vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: IL

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$660.00}, {$0.00}, {$1600.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Ever since I started paying off my student loan, I haven't stopped making payments as its been set to auto deduct on a monthly basis. 

However, Navient has claimed whenever I try to change or signup for better payment plans like IBR, it has caused my student loan payment benefits to be cancelled when its a flaw with the their system. 

I've only taken loans for two schools and the benefits were originally all the same until I needed to adjust payment plans from day one. 

Benefits : Auto Debit Benefits Interest Rate Reduction The most troublesome of all the issues are because the loan lender keeps selling my loans to different lenders as well. So the terms existing with the prior loan lender could never be revisited easily because the information gets archived. 

Example : I graduated college a semester late. The loan lender and the school never followed up with each other to confirm that I was still in school an extra semester. XXXX who was originally the loan lender charged me a {$500.00} insurance penalty with it was an administrative error between them and the school. I had followed up with the school but XXXX never refunded me the penalty. By the time, I was able to revisit the issue, they had transferred my loans to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Automatic Data Processing, Inc.
State: VA

Complaint narrative:
I was given a XXXX/ADP card by my employer, because my payroll check was missing hours. The hours that were missing were put on to a card that I had in my possession on XX/XX/XXXX or XXXX. Upon using this card on the XX/XX/XXXX I was notified that there wasn't any money on this card. So after this I contacted XXXX, which took me three times, until an agent on the third phone call informed me that my card was reported stolen. My card was unlocked, and I proceeded to use my card at XXXX XXXX, and at XXXX and XX/XX/XXXXwithout any problems. The next day XX/XX/XXXX upon going to pay my property tax I was informed I only had XXXX on my card. So after this I checked online and it was observed that my card had been compromised for the amount of XXXX. XXXX was contacted, my card was locked, and a replacement card along with paperwork was sent out. Paper work to verify that my card was compromised was emailed to XXXX  on XX/XX/XXXX. Upon contacting XXXX  XX/XX/XXXX, I was hung up on twice. And when I got to a agent, he could not tell me exactly how long it would take to retrieve my money, only best case and worst case scenario, the same answer was given to me upon asking to a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2020, my XX/XX/XXXXCredit report shows a collection account from Portfolio Recovery Associates for the amount of {$560.00} listed on my credit report ( Acct. XXXX ). As of XX/XX/2020, I have never received correspondence from this collection agency to dispute the validity of this debt that I am legally allowed before they violated my rights protected under the Fair Debt Collection Practice Act by reporting this account to the credit bureaus without validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Your company is in violation of the FDCPA section XXXX. False or misleading representations. The credit agency did not properly investigate a previous dispute. In my last dispute regarding XXXX XXXX XXXX. They failed to properly verify the information given by the debt collector. I do not owe any debts to XXXX XXXX XXXX and any reporting of a debt owed to them has been disputed several times. Attached is a written statement from the FDIC that personal debts from XXXX XXXX were never sold to XXXX XXXX XXXX XXXX XXXX XXXX stated in a written testimony to the CFPB that this debt was sold to them in XX/XX/XXXX that could not have been possible because XXXX sold this debt to another company in XX/XX/XXXX. Also, they claim they were collecting this debt on behalf of XXXX but in XX/XX/XXXX the new owners of XXXX XXXX XXXX XXXX XXXX stated in writing they no longer which to pursue this debt and still make that claim today. Attached is a letter from XXXX XXXX XXXX XXXX stating that once they purchased XXXX they no longer wanted to go further with any more collection activities. So if the original owners of the debt did not want to pursue any further action any actions made by XXXX XXXX on the behalf of XXXX would be invalid. Also, XXXX XXXX XXXX has failed to show written notification sent to me notify me of when they purchased the debt.

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 2020-12-01 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: GA

Complaint narrative:
Your company is in violation of the FDCPA section 807. False or misleading representations. The credit agency did not properly investigate a previous dispute. In my last dispute regarding XXXX XXXX XXXX. They failed to properly verify the information given by the debt collector. I do not owe any debts to XXXX XXXX XXXX and any reporting of a debt owed to them has been disputed several times. Attached is a written statement from the FDIC that personal debts from XXXX XXXX were never sold to XXXX XXXX XXXX XXXX XXXX XXXX stated in a written testimony to the CFPB that this debt was sold to them in XX/XX/XXXX that could not have been possible because XXXX sold this debt to another company in XX/XX/XXXX. Also, they claim they were collecting this debt on behalf of XXXX but in XX/XX/XXXX the new owners of XXXX XXXX XXXX XXXX XXXX  stated in writing they no longer which to pursue this debt and still make that claim today. Attached is a letter from XXXX XXXX XXXX XXXX stating that once they purchased XXXX they no longer wanted to go further with any more collection activities. So if the original owners of the debt did not want to pursue any further action any actions made by XXXX XXXX on the behalf of XXXX would be invalid. Also, XXXX XXXX XXXX has failed to show written notification sent to me notify me of when they purchased the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Expedite Financial, Inc
State: CO

Complaint narrative:
Almost everything on the credit report is false and fraud. It is corruption with credit bureau and government contract that implemented false credit debt loans false credit cards and fraudulent student loans.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-01 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: NC

Complaint narrative:
On XX/XX/2020 an account by the name " XXXX '' appeared on my credit report as a tradeline. On XX/XX/2020 this account was disputed with the creditor and data furnisher. Experian required a copy of my drivers license and FTC complaint before they could " block '' the tradeline from reporting. As of XX/XX/2020 I have submitted the requested documentation via experian upload documents portal online. Please reference this complaint to further explain the dispute process and results as I am affected financially by covid 19 and any unnecessary delay before my credit report is adjusted to reflect as accurate could negatively impact my household.

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 2020-12-01 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: NC

Complaint narrative:
Contacted Transunion on XX/XX/2020 to have inaccurate information on my credit report disputed. Representative told me the account was not reporting. Just pulled a copy of my credit report on XX/XX/2020 and it shows that the account is in fact reporting. XXXX XXXX XXXX XXXX with a balance of {$1600.00} is a result of identity theft and fraud. Wish to have this investigated and removed. As any unnecessary delay could impact my household negatively as we are victims financially of covid 19.

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 2020-12-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX changed credit card accounts to switch to new company. Around XX/XX/2019. I did have experian delete the old account. But they never put the new one or there. Which I still have through XXXX XXXX XXXX. The other two credit monitors report my arbor credit with the correct account. And a big difference in credit scores. By them not reporting that.

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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
For several months Regions Bank has charged me fees for paying overdrafts on charges they rejected and charged an NSF fee on. Each fee is {$36.00}, so I'm being hit with a {$72.00} fee for everything they return. It's costing me hundreds.

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 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following accounts fail to VALIDATE. After several attempts throughout the year with disputes, there is no documentation nor there is a VALIDATION. The accounts are as followed : XXXX-Fail to respond to validation letter. 
XXXX XXXX XXXX. - ( XXXX XXXX  ) Fail to respond to validation letter. 
XXXX XXXX XXXX. - ( XXXX XXXX ) Fail to respond to validation letter. 
XXXX XXXX XXXX- ( XXXX XXXX XXXX ) Fail to respond to validation letter Also bureau fail to remove unknown credit inquiry XXXX XXXX XX/XX/2020 XX/XX/2020

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XXXX XXXX opened an Apple Card account and placed in their " XXXX  '' electronic portal and is charging my XXXX  subscription to the account, bypassing the XXXX XXXX  account I established to pay Apple. On XX/XX/2020 I contacted Apple. " Apple Card : I never signed up for an Apple Card. I do not need another credit card. I have a XXXX credit card that goes with my Apple account ''. I am being pushed around between Apple and Goldman Sachs the card issuer. I have a trail of messages in which I made two request have the Apple card terminated. I paid pass bills via a check and requested termination of the account. XXXX XXXX XXXX charged the XXXX account and the Apple account. XX/XX/2020 I filed a dispute with the merchant Apple. I can not get the Apple card removed. The Apple Card is all electronic. I do not know the account number. I have no control of the card. I am requesting CFPB investigate the practices of Apple and Goldman Sachs. To repeat I never applied for an Apple Card. I never signed any documents agreeing to use Apple card. This is fraud in my book.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
ON XX/XX/2020 I opened 2 checking accounts ( ending in XXXX & XXXX ) and 1 savings account ( ending XXXX XXXX with CitiBank. On XX/XX/2020 Citibank froze account ending in XXXX with just under {$500.00} in the account. I no longer had access on line or could request my money. No one would speak to me through customer services and I got the run around. On XX/XX/2020 my account ending in XXXX was froze with {$3300.00} remaining in the account. I can see it on line but yet again I am not getting any answers on why this is all happening or how to gain access to my money. Also, on XX/XX/2020 my account ending in XXXX was also frozen with no answers or help with a remaining balance of {$25.00}. 

To date I can not get anyone to answer me. I get transferred from representative to representative over and over and over. And managers tell me " banks can hold your money without any reason required ''.

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 2020-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
XX/XX/2020 {$200.00} The company reported the issue to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
XXXX XXXX {$180.00} This company reported the issue to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disputes sent by ME they dont want to investigate on saying it wasnt submitted by ME. Do they need finger prints as well?

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 2020-12-01 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:
Equifax Is reporting fraudulent inquiries on my credit report from these companies : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a debit card in the mail in regards to opening a checking account with Chase bank. I did not and have not attempted to open a bank account with Chase bank. I called customer service with Chase and they were able to tell me that the account was opened on XX/XX/2020 which is why they sent me a debit card for the checking account. I asked the rep if my social security number was used and he said yes, this person had access to my social security number, name, address, date of birth, everything. The bank also told me to come online and file this complaint because it would be a case where my identity has been stolen and someone trying to use my information. Once again, I did not authorize or open an account with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into there hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
TransUnion is reporting some fraudulent inquiries on my credit report from these companies : XXXX  XXXX- three duplicate entries. 
XXXX XXXX- two duplicate entries. 
XXXX XXXX two- duplicate entries. 
XXXX XXXX-two duplicate entries. 
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 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XX/XX/2020 Sold the property and closed on XX/XX/2020. Escrow account had a balance of {$6700.00} and change, due to be reimbursed to me from the lender. According to their policies this check was to be processed and sent to me within 20 days of the mortgage account being closed. They claim a check was mailed on XX/XX/XXXX. This check was never received. They now claim to have sent another check in midXXXX which has also NOT been received. 76 plus days have elapsed from the closing date as of today. I am monitoring all mail via the USPS notification system daily and have not received either of these checks at the old address or forwarded to my new address.

Account information : PennyMac Loan Services ; account # XXXX ( closed XXXX address : XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation