vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute with trans union on XX/XX/2017 and it is still pending. It is with XXXX XXXXXXXX XXXX. I had sent XXXX XXXX an affidavit of fraud as well back then and they have not gotten back to me as well. I can not file any other disputes at this time because this is taking so long.

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I recieved a letter in earlyXX/XX/XXXX from Transworld Systems Inc ( TSI ) regarding a debt collection on behalf of XXXX. No information was given in the initial communication regarding the incurrence of the debt, just that a balance was owed.

I responded in writing on XX/XX/XXXX requesting additional information. When I received no further communication three weeks later I called TSI 's toll free number. I was told that my written response was not received, but was given the date of the original XXXX  service in question. I asked that those details be sent to me.

I received the next communication from TSI approximately one week later which included an invoice from XXXX. This was the first time I had seen anything from XXXX  stating a balance was owed.

I did recognize the shipment date from late XX/XX/XXXX ( less than three months prior to receiving first notice of debt collection from TSI ) and information as being valid, and although I had not received any communication from XXXX  before, during, or after delivery regarding a balance owed, since the amount was less than {$40.00} I then made arrangements to have the balance paid.

Upon logging into the TSI website ( XXXX XXXX XXXX ), I found a pdf of another communication from TSI dated XX/XX/XXXXwhich states : " We have not received a response regarding your past due account ( s ) with XXXX XXXX XXXX XXXX . Previous attempts by our office requesting that your account ( s ) be resolved have been unsuccessful. Please contact our office to make arrangements to resolve your account ( s ). Thank you. '' This is concerning given that I had provided written response in late XX/XX/XXXX and made a follow up phone call in early XX/XX/XXXX. Given the questionable business practices to date of both XXXX and TSI I did not feel it would be in my best interest to continue to dispute the claim, and given the small amount, decided to process a payment in full on XX/XX/XXXX. However, these small amounts can add up, and I believe these companies are defrauding consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an inquire still showing on my report that should have been deleted already by law. Name of company is XXXX XXXX XXXX   the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. If you need to get in hold of me feel free to contact me at XXXX XXXX XXXX. Thank you in advance for your prompt help. 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 2018-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an inquire still showing on my report that should have been deleted already by law. Name of company is XXXX XXXX XXXX   the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. If you need to get in hold of me feel free to contact me at XXXX XXXX XXXX. Thank you in advance for your prompt help. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I purchased a vehicle from XXXX  XXXX in XX/XX/XXXX and fell behind on payments. My account was then sold to XXXX XXXX XXXX in XXXX, tx. I paid off my account with them in XX/XX/XXXX and spoke to the manager there who assured me my title would be mailed in 6-8 weeks. I waited 10 weeks and did not recieve my title so I contacted them again. They told me my account was transferred to American Credit Acceptance and that company now had my title. I contacted American Credit Acceptance and they told me I owe XXXX on my vehicle still and will not release my title until it has been paid in full. They also threatened a reposession of my paid off vehicle. They said I needed to dispute the amount owed with XXXX XXXX. I have all bank account statements and payment information for the payments of my vehicle. I feel they are trying to swindle me out of more money that I do not owe. I did contact XXXX  XXXX acceptance after this conversation and the manager assured me that my account had been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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: CA

Complaint narrative:
I sent letters to XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Asking for documents bearing my signature.

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
this account belongs to my ex husband XXXX XXXX. this item does not belong to me and this company refuses to cooperate, even though I have provided documentation via XXXX county court district to prove this account does not belong to me over the course of several disputes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. 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 non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have complained about this once before, when XXXX turned my account over to a collection company. They took the debt down and issued a letter deleted it from the credit bureaus. 

Once again I have a collection in the amount of XXXX From now a collection company called XXXX XXXX XXXX. 

I paid my XXXX bill and had the last payment in XX/XX/XXXX. It was a XXXX  balance. I ended the account because I was in a car accident. I sent the equipment back as well as got confirmation about this. 

The problem is that they are billing me when I had a long history of paying the bill. 
My bill was only {$70.00} a month. How they are figuring over {$500.00} is fraudulent. 

They have told me its because I got a charge for " early termination '', however, the final bill stated over the phone was around {$200.00}, and they waived the termination fee because I had a good reason not to continue the service. 

I have called XXXX over 50 times on this matter. I have filed complaints plus was promised by many management teams that this would be addressed. I sent faxes and made memos. They never do as promised. The representatives never know whats going on. I am not paying for a bill that is not warranted. For convergent to file this on my personal credit is against the law, against the Fair Credit Reporting Act. 

I have spoken to both companies and tried to resolve this but to no avail. I need this to come off my credit as it is affecting my livelihood and ability to obtain proper financing for my business.What they are doing is a crime. I was quoted by XXXX on chat as well as phone that my final bill was {$200.00}. 

The last payments I made was in XX/XX/XXXX, and It was a XXXX balance when I closed the account. My bill was only {$70.00} per month. For them to jump this up to $ XXXX {$700.00}? Is a crime. 

Please advise. 
Thank you 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 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. 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 2018-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: NJ

Complaint narrative:
Good Afternoon, I am having trouble getting a feasible repayment plan for 4 of my private student loans through Navient. I had filed for bankruptcy in XX/XX/XXXX, however my loans were not discharged although I was, and still am, experiencing financial hardship. These particular loans are in default and were sent to XXXX  XXXX by Navient for collection. I had tried to set up a repayment plan with Navient back in XX/XX/XXXXand the only options given were very unreasonable! Who can afford to pay $ XXXX $ XXXX/month. I offered to pay $ XXXX/month until I was financially stable enough to pay more. That was denied and the Navient customer service representative YELLED at me and very rudely told me that that would be my only option unless I put at least {$1000.00} down first to then be able to apply for a repayment plan. I told him I could not afford to do that, but could definitely do the $ XXXX/month. After he told me once more that they would not accept that amount. I told him I really didn't have anything more to give. He told me my loans would then be in default. Since then, I have been paying $ XXXX/month to XXXX XXXX ( not a lot, I know, but I also pay Navient about $ XXXX/month for two other loans ). I called Navient, who then transferred me to XXXX XXXX yesterday, and the only options given for repayment were to settle the loan for roughly {$21000.00}, which I can not do, or put down 10 % of the loan ( {$8300.00} ) to qualify for their repayment option of $ XXXX/month. I am just stuck and am really trying to work on my credit and get some of these loans paid down. I currently owe Navient {$180000.00}, which is mostly just the interest. I just need a reasonable repayment plan and someone to just work with me! I can barely afford to support myself and daughter and all of these loans spiraled out of control over the years. I would love to be able to go back to school to finish my degree, but am unable to affrod to pay out of pocket and clearly can not get another loan to do so. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/18 the company was initially contacted at XXXX XXXX  and a settlement was reached in the amount of {$100.00}. During this conversation the representative agreed to a deletion letter for payoff and provided me the email to whom I could contact to receive immediately or same day. I emailed as directed and received a voicemail from the rep saying he needed to clarify the request and the information was not correct. I have that message recorded. When I called the company back they explained this was not their policy and would only allow in extreme scenarios. I explained I received false information and believed a letter would be provided to update with credit bureaus. When I asked to listen to the calls they selectively said the onset call was not recorded or the audio was lost. However they did let me listen to the call where the rep said he could not provide that letter and there was some misunderstanding. As a consumer we have rights and being told and conveniently selective with evidence is deceiving and unprofessional. This same organization has thousands of similar scenarios with the same people- XXXX XXXX XXXX and XXXX XXXX This is fraud and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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:
On XX/XX/XXXX I wrote a letter to Experian to pursue my rights to request information on the method Experian used to obtain their verification, as well as the details of said verification.According to the law, it is my right to receive proof of the verification and if that proof is missing, to have the inaccurate entry deleted. Since you failed to furnish the information you used to validate the information used with XXXX XXXX XXXX XXXX on my credit report. This is my notice to sue under section 616 of the FCRA due to non compliance on your company part. The following items are unverifiable which is why you haven't submitted the information used to validate this information. 

Legal actions that can be taken : Defamation, financial injury US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. 
Defamation, willful injuryFCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX XXXX Case 115 F.3d 220 XX/XX/XXXX, Filed ( D.C. No. XXXX ) .Extent of damages incurred by the wronged party, as deemed by the courts.

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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
ACH tax refund deposited into erroneous account on XX/XX/17 in the amount of {$3000.00}

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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Around the time of XX/XX/XXXX-XX/XX/XXXX I had experience fraud or scam activity on my account which were mobile deposits of {$470.00} ( Honestly forgot the amount but I do know it was 4 something ). I called Wells Fargo to figure out where was the activity coming from and they said they would help figure out where it would be coming from. The accountants at the Wells Fargo brach asked if I shared my mobile banking info. My Answer was No I NEVER do that. I knew something was odd about it because no one ever sends me mobile deposits but my Uncle & when he does transfer me funds it says his name, implus he barely sent money to me around this time. When I saw the weird amounts pop up I automatically gave my bank a call. Ive had them for months & experiences horrible service from them, there would always be money talking out and much more. Just would like this situation resolved.

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 monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received a letter from XXXX XXXX, XXXX on XX/XX/18. This letter was for debt collection of {$750.00} from Paypal Inc. I do not owe Paypal any money. 

I called Paypal and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter. 

I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my Paypal account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was. 

This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I received a email from you saying that Experian has responded. Well the information they respond with is not only incorrect but it extremely confusing to figure out. I previously submitted a complaint XXXX. I still cant log onto their website and can not change pw or username. Its broken. Cant call they dont answer the phone after many attempts, more than original complaint. Seems to me they are doing a good job of dodging the issue by saying the current issue is dated in 2015.

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I received a bill and numerous phone calls from XXXX XXXX. I explained that I know nothing about the debt and to please send me proof of it. They claim it was from XX/XX/XXXX and the debt is for {$1000.00} from XXXX. The bill says I could settle for {$350.00}. I have now asked 4x for  proof of debt to no avail. Today I saw it was on my credit report and account opened XX/XX/XXXX. This is total nonsense. I have had XXXX for as long as I can remember. I need assistance. Thank you

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