vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-24 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
So I'm in the same boat has many students that attending XXXX XXXX XXXX that defrauded and victimized students that went to the school and now closed. Along with navinet is where my issue starts so I'm in a program with the the DofE thats is going to get my federal loans discharged because of the XXXX XXXX fraud but I have no degree now and why am I still obilgated to pay navient priviate loans back when I have nothing to show for I am.going to get a lawyer for this I feel I should not have to pay anything back when I have no degree now that did not helpe.get my job navient predtory calls people into paying the money back but why am going to pay a company back money when navient is being investigated by the SEC and sued. Navient just reported late payment on my credit report and I feel that that is wrong when I have no degree so I will be disputing the late.payment on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX takes care of the XXXX XXXX store cards. Their website does not work. From XX/XX/XXXX to XX/XX/XXXX, it showed I owed nothing yet I started to get calls all hour of the day and night at home, work, and on my cell phone saying I owed money. I just recently paid the entire card off and they reported me to the credit bureau for a delinquent account. 

Even when I try to contact someone, they hang up on me and will not let me speak with a supervisor when the representative can not answer my questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: KS

Complaint narrative:
These peopled called threatened me. I told them it wasn't me. I pay my bills. They said this call is recorded but they wont hear it. We will ruin your credit if you don't pay even if its not yours its on your report not mines. I didn't know what to do XXXX XXXX Account Number XXXX XXXX - Account Type Collection Collection - Terms 1 Month - - Date Opened XX/XX/2017 XX/XX/2017 - Account Status Closed Open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
opened online suntrust account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2018 I used Chase quickpay to send {$200.00} to a seller who promised theatre tickets in exchange for my payment. The seller was fraudulent and I contacted Chase immediately to reverse the charges. The payment was showing as pending in my cheating account and according to Chase quickpay FAQs pending charges could be reversed. Upon calling Chase they said the transaction was already completed by the receiver and could not be reversed. They said it was showing as pending since it can take a business day for these transactions to update. After complaining about how misleading their online information was they just apologized and said nothing could be done. I asked to speak to a higher authority. Chase transferred me to a sr. Specialist who reiterated the same policy. I told them about the fraudulent seller and how the Online information for Chase quickpay included rhetoric that said If you suspect fraudulent activity and would like to reverse a payment, please contact customer support. They said since I initiated the payment they could not help me. I find this to be extremely misleading by giving customers a false sense of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
In XX/XX/2017, I switched from XXXX to another phone provider. Upon making that switch it was my understanding that my XXXX acct was closed from that day forward. XXXX failed to close my acct, and sent the acct to a collection agency for some sort of unpaid early termination fee. Where it is now reported to the credit bureaus as a charge off. The only way I found about this is through a recent loan application this came up when my credit report was pulled. I was never contacted from XXXX about these unpaid fees. I have since paid the debt in full trying to resolve the matter. When contacting XXXX  they have been less helpful in this matter in removing the negative mark off my credit report which is now causing financial disruption in personal finances. I feel that this is an error on XXXX  's part and wish that this can resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on chexsystems report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX has been harassing me when asked to show proof they sent me a copy of a loan application. My current loan are with XXXX XXXX not these people who can't provide any form of payments missed nothing at all. They claim I owe XXXX dollar but that all I get nothing more I have to contacted them many times and told them show me proof or stopped harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: IN

Complaint narrative:
I have sent two dispute letters via USPS certified mail to Experian in the past few months. Each time, they reply back to me with an automated response stating the account I was disputing " has been verified. '' I have requested in each letter I sent, the name of the person from Experian who has verified these accounts along with the documents they are required to have on file proving the accuracy of these accounts, however I have never received any of this documentation. I have reached out to them two different times and nothing seems to be getting done as it should be.

There is an account starting with XXXX on my credit report from a company I have never heard of nor been associated with called " XXXX XXXX XXXX. '' I have never signed any kind of contract with this company, never received any kind of services from this company, and I have no obligation to any debt listed by this company that I have never even heard of. I have requested validation for this account in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX  XXXX starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX  XXXX starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX XXXX  starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX, I went into XXXX XXXX in XXXX MD area to look at living room furniture. Out of more than 6 sets, NOTHING was available for up to eight weeks ( for delivery ), so I chose to look somewhere else. Meanwhile, the sales person advised me to put the set that I liked on an invoice. I was allowed to put a down payment on it ( so they can hold it ), but informed them I would return the following day to make a final decision. I ended up going to one of their other stores, down the street and purchased furniture there, because it had same-day pickup. On the very next day, XX/XX/XXXX, I returned to XXXX and asked for a full refund of my deposit and the cancellation of the invoice ( that was supposed to be on hold ). They refunded me the down payment and told me the invoice had been cancelled. However, when I got my credit card statement, XXXX had charged me for the furniture that I actually purchased ( and took home, plus they had charged me an additional {$1600.00} ( the amount that was supposed to be refunded on XX/XX/XXXX ). Instead of fully canceling the invoice, they submitted it to the finance company, three days after telling me they had canceled the order. Now, they are telling me, it will be XX/XX/XXXX before they can clear up this error. My credit report is also indicating that I have an extra {$1600.00} of used credit. This makes NO sense that it is taking this long to clear up a matter that was totally preventable. I was advised two weeks ago that XXXX would credit me the money. The following week, when I went to check the status, it had not been done. So a second person assured me they would remove the {$1600.00} error from my account, but it will take up to 60 days. This is ridiculous! I want the error removed from my account as soon as humanly possible. XXXX has very poor customer service in the Dispute Resolution Department. It is impossible to speak to a supervisor. The young guy at the front desk in the XXXX location kept telling me I should not have bought the furniture from the other location, because they could have gotten me a cheaper price. This made no sense, because he had no idea what I had purchased, now what I had paid ( at the other store ). Furthermore, he was the very person who " supposedly '' issued my refund, which he couldn't even do correctly. Instead, three days later, XXXX submitted the canceled invoice to the finance company and it appeared on my bill. I would like to think they are not in the habit of fraudulently submitting bills to the finance company, but I can't even be sure this whole thing was not intentional. I just want it cleared up, sooner than XX/XX/XXXX, since it is 100 % XXXX 's ERROR!

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 2018-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX I opened an account with fifth thrid bank because a coworker who was my employee advised me that they were a great bank and had a sign on bonus. He said his friend worked there and could supposedly get my funds from my other account transferred because I no longer wanted to deal with them. Not long after I opened I received a call from a fifth 3rd rep I'm assuming was the employees friend asking me to vefiry some personal information in order to transfer my money from one account to another. Said there would be no issues just needed to verify my info and next thing I know I'm getting letters stating large amounts of money were deposited into my account and it was being held. Unfortunately I got no where with fraud dept.the man who screwed my life up by doing this crap is working for this company. It has to be an inside job. I claimed fraud that i did not authorize these funds to be transferred and had no idea where they came from, they still wouldn't help me, never called me back after several attempts to reach investigator. then I noticed my card and info in the folder i got from opening my account was gone and maybe a few days later the man who worked for me never showed back up. I've always had good standing with my banks never anything fraud other than an online purchase or a gemmic and the bank handled it properly. Fifth 3rd on the other hand have allowed someone to withhold me from getting a bank account cause apparently their employees are crooked. I'm so mad and upset each time I speak of this. It's not fair and if I closed an account down how was someone able to take money out of it and where is the camera showing it was not me who made any transactions other than walking in the bank to deposit my initial XXXX  bucks when I opened the account. This is such fraud I've reported to FTA also to fifth 3rd who won't even respond to me other than say it was me. I need help this isn't fair and for once in my life can someone help me. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: NY

Complaint narrative:
Hi I am Contact your company because the three major credit bureaus still have mycredit report all messed and and XXXX is deliberately reporting fraudulent accounts and it shows twice on my credit report, the fraudulent accounts are XXXX XXXX Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX I keep writing asking them to remove it as you know I included my police report because this account does not belong to me and is fraud and I want it removed from my account at once. XXXX also is saying my credit information doesn't match information I sent which is another lie it's just a way they can keep reporting fraudulent information on my credit report. This has been going on for way to long please stop this company and there fraudulent activity and retaliation against me do to me reporting there company to your agency. I am gon na include my identity that they sent a letter stating that my information doesn't match. Also all 3 credit bureaus are reporting falsely on balances because I gave paid my balances down on all credit cards but they continue to report old balances.

These cards have been paid in full and I want balances updated immediately XXXX XXXX, XXXX These accounts that I'm about to list need to be updated because accounts balances are wrong on my credit reports as well XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX please update balances on all these cards at once. 
Also there are credit inquiries on my transunion report XXXX XXXX from XX/XX/XXXX this is fraud and does not belong to me and I want this credit card inquiries removed at once. 
+ XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online This account is fraud and does not belong to me and I want it removed off my report at once I am also attaching a letter from the bank that states that they have already made the credit bureaus aware but they keep displaying it on my reports in order to lower my credit score. My credit score should be almost XXXX at all bureaus but everytime I report there fraudulent reporting they lower my score for no reason. I want to also add that I am XXXX always pay my bills on time and this whole situation with these credit companies fraudulent reporting is stopping me from even being able to do simple things like moving. Please look into my credit report and make them report correctly and force them to remove accounts that do not belong to me.

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 2018-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX, XXXX needs to be removed from my report. My insurance provider has already paid in full all debts owed. I intend to sue if this is not removed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX needs to be removed from my report. My insurance provider has already paid in full all debts owed. I intend to sue if this is not removed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Collection effort for XXXX XXXX XXXX XXXX for a bill that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: TX

Complaint narrative:
I have been a victim of Transunion inquiries issue that they had. I have over 55 inquiries that are not mine. I have provided all the information needed.

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 2018-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Credit of Southern Ilinois
State: IL

Complaint narrative:
My payment was no more than {$200.00} bi weekly ... Less than 24 hours after I got my one week check from XXXX 's ( I put in notice that I got a better wage offer and all overtime I was willing to work ) so they cut my hours, while i was changing clothes for second job they remotely disabled the car. I explained my situation and they kept asking if I could just pay it over the phone ... " You XXXX gave me the loan with a pay stub, not a checking account or cc for collateral '' now im running late for work, I tell them to come get the car I'm not dealing with the hassle ... They apologize change my due date, then less than a month later " XXXX '' XXXX in XXXX, il closes down with no notice ... Just a sorry note on the door all wages unpaid around XXXX before tax I should have grossed so when the car was shut off I called and said I just lost my job and got ripped off XXXX by owner that if it doesn't start I'm leaving keys in it I'm done with them ... A week after that I was XXXX for 3 weeks ... Meanwhile they kept charging me like they were letting me drive it ... They disabled it a about a week before my XXXX stay of 3 weeks .... Let 's say they did let me drive it the whole time, how is the balance so high??? XXXX $ what was I charged for??? They took it while I was in XXXX and continued to bill ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation