vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 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: TN

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Experian Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 17 credit inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report.

The inquires and their dates in question are below. 

XXXX XXXX XXXX XX/XX/2019 EXPERIAN XXXX XXXX  XX/XX/2019 XXXX CARD XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX  XXXX  XX/XX/2019 XXXX XX/XX/2019 XXXX CARD XX/XX/2019 XXXX  XXXX XXXX  XXXX  XX/XX/2019 EXPERIAN XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 FXXXX XXXX/XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX   XX/XX/2019 Also my ID, SSN Card, and Proof Of Address is attached to this letter. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, 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 2019-11-19 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/2019 an inquiry from TD Retail Card Services appeared on my credit report. This inquiry was a result of fraud. It was disputed and removed from my credit report on XX/XX/2019. Later that week, TD Retail Card Services was reporting a TD XXXX XXXX credit account on my credit report. This account was then disputed and now is being reported as valid by XXXX. XXXX and XXXX have resolved the account and removed it. XXXX  will not properly assist. If the inquiry was disputed as fraud and removed, what makes you think the account is valid? Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 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: MO

Complaint narrative:
XXXX  and Experian refuse to correct information that has been proven fraud already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: TN

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX TransUnion Consumer Solutions Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 18 credit inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. The inquires, and their dates are attached to this letter as-well as proof of my address, along with my social security card, and my drivers license. 

XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXXXXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX  Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX/XXXX  Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX/XXXX-XXXX  Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 Thank you for your assistance. 

Sincerely, 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 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
I use to have a BK on my file long time ago but i can see a lot going on on my credit report want to clean and remove all non related information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: TN

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Equifax Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal

of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 21 credit inquiry/inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. The inquires, and proof of my identification, and address is below all of this. 

XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX XXXX Inquiry from XX/XX/2019 XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX, XXXX Inquiry from XX/XX/2019 XXXX   Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX  Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet Student loan servicing is deceiving me.

I have been fighting this loan since XX/XX/2016. This was not my loan, everytime i told a lender that they would sell my loan to a new lender and then i would have to start the entire process over. When nelnet called me in XXXX, i tried to explain they didn't want to hear it. I asked for a forebearance. It was granted. When the forebearance was up in XXXX, i still wasn't able to afford the payments, due to living costs, IRS payments, etc ... I am financially drowning and i have to pay a debt that someone else benefited from. In XXXX before the first payment was due, i requested a lowered amount, they stated that i would be charged $ XXXX/month for 12 months. I again stated that this wasn't my loan and i was told that i had to comply with it or get my wages garnished. They made me accept the terms on a recorded line when i responded to their disclaimer with : " it's not my loan but okay '' they said all i could say was yes or no. If i said no, they would take legal action. I have tried to talk to them but i get disrespected on the phone and by email they want my SS #, this is the way ID fraud starts ( it's happened too many times to me ). I am beat down by this and want a resolution. I can't afford this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Wednesday XX/XX/2019 I deposited a XXXX XXXX   XXXX check from XXXX XXXX XXXX XXXX payable to me in the amount of {$4000.00} via Chase Mobile App XXXX XXXX. The mobile app prompt stated my current mobile deposit limited was {$5000.00} and also stated that deposits by XXXX XXXX  ET will typically be available for withdrawal the next business day, " if we need to review your deposit, it may take a little longer for your money to be available ''. So i proceeded with the deposit. 
On Friday XX/XX/2019 I noticed in wasn't showing as available and I called customer service at XXXX XXXX. I was asked a series of questions about the check, which I answered and was told the check might be " bad '' and if good to expect availability to be on XX/XX/2019. I asked if Chase could release a small amount and was told no. I than called back approximately a half an hour later to ask what type of hold it was and told a " system '' hold and again told I couldn't have even {$200.00}. I had {$29.00} in my bank account during these conversations with Chase.

I have direct deposits going in weekly and monthly, I have had the account for over two years, and have one or two instances of insufficient funds under the amount of {$20.00} ( not including fees ). I understand why and what prompted the fraud alert ( large amount ), however I thought there were laws that made a small amount available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Account is being reported with incorrect status and history. I have sent numerous letters asking them to update this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Around XXXX XXXX 2017, i was in the process of moving out of an rented property from XXXX XXXX in XXXX XXXX GA, and shortly after they refused to give us back the security deposit. I began receiving calls and mail learning about a {$1900.00} debt for renovations done to the house ( Mind you we agreed to move in early before they had time to fix up the place ) so that includes the walls that were in need a fresh coat of paint, old and un-maintained hardwood floors, broken dishwasher & oven among other things that were presently wrong with the property at time of lease signing. After some time i informed them i would not pay for their expenses, which i believe is more than crooked for someone who was freshly XXXX at the time to be taking advantage of in such a manner. Furthermore this has caused me to enter early adulthood with a terrible credit score, simply because i refuse to pay for that which i am not responsible for. In retrospect i suggest anyone who is young and naive renting a property, to make sure you get timestamped photos of the property on day one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon studying my Experian credit report, I noticed some unusual accounts being reported on a monthly basis. One that stood out, was a Bankruptcy being reported. I submit a written request to United States Bankruptcy Court listed on my credit report, on there method of verification with major credit bureaus and also a method of verification letter to Experian as well. I received a response by mail in writing from United States Bankruptcy Court stating they do not verify any personal information with any credit bureaus whatsoever and contact the individual credit bureaus for removing the bankruptcy filling. Experian responded with a letter, there method of verification was XXXX on XX/XX/19. My XXXX report has a Security Freeze Confirmation letter dated for XX/XX/19, which states they dont release reports or scores while the freeze is active. I have also included pictures all supporting documents to go along with my complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: CA

Complaint narrative:
Account is being reported with incorrect status and history. I have sent numerous letters asking them to update this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
I scheduled my payment of {$560.00} to have it taken out on XX/XX/XXXX when I got paid, it was apparently never scheduled for the correct day, it got scheduled for XX/XX/19 which was the next payment due, no idea why this would have happened when I scheduled it for that day online XX/XX/19. It never came out of my account. I waited for about 3-4 days when checking back. I checked back online to see what the problem was and could not get logged in for whatever reason to check it. So I called Ford Credit and they told me that they apologized but there was a system upgrade and I would have to try and re-log into my account using my email instead of my user name. Had this been told to me I in writing via email or by mail I would have had some knowledge of what was going on and been able to correct this right away instead of getting a late fee. No one from Ford has even called me to let me know anything and now I am being subjected to a late charge for something I had no control over. I am a good paying customer and have been a good customer for quite a while now. I do not think that its fair that I am penalized for something I was not able to control. I am very upset about this and filing a complaint to get this corrected. I asked for the late fee to be waived and was told that I needed to go online using my email address to log in, make the payment and then the late fee can be discussed. I feel its not my fault in this circumstance since I was not able to log in and when I called no one would take my payment over the phone, that is just not fair to the consumer and I wish to have someone of authority take a look at this and contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient is incorrectly reporting deferment status for my student loan. I am in an 8-year XXXX   program at an accredited university with automatic deferment ; however, Navient is reporting that my deferment is only until XX/XX/2019. Not sure why Navient chose not to correctly report my deferment period. I have applied for credit, and the creditor is reporting that my student loan with Navient is due at the end of XX/XX/2019 and not in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment in XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
collections agency convergent outsourcing is the collection agency who bought the account from the original creditor, reliant energy. it was opened as a new account in XX/XX/2019, yet i did not receive written notice until XXXX, the letter was dated for XX/XX/2019. I called and spoke with the collections agency, who stated they had sent out the only letter in XX/XX/XXXX, i then asked then why have you already put the collections account on my credit report and i have not been given my 30 days to decide what i would like to do. I was then sent another letter, stating they would like an answer as to why i was disputing the account.. I sent an email stating just as before. Received a letter today saying i am still responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: MS

Complaint narrative:
I was pressure to get enrolled into this college. This college promise me and my family a great future stated that I would be placed on a job replacement program as well as my credit would be transferable. after being lied to they then stated they I should enroll in my XXXX XXXX and that they would help me find work. Here is it four years later after obtaining my degree I still cant find a job in my field and they have sink me in debt with student loans and unnecessary charges to may account. Thiis school is very dishonest now I have four kids nowhere to get an real education so I can obtain an great career due to the fact that they have charged me over 49,000 .00 dollars in debt with student loans. 


I have filed a complaint to have the loans removed or discharged but its going on two years now and nothing.Dear Mr./Ms. XXXX : We have received your application for borrower defense. Your application number is XXXX. 

If you have chosen on your application to have your loans placed on forbearance or stop collection activity while your application is reviewed, you will be contacted by your loan servicer with further information. 

You will be notified once a decision has been made on your application. 

Visit StudentAid.gov/borrower-defense to learn more. If you have questions, you may respond to this email or call our borrower defense hotline : ( XXXX ) XXXX. Representatives are available Monday through Friday from XXXX XXXX. to XXXX XXXX. Eastern time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: Carvana Group, LLC
State: FL

Complaint narrative:
I have tried to apply for an account with carvana ; when the identity verification came up, none of the questions apply to me and I have my XXXX  credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my XXXX  credit report is incorrect and is preventing me from pulling a new credit report with XXXX, Carvana, nor was I able to use XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
JUDICIAL NOTICE XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Zip Code Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX Dear WELLS FARGO XXXX Hereby Judicial Notice is given : I XXXX XXXX XXXX XXXX XXXX am writing you today as an aggrieved man. WELLS FARGO does not have my permission and or consent to provide or share any of my private information with any public and or private entities. WELLS FARGO does not have my permission and or consent to share any identifying information to any public and or private entities connected to XXXX XXXX XXXX. WELLS FARGO does not have my permission and or consent to allow any entity, public and or private to place a lien on any checking or savings account XXXX XXXX XXXX has with WELLS FARGO.

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