vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/21 I opened an online dispute with Experian with regards to the accuracy of the bankruptcy they have listed on my report. I specifically disputed the court name and the reference number of the bankruptcy. On XX/XX/21 I also uploaded dispute documents on experian.com/upload and received confirmation that documents were uploaded. On XX/XX/21, I received a response stating that the information reported is accurate. I proceeded to call their dispute center and on my first attempt, I was greeted by a very belligerent agent named " XXXX from the XXXX team '' who was very unprofessional and refused to transfer me to a supervisor, after giving me some confusing answers. On my second attempt, the agent was more professional however, he told me that he had to transfer me to the department that would be able to see the documents I uploaded. It just so happened that the person he transferred me to was just another one of his colleague, who was definitely more professional and confirmed to me that there's no such department. 

He told that he could not see any of the documents I uploaded which leads me to conclude that 1/Experian did not care to verify the documents I uploaded to support my dispute and upload them into my profile ; 2/ I'm seriously concerned about their statement that " The company that reported the information has certified to Experian that the information is accurate. ". It shows that they did not actually investigate the disputed items because I did upload proof that their furnisher of the bankruptcy removed the erroneous bankruptcy item from their report, as they were reporting it inaccurately. So this is a blatant lie. 

If this isn't proof that they did not bother to actually investigate this dispute, then I don't know what it is. I sent those same documents via mail on XX/XX/21 however I doubt the outcome will be different. 
I have reached out to their furnisher of the bankruptcy and I was told they did not receive an inquiry from Experian to verify the bankruptcy however, they have submitted a request for a " manual verify ''. I reached out to Experian again and the person I spoke to just reopened another dispute. At this point I'm not confident they actually investigate these requests. 
It seems like I don't have any options other than taking this matter to the next level.

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
When I realized me and my kids were victims of an organize crime ; the fraud account with Bank of America had be FRAUDULENTLY used 7 years prior and account was closed. My information was breached, acct mishandled, statements showing my name XXXX XXXXXXXX XXXX and statements were going to XXXX XXXX XXXX the college he is XXXX at in FL. I reached out to Bank of America in XXXX and XXXX due to finding out then I was a victim of some serious crimes and the fingers were pointed at me as if I'm the criminal of financial crimes when really I can barely count. I've suffered from financial hardship since XXXX. The account had deposits I was unaware of, XXXX atm card being used in different states and cities in the same day before and after I closed the account. The account was linked to a breached email XXXX and XXXX. Ive suffered from XXXX XXXX, XXXX, Banking Threats, Banking issues due to conflict of interest. I'm dealing with Mail Theft due to receiving mail from companies ive reached out to. When doing a change of address it was unable to be changed through USPS for these people address which is XXXX XXXX XXXX XXXX Fl XXXX, XXXX XXXX XXXX XXXX fl XXXX. The GEOLOCATION for my address is being altered and swapped to where I recieve no mail. They've gotten over a 10 year lead way on me with Bank of America, XXXX XXXX, XXXX, etc. They've FRAUDULENTLY taken out life insurance policies and cashed out faking me and or my daughters death for money, took out student loans using my full name due to having knowledge I never used my full name for anything. Bank of America refuses to remove the fraud info and prosecute the real criminals. Ive been singled out and feel like the world is against me and it is due to over XXXX being spent FRAUDULENTLY through banks CD accts trusts foreign assets forieng banks, life insurance XXXX insurance through now over XXXX person schemes ... ..HELP before I die of a nervous break down or they do it first ... they are misspelling my name to XXXX, XXXX etc and my last name being misspelled etc. They are blackmailing people I know to steal from me important papers documents for evidence. Police reports but no officer never investigate. This has caused hate crimes. There is XXXX XXXX XXXXXXXX XXXX XXXX Etc insurance companies involved using family members names, me and my daughter sharing the same XXXX when that's impossible, child support fraud ... XXXX needs to be audited due to conflict of interest breach hippa privacy laws altering information thats not true accusing me of several crimes that I'm innocent of, child support payments I never recieved for my kids showing up in Bank account as if they paid when they really didn't i have no one to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
The following remarks are copied from credit report about this account. The agent that was assigned to my account at NRS had said that this account will be removed from my credit report when I paid the agreed upon amount to NRS, but they failed to remove the account. They only updated the remarks to Paid less than full amount owed. The agent had coerced me into paying more than the agreed upon amount in order to have the account fully removed from my credit report and so I did pay the extra amount to have it removed as opposed to only showing it as paid in full and remain on my credit report. 

NATIONWIDE RECOVERY SYS Last reported XX/XX/XXXX {$0.00} Reported balance Original balance {$590.00} You owe 0 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 1 mos ) Account status Closed Type -- Responsibility Individual Remarks Settled - less than full balance Original creditor name XXXX XXXX XXXX XXXX  CONTACT INFO NATIONWIDE RECOVERY SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
This account is not mines. I have made several attempts to have this removed with XXXX. The other XXXX and XXXX  had done so. This company does not have a contract on me. Again this account is not mines. I never received a bill or phone call from these people. This account should not be on my report i do not owe this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: FL

Complaint narrative:
The information on my report is not correct and needs to be deleted. I did not do these things ... I want them 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 2021-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The information on my report is not correct and needs to be deleted. I did not do these things ... I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
I been receiving phone calls of harassment, abusive and obscene language and threats of XXXX  and XXXX  repeatedly from Diversified ADJ Service Call Center Debt Collection Representatives for a debt collection account thats fraudulent, not my account and is the result of identity theft. The following account is fraudulent, not my account and is the result of identity theft : Diversified ADJ Service, XXXX XXXX, XX/XX/2020, {$2400.00}. I am in fear of my life right from the constant threats of XXXX  and XXXX  I been receiving from representatives from Diversified ADJ Service. Diversified ADJ Service is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: IN

Complaint narrative:
The student loans are showing on my credit report twice 3 open and same 3 closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loan Cabin Inc.
State: NJ

Complaint narrative:
Hello, I submitted an application for a refinance of my investment condo located in XXXX NJ to Loan Cabin through their website on XX/XX/XXXX. I received an acknowledgement email on XX/XX/XXXX ( see attached ). On XX/XX/XXXX, XXXX XXXX, XXXX of Mortgage Banking at Loan Cabin, emailed me that she received the application and requested some additional information that I immediately provided what she needed. On multiple occasions I requested a Loan Estimate and Loan Cabin did not provide and many times did not respond. I sent multiple emails to XXXX and Loan Cabin and she finally provided a meaningful response on XX/XX/XXXX. I attached a copy of the back and forth email communication between myself and Loan Cabin. I applied to other banks and had no issue getting a loan estimate in a reasonable amount of time but I held out because Loan Cabin quoted me with the best rate. After discussing my situation with a family friend who is a realtor, they mentioned that Loan Cabin should have legally provided a Loan Estimate within 3 days of the application being submitted or else they would be in violation of TRID Regulation Z. I'm very frustrated with my experience with Loan Cabin and wanted to bring this matter to your attention.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX made three unauthorized purchase on my account of {$92.00}. I informed TD Bank of this purchase and I filed a dispute for it. This dispute has been going on for awhile now. I send over documentation in support for my dispute and TD Bank had reversed back one of the disputes to XXXX of {$92.00} that I didnt authorize XXXX to take on XX/XX/XXXX. Also, this transaction had caused an overdraft on my account. I was charged {$35.00} on XX/XX/XXXX, a day later when I had money in my account. By doing this TD is endorsing fraudulent behavior, enabling merchants to steal from consumers and this is a breach of contract with customers. This is a violation of my rights and federal rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
The student loans are showing on my credit report twice 3 open and same 3 closed

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 2021-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
See new attachments. Two Capital One credit cards ending in XXXX & XXXX were stolen at same time, used, and then fraudulent payments were made to continue using and exceeding the credit limit. See attached Sheriffs report. The cards were not being used and stolen out of my office and it was understandably that it took a while before I was aware. Capital One is not prepared to handle multiple successive fraudulent payments like a bank putting a hold on deposits. Capital One closed my accounts on same day, then charged off at same time, and then did a fraud investigation months later. On XX/XX/XXXX, Capital One was pleased to inform me that the dispute for card ending in XXXX, was found in my favor and Capital One credited {$3100.00}. On XX/XX/XXXX XXXX on card ending in XXXX, Capital One found no signs of fraud. On XX/XX/XXXX, Capital One agreed there was incorrect information on credit report for the same card and they asked the credit bureaus to remove the account from my credit report. 4 days later on XX/XX/XXXX, Capital One said they found no signs of fraud on the same card ending in XXXX.???????? This is ridiculous! Both cards were listed on sheriffs report and canceled at same time by Capital One. Capital One is very unorganized and holding consumers responsible before they hold themselves responsible. I thought I was bad with 32 '' flood waters, XXXX, and theft, forgery, fraud, but Capital One is worse. Both cards were stolen at same time and both cards need to be removed from my credit report. I am attaching AGAIN the letters referenced above plus the XXXX Sheriffs report, the fraud affidavit, information on XXXX XXXX XXXX who was listed on Sheriffs report. AT THE LEAST, investigations should have been performed much earlier allowing me to keep cards instead of having a lump sum due that I can not afford. I called today because after almost 4 years I was very frustrated. I wanted to know if the was a manageable amount that I could afford and pay. It was an amount that I could not afford living on social security. I was informed that the settlement amount is automatically generated by a computer that hasnt any guilt of wrongdoing or any feelings or emotions. How sad. I am XXXX and had XXXX treatments from XXXX XXXX. I had 32 of water during Hurricane Harvey a month after filing the sheriffs report and I am still not settled. I should still have the cards with 700s credit and faithfully making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount listed on the attachment. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

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 2021-01-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount listed on the attachment. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that Navient had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe navient {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to XXXX XXXX  and XXXX  indicating Navient is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to Navient. 

All three credit bureaus are reporting the following debt owed to Navient XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TX

Complaint narrative:
See new attachments. Two XXXX XXXX credit cards ending in XXXX & XXXX were stolen at same time, used, and then fraudulent payments were made to continue using and exceeding the credit limit. See attached Sheriffs report. The cards were not being used and stolen out of my office and it was understandably that it took a while before I was aware. XXXX XXXX is not prepared to handle multiple successive fraudulent payments like a bank putting a hold on deposits. XXXX XXXX closed my accounts on same day, then charged off at same time, and then did a fraud investigation months later. On XX/XX/XXXX, XXXX XXXX was pleased to inform me that the dispute for card ending in XXXX, was found in my favor and XXXX XXXX credited {$3100.00}. On XX/XX/XXXX XXXX on card ending in XXXX, XXXX XXXX found no signs of fraud. On XX/XX/XXXX, XXXX XXXX agreed there was incorrect information on credit report for the same card and they asked the credit bureaus to remove the account from my credit report. 4 days later on XX/XX/XXXX, XXXX XXXX said they found no signs of fraud on the same card ending in XXXX.???????? This is ridiculous! Both cards were listed on sheriffs report and canceled at same time by XXXX XXXX. XXXX  XXXX is very unorganized and holding consumers responsible before they hold themselves responsible. I thought I was bad with 32 '' flood waters, XXXX, and theft, forgery, fraud, but XXXX XXXX is worse. Both cards were stolen at same time and both cards need to be removed from my credit report. I am attaching AGAIN the letters referenced above plus the XXXX Sheriffs report, the fraud affidavit, information on XXXX XXXX XXXX who was listed on Sheriffs report. AT THE LEAST, investigations should have been performed much earlier allowing me to keep cards instead of having a lump sum due that I can not afford. I called today because after almost 4 years I was very frustrated. I wanted to know if the was a manageable amount that I could afford and pay. It was an amount that I could not afford living on XXXX XXXX. I was informed that the settlement amount is automatically generated by a computer that hasnt any guilt of wrongdoing or any feelings or emotions. How sad. I am XXXX and had XXXX treatments from XXXX XXXX. I had 32 of water during Hurricane Harvey a month after filing the sheriffs report and I am still not settled. I should still have the cards with 700s credit and faithfully making payments.

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