vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
There is a debt from a company called Diversified Consultants stemming from an XXXX XXXX XXXX XXXX  equipment return. Ive returned the equipment and spoken each of the companies who have both confirmed that no debt was owed anymore. This was opened XX/XX/2018 and there is absolutely nothing I owe at all. Please help me delete this from my credit report. Ive done everything Inwas suppose to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX 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 2018-11-01 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX 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 2018-11-01 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home XXXX COUNTY EMPLOYEE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase advertised their new XXXX Credit Card with an offer of XXXX XXXX points once you spent {$5000.00} within the first 3 months. I applied for and was approved for the card. I made more than the required purchases and paid the annual fee. Chase never sent the XXXX points to XXXX. Each time I called they told me the points had been sent, then they said it takes 6 days, then they said it takes 10 days, then they said it takes 6 weeks and then they said it takes 6 months. While the XXXX points never were posted, they did subtract XXXX points from my XXXX account for a return of {$70.00} on the card. 

I want them to provide the points as promised. When I called to complain, they said there was nothing they could do and then they cancelled the account. If I do not get the points, I will sue in Small Claims Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX XXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This whole problem started when I had XXXX XXXX. My job was with them I paid them and when I least imagined I was with BANK OF AMERICA I was in arrangements with them when it appeared that it was no longer BANK OF AMERICA had  changed to XXXX XXXX XXXX 
I communicated with them and they sent me to XXXX. They have made fun of me all these years, they send me letters that I qualify for a modification, they ask me for documents, I send them to them and they spend months and I call and call and they tell me that it is in process. After several months they send me letters saying that the bank does not want to participate. I call them again to send some payment while they fix the problem and they tell me that they can not receive any payment until the modification is made.I have hired lawyers and lost a lot of money and do not want to participate. Then they come back and send me another letter that I now qualify and so I've filled hundreds of applications and it's always the same. So they keep playing with my feelings all the time.

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 2018-11-01 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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX  XXXX, and XXXX XXXX ( Original Creditor : XXXX 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 2018-11-01 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX  XXXX, and PROF DEBT ( Original Creditor : XXXX 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 2018-11-01 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I sent a letter dated XX/XX/18 to XXXX disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received a letter from XXXX dated XX/XX/18 that stated that XXXX updated this account to reporting as " Paid in Full ''. I received another letter from XXXX on XX/XX/18 that stated they were researching my request and would provide a response by XX/XX/18. After I received that letter from XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I received a letter from XXXX dated XX/XX/18 that stated the account was being reported accurately. I received another letter from XXXX dated XX/XX/18 stating again the account was being reported correctly and they provided a copy of a billing statement. I pulled my XXXX  report again on XX/XX/18 and my account was not marked in dispute. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was not marked in dispute on my XXXX report. XXXX has violated section 623 ( a ) ( 3 )  of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.

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 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/18 and XX/XX/18, I was out of town and tried using non M & T Bank ATMs to withdraw money from my checking account. Unfortunately I was unable to access cash since my ATM privileges were blocked by M & T Bank. 

On XX/XX/18, I spoke to an M & T Bank representative regarding my inability to access cash using my ATM card while out of town. I was informed that I had to put in a travel notice prior to leaving town. After I spoke to the representative, I was able to withdraw money from the non M & T Bank ATM. 

On XX/XX/18, when I logged into my checking account online, I was surprised to see that I was hit with 5 different inquiry fees. In using the other bank 's ATM, I only agreed to pay the non M & T Bank ATM fee. I did not expect to be charged for 5 different inquiry fees and was not prompted by the ATM to accept any of these inquiry fees. I called an M & T representative to challenge these fees and the representative was only willing to reverse 3 of the 5 inquiry fees. 

I find it very unfair that no only was I blocked from accessing my account from another bank 's ATM, but that in my attempts to access cash, I was also hit with inquiry fees multiple times and in each case was not informed that I would be charged an inquiry fee. All XXXX inquiry fees should be reversed, not just 3 of 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 monetary relief
Consumer complaint received 2018-11-01 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the account XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car.

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 2018-11-01 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:
I am concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the account XXXX   XXXX has nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: GA

Complaint narrative:
I have disputed the late payments XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the late payments XXXX XXXX XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OR

Complaint narrative:
I am enrolled on the route to public service loan forgiveness through XXXX XXXX XXXX. When I initially enrolled I had 63 payments counted from my 5 years of employment for 2 separate XXXX. I am absolutely certain my employers qualified as I was a XXXX XXXX  employee. I am also absolutely certain my payments were under PSLF qualifying repayments using income based repayment.

I was placed under " audit '' around XX/XX/2017to verify my payments. I have called numerous times over the past year and they keep telling me that the audit takes more time and they have no further information.

This is unreasonable service to take so long to simply count my payments and not provide any further guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I sent a letter dated XX/XX/18 to XXXX 's disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. After I received that letter from XXXX XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was marked " Election of remedy-reported by subscriber '' from a previous dispute through XXXX regarding this account. I received a letter from XXXX XXXX dated XX/XX/18 that stated that XXXX XXXX was unable to process my request with the information I provided. I pulled my XXXX report again on XX/XX/18 and my account was marked " Account in dispute-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was marked " Account in dispute-reported by subscriber '' on my XXXX report. XXXX 's has violated section 623 ( a ) ( 3 ) of  the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.

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 2018-11-01 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise..

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( showing multiple entries on my credit report ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX****, XXXX XXXX XXXX, XXXX XXXX XXXX, and Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a complaint because U.S. Bank refused to return {$5500.00} that was stolen from my account in the form of a fraudulent check. They lied in their response to my complaint, stating that " you stated that you had checks stolen before XX/XX/XXXX. The loss of your checks not being reported was resulted in your claim being denied. '' That's not what happened. When I signed my affidavit I indicated that the checks had been stolen prior to XX/XX/XXXX, based on the address on the check. Prior toXX/XX/XXXX I had no idea a check had been stolen from me. I was trying to give U.S. Bank as much information as possible, and the address on the check was from a residence I moved out of in XX/XX/XXXX. Again, I had no idea the check had been stolen until XX/XX/XXXX when I saw the fraudulent check on my account. If you read their letter from XX/XX/XXXX they didn't even mention anything about the checks being stolen prior to XX/XX/XXXX, they said they refused to return my checks because I " failed to secure '' my checks. The reasons they're giving for refusing to return my money keep changing, but the bottom line is that the check was fraudulent, I had no idea the check had been stolen, and U.S. Bank is obligated to return my funds for the fraudulent check, even though they have continuously refused to do so.

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