vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute with Equifax in XX/XX/XXXX because a bogus collection account for XXXX XXXX XXXX was being reported on my credit report. The dispute came back and the account was removed from my credit report until today XX/XX/XXXX the account has be added back to my credit report. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I received an email concerning an auto pay reminder which was surprising to me because I discontinued in auto pay on XX/XX/XXXX. 
The reason I discontinued in auto pay was after they accepted my deferment they then attempted to collect said deferred fees which in turn caused me to over draft with my bank. I filed a complaint with your business at that time and my money was reimbursed. I cancelled all auto enroll payments to Navient to avoid future occurrences. Now, five months later, I had XXXX taken from account today. 
I only work 30 hours a week and can not afford to make any payments at this moment. I reached out to company to request deferment and received a busy signal for number provided on website. I also am unable to defer my loans through the Navient portal. It states that I do not qualify for a deferment of any kind and will only allow me a forbearance. After looking into the the negative aspects that forbearance can do to my financial standing I can not not accept this option.

This leaves me in an extremely difficult position at a financial standpoint and I can not continuously track down the people who state they are here to help me when the only thing they have done is take money out of my account unknowingly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your XXXX is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An unauthorized inquiry appears on my credit report. I have contacted the reporting agency, XXXX XXXX XXXX. XXXX XXXX sent me the letter stating they'd remove the trade line from my report. The letter is attached. The confirmation of deletion is attached to this 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 2018-05-16 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: CA

Complaint narrative:
An unauthorized inquiry appears on my credit report. I have contacted the reporting agency, XXXX XXXX XXXX. XXXX XXXX sent me the letter stating they'd remove the trade line from my report. The letter is attached. The confirmation of deletion is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
contacted muti times about the debt was told that they were investgating but never recived info about the account was told over the phone in XX/XX/XXXX that because there was a payment on the account that it was proof of ownership did inform the company that my mother when she was XXXX did the charges and now I am getting harassed because I disputed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have continually made disputes with XXXX, Experian and XXXX concerning the numerous

names and address attached to my credit report. I have sent them verification of my name via social security card and proof of address via driver license and current mail. I have never applied for credit under any of the names or address 's they have listed. My fear is they have my credit report merged with someone else who has the same name or close too.

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 2018-05-16 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I paid off a 0 % promotional loan from BANK OF AMERICA, paying early, before the 0 % credit card rate would have ended this coming XX/XX/XXXX. I paid them {$2300.00} by check from my personal bank account. Today ( XX/XX/XXXX ) I got an email from B.0.A. that my credit card account has a credit of {$170.00}. When I logged onto my account with them to find out why, I discovered that instead of {$2300.00}, they had given themselves {$2500.00} from my bank checking account, with no explanation. I phoned their customer service to ask why they did this, but none of what they said was applicable to my case, so their agent offered to send an eft refund check for the {$170.00} to my bank account, which he did, saying it will take 2 to 5 days to clear. However, he still had no explanation as to how this over-payment from my account occurred.

While my problem may now be resolved, my complaint remains : B.O.A. gave itself an interest-free loan of {$170.00} from my account, without my permission, not notifying me until today 's email message, which could have caused my checking account to be overdrawn. I am notifying you of this scam in case you have other such reports, if you need to take action against such a practice by this and/or other banks.

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 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
STUDENT LOANS ARE CONSOLIDATED AND IN THE IBR REPAYMENT PLAN. HOWEVER WHEN THEY FIGURE YOUR ANNUAL PAYMENT RATE THEY DO NOT TAKE IN TO CONSIDERATION COST OF LIVING OR OTHER BILLS ONE HAS TO PAY. THEY ONLY FIGURE A FLAT PERCENTAGE BASED ON YOUR GROSS INCOME. NOT NET AND WHAT YOUR EXPENSES ARE. ALSO ON MUCH MORE CONCERNING LEVEL, ALL OF MY EX HUSBANDS STUDENT LOANS AND ALL OF MINE ARE CONSOLIDATED UNDER ONE SSN, MINE! SO NOW THAT WE ARE DIVORCED WE CAN NOT SPLIT THESE BACK OUT. SO I'M STUCK WITH OVER $ 300K IN DEBT. HE CAN BUY HOUSES, CARS, ETC ETC, BUT I CAN'T. 
PLUS I CAN'T USE MY VA HOME LOAN UNLESS I'M MARRIED. XXXX?! 
AND IF I WERE TO MARRY THEN MY STUDENT LOAN REPAYMENT AMOUNT DOUBLES! SO I CAN'T USE MY VA HOME LOAN UNLESS I MARRY, BUT IF I DO THEN STUDENT LOAN PAYMENT DOUBLES. I AM SO SCREWED. I'VE WRITTEN TO MY CONGRESSMAN - XXXX XXXX AND HE COULDN'T DO A THING TO HELP. OR RATHER WOULDN'T.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of Identity theft. Someone used my information to open an account with XXXX XXXX XXXX. I was alerted to an inquiry by Experian on XX/XX/XXXX after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXX I recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX. Including one from XX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX  XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/XXXX Received notification from Experian that they verified the account as mine and the dispute is closed. 

XX/XX/XXXX XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXX Was transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.

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 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
sent all identity theft documentation requested by XXXX, proving my residence for last 6 years also social security documentation proving I am XXXX I do not need or never bought cable at address I never lived at or know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This was an email received from Equifax on XX/XX/16. I have not received any emails or contact from this company since then. 

Furthermore when asked who they were overscene by or regulated by they play dumb. 

Dear XXXX XXXX, We are continuing to process your recent dispute ; as a reminder, it may take up to 30 days to complete your dispute from the date you submitted to Equifax. Your estimated completion date is XX/XX/2016. We will continue to keep you posted on the status of your dispute by sending periodic email notifications. 


Track Anytime! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
Let me just start out by saying I am a fully licensed XXXX XXXX, XXXX XXXX and XXXX XXXX. I used to use Google Wallet regularly and it worked great, the transfers were instant and zero delays. I just tried again after switching to the Google Send app, it said it would take 5 days to transfer ( slower than a check or really any form of money movement ), this is unacceptable. I then IMMEDIATELY cancelled the transaction because again a 5 day time frame for a in place transfer is insane. I submitted and cancelled the request on XX/XX/18 and the cancelation was within under 120 seconds. On XX/XX/18 the money was withdrawn from my account, this caused much financial harm to myself as most of my bills debited my account because Google decided they needed my money 2 days later after I cancelled. When I contacted their Help & Support Group they let me know it could take 7-10 BUSINESS DAYS to credit back to my account. This is fraud, commingling and just illegal time frames for any company in the financial industry. They should be ashamed of themselves and the lack of customer serivce, I used to use Google apps and products religiously however now I and my family along with ALL OF MY CLIENTS will consider a new relationship. You are terrible Google Pay and your service is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I called this company on or aboutXX/XX/2018, spoke to XXXX ext. XXXX and requested an itemized statement. I did not receive what I asked for. Then I called back on XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX I spoke to operator XXXX she was very rude requested to speak with a supervisor, I was placed on hold then transferred to a voice mailbox that kept requesting for a password. I have been trying to verify weather these accounts are mine. I am still awaiting on a response because I am not going to pay for something that's doesn't belong to me. I have attached a copy of the letter they sent me, as you can tell this is not an ITEMIZED copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have continually made disputes with XXXX, XXXX  and Transunion concerning the numerous names and address attached to my credit report. I have sent them verification of my name via social security card and proof of address via driver license and current mail. 
I have never applied for credit under any of the names or address 's they have listed. My fear is they have my credit report merged with someone else who has the same name or close too.

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 2018-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I applied for loan with loan depot with XXXX XXXX XX/XX/XXXX Through out this whole Process when they say they will call back they never does. Very poor customer service! We was pre approved for loan on XX/XX/XXXX. Found a house went under contract we was supposed to close XX/XX/XXXX. Received disclosure XX/XX/XXXX signed and submitted back to loan office an we were under the impression that we would close on XX/XX/XXXX but definitely XX/XX/XXXX at XXXX XXXX. XXXX XXXX XXXX informed me that loan officeer who I had been dealing with quit, that was very unprofessional you never supposed to let a client/customer know that an employee has quit. I received a call from XXXX XXXX XXXX XX/XX/XXXX at XXXX requesting more documents that I was not able to come up within 2 hrs. Information she asked for at XXXX XXXX had never been asked for through the whole entire process. We wired {$8800.00} to the attorney. We paid XXXX earnest money we paid XXXX for appliances and also {$470.00} for apprasail. We were under the impression we were closing XX/XX/XXXX. Apartment that I was living in we moved out because we were supposed to close on XX/XX/XXXX so now I am homeless due to loan depot dropping the ball. I also feel that the reason the loan was denied at the end due to me being XXXX XXXX. My license was sent at the end of the process. So I feel at the being it was approved bc they did not no my nationality This has been very emotional distressed, I feel like giving up on life due to this. I feel betrayed. This has took a toll on my entire family. This has brought on illness XXXX and XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief