vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: PA

Complaint narrative:
Collection accounts were added to my credit report on XX/XX/XXXX for {$620.00} and on XX/XX/XXXX for XXXX. I sent 3 rounds of debt validation request to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as a complaint letter stating that the collection agencies failed to provide proof of validation for these debts. Equifax responded to me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each response consisted of a copy of my credit report stating that the debt had been validated. Equifax has yet to provide me proof of these claims such as a copy of an original contract with my written signature on it or any information as to who they spoke with during this investigation or what evidence was provided to validate this debt. Equifax is violation of section 609 of the FCRA by continuing to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I sent a letter to Experian in XX/XX/XXXX asking for accounts showing on my credit report for XXXX XXXX XXXX to be validated. I received a response from Experian online dated XX/XX/XXXX stating that the company that reported the information has certified to Experian that the information is accurate. I received another response online dated XX/XX/XXXX stating an account for XXXX XXXX XXXX was updated. 

I sent a follow up letter to Experian on XX/XX/XXXX requesting to receive an original contract bearing my written signature showing that I am responsible for the alleged debts reporting on my credit report from XXXX XXXX XXXX. 

I received an online response dated XX/XX/XXXX stating the accounts with XXXX XXXX XXXX was updated, not changed, and the company that reported the information has certified to Experian that the information is accurate. 

There were no contracts or signatures for the alleged debts at all. Simply stating an account is verified or accurate without providing a written signature does not validate the debts and anybody can send a letter or say its mine. According to the FCRA, Experian has violated my rights as a consumer and I am requesting legal action to remove these accounts immediately.

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 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: HI

Complaint narrative:
I send money via Western Union app on XX/XX/XXXX to my nephew XXXX XXXX XXXX in Delaware. He didn't pick it up then. I called Western Union last year for a refund and an agent told me that they can refund it to the debit card that I used to send the money on the app. He advised me that it's best to have my nephew pick it up because I no longer have the card I used to send the money. 
On Saturday XX/XX/XXXX my nephew went to pick up the money. He was told that the XXXX number XXXX is invalid. 
I called Western Union and spoke to an agent, a Supervisor and a Manager. The Manager told me that it would take 48 hours for the money to be available at a Western union location. She will call and email when the money is available for pickup at a Western union location. Yesterday, XX/XX/XXXX I called Western union again because I haven't heard from anyone at Western union. After given the run around at almost 2 and half hours I was finally connected to a manager that told me that they can't send the money to my nephew, instead Western union will send me a XXXX  number that I could use to pickup my refund BUT it would take 24 hours. He will call me and email me with the number. I haven't heard from anyone today.

I called Western union again and spoke to an agent that remember speaking with me on Saturday. After I gave him my Case No. Of XXXX i was told that a Manager is not available and will have one call me when a manager is available. He also apologized because he doesn't know why it was taken so long to have the issue resolved. This is ridiculous and all I need is to have the money available to my nephew.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
In XX/XX/2021 I sent letter inaccurate accounts on my credit report and it has remained unanswered for over 60 days. It has been almost 60 days and I have yet to receive a reply. I demand that these account be deleted or I will seek damages if warranted. FCRA Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Captial One bank USA N account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Bank of America account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.

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 2021-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Hazard insurance premium paid from my escrow account has not been received by insurance company. 
Servicer refuses to release detail information such as copy of check paid to insurance or to refund funds back to my 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
Consumer complaint received 2021-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Capital one auto finance account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX  and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: OR

Complaint narrative:
Waiting 7 weeks to withdraw {$150.00} dollars have emailed many times and sent photos of my Identification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX from XX/XX/XXXX to XX/XX/XXXX the company has went into my bank account and took out XXXX XXXX and {$60.00} they did it as a form of retaliation because I reported them for committing fraud and going against their fiduciary duties and I made a complaint on them before they disregard the fact that the consumer finance department no one is aware of them robbing me previous time before and they wanted to show me that they don't care what a day would I make a complaint because they're going to do what they want to do and robbed me and no one can do anything about it I don't care if they try to XXXX me a hundred times I'm going to report them a hundred time until they get into their head not to go against their fiduciary duty to respect their client and not to commit fraud they have stolen {$460.00} out of my account in the month of XX/XX/XXXX to the XXXX this year XXXX. So I like to see if we need to look into it and to stop them from continuously looking to commit fraud against their clients go against their fiduciary duties and during the time of Corona during our endemic they're looking to make me more poor than I am now. to not be able to can buy food or to take care of myself or my family [ XX/XX/XXXX, XXXX XXXX ] Chase Bank located in the XXXX new York area bank routing number XXXX Routing number My Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX new York XXXX My email : XXXX Bank account number is : XXXX Name of bank : XXXX Complaint sent to chase bank credit card XXXX : For CFPB there was a mistake made it is not a bank credit card this complaint is about the bank taking money from my checking account. It was meant to say ATM card and withdraw from checking saving account. So I just showed the complaint number of the first complaint and this is the correction to that complaint because it is not a credit card it is the bank going into my bank account and taken out XXXX to {$480.00} from my account the month of XX/XX/XXXX to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I opened a letter from Wells Fargo dated XX/XX/2021 that was mailed to my parents address. The letter stated that a personal loan application in my name was denied. This was a fraudulent application as I did not apply for a loan. On XX/XX/2021 I called Wells Fargo and discovered that in addition to the fraudulent loan application, fraudulent credit card applications were submitted and a fraudulent checking account was opened under my name. I reported this as identity theft and submitted a fraud claim with Wells Fargo for all accounts. Wells Fargo acknowledged that the personal loan and credit card applications would be closed and would request the credit agencies to remove the inquiry from my credit report. 

I later received a letter dated XX/XX/2021 from Wells Fargo stating that my fraud claim on the checking account was denied that I am responsible for all charges on the account as a welcome package and email had been sent during account opening. This fraudulent account was opened without my knowledge and I never received a welcome letter or email to be aware that this account even existed. The email address they had on file was a fraudulent email address and is not my email address. Also the home and mailing addresses they had on record were also fraudulent. I went into the branch to obtain copies of the transaction history and discovered the account also has multiple fraudulent checks deposited. I had multiple calls with the Wells Fargo Online Fraud Claims department and they refuse to reopen the investigation and provide any assistance. 

I filed a police report and FTC Identity Theft Report.

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 2021-03-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I had 2 accounts fraudulently opened in my name years ago. I have attempted to dispute such items many times with the credit bureaus and the accounts that were fraudulently opened are still reporting to various credit reporting agencies. I recently found out it was my cousin who created an online login for XXXX by fraudulently using my information and opened these accounts fraudulently. I have mailed a notarized affidavit of facts from him admitting to opening and using those accounts without my knowledge. I also submitted a notarized Identity Theft Affidavit from myself and FTC Identity Theft Report to further document this identity theft issue. USAA received my letters via certified mail on XX/XX/XXXX ( Tracking # XXXX ) and did not block the fraudulent information as required by law within 4 days of receiving my dispute. As USAA should be familiar with already, when you sign an affidavit you are asserting that the information is true and that you have personal knowledge of the facts contained in the affidavit, and it is only valid when made voluntarily, without coercion, and signed by an agent authorized under Section 139 of the Code of Civil Procedure 1908 in which both affidavits were signed correctly and accordance with the law. An affidavit is pivotal in law due to the fact that nothing ( in-law ) has the power to cancel/override an affidavit except another affidavit that has rebutted the first, point for point. Any rebuttal must be for the whole and complete affidavit and not partially. This makes both affidavits legally binding under oath in which USAA as per federal law as a data furnisher must fulfill their legal obligation to treat it as such and remove the items I have identified as fraudulent in relation to identity theft immediately unless they provide a counter-affidavit rebutting the 2 affidavits I submitted to them. The fraudulent accounts on my report have caused me severe hardship as I have not been able to attain financing for a vehicle and get credit cards in emergency situations such as when the COVID-19 pandemic started and I lost my job and now collecting unemployment through my USAA checking account. I could not manage bills utilizing my credit as I should have if it weren't for these fraudulent accounts reporting to the various credit bureaus. I have disputed these accounts prior to the pandemic and they refused to remove them even after submitting the same identity theft affidavit and FTC identity theft report to the credit bureaus. FCRA 623 ( a ) ( 6 ) ( B ) states : If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I AM WRITING THIS COMPLAINT AGAINST CAPITOL ONE BANK FOR CHARGES MADE ON MY CREDIT CARD FOR A CAR RENTAL BY XXXX  XXXX  XXXX  XXXX. I SUBMIT A DISPUTE TWO DAYS AGO AND THE DISPUTE IS ALREADY RESOLVED WITH CONTACTING ME FOR ANY PROOF OR EVIDENCE ON THE CAR RENTAL. I DID A TWO DAYS ONLINE RENTAL WITH XXXX  XXXX  XXXX  FOR A CHARGE OF XXXX WHICH WAS CHARGE ON MY XXXX CREDIT CARD AND WHEN I WENT TO PICK THE CAR AT XXXX XXXX I WAS ASKED TO MAKE A DEPOSIT FOR XXXX XXXX AND XXXX DOLLARS ON MY CAPITAL ONE CARD. THEN I HAD A ONE DAY EXTENTION FOR XXXX PLUS TAXES WHICH WAS SUPPOSED TO BE CHARGE TO MY CAPITOL ONE CREDIT CARD. BUT XXXX  CHARGED XXXX DOLLARS WHICH IS A RIP OFF, I AM SURE THIS COMPANY IS RIPPING A LOT OF INNOCENT PEOPLE OFF WHO DON'T KNOW ABOUT CAR RENTALS. I WOULD APPRECIATE ON INVESTIGATION BEING DONE ON BOTH COMPANIES BECAUSE I HAVE PROOF OF MY RENTALS RECEIPT. ALSO I AM REQUESTING THE STATE OFFICIALS OR THE APPROPRIATE DEPARTMENT OF NEW YORK STATE TO CHECK ON THE CHARGES ON THEIR RENTALS AGREEMENT THAT THE GIVE OUT TO CONSUMERS ON THEIR RENTALS. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Credit Bureau Financial Services, Inc.
State: TX

Complaint narrative:
Hi, my name is XXXX XXXX. I am writing you guys because I seen some information of my credit report that is inaccurate, which is affecting my credit score. I sent in dispute letters to XXXX, XXXX & XXXX  about multipe inquiries that I have found on my credit report that I never authorized, which I believe was identity fraud & I have asked that if they are not able to verify and show proof that they must delete these items off my record as it affects my credit history. I have sent my letters Certified Mailed with USPS since XXXX XXXXst, 2021 to insure that I am able to track them and insure that the credit bureaus received them ( which they did ) & I will be providing proof of receipt with photo uploads. I would really appreciate it if you guys can reach out to them because I still have not seen any results as it has been more than 45 days. 

Best, XXXX XXXX XXXX XXXX XXXX , XXXX Tx XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-24 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: I.C. System, Inc.
State: CA

Complaint narrative:
I recently check my credit report and found negative or pass due on the report that is not my so I had to dispute each one and while it was time consuming slowly it was getting cleaned up but the was a credit card negative report that is not my but the collection agency input the same negative item twice on my credit report and I file a dispute with them three time but each time without giving me a reason or a reply it stays on my credit report. How is that legal for them to report two negative report using the same item? Is damaged my credit badly. The Company I.C. SYSTEM, INC ac # 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 2021-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NE

Complaint narrative:
My loan originated in XXXX as means to pay for my daughter 's college education. I've struggled for the last 15 years in making any kind of repayment, but have tried to work with Nelnet with deferred payments and forebearances. Several times over the last few years I was instructed by Nelnet over the phone ( never in writing ) to use the FSA portal to apply for Income Based Repayment Plans. Each time, I get a " verbal '' denial, but NOTHING appears in the official Nelnet.com website. My last attempt was due to the pandemic, I was forced out of work since XX/XX/XXXX and was instructed to use the FSA portal again, completed all the paperwork, then called Nelnet to check on the status. Even though NELNET reps instructed me to use this process, I was verbally told that my loans didn't qualify for income driven repayment. YET, there is literally NO PAPER TRAIL from Nelnet acknowledging that they ever considered any of my applications, no formal denial, NOTHING for me to understand how on one hand Nelnet is a listed provider that should consider the repayment plans sent to them, but on the other hand - Nelnet representatives verbally state I do not qualify? Additionally, if they aren't subject to the federal rules, then the NELNET loans should have been terminated with my XXXX bankruptcy. I am frustrated and feel they are using tricky methods to try and force a restart of the loan obligation with a " consolidation '', which I have no interest in doing. Either they are or they are not part of the federal regulations for student loans and either way, NELNET is not presenting valid repayment options in full disclosures for borrowers. A perusal of my account there also shows how they have added over {$20000.00} to the " principal '' that started at about $ XXXX, to demand an over {$35000.00} balance with a projected repayment of over {$75000.00}!? The accounting and accountability are in question here.

Company response to consumer: Closed with explanation