vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: MO

Complaint narrative:
Got a letter to cure debt. They did not include any information required by FDCPA. Numerous calls a day 5+ most days. Claims they sent letters which I never received and they cant prove they sent them. When I renewed my loan they didnt give me chance to renew collateral new loan should include new collateral and I believe they forged my initials on the collateral sheet on XX/XX/19. Willing to work with them if they give me til end of XXXX to get caught up or pay in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT HAS BECOME SO OVERWHELMING TO ME BECAUSE OF THE FACT THAT I KNOW FOR SURE NONE OF THE ACCOUNTS RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX  is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.

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 2020-01-09 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: VA

Complaint narrative:
Filed a dispute with capital one credit card and was not credited back for a item that was purchased and then returned to the merchant. Transaction XXXX to XXXX was returned in there 60 money back satisfaction guaranteed. I was never credited back by the company who mailed the counterfeit product, so I filed a dispute with Capital One credit card. Capital one took the side of the merchant and will not credit this amount back account, even after I have done everything to receive the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

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 2020-01-09 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-01-09 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: MI

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX  XXXX XX/XX/XXXX {$370.00} XXXX  XX/XX/XXXX {$300.00} XXXX XXXX XXXX  XX/XX/XXXX {$900.00} INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/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 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I deposited a paycheck through the mobile app on my phone into my Bank of America checking account. Until this time, I have ALWAYS gotten use of these funds the next business day. I have deposited checks from this company twice a month for 10 years. Never once has B of A held my funds longer than one day. This time they put a Hold on my funds until XX/XX/2020. 

I checked with the employer writing the check to see if they switched bank account or banks or have had other problems on their end. They assured me they had not. 

I called B of A on the XXXX and was told that they have the right to hold the check up to 7 business days. While I understand that, they have NEVER done this before. I asked what the reason was and all the rep could say was that there was nothing I could do about it. I asked to speak to a manager who said I should talk to someone on their " Preferred line '' and she transferred me. 

The rep on the " Preferred line '' said there was nothing she could do because the bank had the right to hold the funds. I asked to talk to her manager who told me to call back the next day after the check had posted. 

I called back the next day, the XXXX, and the rep said there was nothing they could do about it. I asked to speak to THAT manager who said he didn't know why someone would tell me to call back because there was nothing they could do once a hold was placed on it. I asked to speak with HIS Manager but that manager was not in and he said he would have him call me back in 24-48 hours. It has now been 48 hours and I have not heard from them. 

I have since found out that my check cleared the drawn on bank on the XXXX. I still do not have access to my funds. It is a large amount to me and I will be having late fees and possibly NSF 's for my billpay payments that have been set up. 

I thought that Regulation CC requires a bank to provide me with the reason for the hold within a day of making the deposit. I know it can be held up to 10 days if there is a reason. But this check has already cleared the drawn on bank.

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 2020-01-09 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

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 2020-01-09 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I can not get my EQUIFAX CREDIT REPORT pulled by myself, no consumers, or any paid membership Services. I also went to Equifax.com to pull my report with them and it said that they were not able to release it and the Member Service associate said that there is an issue with my account eternally. 

This what Equifax sent me. " We're sorry. We were unable to complete your entire order. Please carefully review the order status below to see which products were not able to be delivered. You will not be charged for the undelivered products. '' I was try to apply for goods and service through some companies and they tried to run my Credit Report 6 times within 3 days and it keep coming back Internal Error but they are running other individuals Credit Report constantly with no problem. The company contacted their IT Support Help Desk and they asked for me to contact Equifax to check for Internal Issues and Equifax keep blaming everyone else instead of fixing or looking into the problem themselves. This is very frustrating and I am In the process of buying a house and need to access my account when I need it. I NEED THIS FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Paid my XXXX loan off after 4 years of payments. Took every last penny in my account. Thought I was done with these XXXX. Then the following month Great Lakes withdrew my monthly autopay amount of {$590.00} out of my account. I called and the extremely condescending representative informed me that, despite paying off the loan I still needed to turn off autopay. Ridiculous! What other loan servicer requires that? To make it more absurd, you cant turn off autopay online once you are done making payments. Great Lakes informed me that they couldnt refund my payment for 45 DAYS! It took every spare penny to finally reach my goal of being debt free, how can I pay my rent this month? I bet that the majority of people use autopay and many of them dont realize they need to cancel after paying off the loan. If Great Lakes is holding on to an extra payment for all those people for 45 days they are earning some serious interest. Its criminal and sad. I guess they have the federal government feeding them customers so what do they care if young people trying to repay student loans get XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Somebody steeling my identity, even I pass the same thing whit te IRS is hold my tax return because a company try to take the money and now whit this collection say the I own {$800.00} in credit card and how I own that money if my credit score is lower a credit card approve me just {$300.00}, how is {$800.00} is not me, that say happen in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX REPORTING AGENCY : EXPERIAN XXXX. XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This account belongs to my ex husband XXXX XXXX I have a court order stating that he is responsible for any and all medical bills for Our daughter, being that I do not have an income.. The dates of the services are in question and have not been provided to me in detail. I also believe that if these bills continue to be in my name they would be covered under of my bankruptcy that discharged in XXXX XXXX. Collection agency can provide me with no documentation that the children were even seen at the doctor at the dates in question. Also at the time my children were covered under XXXX as a secondary coverage. I have made several attempts to provide the medical information to the collection agency to no avail. 

Amount {$360.00} {$180.00} Date opened XX/XX/XXXX & XX/XX/XXXX Rash Curtis & Assoicates Have been threatened with legal action several times by this company and been called daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
On XX/XX/2019 Me and my wife opened a mortgage account together. Dovenmuehle the loan servicer was originally reporting the loan twice on my personal credit report with XXXX. As DMI and as Dovenmuehle, this was disputed due to the credit report showing two loans for the same mortgage, effecting my debt to income ratio. Which violated my rights as a consumer and the FCRA. This resulted in both loans being removed from my credit report. Now information that should be reporting is not reporting. DMI should be reporting to my XXXX credit report with the accurate loan information. Accurate information is now missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
On XX/XX/2020 my neighbor XXXX XXXX was contacted by a debt collector of mine. Pioneer Credit Recovery contacted him and asked if I, XXXX XXXX lived next door and a few other random questions. She left a number to call back which is XXXX and a reference number XXXX. The representatives name was XXXX XXXX. 

Regardless if I owe them money I do not think its lawful for them to contact a neighbor, relative or anyone other than MYSELF!! 

The original lender is from XXXX  Corporation and this Pioneer Credit Recovery is a subsidiary of theirs. 

The total amount owed on this loan isnt anything substantial so why in the world would they make it my neighbors business! The amount left to pay is {$320.00}. 

Please let me know if theres any other info you might need! 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT HAS BECOME SO OVERWHELMING TO ME BECAUSE OF THE FACT THAT I KNOW FOR SURE NONE OF THE ACCOUNTS RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-09 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 THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT HAS BECOME SO OVERWHELMING TO ME BECAUSE OF THE FACT THAT I KNOW FOR SURE NONE OF THE ACCOUNTS RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: NJ

Complaint narrative:
I have tried on several attempts to have a falsely reported bankruptcy removed from my 3 credit bureaus.

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 2020-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XX/XX/2020 this company has not sent any letters to my address regarding amount if any owed. Now have a different company calling my number and other members of my families staying I owed a debt. I called and asked them to send me a letter with what was owed earlier today. They continued to call not only number but also the other numbers I ask them to not called. I had to call a second time when the recording stated they would be sending someone to my home or job to serve me, now upset I called again to ask them to send a letter again and dont call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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:
Back in XX/XX/XXXX, I got an alert on my credit report that there has been a hard inquiry placed from capital one. I called right away to remove it and they said they placed a fraud alert on my account and it should alert XXXX and XXXX so they can remove it. I checked back around XX/XX/XXXX and XX/XX/XXXX to see the status and they said the same thing, weve placed and fraud alert, it should take 30-90 days. Well, it has been over 90 days and they said wait. My credit report STILL has capital one on both XXXX and XXXX. Both credit bureaus said In order to remove it, I need to obtain a hard copy ( letter ) from capital one stating that it was not me, and then clothed can remove it once I send that letter off. Capital one said they cant send the letter. Now Im stuck with an inquiry I NEVER did and my credit score dropped all because of identity theft!! This also goes for XXXX XXXX. Someone opened an account on XX/XX/XXXX and I did the same procedure back and forth with the credit bureaus and credit card companies. Both XXXX XXXX and capital one said they placed a fraud alert but cant help me with any evidence that I need to show XXXX and XXXX that its not me. I did numerous disputes with XXXX  and XXXX but they denied it unless I obtain a letter from the credit card companies stating otherwise. I NEED HELP TO REMOVE THESE INQUIRIES ASAP!!!! Its been since XX/XX/XXXX and its XX/XX/XXXX. No change at all!!!

Company response to consumer: Closed with explanation