vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc
State: FL

Complaint narrative:
I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from XXXX XXXX XXXX in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX a Wells Fargo XXXX was sent to a person I have never heard of in the amount of XXXX. That money was provided to me through 2 different loan companies to pay my rent. I filed a fraud claim on XX/XX/XXXX, closed the account that my money was stolen from, and opened a new account with added security as the bank suggested. I was told by the bank that I was approved for provisional credit but the bank denied me. Wells Fargo denied my claim on XX/XX/XXXX stating I compromised my account by giving the loan companies the information to make a direct deposit into my account. I have never sent money through XXXX and its illogical to think I would send someone all my money that I dont know. The agents were rude and I felt like I had been victimized twice. I went to the XXXX XXXX branch and they refused to help me. I offered to let the investigator at Wells Fargo look at my phone but I was told that wouldnt be necessary. Wells Fargo then proceeded to push through both payments to the loan companies when my account balance was ZERO. ( Its negative XXXX ). On XX/XX/XXXX I received an email from one of the loan companies stating that Wells Fargo had provided them with my new account information! So, they can deny my claim on an accusation of compromising my account but its okay for them to do it? I have requested, several times that they send me the reason my claim was denied, in writing, but as of todays date XX/XX/XXXX, I havent received anything. The person that stole my money is registered with XXXX because the name appeared on my transaction log so why havent the investigated, questioned, or arrested that person for fraud? As a result of my money being stolen, Wells Fargo not investigating my claim, and refusing to go after the criminal not the victim ... I became XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX, no money for gas to get to work so I lost my job, no money for food which has resulted in me losing almost 40 pounds, XXXX  XXXX, XXXX, and XXXX XXXX. I am a XXXX XXXX XXXX woman that doesnt have anyone to help me. Please ... I am begging for your help in getting my stolen XXXX back and the negative XXXX put back into my account. I never requested overdraft when I opened my account but I did receive a XXXX bonus when my first direct deposit was put in my account. I contacted XXXX but was told that my bank was responsible for allowing this transaction and since I am a victim of fraud, I am entitled to REG E protection. I have also sent a complaint about Wells Fargo to the 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 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: FL

Complaint narrative:
I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from ENHANCED RECOVERY COMPAN in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing a complaint in regards To the three credit bureaus Experian, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from XXXX XXXX XXXX in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.

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 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Everything on my report is wrong

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 2020-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Sometime In XX/XX/XXXX sentry collections placed a collection on my account for an account with XXXX which I do not own. 
I filed dispute with TransUnion which resulted in the dispute being deleted. 
On XX/XX/XXXX sentry credit in violation of fcra places same collection that was disputed in XX/XX/XXXX as a new account on my credit report. 
TransUnion in clear violation of fcra without evidence supporting the relist of a prior deleted information and notice to inform me within 5 days reported the deleted information on my 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 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Everything on my report is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Everything on my report is wrong

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 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i wrote XXXX XXXX equifax settlement remove me from settlement because they participated in fraud or were duped. equifax leaked deliberately to blackmail purchase of credit monitoring. 

remove all fraud allerts equifax remove all credit monitoring i cant call equifax because i only got wired phone. no cell phone means im dead to equifax. 

equifax remove all promotional blocks now and forever verifyy all with immediate complete free credit report by usps. 

no electronic communication

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaint is simple. I have a credit card account that is closed due to a hardship and we settled on a 60 month payment plan. However, Experian is still showing I have a credit limit even though the account is closed and thereby causing my credit report to show I am using 100 % of my credit which is false. On XXXX it is correct. XXXX is showing the true credit utilization rate but Experian is not. So when try to apply for financial services of any kind I am unable to get approved. This is causing me additional hardship due to not being able to come out ahead in my financial situation. I already filed a dispute but was not successful. I talked to an Experian representative but no luck. Sent a second dispute but no luck. Called credit card company but nothing they can do because it is already closed. So I need help with showing my true and correct credit utilization rate.

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 2020-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Appeal appeal appeal Chase manhatten bank REFUSAL Since chase manhatten continues to refuse to send me MY Legally entitled to documents in my names # 1 non authorized lines of creditXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Signed off by the Vice President chase manhatten XXXX XXXX California XXXX XXXX as recorded and attached at city of XXXX  XXXX va Deputy XXXX XXXX. 
ALL GRANTED AS SOLELY IN MY NAME XXXX XXXX BY XXXX XXXX XXXX UNAUTHORIZED TRANSACTIONS # XXXX XXXX RECORDED MERS LOAN against my sole residence XXXX XXXX XXXX XXXX va. A CD certificate # to XXXX XXXX  XXXX  XXXX va showing 100 % ownership. 
WHERE ARE THE DOCUMENTS FOR THIS CERTIFICATE ATTACHED TO THIS CFPB APPEAL # 3unauthorized MERS # XXXX CHASE MANHATTEN LOAN IN MY NAME XXXX XXXX XXXX Not authorized by me # 4 I was sole qualified owner and I paid XXXX XXXX dollars for down payment of a LOAN THAT CAN NOT BE FOUND .As per deed attached from city of XXXX Virginia in the name XXXX XXXX XXXX XXXX  XXXX . 
ET AL entity unauthorized. 
# 4 CHASE ACCOUNT OF XXXX AND XXXX ( attached on 1 XXXX  credit report that has numerous fraud activity on and still is not corrected but I am working on that ) THAT WILL PROBABLY SHOW WHERE my XXXX XXXX dollar proceed check of XX/XX/XXXX from my sole residence XXXX XXXX XXXX XXXX  XXXX va As per XXXX XXXX and XXXX XXXX review of all my documents trying to locate my accounts in bank of XXXX XXXX va.their findings found that my monies must have been transferred to a Chase Bank ALONG WITH MY LIFE SAVINGS XXXX XXXX DOLLARS AND THE CERTIFICATE MONIES AND XXXX XXXX DOLLARS FROM THE SALE OF THE RECORDED MERS LOAN OR THE MISSING LOAN. 
CHASE BANK I NEED ONE OF YOUR FINANCIAL CRIMES DETECTIVE INVESTIGATORS of your fraud department TO INVESTIGATE THESE transactions that took place in my names and issue me copies of these transactions. Your executive representatives that chase has been referring me to do not possess the skills as a fraud specialist of your organization would to locate these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
1. Conserve collection agency alleged I owe {$5900.00}, this information is inaccurate and not validated. 
2. Conserve Collection Agency fail to contact me about alleged debt before reporting the debt on my credit file with the 3 major credit bureaus ( XXXX, XXXX  and XXXX  ). 
3. Conserve Collection Agency failed to respond to my validation request letter within 30 days of receiving it. Return receipt and certified mail received and signed by conserve collection on XX/XX/XXXX. Under both State and Federal consumer law I have the right to have my debt validated, while CONSERVE Collection is  obligated to respond within the statutory time limit. 
4. I sent a follow up debt validation letter on XX/XX/XXXX, as a reminder to Conserve Collection Agency with no reply as of date. 
5. CONSERVE COLLECTION AGENCY reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX  and XXXX  ) this action might constitute fraud under both Federal and State Laws. 
6. Conserve Collection Agency is legally obligated not to report a debt that has not been properly validated to any of the credit bureaus.

7. Conserve Collection requested for copies of my credit report file from the credit bureaus without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
OPENED TWO ACCOUNTS FRAUDULENTLY XXXX AND XXXX XXXX REMOVED CREDIT CARDS THESE ACCOUNTS FROM MY CREDIT REPORT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
OPENED TWO ACCOUNTS FRAUDULENTLY XXXX AND XXXX XXXX REMOVED CREDIT CARDS THESE ACCOUNTS FROM MY CREDIT REPORT THANKS

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 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
OPENED TWO ACCOUNTS FRAUDULENTLY XXXX AND XXXX XXXX REMOVED CREDIT CARDS THESE ACCOUNTS FROM MY CREDIT REPORT THANKS

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 2020-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Superior Adjustment, Inc.
State: MI

Complaint narrative:
My credit score dropped 29 points because Credit Check in XXXX, MI reported that I had a delinquent account in the amount of {$140.00}. I called Credit Check on Monday, XX/XX/XXXX to let them know that I had made that payment on XX/XX/XXXX. The person that I was speaking to looked up my information and confirmed that the payment had in fact been made and this was human error. I explained that my husband and I are in the process of looking for a new house and the drop in my score was obviously having a negative impact. He told me that he would contact the credit bureau and tell them that this was their mistake and have this removed from my credit report immediately but said it would take 7-10 days to show. It has now been 13 days and the delinquent account is still on my report and negatively affecting my credit score. This was 100 % their mistake and they have not resolved this issue in a timely manner. Im extremely frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card ( Goldman Sachs ) placed restrictions on my card. To which I was not informed until I tried to use the card. When I called I was told they cant give me the reason the restriction was placed and that I would receive a call with an undisclosed timeline. Week later, restriction removed but no call or email explaining what happened or why. Called them again and received no information on what happened and they were adamant that they could not give me any information and that I would receive and email at some point. This is unacceptable support for a financial service. Ive never dealt with any bank that treats customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascendium Education Group
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation