vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-06-30 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The phone rings, business phone, caller ID will say A Hospital, or MD St Gov or XXXX XXXX. I will answer the phone and it is a computer call from Bank of America wanting me to hold for the next available person. 
This is extremely misleading. 
I do not have a Bank of America Credit card, they soliciting.

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 2020-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: RI

Complaint narrative:
My loans had gone into default and in late XXXX I started the processes of consolidating them and bringing them into good standing. The consolidation process comes with a period of time to change or amend things. I received my consolidation packet in the mail AFTER the date it said I could make changes/amend the agreement. I immediately called My Great Lakes and they said that today is the day that everything was consolidated and because they didnt hear from me theres nothing they can do. HOW COULD I CONTACT THEM BEFORE I RECEIVED THE INFORMATION? Its ONE DAY and with Covid everyone knows the mail has been notoriously slow. Im so angry/frustrated. They CAN help me, they just dont want to. Ive told them that as soon as I got the consolidation packet I saw two incorrect items and those are the ones ai didnt want to include in the consolidation. Theyre refusing to help me. Its really gross on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX TransUnion received the certified letter that I mailed with return receipt advising the bureau to provide to me per FCRA 623 ( a ) ( 5 ) if  they are unable to validate with the Original Creditor then the information MUST BE removed. On XX/XX/XXXX XXXX transferred me to supervisor XXXX regarding the response letter that I received from TransUnion stating they already verified and won't re verify. I advised XXXX that I did not ask for a verification but rather them to furnish who they spoke with at the United States Bankruptcy Courts of XXXX Missouri. She never provided that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
I am trying to fix a situation with Wells Fargo : In XXXX they sold me a predatory interest only loan. In XXXX it was modified. In XXXX the payment will triple. Here is my recent letter : Let me speak with underwriting I have both a current XXXX  XXXX XXXX XXXX License & XXXX   license. ( I am contacting you as an individual ) Current county assessment market value of property in question is $ XXXX. By next year expect with the CV19 based wave of foreclosures that will drop. Add in the costs of foreclosing, refurbishing, bringing to a down market and time vacant with nothing coming in, and WF will be lucky to recoup $ XXXX. Meantime another XXXX American familys blood on your hands. 

Its corrupt, discriminatory, abusive & absurdly hypocritical that : Youd rather do the above then recast this loan to $ XXXX after taking exorbitant bail out money XXXX and writing off/charging off subordinate loan multiple times. 

That despite current 15 year payment history you say I dont qualify for the lowest rates in history, but expect me to pay twice the current interest rate with a triple payment in XXXX even though I am current with fico XXXX and sufficient income of $ XXXXmonth. 

I cant help that my parents were hippies and named me after a foreign entity. I am XXXX XXXX. What you are doing is discriminatory, predatory, unethical and immoral. 

You should have the higher ups above underwriting immediately : Strip/forgive/settle the 2nd lien on the note you wrote/charged off multiple times and receive XXXX bail out money for, forgive $ XXXX off of the 1st note, ( if not forgive then piggyback ), and recast the remaining $ XXXX $ XXXX into a 2.75 % 30 year fixed. 

I have 700+ credit, sufficient income, 15 yr immaculate payment history. 

I am sure there are plenty of lawyers who would agree with me. 

Please do the right thing here and adopt the above. 

I will get a pay increase soon, this is totally doable. 

God Bless America.

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 2020-06-30 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:
I requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2020-06-30 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 requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2020-06-30 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: MN

Complaint narrative:
The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.

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 2020-06-30 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: MN

Complaint narrative:
The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my  money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: MN

Complaint narrative:
The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.

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 2020-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR

Complaint narrative:
On XX/XX/2020, I received a Notice of Assignment, Sale or Transfer of Servicing and a welcome to Rushmore Loan Management Services. The letter also stated Rushmore 's attempt was to meet my loan with efficient, prompt, and courteous services. However as I stated to correspond with Rushmore Loan Management I discovered their services was of deceptive, false, and misleading information. In speaking with an employee of Rushmore. I was advised their company was a mortgage company. I informed the  employee on the phone that the paper work I recently received indicated they were not a mortgage company but a debt collection. The employee assured me their company was a mortgage company. Also the letter dated XX/XX/2020 never identified Rushmore of being a debt collector organization.. I find the whole letter dated XX/XX/2020 as misleading, confused wording, and false representation and vague information. After several e-mail communication about the servicer of my loan, I was mislead again. On or about XX/XX/2020 after I requested information about my current mortgage holder via e-mail. On XX/XX/2020, I received an incomplete, vague, misleading letter from Rushmore with information about XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On or about XX/XX/2020 I requested specific and detailed information about XXXX XXXX XXXX. The information was denied because I never received the specific detailed information. On XX/XX/2020 I received a notice of assignment, sale or transfer of service right to XXXX XXXX with XXXX XXXX another new debt collector. My house is not in preforclosuer and each time a new debt collector has my loan the payment amount is different and another debt collector goes on my credit report. seeking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: GA

Complaint narrative:
I have been a victim of idenity 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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo N.A. has trapped my balances and per their allocation rules will not apply payments to pay off my balance transfers despite making payments well above the minimum payments. Wells Fargo allocates payments across all balance transfers first across those balances with the highest interest rate per federal guidelines. However, when all balances are of equal APR, payments are allocated to balances equally rather than allocating to the expiring balance. This traps my balances until I pay off all the balance transfer amounts, and I end up paying interest every day for balances I have already paid balance transfer fees on. I have contacted Wells Fargo about my concern with their payment allocation rules, and they have agreed to refund some of the interest accrued. However, they will not waive the ongoing interest I will accrue until I pay off the balance. I understand that this payment allocation is per their terms and conditions. However, it is not in the spirit of our agreement. The point of the balance transfer is to pay upfront fees to avoid accruing steeper interest rates and reduce debt. By trapping my balances, Wells Fargo has violated the trust I put in them to aid me in paying down significant credit card debt. I think this is a predatory practice, and Wells Fargo should adopt a different payment allocation practice for balance transfers. Wells Fargo should look out for its customers and in the situation of multiple balances with the same APR, they should allocate payments to the balance expiring the soonest. Otherwise, consumers risk trapping their balances and facing higher interest rates.

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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Trying to connect to a app that helps with finances and PNC will not allow connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Early Warning Failed to supply sufficient evidence to show why they say the information is valid, and also XXXX just send me a secure message indicating the account is still open with credit available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
I have been a victim of idenity 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 2020-06-30 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:
I have been a victim of idenity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They are reporting wrong personal info such as my name and address

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They are reporting wrong information about name and address

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 2020-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I sent a certified letter to Nissan that was a Request to Validate Debt on my credit report. I did not receive a response. On the envelope that I sent and in my letter was my address. Nissan claims to have sent me a response back but I never received it. I then filed a complaint against them and now they all of a sudden they have a letter to me. Where is the proof that it was mailed? And they didn't send it to the address I listed on the requested certified letter. I have not lived at that address they sent it to supposedly in 1.5 years. See my letter and proof of mailing attached and then see there information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2020, Chase Credit card company charged the account ending XXXX in the amount of {$25.00} for a late fee. We have sent payment via US postal mail and credit card company claimed that they never received the payment. 

We have been with this company for 30 plus years and we explained to them that somehow, the US postal did not deliver the mail or the US postal delivered the mail and was lost within the credit card company.

I explained to the Chase Credit Card Representative that we pay on time every month and we would like a credit of {$20.00} back to our account and also any interests that were charged to the account. The Chase Credit Card company refuses to credit our account. 

A minimum payment was sent electronically within the website of Chase on XX/XX/2020, as soon as we found out the problem. 

However, it appears that our payment history paying off the balance every month does not matter to this company. 

We would like to dispute this charge the fact that they either lost the payment or US postal did not somehow deliver the payment. 

XXXX XXXX

Company response to consumer: Closed with monetary relief