vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: TN

Complaint narrative:
This complaint involves XXXX XXXX XXXX XXXX Account XXXX. 
This account is found on my Trans Union Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX  this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and Trans Union have failed to do either. The other two credit bureaus, XXXX  and XXXX  have removed this account, with prejudice, from my credit report. 

A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that Trans Union reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.

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 2020-06-02 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: TN

Complaint narrative:
This complaint involves XXXX XXXX XXXX XXXX Account XXXX. 
This account is found on my XXXX XXXX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX  this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either. The other two credit bureaus, XXXX  and Experian have removed this account, with prejudice, from my credit report. 

A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that XXXX XXXX reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.

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 2020-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I have now attempted twice to do my yearly recertification for the PSLF program. They didn't even read the corrected form I sent them. Their excuse for denying the qualifying payments : MISSING INFORMATION : Your employer certified the dates of employment that were entered in Section 3 of the ECF. However, the employment end date is before the employment begin date. Complete and return the enclosed form. Make sure that your correct employment begin and end dates are shown in Section 3 and that your employer certifies the correct dates. 

This is INCORRECT. The form clearly states that I started working at my current employer on XX/XX/19 and am STILL EMPLOYED ( box checked ). I have attached their letter and the corrected PSLF form I submitted to Fed Loan Servicing. I've gotten nothing but the run around from this servicer as they continue to try to deny qualified requests for PSLF program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
These are not my accounts nor did I authorize these companies to run my credit. 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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
These are not my accounts nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I used XXXX to make a transaction and didnt realize Wells Fargo doesnt protect their customers with scam XXXX transactions, Wells Fargo dismissed my claim, I want the scammers bank account investigated and to go to jail. I want my money back too. The scam happened on XX/XX/XXXX and I reported right away. Here is the scammer information 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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
These are not my accounts nor did I authorize these companies to run my credit. 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 2020-06-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
In XXXX I partially signed a lease for an apartment complex in XXXX, North Carolina. The lease had to be signed by a legal guardian, as I was only XXXX at the time and did not have the ability to financially cover the apartment. The apartment layout and number that I originally signed for was no longer available, so they wrote up a new agreement for a new apartment with a new floor plan, room number, and roommates. Both me, and my legal guardian, never signed the lease but they sent it to collections. The XXXX XXXX  XXXX has now been bought out by new owners and they no longer have my records on file there. I contacted the collection agency and they sent me what they had on file. All that they have on file for me is documentation that I electronically signed with my initials, and they have someone else 's name and signature on the front of the agreement. The only signature they have on this document is a person named XXXX XXXX. There are no legal signatures from neither me, or my legal guardian. I have tried to get this item disputed several times though XXXX, XXXX and XXXX. The most recent dispute was in XXXX of XXXX. Both XXXX  and XXXX  have reported that this information is correct. However, I am not sure how this is accurate when the only signature they have on file is of a different individual. When I contacted XXXX by phone, the person on the phone explained that there were two individuals on the lease, both myself and XXXX XXXX, and that he would have to go over it and get back to me within a week. This collection is ruining my credit and I really don't feel that it is just in any way. It is delaying the process of me being able to buy a house and it is very frustrating. The collection agency that it is reported under is Fair Collections & Outsourcing. It seems very sketchy that someone else 's name and signature is the only signature on my lease agreement. Below is the photo of the document that the collection agency sent me with the incorrect name and signatures. There are several other documents, but none with signatures from anyone else. Thank you so much for your help.

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 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I was supposed XX/XX/XXXX. Told me it will be delayed for a little bit. Up to this date ( XX/XX/XXXX ), I still dont have a closing date. I have been badly stressed about this because I have XXXX kids. I have moved twice as my first move I need to move out XX/XX/XXXX ( because I was supposed to close XX/XX/XXXX ) and I move to a another place that can accommodate me till XX/XX/XXXX. But I have to move again, and I dont even know how long of a delay. Nobody can tell me what is my projected closing date. I have XXXX kids. I have the furniture company wanting to deliver the stuff I ordered and some other sellers wanting to know when to deliver stuff I ordered. Most of them stated they. Cant hold items too long as it will be almost a month of holding my items I dont know what to tell them because I dont know my closing date is. I called them and asked and nobody knows. This has been causing a lot of issues to me. My XXXX  and XXXX XXXX  starts to XXXX XXXX XXXX  work and even how I respond to my kids! Im going on and out of XXXX  state at this point. And nobody seems to care!

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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I was unable to link account from PNC Bank to XXXX XXXX in order to make a transfer. PNC bank will not allow my XXXX  account to link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The only credit bureau reporting unknown account. This account has been guaranteed not verified. No obligation to Chapter XXXX Bankruptcy. By federal law, this account shouldn't be reporting and in violation of FCRA laws. Submitting complaints prior to seeking legal counseling due to non compliant accounts and credit bureau not investigating into damaging accounts and falsely verifying as accurate. It's been past the allowed timeframe.

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Score has not updated in months even with improvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The only credit bureau reporting unknown account. This account has been guaranteed not verified. No obligation to Chapter XXXX Bankruptcy. By federal law, this account shouldn't be reporting and in violation of FCRA laws. Submitting complaints prior to seeking legal counseling due to non compliant accounts and credit bureau not investigating into damaging accounts and falsely verifying as accurate. It's been past the allowed timeframe

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I presently have a complaint with you activity. Complaint # is XXXX. However, today I received a reply from Chase stating charges are valid but did not address or answer my questions with regards as to why I am being charged for something I did not purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
I had my unemployment going into my cash app account via direct deposit and they disabled my card. It won't let me get the rest of my money out of the account because they suspended it. I emailed them and they said i violated the terms and agreement. Which i didn't. Everything comes in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been in contact with Equifax and they have told me that fraudulent items were off of my credit report and they were supposed to send me an updated report but they did not. I checked on XX/XX/2020 and they told me when it updated I would see the changes and yet it's even worse than it was before because there are accounts that were removed that are now back on my report. I am including proof of this and they simply need to remove these fraudulent accounts as there are only 2 active accounts on my file and 2 closed accounts on my file, XXXX and XXXX XXXX, active, and XXXX XXXX  and XXXX  mastercard closed. 
Equifax needs to correct this within 4 business days from the XXXX of XXXX to the XXXX of XXXX, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I reached out to Navient on XX/XX/XXXX Requesting for VALIDATION, NOT Verification, asking to provide me with competent evidence that I have any legal obligation to pay them. The information I asked for was : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4 ) The Electronic signature they claimed I signed, however ALL Electronic signatures has this symbol /s/ on the form, which in the case, Navient forged my name on the Electronic signature application ; 5 ) Identify the original creditor ; Pursuant to the Truth in Lending Act and Regulation Z ; 6 ) Provide a verification or copy of any judgment if applicable ; 7 ) Show me the you are licensed to collect in my state ; 8 ) Prove the Statute of Limitations has not expired on this account ; 9 ) Provide me with your license numbers and Registered Agent or Agent of Service ; AND 10 ) The Form ( s ) 1099 -OID ( Original Issue Discount ), 1099-INT, & W-9 of the account : XXXX. 
Navient ignored my request. They have reported to the three major credit bureaus invalidated information, destroying my credit. I also requested for Accounting, regarding the list of Collateral or Statement of Account, pursuant to The Uniform Commercial Code 9-210. Navient did not give me full disclosure pursuant to 15 USC 1631, including my consumer rights under 15 USC 1635. Navient prevented me from making an informed use of my credit, pursuant to 15 USC 1601. This account has been securitized without my consent resulting Identity Theft, and Theft by Conversion. This action might constitute fraud under both State and Federal Laws. Since they Reporting invalid information on my credit reports, with the three major credit bureaus, I will not hesitate to bring legal action against Navient for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) Conversion 5 ) Identity Theft 6 ) Impersonating The United States government, when you're a foreign private Corporation 7 ) Impersonating a Creditor pursuant to The Truth in Lending Act and Regulation Z ; Impersonating a Bank 8 ) Forgery of the Name Navient failed to respond back to my request. Therefore, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX  and XXXX  } request shall be sent to me immediately. If not, you leave me no choice but to bring a suit against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One credit card has unfairly and unilaterally closed my business account along with another joint credit card account without any notice and proper justification. My husband and I have outstanding credit history and have never missed a payment. All charges made to both accounts have been well in line with the credit card agreement and with verbal and recorded phone interviews with the company. Capital One refused to elaborate on the account closing and gave no choice to reopen both accounts. They cashed out my rewards at half the accumulated points.

Company response to consumer: Closed with explanation