the TD Bank branch closest to my residence, namely the XXXX XXXX branch and the response thereto on XX/XX/XXXX by a TD Bank investigator named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2017 with a balance of {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Student Assistance
State: AZ

Complaint narrative:
" AMERICAN STUDENT ASSISTANCE " HAS A {$160000.00} STUDENT LOAN " DEBT '' reporting on these credit bureau incorrect information a debt that does not exist. This is causing injury, and hindering my life as a consumer. XXXX XXXX, and XXXX  credit bureaus, continue to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I applied for XXXX XXXX online on XXXX of XX/XX/2021 at XXXX. They took my information to per-qualify me. Although my credit score was excellent they rejected my application for no possible explanation and asked me to call XXXX in XXXX. 
I called them and they told me they don't have this car in their storage for a long time and they are not going to have it in the near future. They didn't even tell me when they can bring this car. 
My question is that when they don not have this car, then why they still accept an online application?! And worse, why they run TWO hard inquiries?! 
They should have noticed me that this car is not available.

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I would like to report you a mortgage fraud. 
In 2013 Wells Fargo Home Mortgage supposed to mail me a {$2200.00} check with the remaining of my mortgage account balance ( mortgage account number XXXX ), but after some check delivery problems and several phone conversations they promised to deposit it to my new Wells Fargo refinanced mortgage account ( after refinancing, the new mortgage account number XXXX ). 
I've contacted the bank several times by phone to verify it. The bank employees could not provide any documents but every time insured me that everything is O.K. and money is in the right place.

Recently I've contacted the bank again and requested the proof that my money is deposited the right way.

Another bank employee emailed me a copy of the check telling that I got this money a long time ago.

This is not true. I have never deposited this check and my signature on the check was forged.

When I asked him who and when received my money, the bank representative could not give me this information.

I noticed that my signature was forged by somebody who saw my real signature and suspect that is bank employees who stole and cashed my check, and was deliberately hiding the information about it for several years.

I think there is or was an organized criminal group operating in the mortgage department who stole my money and making everything that I could not report it to the police in timely manner deliberately feeding me false information to postpone the investigation. As far I know this type of checks is not even possible to cash without depositing to the owner 's bank account. This is definitely Wells Fargo Home Mortgage fault.

Please open an investigation about this incident I recently learned about.

Please see the attached copy of the cashed check and let me know if you have any questions. 

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 2021-09-02 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:
I have submitted written requests to all 3 Credit Bureaus disputing inaccurate information that should be removed and it has been 30 days with no results.

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 2021-09-02 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: PA

Complaint narrative:
I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 submitted disputes and an FTC report for the following fraudulent account : XXXX {$7300.00} This account is listed on XXXX  and Transunion.

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 2021-09-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: MI

Complaint narrative:
US DEPARTMENT OF EDUCATION continues to ignore all proof of claims regarding a dispute for over 3 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX  XXXX XXXX closed my accounts with out giving me any reason when I called to asked why I was told they did not have to give me a reason. Seeking for answers I received my report from Early Warning and its suspected that there was fraud but instead of XXXX  XXXX XXXX just telling me to try and resolve the matter they closed my account.I had direct deposit going into the account at the time. I have reported fraudulent activity on the account many times. Ive been a victim of identity theft on multiple accounts that were opened with out my knowledge with multiple institutions and have been disputing to clear my name and also my credit. I have been denied by other banks and credit because of what I have found on My Early Warning Consumer Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: PA

Complaint narrative:
I submitted disputes and an FTC report for the following fraudulent account : XXXX {$7300.00} This account is listed on Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
XXXX Equipment return amount owed to XXXX. Debt collection Enhanced Recovery Company XXXX XXXX XXXX XXXX FL XXXX Attempt an amount of {$280.00} under XXXX debt through XXXX  reports, XXXX XXXX XXXX Returned Equipment And Correct Balance is XXXX owed. Debt is inaccurate documentation provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: CA

Complaint narrative:
THE US DEDPARTMENT OF EDUCATION - Great Lakes Higher Education is reporting to credit bureaus while, these companies continue to ignore all proof of claims regarding a dispute for over 2 months and with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. And an immediate removal of these inaccurate debts. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TX

Complaint narrative:
This account does not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-09-02 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: TN

Complaint narrative:
I Have Been a victim of Identity Theft.

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 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$43000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.

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 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2001 with a balance of {$950.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TX

Complaint narrative:
This account does not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TX

Complaint narrative:
This account does not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-09-02 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: TN

Complaint narrative:
I Have Been a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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:
I, XXXX XXXX XXXX identify as a natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The following Capital One Walmart MasterCard credit card account : XXXX is a fraudulent account. The account was opened fraudulently. Its not my account. I never applied for the Capital One Walmart Credit Card. Its a fraudulent account from the result of identity theft.

Company response to consumer: Closed with non-monetary relief