vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
In 1996, I enrolled in the XXXX XXXX XXXX program at XXXX for XXXX XXXX XXXX in XXXX, TX, I was told the program was XXXX approved and my credits were transferable to a 4 year college or university. I refinanced the loan with Nelnet and through the years, every college or university that I have applied for admission will not accept my credits or degree and state the XXXX for XXXX XXXX XXXX is not an approved higher education school. XXXX has confirmed that I can not become a member because I did not graduate from an XXXX approved program. 
I have contacted XXXX for XXXX XXXX XXXX for assistance and was told I could now re-enroll to earn a Paralegal certificate for additional costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They are reporting wrong address and name

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 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XX/XX/2020 I spoke with the customer service representative and stated that I was having trouble making payments due to being furloughed because of COVID-19. He stated that I could make a payment as soon as I could.I made the payment. I was experiencing more furloughs and could not make the payment. I contacted the store to set up arrangements. She stated that the system was down and she could not access my file. She said she would contact me when the system was working again. I never received a call. I then received notification that there had been changes to my credit report. The company reported me 30 days late. Now they added another 30 days late. My payment record was perfect until the pandemic. I could not understand why they would report to the credit bureau 60 days late during this time. Now my credit score has dropped significantly. They are now calling my job and my phone constantly. When I answer the phone they won't say anything. This is in violation of the Fair Credit Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: FL

Complaint narrative:
I did not give any kind of Consent to anyone to open these fraudulent Accounts I'm a victim of Identity Theft and now these Accounts are being sold to Creditor which is totally Wrong. This is not right!!!

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 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Received an alert that a collection account was added to my credit file. The account stated XXXX XXXX in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. 
I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. 

The company they state I owe is XXXX mobile. Which was highly unusual because I am a customer with XXXX mobile and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX to verify the debt they said there debt was valid. 

I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. 

Please remove this fraudulent account from my credit file correspondence below. Thanks.

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 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Received an alert that a collection account was added to my credit file. The account stated XXXX XXXX in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. The company they state I owe is XXXX XXXX. Which was highly unusual because I am a customer with XXXX XXXX and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX to verify the debt they said there debt was valid. I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. Please remove this fraudulent account from my credit file correspondence below. Thanks.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
They are reporting the wrong information such as my address and my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
They are reporting the wrong information such as my address and my name

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 2020-06-30 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: GA

Complaint narrative:
Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( XXXX ) Address : XXXX XXXX XXXX  ( XXXX & Experian ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX Please remove the inaccurrate late Reportings on the following accounts : XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$8.00} ; I was never late. 
XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$15.00} ; I was never late. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 

Please remove unauthorized inquiries : XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( 2 Times ) 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 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
JP RECOVERY SERVICES XXXX needs to delete this account from my credit report and stop all contact with me. I demand to see the contract and PROOF OF CLAIM OR TRANSFER TITLE OF OWNERSHIP OF THIS DEBT BE PROVIDED. PLEASE STOP ALL CONTACT WE ME BY PHONE. PLEASE FILL OUT THE ATTACHED CREDITOR DISCLOSURE STATEMENT. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt.I will prefer that we both avoid the pursuit of my rights, under 15 USC Section 1681n and 1681o ; which requires your compliance with the law. Please follow up with a response of accurate information within 15 days. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Due to COVID-19, I contacted the company to pay off the balance of the loan. I called several times before reaching a satisfactory agreement. The agreement included 2 forgiven payments and I was told that the loan would be brought current. On XX/XX/2020 I paid off the balance off the " current '' loan. 

Today I find that they reported a delinquent payment to the credit bureau and closed the loan which was contrary to the agreement made. The deliberately mislead me and deliberately attempted to hurt my credit rating. During my attempts to make an arrangement with them, they avoided returning my calls and caused the agreed amount to increase by days before I could pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a victim of identity theft where a party posing as a legitimate company hacked my accounts after I provided info to set up direct deposit. The third party attempted to deposit checks and withdraw funds from the account. I alerted Bank of America immediately to inform them of what happened and was told that everything would be okay since I did not withdraw the funds, the IP address did not match mine and the checks were forged. Bank of America also has access to the security camera where the funds were withdrawn showing it was not me who withdrew the funds. I would like the matter investigated and have the {$600.00} debt removed from my name with Bank of America.

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 2020-06-30 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a identity theft, and/or fraud problem. Some of my credit cards have been replaced, and score is tanking, and credit limits being reduced, and cards i did not apply for arriving, or decline letters. In an effort to see what is happening in credit file, upon advice from my banker, I can get no human on the phone at experian, and can not sign in because they say i already have an account. When I try to change the password as they request, they say they have emailed it to me, but its not coming to me. I can get no option with 9 different phone numbers to talk to a human, so I can not see what's in my report. 
There is no option to change my email address, and i can not reach anyone no matter which menu item i choose. So whatever persons email they have on file, is getting my info, and i can not reach anyone due to no option to talk with a person. its all automated. Ive been trying this for over 4 hours today alone. 
FYI this is an edit,,, at the end of this complaint you ask what name the credit report is in,,, Thats a stupid question, as my complaint is that i can't obtain the report, so how the XXXX would i know the name that have it under

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 2020-06-30 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-06-30 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
I did not give any kind of Consent to anyone to open these fraudulent Accounts I'm a victim of Identity Theft and now these Accounts are being sold to Creditor which is totally Wrong. This is not right!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
I did not give any kind of Consent to anyone to open these fraudulent Accounts I'm a victim of Identity Theft and now these Accounts are being sold to Creditor which is totally Wrong. This is not right!!!

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 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MO

Complaint narrative:
They are no longer connecting with the XXXX account so when my tenants pay rent I can not access the funds to be moved to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Wrong address and name is reporting on my credit 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 2020-06-30 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: MI

Complaint narrative:
I experienced over {$1400.00} worth of charges to my credit card in which I did not make the purchases. The purchases were charged to my XXXX XXXX account but I was not the one to complete the purchases nor did I in any way authorize them. I asked XXXX XXXX to issue a refund for these unauthorized charges and they told me to speak with the Game Developer the charges were paid to. The Game Developer told me only XXXX XXXX could refund the charges. XXXX XXXX insisted the Game Developer is the one who has to provide a refund and if they won't help to dispute the charges. The Game Developer denied a refund and told me to dispute the charges with Chase. I disputed the charges with Chase and was denied the disputing stating that the charges were authorized and that I was responsible for them. I've been going in circles with all three companies XXXX Chase, XXXX XXXX, and the Game Developer ) and spent hours of my own time trying to resolve this issue for well over a month now and no one will help to resolve the issue. I have submitted emails and conversations that were had with both XXXX XXXX and the Game Developer to my credit card company showing they said to dispute the charges but am still denied. You can't talk to anyone at Chase over the phone regarding the matter and can only email them which they don't reply to but send you a letter weeks later. They have additionally not provided any proof showing why I am responsible for the charges I didn't make, which i had requested from them as well. The loss of the money during the pandemic has made this even harder to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I bought a vehicle online. I wired the full price for the vehicle to a recipient at Chase Bank. The vehicle was never delivered. After some investigation I discovered the automobile website was still advertising the vehicle I thought I had purchased. After the failed delivery date the seller refused to respond to me. The trucking company also refused responding to me. I later discovered that both the seller - and the trucking company were fictitious. However, since Chase Bank conducted the wire transfer they know the recipient of my funds. Both my credit union and I have contacted Chase Bank about the fraud, but Chase Bank has not replied to either of us. I also learned that the car I thought I was buying was actually owned by yet another car dealership at the time and was subsequently sold. However the fraudulent website is still perpetuating the fraudulent sale of 'my ' car. So Chase Bank is an active partner in this consumer fraud. Only Chase Bank knows who the perpetrator is, but they refuse to provide my credit union with that information so the LLC can be prosecuted. I have attached all the facts, forms, dates, and other information chronologically documented in a singular file for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
They are reporting wrong address and name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
They are reporting wrong address and name

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Wrong address and name is reporting on my credit report

Company response to consumer: Closed with explanation