vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MI

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is not mines and should be deleted. This is a fraud account. 

1. XXXX XXXX XXXX Last reported XX/XX/XXXX {$1500.00} Reported balance These Inquiries I didnt authorized. 

Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX Bank  XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX  Inquiry from XX/XX/XXXXFinance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX 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 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
I am writing to issue a formal complaint against Advance America regarding account # XXXX. I entered into a deferred presentment loan agreement with Advance America on XX/XX/2020 with a payment due date of XX/XX/2020. As evidenced in the attached agreement, I received a disclosure regarding my potential eligibility for the extended repayment plan allowed under Michigan law. I also received the attached disclosure advising of the same. On XX/XX/XXXX, I contacted Advance America to request the extended repayment plan for my loan. I was told by the customer service rep that Michigan law changed on XX/XX/XXXX such that borrowers were only allowed one extended repayment plan in 12 month period. I was further told the only option that was available to me was a payment extension for two weeks until XX/XX/XXXX. Although I could not find anything that confirmed the change to state law, I agreed to the payment extension as I was advised that was the only option available to me. 

I performed additional research which seems to indicate the information I was given was factually incorrect. I can not find anything that indicates a change to state law has occurred. I reached out again today ( XX/XX/XXXX ) to inquire about an extended repayment plan. This time I was told that it wasn't a change to state law but an internal policy of Advance America that only allows for one extended repayment plan in a 12 month period. This seems to directly contradict state law ( 482.2155 Sec. 35 ( 2 ) ). I pressed the supervisor I was chatting with on this and was told now that I was not eligible for  the extended repayment plan because I agreed to the payment due date extension. I advised the only reason I agreed to the extension was because I was given incorrect information about my eligibility for the extended repayment plan. The supervisor was unwilling to accept that Advance America had failed to follow State of Michigan law and the terms of the loan agreement. I asked the supervisor to provide me with a letter saying I was denied the extended repayment plan. She responded that I could save our chat conversation but unfortunately there was no way to save the transcript and the session was disconnected before I could take a picture.

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

Complaint narrative:
In XXXX, I filed bankruptcy due to job lay off and insufficient funds to cover household expenses as well as personal expenses. I luckily got my job back a year later working for the State of Connecticut, therefore qualifying for student loan forgiveness after 10 years. I have been in loan repayment for two years now and was told all of my loans were accepted. I have been faithfully paying {$220.00} per month ( they calculated that based on my income ) and out of nowhere just yesterday my father ( who was the co-signed on a private student loan in XXXX ) got a letter from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding that he pay {$5000.00} for a private student loan. 1. I never received any phone calls, letters, or emails prior to this informing me of any leftover, unpaid student loans from Navient and all of a sudden a law firm is trying to get money from my father who is the CO SIGNED not the loan owner. How is this legal? I was never confronted by Navient, never even given the chance to arrange any type of repayment with them. I don't understand how this could be legal. Aside from the fact that I filed bankruptcy 2 years ago. I understand federal student loans are not discharged but what about private loans?

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( XXXX  ) Address : XXXX XXXX XXXX  ( TU & XXXX  ) Address : XXXX XXXX XXXX  ( TU ) 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  - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
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 XXXXXXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: 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: GA

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

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXXXXXX Equifax Mortgage Service Equifax Mtg XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Service Equifax Mtg

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: FL

Complaint narrative:
I am very disappointed with PNC Bank not allowing any square up transactions to be deposited nor any other transactions at all. I was never informed why any restrictions has been placed on my account without my knowledge.please help find out what is the problems with my checking account.

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 — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since XXXX XX/XX/XXXX, Capital One 's investigation dept has opened and closed the same case 3 or 4 times to date. 
Recap : I had filed a dispute with a vender when I had not recieved merchenadise to long after ordering. 
The same day I made the claim, the merchandise came in mail. 
I contacted Capital One to ask them not to follow through with the claim. 
.... ( ... why would they complete a task? ) They didn't. 
I was contacted by the vendor that she wasn't paid. 
I paid the vendor personally throught XXXX Capital One reverses the credit for original dispute since they JUST couldn't verify anything. 
I provide the proof of payment. ( Screenshot nof XXXX transaction, emails between myself and XXXX XXXX ( vendor ) and my Capital One account is linked to XXXX if they ever wanted to really investigate ) On XX/XX/XXXX, they credited my account then on XXXX, they took funds back ... .again ... and sent me an email requesting the proof of above, for 3 or 4th time. 
I am done with this process and suspect I am being harassed at this point. 
I want the money back in my account and for this process to end. They are playing with my time and money. Why are they asking for same information over and over? I was told by one rep that the money was to come back in my account in One day and 9 hours last Saturday and by Monday, I was then told it was coming back into my account 1 day and 12 hours?? Then when I asked to speak to a supervisor, she then told me the money was already credited to my account. Last I saw was the money was reversed that am. 
Why any of this is happeneing is beyond 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is more than 7 years old and should have been deleted last year. 

1. XXXX XXXX XXXX Last reported XX/XX/XXXX {$26000.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance These inquiries I did not authorized. 

Inquiry details XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX  Inquiry from XXXX XXXX, XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
On or about XX/XX/2020 -- Buyer 's Attorney and Settlement Agent for the Transaction forwarded an incorrect Closing Disclosure to us as the Sellers, presumably from the Buyers ' Lender NJ Lenders Corp., in preparation for a closing to take place on XX/XX/2020. After multiple unsuccessful attempts to get the Closing Disclosure corrected, we received a revised Closing Disclosure on XX/XX/2020 via email the day before the Closing that was revised but still incorrect. 

The XX/XX/2020 Closing Disclosure did not have the proscribed format indicating the Buyers ' side of the transaction and there were no lender details regarding the type of mortgage or terms of the Buyers ' mortgage. Only the Sellers ' side of the transaction under funds Due from Seller at Closing was given to us for signature and this included many errors such as listing the Additional Deposit of {$43000.00} provided to us and held in escrow under the terms of the purchase contract as an " Excess Deposit '' on the Closing Disclosure and calculating those funds as going back to the Buyer in the line items for calculation of the Cash To Seller and the Total Due From Seller at Closing. 

The XX/XX/2020 Closing Disclosure also did not have the proscribed format indicating the Buyers ' side of the transaction and there were no lender details regarding the type of mortgage or terms of the Buyers ' mortgage. Only the Sellers ' side of the transaction was given to us for signature and this included many errors that also involved the {$43000.00} and gave the same result of the XX/XX/2020 document : erasing the entire amount of net proceeds due to the Sellers in the Calculations section. The XX/XX/2020 error was that the Buyer 's Additional Deposit of {$43000.00} to be credited to them at the Closing was listed as a Deposit Paid By Buyer under the Sellers ' Side of the Transaction. This was then calculated under the Calculations line items as Funds Due From the Seller and not The Buyer. The Funds for the Buyers ' Purchase are always Due From the Buyer, although the Seller is given the Deposit with the Purchase Contract to hold in escrow those funds are credited by the Lender to the Buyer for their mortgage and should NOT be listed in anyway as funds due from us, the Sellers. In addition, the Calculations shown at the end required the Seller to provide XXXX at Closing and the Buyer to provide {$430000.00} at the Closing. The Sellers should not be responsible for paying for their own house and there are errors. Please help us get these documents corrected.

Company response to consumer: Closed with non-monetary relief
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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX  XXXX {$110000.00}

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: MI

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX  XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
For the past two or three years I've been on the income based repayment program which makes my payment {$0.00} dollars a month. I am still being billed for {$310.00} a month for unknown fees. I've tried calling but I never get through to anyone. I've been receiving this bill for two years now Starting XX/XX/19 to current. I don't understand what its for and why I keep receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/2020, I received a Notice of Assignment, Sale or Transfer of Servicing and a welcome to XXXX XXXX XXXX XXXX. The letter also stated XXXX 's attempt was to meet my loan with efficient, prompt, and courteous services. However as I stated to correspond with XXXX XXXX XXXX I discovered their services was of deceptive, false, and misleading information. In speaking with an employee of XXXX. I was advised their company was a mortgage company. I informed the employee on the phone that the paper work I recently received indicated they were not a mortgage company but a debt collection. The employee assured me their company was a mortgage company. Also the letter dated XXXX XXXX never identified XXXX of being a debt collector organization.. I find the whole letter dated XX/XX/2020 as misleading, confused wording, and false representation and vague information. After several e-mail communication about the servicer of my loan, I was mislead again. On or about XX/XX/2020 after I requested information about my current mortgage holder via e-mail. On XX/XX/2020, I received an incomplete, vague, misleading letter from XXXX with information about XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On or about XX/XX/2020 I requested specific and detailed information about XXXX XXXX XXXX. The information was denied because I never received the specific detailed information. On XX/XX/2020 I received a notice of assignment, sale or transfer of service right to XXXX XXXX with XXXX XXXX another new debt collector. My house is not in preforclosuer and each time a new debt collector has my loan the payment amount is different and another debt collector goes on my credit report. seeking

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX  XXXX {$110000.00}

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