vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation 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 non-monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX we were in the middle of making payments from our business banking account on the CHASE website, when it locked us out for " suspicious activity. '' It displays a number to call. Hold times are over two hours. Many times they'd answer then put us on hold for another 2-3 hours.

When we finally got through to the fraud department ( total 7 hours on hold ), they said they couldn't help us, their " verification system '' isn't working. 

Meanwhile, we have no access to our business banking account. Which is crippling our business and not allowing us to pay our workers in this time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-04 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: NC

Complaint narrative:
Dear CFPB, I have made numerous attempts to validate a debt reporting under my credentials. Ive disputed over and over again, only to have the reporting agency ( Experian ) to claim verified as accurate. I recently sent evidence of my letter returned from the alleged creditor, due to unknown address. Ive sent Experian the pic of the return envelope, print out of the tracking information and as well as the certified letter receipt. Under the FCRA, any information that is incorrect or is not completely accurate, must be deleted. I have disputed the entire account and its validity. Ive made attempts the contact the alleged creditor to seek evidence of the debt owed. I have been unable to contact the alleged creditor because the address thats on my Experian report is return as unknown. My question is how is Experian able to verify anything, if the address on my report is not correct or unknown. U.S. postal service has verified this isnt a real address. More disturbing is with my prior disputes with Experian, this account has been verified as accurate with as little as 24 hours, on several occasions. I plan to seek litigation against this reporting agency and strongly urge to please conduct a thorough investigation into the practices and compliance to the law that this company routinely breaks.

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 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Approximately {$3000.00} was stolen from my account. MY problem with my bank is obvious because, despite having the card and only using a couple of time to withdraw a small amount that was also replaced, i also have a problem with the CFPB for not enforcing federal law designed to protect consumers or at least force bank to protect its customers. I don't know how it is done, but Debit cards are duplicated and the PIN figured out without the holders knowledge. Also federal limits the loss of the card holder, something CFPB WILL NOT ENFORCE. Santander bank will not assist me because it does not have to, due to this federal agency not doing its job. I work way too hard for my money as well as meet responsibility to perpetrate fraud against myself. I want justice. 

Please don't play with my intelligence and say go to the police. The police treat me like i am the criminal and does not follow up on anything, meanwhile banks treat its customers as cash cows while getting federal bailouts at taxpayers ' expense.

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 2020-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously froze my credit with Experian and did a temporary lift from XX/XX/XXXX to XX/XX/XXXX. They provided me a PIN and I kept it. Today, XX/XX/XXXX I went to the website to again temporarily unfreeze my credit report for a time sensitive application. The website would not take the PIN. I tried to proceed without the PIN and was locked out. I called the phone number and was only routed to a machine with an address with no details on how to unfreeze my credit report. This is unacceptable.

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 2020-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My wife, XXXX XXXX, is the primary card holder and I am an authorized user. She first added me to her XXXX card in XXXX, around XXXX/XXXX, when I first moved to the XXXX. 

We had a slight upset in our marriage around XXXX XXXX and she removed me from her card. Things were fixed and I was added back to the card around XX/XX/XXXX, 8 months ago. 

Since then I have made numerous calls to XXXX XXXX   and the credit agencies to find out why this card is not being reported properly as it doesn't show up on any credit report. I have used my card multiple times so we know that isn't an issue. 
XXXX XXXX  say they're reporting correctly and the credit agencies say there aren't any problems their end. Essentially I'm stuck in the middle and no one will take accountability as to why this credit card isn't showing on my report, choosing to blame the other instead. 

Since being added as an authorized user in XX/XX/XXXX I have obtained various lines of credit that have all been reported fine, one being another credit card and the other being a car lease. There has been no issue reporting either to the credit agencies.

I have received 3 letters from XXXX XXXX  stating they are reporting correctly, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX however this does not seem to the the case. 

Every time I call XXXX XXXX  for an update they confirm my personal information and tell me to wait 30 days. The first few months they had the incorrect SSN for me, they only noticed after several phones calls from myself. The next few months I noticed they weren't using the correct credit card number so I wouldn't ; t have been associated with that account. It seems like there has been numerous errors at XXXX XXXX  and I'm the one suffering.

Today XX/XX/XXXX I spoke to XXXX XXXX  following up with my latest enquiry only to find out nothing has been done for 3 weeks. Allegedly they tried to call my wife to confirm SSN, DOB and our names. I have been told to wait another 30 days.

This card is in good standing, payments are not missed and I am losing out on the benefits to my credit report. Even if it was 1 point a month that's still 8 points. We also pay an annual fee for this card which seems insulting given the lack of service received.

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 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Tuesday XX/XX/XXXX I went into a Wells Fargo Branch and I ordered a new book of checks. They said it would take up to 14 days for it to arrive. With the holiday of XXXXXXXX XXXX XXXX coming up I added a few additional days due to the 1 less day of mail delivery that occurs.

After three weeks of waiting I called Wells Fargo to see why the checks were taking so long. After being transferred 3 times I got similar responses saying that it could take up to 14 business days to receive them in the mail, even after informing them that it already it has been close to a month since I have ordered them, there was no sense of they cared about this issue. 
After waiting another week I re-order my checks, they said since they have been delivered ( they were not ) that they would have to close my account and open a new one due to the potential of fraud. I asked if there was any other way to keep the account open and they ( allegedly ) attempted to put a stop on the whole book of checks that were sent. Two separate representatives tried this and they told me their system would not allow them to do so. 
I finally said okay and proceeded to open a new account with them due to the hassle it already was and I asked what would happen to my other account. They informed me that they can keep the account open for 90 days which was fine. The account was opened on XX/XX/XXXX. All the payments and deposits would continue to arrive in my account until that time frame and would have no issue switching everything over in the appropriate matter of time. 
On XX/XX/XXXX I was contacted by my company and they said that my direct deposit information was shut down which was concerning since it was well within the 90 days from which Wells Fargo told me it would be fine to continue to receive payments. 
I made sure to switch all my bills and payments to the new account since I could no longer allegedly receive money thorough this system.

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 monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
Big Picture Loans charged above the allowed amount of 16 % for the State Of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST HORIZON BANK
State: NY

Complaint narrative:
no knowledge of these 3 checking accounts First Horizon Bank / XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent the company Experian and email twice within the last 3 months requesting to cancel my membership with them. I have not received a response from them and they continue top charge my card for said membership. I've tried contacting them through their phone number and as of XXXX XX/XX/2020 i am still on hold. It is almost XXXX on the same day. This is absolutely frustrating, they don't want to help you. They don't have a way to cancel your membership yourself so you are forced to call them and wait long hours just to get to a human. I am fed up with this company and will NEVER recommend them to ANYONE.

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 monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
This company keeps flagging my credit report for a balance owed that I NEVER requested. I have no business with NATIONAL CREDIT ADJUST. The keep harming my credit. I NEVER requested no services nor goods from this people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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:
MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
This company has failed to send me written notification of this false debt in which I received and the only way that I found out about it was through reviewing my credit report a couple of weeks ago. So I called in and asked about this debt and told her both verbally and by email ( written notification ) that I wanted to dispute the validity of this account because there is absolutely no way that it can belong to me. As of today, nothing has been done regarding having this debt being verified and validated as requested. They have refused to remove it from my credit report while they investigate-if they are even investigating it, and this is against the Federal and State laws put in place to protect consumers from illegal debt collection practices from these debt collectors. Furthermore, as I have told them via written notification and verbally, this debt does not belong to an individual person, it never has, nor has anybody been liable for it personally or individually as it was set up as a California Corporate XXXX  Account with the use of the assigned Corporate Employer Identification Number given to the Corporation by The Internal Revenue Service back In XXXX of XXXX  to set up this account. No officer, shareholder, or Executive member of the corporation was ever in agreement or has signed any document making any individual liable, or to personally guarantee this account at any time. This is solely a business account that was solely setup as a business account making only the corporation liable as it's sole and separate entity. These guys have damaged my credit and given me unspeakable amounts of stress and has brought on both XXXX  and XXXX XXXX to me as well. This is my last attempt at trying to reason with this company and for them to remove this false debt from my credit report before I seek further legal action against them and XXXXXXXX  ( the original creditor ) for falsely trying to make an individual officer of the corporation liable without ever having authorization from that individual to do so. I want to see a physical signature with my name and my social security number handwritten on the application form as part of their verification of this debt. This is the only way that I will accept as valid proof of this debt ever being my own and not the corporations. However, they won't because their is no such document available because I never signed it or used my personal social security number. Also, this entry in the credit reports maintained by all three of our national credit reporting agencies needs to be removed at once while they investigate this further, and not to wait until after wards to remove it. It needs to be removed now before they investigate per law regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: TX

Complaint narrative:
I applied for XXXX  Loan  Forgiveness with Nelnet on XX/XX/XXXX and the Chief Administrative Officer completed their section on XX/XX/XXXX. Everything was accurately marked, including my service record ( XXXX at one eligible XXXX  and XXXX at another eligible XXXX  ). 

On XX/XX/XXXX I received letter notifying me that my teacher loan forgiveness application was incomplete and asked that I change the distinction of one of my XXXX   from a XXXX  XXXX  to an XXXX  XXXX, and mark that I am an XXXX XXXX. I work at a XXXX XXXX  and XXXX XXXX XXXX, yet I was instructed to change my XXXX  type and XXXX   service ( from XXXX  to XXXX  ). This correspondence also asked that I correct a small detail regarding my name being written at the top of one of the pages. I made these small corrections and resubmitted the application by mail and online through the Nelnet website. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application was incomplete because I needed to have a separate page 1 for each eligible XXXX. The letter also instructed me to have my Chief Administrative Officer change the name of my specific XXXX  as it appears on the Department of Education list of eligible XXXX. My XXXX wrote the name of the school, which was changed between XXXX and XXXX from an XXXX  school XXXX XXXX XXXX to an XXXX XXXX XXXX  ) as XXXX XXXX XXXX  ). I reached out to the customer service department at Nelnet to find exactly what I needed to submit and the missing information was resubmitted to Nelnet, however the name of my XXXX  was left as XXXX. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application had been denied due to ineligibility and stated that I had a gap in my eligible teaching service from XXXXXX/XX/XXXX 
My experience with Nelnet has been positive until this issue. I feel that as a consumer, errors beyond my scope are affecting me and my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Doesn't belong to 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 2020-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had opened BBVA checking and savings account during XX/XX/2020. 
No where I have been told how to setup the e-statement. Website is also not user friendly or intuitive so that i can figure that out. I tried calling them but they have very restrictive hours or very long wait time. 
I was not even aware of the fact that i have paper statement and the bank charges for that. During end of XX/XX/2020 - BBVA charged me {$3.00} fees for the paper statement.

I wrote to them about it and asked them to waive it. 
I have some how setup the e-statements now

Company response to consumer: Closed with monetary relief