vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX XXXX amount {$9100.00} reporting on Experian/XXXX/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX amount {$0.00} that is reporting on this inaccurate information on Experian/XXXX/XXXX this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX amount {$1900.00} that is reporting on this inaccurate information on Experian/XXXX/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX/ XXXX amount {$260.00} reporting on Experian/XXXX/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
The actions that I try to take to resolve this problem was I tried contacting each company but they all never replied back or answered my mail that was sent to 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 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Sallie Mae Bank shared my personal information with debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shared my personal information with debt collectors Peroutka, Miller, Klima, Peters, P.A. and debt collectors Peroutka, Miller, Klima, Peters, P.A. filed a lawsuit on XXXX XXXX XXXX behalf then Peroutka, Miller, Klima, Peters, P.A. shared my personal information with Klima, Peters & Daly P.A. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from Sallie Mae Bank, XXXX XXXX XXXX XXXX, Peroutka, Miller, Klima, Peters, P.A or Klima, Peters & Daly P.A. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection XXXX c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, Sallie Mae Bank knowingly transferred my personal information without my lawful authority to debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX illegally shared my personal information with debt collectors Peroutka, Miller, Klima, Peters, P.A. and debt collectors Peroutka, Miller, Klima, Peters, P.A. illegally shared my personal information with Klima, Peters & Daly P.A. and all obtained and are in possession of my personal information without my lawful authority and Peroutka, Miller, Klima, Peters, P.A. and Klima, Peters & Daly P.A has used such information and illegally attempted to collect an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Due to the XXXX  hack, I had been monitoring my information. I was informed of a new account via email. I contacted Wells Fargo and was told that even though the social, name, dob, and all match the account, I could not access it since I stated this account is fraudulent. I found this atrocious. This bank was just punished for fraud, and would not allow a consumer to access an account made by a fraudster in my name, with my social, my date of birth, my phone number, my address etc. they told me I needed to contact a different department in the morning. IE : they wanted to allow the fraud to perpetuate for at least 12 more hours, resulting in the fraudsters being able to change the address, and email associated with the account to intercept the information and apply for other means of credit! NOT TODAY! I called back, totally made my self to be the account owner ( since I legally was ), and had the account closed. This should have happened the first call. 
Stop Wells Fargo from allowing fraudulent accounts to be opened so easy.

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 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
It was not brought to my attention that Chase Bank was refunding NSF fees until XXXX of this year. It turns out, they issued a press release in XX/XX/XXXX that while they *were not stopping the practice of charging the fees* they would reverse the charges should a customer call. Since this information was brought to my attention I have called Chase repeatedly to work on getting over {$7000.00} ( XXXX XXXX Dollars ) in NSF fees reversed that have been charged to me since the beginning of the pandemic. I have explained the nature of my income loss that was Covid related and I was able to get many fees refunded. However, in my latest attempt to get XXXX  fees ( charged between XX/XX/XXXX and XX/XX/XXXX ) refunded totaling {$1100.00} Chase told me it was too late, that I should have called sooner. I couldnt have called sooner, I didnt know this was even an option. Chase did not send a letter, a message to my account from their secure message center or ANY OTHER type of correspondence that would have led me to, in a timely fashion, reach out to get my money back. Instead of issuing a press release that only people who stumble upon would read, Chase could have 1 ) Paused the charge of these {$34.00} fees during the pandemic OR 2 ) Notified their customers that they were offering refunds of these fees for Covid-19 related hardships. I have made 11 calls in the last 8 days to get this escalated. Only today after being given the run around for over a week that " you should see the reversal of fees credtied in your account in 1-2 business days '' was I told " Your request for a refund was denied and there is nothing else we can do '' What we can do is go back to these phone calls ( since they are all recorded ) to find out why I was told this was " in process '' and should be " reflected in my account any day ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I inquired about the credit card company, Citi a division of CitiBank, not having a separate line item or option to pay off a XXXX XXXX Amount on their website. The only way a customer is allowed to pay off a XXXX XXXX is to pay the entire balance due on their credit card. The company is charging interest on the XXXX XXXX and interest on the Standard balance, which is unfair and deceptive to the customer. The customer should be allowed to pay off a plan to avoid any additional finance charges due to them but this is not an option. It appears the company is trying to " rack up '' any additional monies they can from the customer, which is an abusive practice.

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 2021-08-25 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: NJ

Complaint narrative:
As I am trying to start my business, and can't borrow money because these credit people sit in jurisdiction over my life, and continue to report me as a XXXX= XXXX, who is like a XXXX XXXX XXXX. As someone who has never applied for credit anywhere. Not only do I have a loan that I have paid over {$100000.00} for, I have a credit card and a car note, but they keep displaying my credit score as XXXX XXXX, and it is ruining my life plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: AZ

Complaint narrative:
On XXXX Disputed this account I have no knowledge of. I have disputed online, mail, phone and also have a dismissal letter I sent a never served or informed of any courtdate. They have yet to even respond other than expierian saying they validated the debt but how? And where are my copies?

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 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION
State: MD

Complaint narrative:
Sallie Mae Bank shared my personal information with debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. filed a lawsuit on XXXX XXXX XXXX behalf then XXXX, XXXX, XXXX, XXXX, XXXX. shared my personal information with XXXX, XXXX XXXX XXXX XXXX. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from Sallie Mae Bank, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or XXXX, XXXX XXXX XXXX XXXX. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, Sallie Mae Bank knowingly transferred my personal information without my lawful authority to debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX illegally shared my personal information with debt XXXX XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. illegally shared my personal information with XXXX, XXXX XXXX XXXX XXXX. and all obtained and are in possession of my personal information without my lawful authority and XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, XXXX XXXX XXXX XXXX has used such information and illegally attempted to collect an alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Accounts under my name were being open through a brother using my information to open account fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: WA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute of hard inquiries in which I did not authorize on my credit report. After submitting my report, I called Equifax to get the information to fax over my supporting documents. I was told I needed to submit my police report or FTC report, a copy of my driver 's license, social security card and make sure to include a cover letter with all of my identifying information. That same day I went up to XXXX  to have all of my documents faxed over to Equifax. I called them on XX/XX/XXXX to confirm they received all of the necessary information and was told although I faxed all of the documents, it still would take 3-5 business days to process and to check back the following week. On XX/XX/XXXX, I called and spoke to a representative named XXXX who informed me that my dispute was closed on XX/XX/XXXX ( Sunday ) ( I never received notification ) because my supporting documents were hard to read. She stated that the copy of my social security card was very dark. I asked to speak to her supervisor, XXXX, in the Fraud Department and she told me the same thing basically. My frustration is that my dispute was not thoroughly investigated and if document were needed to be re-fax the proper order would have been to notify me but to just close my dispute as if it was investigated was not right. I spent {$15.00} paying to have the documents faxed all for them to say because they could see the copy of my social security card clearly but could see my other documents. I informed her I would be sending the documents in the mail and would have them overnighted but it is very disappointing to have to spend more money and time when I thought this whole time they had everything they needed. I did not ever have these issues when I went through this same process with XXXX  or XXXX. I am reattaching what I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am trying to apply for a Home Loan, XXXX  Credit Score was XXXX  on Experian, and they dropped it by 26 points for just one account credit card, which is my XXXX  XXXX  XXXX. I just had a {$100.00} purchase on {$2800.00} credit limit. This is very unfair, now I have to wait for another month and the house I wanted to acquire is going to be gone. I called their customer service, there is no live person, the automated system has no option to speak with a live person. This is horrendous, all my other Bureaus are over XXXX, Experian has some faulty algorithms, I feel they need to be checked and vetted.

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 2021-08-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

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 2021-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I have a loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there were 90 days late ( XX/XX/2018 ) payments on my credit report. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX my XXXX XXXX was deposited into my account it went Immediately on hold.. I called capital One to find out why and they told me that the government have them putting the accounts on hold and that I need to send in some required documents such as my tax returns and my loan application..Which I did ..its been over 3 months and Ive been calling to see whats going on XXXX And I also asked do they have some from the government stating that and do they have some thing in my documents that I signed when I opened my account several years ago saying this was a rule.. They have nothing in writing to give me.. Ive been very patient and they say they have everything they need in order to do they investigation and no time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
BMWFinancial in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

15 USC 1692b ( a ) ( 2 ) BMW Financial was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) BMW Financial has harassed the physical person damaged my reputation and stole my property.

3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.

4. 15 USC 80a-33 BMW Financial has willfully mutilated my account XXXX  and XXXX  are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My husband and I have a Capital One Auto loan, I am the primary holder and he is a co-signer on the loan. On XX/XX/XXXX he made his final car payment using the third-party system called, check-free pay. He was re-directed to it from his Capital One auto account where he entered in his Capital One account number and debit card information. This payment was for $ XXXXplus the fee using the third party service. Total equalling {$51.00}. We received the car title in the mail along with an overpayment check from Capital One on XX/XX/2021 in the amount of {$48.00}. Fast forward to XX/XX/XXXX when I checked my credit score and it said our capital One Auto account was in delinquency for 66 days in the amount of {$48.00}. I called Capital One to dispute the claim, and was told the payment after 7 days was insufficient due to either an issue with our bank, XXXX  or incorrect information. Although, the payment was fulfilled on our end and never returned to us. It was taken out of our account. I have statements to prove that. I also have proof of the overpayment check and the car title.

Company response to consumer: Closed with explanation