vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I have been trying to open a business account since XX/XX/XXXX. I have been unable to because allegedly I have a past due balance on a personal account that was closed in XXXX. The alleged balance was charged off, but somehow still carries a balance. I have been requesting validation of this alleged debt every 30 days since XX/XX/XXXX. I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form on or before XX/XX/XXXX. I repeatedly made these offers ; every 30 days to be exact. On every occasion, they have either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right, they have refused to accept payment in the process. That settled the matter legally and financially at XXXX hours on XX/XX/XXXX. As of today, XX/XX/XXXX, the alleged debt is still there so I am unable to open my business account. With no valid documentation ensuring the alleged debt is 100 % verifiable and 100 % accurate, this alleged debt does not exist. The CFPB ordered Navy Federal to pay $ XXXX on XX/XX/XXXX for these same exact practices. It is obvious that those same exact improper debt collection practices are continuing today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: NY

Complaint narrative:
Submitted dispute to Equifax in regards to a XXXX credit card account which I never owned in my life to be investigated and removed in XX/XX/2018. They have never updated the status from reinvestigation in progress and have never given me any final determination of the status or results. Ive been waiting since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof. There was no valid original documentation and no receipt from USPS of any correspondence. Therefore further measures will be enforced up to and including contacting the XXXX  and Attorney general to resolve this matter.

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 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: OK

Complaint narrative:
Conns furniture store will start calling me two days before my payment is due and then they text and email as well, today on Sunday XX/XX/18 they have called me 12 times from XXXX to almost XXXX and Im only 5 days late. This has been the way they treat me all the time, I asked them to not call my cell phone and they still do, they wont work with me after I lost my job and Im actually just now five days late. They call me five unlimited different numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Inaccurate reportings of my payment history for my Citi XXXX XXXX Card. 1st it had XX/XX/XXXX showing a late payment, then it changed to XX/XX/XXXX and now it changed to XX/XX/XXXX. There is an inconsistent change happening here and I have the evidence to prove it. All 3 bureaus do not match and are reporting inaccurate information. Also not to mention I've made payments since XXXX of XXXX when my account was opened and wasn't being reported to the bureaus for the payments i've made. Yet again the reportings for all 3 bureaus are not matching.

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 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof. There was no valid original documentation and no receipt from USPS of any correspondence. Therefore further measures will be enforced up to and including contacting the XXXX  and Attorney general to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: MS

Complaint narrative:
I was joint owner on certain loans with my ex wife going thru a divorce. I have court ordered documents, bank records, etc that clearly state I am to be cleared from the delinquent notices that appear on my portion of history because I had my money taken from me by my ex wife transferred to an account in which I could not be granted access to acquiring my portion to be able to pay the loans. And it was ordered by a judge in court my responsible portions. And the mortgage lender is not accepting anything I am sending them to clear me of the harm its caused.

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 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX I've disputed the information on my credit report I have no knowledge of account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 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:
On XX/XX/2018 I filed a fraud dispute with CHASE in the amount of {$9000.00} paid to XXXX XXXX XXXX on XX/XX/2018. 

I provided evidences showing the contract was part of a cross states fraudulent business conducts with deceptive sales techniques, overpromising, nondeliveries and hidden costs. According to law the contract is fraudulent and voidable. I contact the merchant of my complains, and ask for cancellation and refund, but get no response. I started the dispute with CHASE. 

CHASE denied my dispute petition and insisted that I should continue with the fraudulent based contract and continue with the not-yet-completed services. I was told they denied the dispute because the remaining service is available to use. 

But, in fact, the merchant never made the remaining services available to use and had never replied to any of my correspondence up till this day of XX/XX/2018 since the start of the dispute. 

From my perspective, CHASE credit card service had favored the fraudulent business entity, endorsed the deceptive business conduct, discriminated a small business account like mime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPT OF ED/NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one..XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX Credit report there are Two hard inquiries One is XXXX XXXX Credit on XX/XX/XXXX TjMaxx Credit card Both from Sychrony Bank SYNCB/TJX Dual Card XXXX Fl XXXX I did dispute the XXXX  XXXX one and got confirmation # XXXX As well as called them and disputed the other one both being fraudulent! 
When I log in to check your status of dispute it says there is no indication of this number The other hard injury XXXX  Credit Report Onsite Manager Miscellaneous Reporting Angency XX/XX/XXXX and reported on XX/XX/2018 That one has no other information to call and dispute Both of these are fradulent and I did not open nor authorize them Its been over 60 days when I was told it would be taken care of or I would get a letter. Which I have from Stchrony bank but its still on my report. The first time I reported it it was XXXX they told me they would make note of that now again an Tjmax card was opened in my name without there being any warning! As told by SYCHRONY Bank Fraud department This is identity theft and I would like to dispute all three hard injuries as I had no consent in opening or allowing this to happen.

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 2018-10-22 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: AR Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 i disputed a collection debt of {$200.00} from ( AR resources INC ), this dispute was sent certified mail, as per federal law the collection company can not report any derogatory INFORMATION TO ANY CREDIT BUREAU UNTIL ALL DISPUTES ARE EXHAUSTED, and disputed within the first 30 days of receiving the collection notice. i received the notice on XX/XX/2018, dispute was sent before the 30 days. 

on XX/XX/2018 they sent a letter showing a {$00.00} balance invoice contradicting the claim of $ XXXX XX/XX/2018 i disputed the debt again and never received a reply back. on XX/XX/2018 i received a credit alert notice that ( AR RESOURCES INC. ) REPORTED THE COLLECTION TO ALL 3 CREDIT BUREAUS. 
THEY VIOLATED THE DISPUTE PROCESS AND HAVE CAUSED ENORMOUS DAMAGE TO MY CREDIT FILE. 

THIS COMPANY IS COMMITTING CONSUMER FRAUD, AND VIOLATION THE FARE CREDIT ACT RIGHT TO DISPUTE A COLLECTION PRIOR OF IT BEING REPORTED TO ANY CREDIT BUREAU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR XXXX, 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 2018-10-22 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: CA

Complaint narrative:
Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR XXXX, 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 2018-10-22 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: CA

Complaint narrative:
Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one. XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX  ) XXXX, and 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 non-monetary relief
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one. XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX   ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX  ) XXXX, and 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 2018-10-22 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:
I would like for A checking account that WAS NOT OPENED BY ME TO CLOSED OR DELETED FROM MY SOCIAL SECURITY NUMBER. BECAUSE THEY CALL MY PHONE CHARGING ME MONEY FOR AN ACCOUNT UNDER MY NAME WITH A MIDDLE INITIAL STARTING WITH THE LETTER " XXXX '' I HAVE NO MIDDLE INITIAL SO THERE FOR IT WAS NOT ME. THERE FOR IT IS SOMEONE TRYING TO DO FRAUD UNDER MY NAME. I FOUND OUT THAT SOMEONE HAS BEEN USING MY SS # SINCE I WAS A MINOR. I FOUND THIS OUT WHEN I TURNED XXXX DUE TO MY H'R TELLING ME DURING THE HIRING INTERVIEW

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 2018-10-22 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: AZ

Complaint narrative:
My XXXX XXXX credit card # : XXXX is lost/stolen.

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 2018-10-22 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:
My XXXX Visa credit card # : XXXX is lost/stolen.

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 2018-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove this account from my credit report XXXX  BK XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened an account with a brokerage firm that turned out to be a total scam. They call themselves XXXX. I used PayPal for the deposits. XXXX apparently uses a company called XXXX to accept the deposits for them. When I requested a withdrawal they told me that they issue withdrawals in the form of refunds back to PayPal. I still havent received any refunds. They always give me some lame excuse and then put the money I requested to withdrawal back into their fraudulent worthless XXXX account and act like I got my money back. Complete fraudsters. So I ask PayPal to return my stolen money since they were used by this fake broker to defraud me. PayPal said Oh, we dont cover this kind of purchase. Okay, so that means that PayPal is knowingly doing business with a fraudulent company and helping them scam people. Pretty pathetic! I just want my money back that these crooks stole from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
Please remove this account from my credit report XXXX XXXX  XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account

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