vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
There is a claim on my Credit saying I owe a Target {$430.00} for a false account I never opened. I will take legal action against Target if this is not cleared immediately. I believe my identity has been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Around XX/XX/XXXX, I received a notification from XXXX XXXX that I had a student loan account that was reported as a delinquent. As a result of the information provided by XXXX XXXX, I was able to contact my federal student loan servicer ( Nelnet ) and let them know that I had received no prior communication from them, and was unaware that they would be servicing my federal loans. During our initial conversation, they even verified that they had my appropriate email address and phone number on file. At that time, I was notified by a Nelnet representative that I could consolidate my loans, which would bring the accounts current and that they would remove the negative report from my credit score. 
On today, XX/XX/XXXX, I applied for credit for a separate loan product with another company and received a notification that I was denied due to the delinquency still being reported on my credit report. I then called Nelnet, who informed me that the information that I was given by another one of their representatives was false. The representative I spoke to today, also initially claimed that she couldn't find in their records when someone would have told me this, which I believe to be a lie in an attempt to cover up the false information that I was given, as she later stated that I had previously spoke to four different people during the time of my initial complaint with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: FL

Complaint narrative:
My identity was stolen. I did not authorize this account to be an open by any unauthorize person to do anything using my name or Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
IN XXXX XXXX XXXX  HAD BEEN FALSIFYING LAWSUIT AND FINALLY ILLEGAL JUDGEMENTS WHICH WAS NSERTED IN TO MY EXPERIAN CREDIT REPORTS SEVERAL TIMES.AND RE-INSERTRD TWICE.

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 2019-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Since XX/XX/2019, I have been requesting to have Nordstrom card services change bill due date. And there have been excuse after excuse from the company as to why it cant be changed on that particular date but to call back. As the bill gets paid, there are late fees that keep being assessed to the account, though the date is supposed to be able to be changed for the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OH

Complaint narrative:
This account is in litigation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 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:
This is my second complaint to the CFPB in as many months. I am a victim of Identity theft and there has is negative information documented erroneously in the file Experian maintains under my Social Security number. Upon reviewing an updated copy of my credit report, I see the aforementioned accounts which were not authorized by me either was I a beneficiary of any usage or services from the lenders listed. I challenge the accuracy, compliance and reportability of these listings. Please delete these accounts as fraudulent, unauthorized and are not bearing my original signature. I formally dispute and request that this information be immediately deleted from the credit file Experian maintains under my Social Security number. Please note that I have the right to dispute and request this deletion of the identified accounts per FCRA sub section 605b and I requested full proof in the aforementioned structure, as per the FCRA Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of Experian 's actions, including thereMethod of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 4 business days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Endorsement 3. ) Identity Fraud 4. ) Violations of the Fair Credit Reporting Act Section 605b, Section 609, Section 611

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 2019-10-14 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:
I filed a legally sufficient identity fraud complaint with Equifax under FCRA Section 605B. Under that Section, Equifax is required to block the fraudulent information within four days of receiving the complaint. Four days came and went after Equifax received the complaint. Equifax purposely did not block the information and provided no lawful excuse for their failure. Instead, Equifax sent me a report some 30 days after receiving the complaint, simply stating that the following, " Please be advise that Equifax, at this time, will not block the information subject to the sumitted identity theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account/s on your behalf. We will forward a copy of the documents you have provided to each crditor for their review.. 

In their response and conduct, Equifax has chosen to ignore the law. 

Equifax report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I went to XXXX to request my personal credit report, as I have done for years. I completed the information to request a report from Experian. Despite having lived at the current address for over 3 years, the web site kept saying it could not confirm my address. I know I answered the challenge questions correctly. 

It next said I could upload images of a driver 's license and utility bill. I tried several times to do that with a 500kb scan file, using both PDF and TIF file formats. Each time, it reported an error, saying to use PDF or TIF. It finally kicked me out, saying to mail in the information. 

I successfully used XXXX last XXXX to order my report from Experian. Nothing has changed on my end since then. I'm an XXXX XXXX, so I know all about file formats, sizes, etc. The file I was trying to upload met all of their criteria. It feels like they are deliberately trying to make the process difficult or to fail.

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 2019-10-14 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
IN XXXX MIDLAND FUNDING HAD BEEN FALSIFYING LAWSUIT AND FINALLY ILLEGAL JUDGEMENTS WHICH WAS NSERTED IN TO MY XXXX   CREDIT REPORTS SEVERAL TIMES.AND RE-INSERTRD TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Checkr, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX just got a background check from Checkr Background Service on me. On page 3, in my motor vehicle report under Suspensions, there is an incorrect XXXX. Serious Commercial Disqualification item dated XX/XX/XXXX ; 2018 : listed from XX/XX/2018 through XX/XX/2018. This information is incorrect and Im requesting it be removed from my record. My phone number is XXXX. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: FL

Complaint narrative:
My identity was stolen. I did not authorize this account to be an open by any unauthorize person to do anything using my name or Social Security

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 2019-10-14 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Relevant dates : XX/XX/XXXX - XX/XX/XXXX Dispute Nature : Falsely reporting late/missed payments for my mortgage payments Offender : Wells Fargo Mortgage I am a US Veteran and took out a VA Mortgage through Wells Fargo back in XXXX and have always paid on time and in full without fail. ( in fact I overpay and pay early to lower my interest payments ). 

In XX/XX/XXXX I went abroad to XXXX to get my XXXX with my GI Bill and did not have access to my US address or US phone number. I notified all my banks ( including Wells Fargo ) and they assured me it wasn't a problem and that they could reach me via email. 

In XX/XX/XXXX Wells Fargo stopped crediting my account because of escrow readjustments even though they were accepting my payments. They never notified me ( via email, as promised ) and instead held the money in their accounts earning interest at my expense. On top of that, they had the audacity to charge me late payments of {$430.00} despite holding onto my payments and also falsely reported my payments as missed/late to credit reporting agencies ( XXXX, XXXX, XXXX, etc ) causing my credit score to plummet by over 400 points. 

It wasn't until XXXX of XXXX where they threatened to foreclose my house and seize it did they bother to contact me ( via email, as promised ). At that point I had to choice but to immediately pay the fines and bring my account back to good standing. 

After everything was settled, I called Wells Fargo and the credit reporting agencies to dispute my credit score and Wells Fargo refused to cooperate and my credit history lies in ruin and they also refuse to reimburse me for the fraudulently charged late fees. 

I am asking for your help in helping me fix this and restore my credit history back to its former good standing. Thank you. 

If need be, I have all my banks statements annotated and highlighted attesting to the validity of my claims, for your convenience.

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 2019-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Wednesday XX/XX/XXXX, XXXX XXXXXXXX XXXX I attempted to login to my mobile banking app and was told that i had been locked out. 
XXXX XXXX- I went to my bank to see how i could unlock it and why it had been locked. The banker told me that there was fraudulent activity and that I was no longer allowed to bank or have any business there. I asked her what she meant by fraudulent activity to see if there was some kind of mistake. Then she asked me whether i had deposited 4 checks of {$850.00} each into my bank account the previous day. I told her i had no idea where that money had come from and asked her about the checks and she told me they were from a school district I used to attend and that they had been forged with my name printed on both the front and back of the checks. i had proceeded to leave that bank after they kicked me out and told me that there was nothing they could do and that I would get the money that was previously in my savings account within 3-5 business days. 
Thursday XX/XX/XXXX, XXXX XXXX XXXX. I was in a parenting class when i noticed i had gotten an email from XXXX about a scarf i had purchased online, only I never purchased it and it was being sent to XXXX ( I live in XXXX ). 
XXXXXXXX XXXX. I went to talk to the school districts police department ( XXXX PD ) to bring awareness to the checks that were forged under my name and now the new scarf that was bought under my name as well. The detective I spoke to told me that the checks that were deposited into my account were real checks that had been issued out, but not to me. They belonged to another emloyee and somehow were washed and then put my name and information on top of. 
XXXX XXXX After talking to XXXX PD i proceeded to go down to to XXXX XXXX Police Department and then tell them my story. They told me that because no money was stolen no real crime was committed. 
Friday XX/XX/2019 XXXX XXXX. I went to the bank again, this time with my mother to try and get my money and also ask the bank NOT to mail me a check for my money. We talked to a branch manager about my situation and he then called the Loss Prevention team and asked them if there was anyway I could get my money sooner, he never put them on speaker and talked to them privately over the phone and when he hung up he came back to me and my mother and told us that this time it might take up to 7-10 days to get my money from the bank because they are conducting an investegation against me and that that timeline was subject to change and could be even longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: TMX Finance LLC
State: MD

Complaint narrative:
i applyed for the loan in XXXX i started out asking for a smaller amount but the lady told me i was approved for XXXX so i decscided to go with XXXX and pay off all my bills and just have one payment every month but when i found out later i only got XXXX the lady went with me to the bank and i didnt get the money untill i paid my old title loan off so they could get my title i ask them to give me the other money she said i was only approved for XXXX but she lead me to believe i was getting XXXX i didnt know untill i went back to the office i only recieved XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have 3 private loans open with Navient they have been since XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from XXXX XXXX XXXX college. 
The one loan is for XXXX, XXXX which was originally for XXXX. The other Loan for XXXX was for XXXX the last was XXXX and was XXXX the loans have never went down only went up over an 12 year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My husband and I are both minorities and have been loyal customers to TD bank for a number of years. The branch on XXXX XXXX and XXXX in XXXX, PA has always shown some form of discrimination against us whenever we use the drive through services. On every single encounter, we are not served in the order we arrive, we are always asked for extra verification and information that isnt required of neighboring clients that arrive after us ( that happen to be XXXX ), and our wait time is always between 15-20mins for simple transactions. We never have issues at any of the other branches we go to. This branch needs to seriously reevaluate its employees and review its discrimination policies, especially to those who work the drive through area.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
XXXX : I receive a call from XXXX. Caller leaves voicemail, identifies self as " XXXX XXXX '' calling about an " important business matter '' and states " we want assure that you are given a final opportunity to secure a statement here in your defense so that no decisions are made without your knowledge. '' She leaves call back number XXXX ext XXXX and ends call with " you've been notified and good luck ''. 

XXXX : my brother receive a call from the same woman at the same #, asking for me. She gives him my date of birth and tells him she is calling about an important legal matter and needs to get a statement from me before they reach out to my employers. 

At no point does she inform either of us she is trying to collect a debt and she misrepresented herself and the situation to be about a pending legal issue. I call the XXXX # and the automation says it is OFG LLC, a debt collection company. I believe this may be a scam, but either way, she used legalese and scare tactics to try and get me to call her.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: IN

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
It has come to my attention though contact with the office of the Attorney General of the State of New Jersey that payday loans and tribal installment loans are illegal in New Jersey because interest rates exceed the 30 % allowed under law. It is criminal usury if a lender charges an interest rate of 30 % or more to an individual .Your interest rate on this loan is is 467.77 %. Because the loan agreement was signed electronically on a computer in New Jersey it is governed by NJ law, Not Tribal. Tribal laws apply to tribal members and people living on the reservation. 
Therefore, the loan contract that I have with you, according to my state 's laws, is illegal and not enforceable. Although I am not required to do so, I have repaid the principal balance of the loan. To date, I have received {$1000.00} and have made 3 payments of {$340.00} for a total of {$1000.00}. This results in an overpayment of {$32.00}. I am a XXXX year old veteran living on social security and a part-time job, I can not make these payments and keep up with the rest of my obligations each month. 
At this time I am requesting a return email acknowledging that my loan has been paid in full and my account has been closed. Also, I would like a refund of the {$32.00} overpayment. A refund check of {$32.00} should be mailed to me at the address you have on file. 
I am revoking ACH authorization, per Federal law, Regulation E Section 205.10 concerning pre-authorized transfers. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.I demand that any contact be made through email only. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number.

Company response to consumer: Closed with explanation