vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ME

Complaint narrative:
I am making this fraud report ... .There is an address on my credit report that I have been trying to have removed iv never lived at this address there is a agency reporting to this address this address doesn't exist This. Address is XXXX XXXX XXXX Nissan financial is the ones reporting to this address I don't associate with either past or present

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
happened on XX/XX/2021 i deposted XXXX $ and it only credited my account with XXXX ... which left me losing XXXX dollars ... and now they made a decision to reverse it .... basically there atm stole XXXX dollars of mine ... even though they credited me XXXX and now they decided to reverse it ... so mad

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 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
In XXXX of 2021 I tried to purchase material using funds from my paypal merchant account to cover fees and purchase for my small business. Paypal denied the purchases with no explanation. I then tried to transfer fund to my approved account for the same purchases. Paypal sent me a notice that all my funds were on hold for 180 days. After the 180 days, my funds were to be available. On XX/XX/2021, with no explanation, paypal stole my account balance and classified it as payment to cover their fees and damages. They stole {$2000.00}. They won't let me submit a resolution claim for the fund they stole after I tried to make a purchase nor will they give me an itemized receipt of the alleged fees they have charged. It seems predatory that they only charge the balance of my account for their fees after promising to release the fund within 180 days from the initial attempted purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
Credit Management , LP, improperly applied a debt belong to my mother to my credit report. I provided them with information that the debt was not mine and they returned a message confirming that they would no longer pursue the debt. However, after my requests, they have failed to remove the debt from my credit report. Since XX/XX/XXXX, they have confirmed that I do not all the debt but have failed to remove it from my report. Both a debt collector and the company originating the debt confirm that I am not the account holder and that the collection should not be on my credit report. The debt collector information is as follows The Offices of Credit Management , LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. I am in the process of onboarding to a new job and this inaccurate collections information negatively reflects on my reputation. Credit management LP has had more than enough time to remove this negative mark for my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/21 I sent WELLS FARGO AUTO a Debt Validation Letter, Cease & Desist Letter, and a Affidavit of Truth which was sent Certified Mail with a receipt. Still No response until I made a complaint to the CFPB. However ANY Affidavit according to law, not rebutted line by line is deemed True. I sent out another on XX/XX/21 Certified Mail, letting them know they did not respond in a timely manner. They have violated Federal Law by not providing viable evidence of a contract bearing my signature. The account today is still showing on my consumer profile and it reporting inaccurately. According to the FCRA any unverified items reporting negatively has to be removed. This institution keeps reporting my information as updated. OnXX/XX/21I spoke to XXXX  from XXXX  in the Fraud Department. He was very rude and as I stated to him pursuant to 15 USC 1692 I do not owe any debt because I am a protected consumer and I'm not obligated to pay. I do not owe any debt pursuant to 15 USC 1602 ( o ). I do not owe that debt attached to that account pursuant to 18 USC 8 the debt belong to Social Security Administration. I do not own any debt attached to that account. I also explained that these companies can not validate any debt. To validate a debt is to access an action. I am the administered agent and the only person who can validate the debt, and the debt ISNT MINE!!!!! 

He then proceeded to cut me off and tell me that XXXX  does not have the ability to delete items right away. Which pursuant to 15 USC 1681i ( 5 ) they can delete it. They are completely lying and its unfair to the consumer. He proceeds to say, It has to go through the necessary process ( DISPUTE ). I have expressed I have disputed these items over a period of months. Not only are they in violation of 15 USC 1681b they have continued to Defame my Character which is a Violation of a consumers right to Privacy 15 USC 1681a ( 4 ). After so many attempts to settle this situation I am seeking remedy under15 USC 1681n. I would like the accounts to report pain in a XXXX balance due to the accounts being unverified 15 USC 1681i ( 5 ) and deleted off my report. Also I have attached a Response Letter sent from through the CFBP.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I was notified that that my credit report indicates that I had a payment past 30 reported today. Last month I received a letter from Carrington Mortgage LLC that I did not make my XX/XX/2021 payment. I did make my payment, but Carrington Mortgage incorrectly applied it as a extra principle payment. I called them XX/XX/2021 to get the issue resolved and they told me it would be fixed. Today I received a notice from the credit bureaus that it was report as a late payment. My credit was above 800 and excellent now it's fair and below 800 and I'm in the process of refinancing my other home. Mortgage companies should be held accountable for their mistakes and negative impact it has on consumer 's who have excellent track records in their payments and paying their bills. This whole issue is a direct result is a direct result of their errors and they not taking responsibility for their negative and harmfully actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by SalleMae. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, reached out to Swivell, Inc., Capital Mortgage of Texas since I have a closing on my property located in XXXX Florida. When I spoke with Customer Service requested to get a Release and satisfaction of the mortgage on loan # XXXX since the loan had been already paid off on XX/XX/XXXX. I was transferred to the person in charge of Release XXXX XXXX and all I got was a voice mail, left several messages on XX/XX/XXXX and XX/XX/XXXX, and sent a text via chat on their website and as of today, have no heard from anybody nor received a release of the mortgage that was paid off. The Title Company that is working on the closing also faxed them a request for the satisfaction of mortgage and called XXXX and spoke with someone by the name of Mr. XXXX and no one has responded back to her. I want the Release of the Mortgage. Just wondering why they do not want to release the mortgage that have been paid. Is highly questionable why the do not want to release a mortgage that has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
my husband and I had an agreement with XXXX ( now XXXX ) : Forbearance on our mortgage for the year of XXXX due to financial hardships b/c of covid 19. our Forbearance agreement started in XX/XX/XXXX XXXX XXXX our payments made during the year ( {$3500.00} ) was not deducted from our principal or or forbearance balance, or escrow. They ruined our credit with the credit bureau and reported over 12 late payments during covid 19 and while we were in forbearance. They also did not deduct the months of payments that were made during covid 19 about {$3500.00} of payments that were made were not deducted from our mortgage or interest/escrow. 
My husband and I can not get loancare on the phone. 
lakeview loan servicing has bought out XXXX and they will not respond. 
Experian has tried to help resolve the issue and nothing has been done since we closed on our house XX/XX/XXXX. 
Experian has proof of the payment from my husbands bank account proving the {$3500.00} of payments made during the year of XXXX. 
please help us as we can not get another loan for a house b/c of what loancare ( now lakeview ) has done to our credit and it is an awful situation, we feel we are scammed and we are stuck and can't purchase a house b/c loancare was dishonest and has destroyed our financial reputation. we have paid our balance in full since XX/XX/XXXX. we feel cheated. we feel lied to and stolen from and now our reputation is destroyed, i was denied many morgage loans b/c of it.

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 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Started with Suntrust bank opening an account with someone with my same name then BB & T opening an account from internet application this all started when suntrust and BB & T merged as truist. 4 years ago i had a car loan with suntrust so it is just to coincidental for me. I want a letter from both banks stating accounts are closed and that someone needs to look into the policys of opening up accounts via internet. easy identity theft and why do they not require a valid photo ID for uploading on the web sites.I thought it was a goverment law you had to show 2 forms of valid IDs for identification.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 Amex XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
XXXX XXXX XXXX XXXX  XX/XX/2020 FNB Omaha XX/XX/2020 XXXX 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 non-monetary relief
Consumer complaint received 2021-06-15 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: PR

Complaint narrative:
The credit card service is poor. They dont comply with the requirements as a visa signature member. I opened a dispute on XX/XX/XXXX with the dispute number : XXXX and chase bank dont do nothing to resolve the investigation that I explained them over the phone and faxed the documents to them and they dont do nothing on the dispute. They dont comply with the visa signature customer protection. This is the worst credit card I ever had. They even dont contact the merchant to the dispute. I reopen another case on XX/XX/XXXX with the dispute number : XXXX and they requested another letter requesting what happened on the car service, I send the letter to them and they dont investigate nothing. I dont recommend this bank to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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:
I began disputing an unverified bankruptcy with Equifax in XX/XX/XXXX. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Equifax credit report. Every time this institution responds with the item is verified and the data furnisher is XXXX XXXX. I have reached out to XXXX XXXX on multiple occasions requesting information on if their establishment provided data or verified the information in question. Each time, their response to my inquiry was a resounding No. On XX/XX/XXXX, after speaking with a XXXX XXXX Customer Rep I was able to once again pull my XXXX XXXX consumer report. After Obtaining my XXXX XXXX report and reviewing the information, it was confirmed that Equifax had not conducted a proper investigation into my dispute. According to my XXXX XXXX report Dated XX/XX/XXXX page number # 2 shows that a security freeze has been in place since XX/XX/XXXX, and page # 47 of the same Lexis Nexis report shows no Bankruptcy under Section 9 Bankruptcy records. On XX/XX/XXXX, I sent another letter to Equifax once again disputing the information. On XX/XX/XXXX, I received a response stating that the information was once again verified and the data furnisher was XXXX XXXX. I have included pages 2 and 47 from my XXXX XXXX report dated XX/XX/XXXX, as supporting documentation to prove that a proper investigation is not being conducted and Equifax is continuing to report unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Inaccurate Account - XXXX XXXX XXXX This account is reported as 2 entries in XXXX. One entry stated open account. The second stated this account as a collection. No report of this account in XXXX or XXXX. I have no knowledge of this account. Please delete as this violates the FCRA in reporting. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by XXXX. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.

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 2021-06-15 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: FL

Complaint narrative:
The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by XXXX. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.

Company response to consumer: Closed with explanation