vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: NV

Complaint narrative:
Recently Nevada unemployment changed their prepaid debit card provider to way2go card provided by XXXX XXXX and I've had nothing but problems with it.

1. They state that you can withdrawal from any XXXX or XXXX ATM fee free but several ATMS I've tried on their list all say I'll be charged by both the ATM and way2go.

2. It says that you can get cash back at the store also fee free but it either doesn't give you that option when checking out or they charge you to get cash back.

3. You can't pay any legitimate bills with this card even though there's sufficient funds to cover what I'm paying. I've tried paying for my car payment and a loan payment I have but it won't take this card.

4. You can't get through to anyone when you call the numbers provided. I've called several times and each time I'm on hold for hours and no one ever answers. I have no idea why Nevada chose to go with this prepaid card instead of allowing direct deposit like every other state.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
In XXXX I was late paying my phone bill and as a result my bill was tuned off. The phone company XXXX XXXX XXXX never informed me that thy were sending me to a collection agency nor did the collection agency, Enhanced Recovery Company, ever contact me. I only discovered it was sent to collections when pulling up my credit report. I paid it off. Also, after paying they have reported this account has not been paid in full which is inaccurate. My dispute is with notification with XXXX XXXX XXXX and ERC and the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: I.C. System, Inc.
State: TX

Complaint narrative:
I noticed a collection account on my XXXX  credit report that does not belong to me. The account name and/or collection agency is I C System Inc. The original creditor is XXXX XXXX account # XXXX. Date opened XX/XX/2021. The collection shows {$310.00} past due as of XX/XX/2021. I have never had an account with XXXX XXXX so I immediately contacted XXXX in an attempt to correct the error directly. XXXX was unable to locate an account for me as I am not a customer. I filed a dispute with XXXX  on XX/XX/2021. I received communication from XXXX  on XX/XX/2021 advising my dispute had been completed. Unfortunately, XXXX  did not remove the collection from my credit report. I then contacted the collection agency, I C System Inc., on XX/XX/2021, to try and get additional information as they are the agency that reported the collection. I C System was also unable to locate me as a customer in their system. The representative searched for me by name, address/state, and social security number ; however, she could not locate a collection and stated it was clear there was an error in reporting. She advised me to contact XXXX  again about the issue. I spoke with a representative at XXXX  on XX/XX/2021. I went through the entire process again, and advised neither the original creditor nor the collections agency is able to locate me as a customer. He stated I needed to file a complaint with the Consumer Protection Bureau which is where I am now. I would like to have this issue resolved as soon as possible as it is negatively affecting my credit score. I do not have alot of information about the actual account and/or collection as I have never had an account with XXXX XXXX. Please contact me if you need additional information.

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 2021-07-09 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
Between the Department of Education and Navient my loans were sent to XXXX  my student loans are at a XXXX balance with XXXX  on my credit report.

My score went from fair XXXX to XXXX poor over night 41 XXXX XXXX points when I have a XXXX balance from {$31000.00} worth of student loan debt.

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP?

XXXX  IS GOING ON ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: TX

Complaint narrative:
Cancel my student loan debt please student loans have ruined my life - Please forgive my student loan debt it is a weight around my neck. I started out at a two year for profit college and only XXXX credits of my XXXX credits transferred to another school. For profit college XXXX XXXX promised jobs after graduation this was not the case. I went on to a four year college since there were no luck with finding a promised job. I was there for several years and still was not close to graduating since my credits did not transfer. I did a modification at {$370.00} a month only to be told that my 9 payment was not to be accepted because they did not take payment from my checking account. I had payment set up with auto draft in my checking account. Loan was sold and new company did not draft it right away. I was told I would have to start all over again.

Debt has impacted credit and rates on buying things. Growing up college was always said to be the road to a better life. This road has been nothing but a nightmare and it still haunts me today.

Respectfully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Through the advice of my loan officer, I initiated a refinance of my home with Quicken Loans. From the very beginning, the underwriter at Quicken Loans advised our loan officer that she had very little experience with Jumbo loans and was completely out of her depth. Yet, for whatever reason, instead of transferring the loan to a senior underwriter, the loan stayed with her. Every day we would receive requests for documents, and explanations which we responded to within hours. For each condition that was cleared, 3 more popped up. At no point did anyone tell us that there was a chance that the refinancing would not be approved, so we patiently waited for 2 MONTHS while the underwriter went back and forth with her team and identified new problems. Several times they lost documents we submitted to them and asked for them all over again, and each time we complied without any issues. For 2 months they led us to believe we were refinancing our loan when in reality they were just looking for reasons to reject it. 3 times the loan went into closing, and 3 times it was pulled out by various people and placed on hold to ask for documents they already had. They wasted 2 months of our time with frivolous delays, when every minute counted for us because we had a terrible rate on our houses and really needed the refinance to continue making payments. Eventually, they declined the loan, completely in bad faith, giving us no reason whatsoever. When asked how it was possible that the refinance went into closing 3 times, only to be thrown out each time, they stopped responding and left us to wonder what went wrong. We still have no idea why we were suddenly rejected, our FICO score was sufficient, our DTI was within the appropriate range, we provided proof of everything they asked for, and obviously someone thought the loan was ready for closing, 3 times. The worst part was that during the 2 months they were " working on the loan '' they ran our credit numerous times, dropping our credit score so low that it will be near impossible to refinance the house anywhere else for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XX/XX/2021 my mother was served by a process server at our home. The process server told my mother that I had a court date for XX/XX/2021 at XXXX XXXX in the county court of XXXX in Colorado. The process server told my mother that I could go to jail if I didnt show up at this court date. My mother gave the documents to me on XX/XX/2021. Upon reviewing the documents I found that while they appear to be an official summons to answer and related forms, the papers are actually falsified documents. There are no case numbers, no signatures and no stamp of approval by the county clerk. In fact, the forms state plainly at the top that they are for court use only. I called the company immediately and they admitted that there is not a court date and that the petition was never filed in XXXX County but that I owed the debt of {$320.00} plus the fee to the fraudulent process server ( which they didnt know or provide the amount ) and the alleged fee for filing, which again, was not filed. I believe that this is a deceptive tactic that is disallowed under the fair debt collection practices act. The company will not return my phone calls and this why I am submitting this complaint. Please see the attached photos of the document that was served to my mother yesterday. Thank you for your time and assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Please remove this item which is not authorized by me, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: MOHELA
State: MD

Complaint narrative:
Between the Department of Education and XXXX my loans were sent to Modela my student loans are at a XXXX balance with XXXX on my credit report. 
My score went from fair XXXX to XXXX poor over night 41 XXXX XXXXXXXX points when I have a XXXX balance from {$31000.00} worth of student loan debt. 

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP? 

XXXX IS GOING ON ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: MD

Complaint narrative:
Between the Department of Education and XXXX my loans were sent to XXXX my student loans are at a XXXX balance with XXXX on my credit report. 
My score went from fair XXXX to XXXX poor over night 41 got XXXX points when I have a XXXX  balance from {$31000.00} worth of student loan debt. 

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP? 

XXXX IS GOING ON ... ..

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 2021-07-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a dispute with Citibank regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use.

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user.

He stopped paying the balance back in XXXX after we divorced, and this account is now a negative on my credit report. When I call Citibank, they can not give me any information because Im not an authorized user.

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze?

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alco Capital Group, LLC
State: IA

Complaint narrative:
well my Identity was Stolen back in XXXX, this company over the years has garnished my checks and now they have a levy on my bank account they were sold to different companies over the years and they took the amount owed multiple times for a debt that I don't even owe because I don't have an account with this company the company that started this was asset acception or something like that then convergence receivables and now they go by Alco Capital LLC they took over the years at least {$4500.00} from me and are still collecting a debt that I never owed them in the first place because my Identity was Stolen and I have letters and documentation stating this I even have a Letter from the IRS stating my Identity was Stolen and they will not leave me alone and this debt has been paid even though it wasn't mine they garnished wages and have my bank account locked and just want them stopped this has gone on for way too long and I feel they need to repay what they stole from me on this matter and unlock my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
Experian refuses to delete an inaccurate account from my credit report. They have fraudulently verified the account as accurate with XXXX. I immediately called XXXX and shared this information, and XXXX said that was not possible for them to verify this bankruptcy with them because there are no bankruptcies reporting on my file. The date of this incident was XX/XX/2021, first dispute in question. I called Experian and immediately opened another dispute into this bankruptcy. Ultimately, Experian emailed me again yesterday XXXX XX/XX/2021 ) saying that this account has been verified by XXXX. I am pretty sure that XXXX isn't the culprit here, since all the other credit reporting agencies have properly updated my reports. I just wanted it to be on record that Experian is still fraudulently saying that they have verified this account with XXXX. I will seek legal counsel in this matter since the CFPB has no enforcement arm to make sure that Experian abides by the FCRA and the laws. It has been nearly 60 days since I disputed this bankruptcy in XXXX and Experian has been viciously fighting to keep this inaccurate account on my credit report. More importantly, Experian is not conducting a proper investigation into the matter. If they did, this matter would have been resolved with my XXXX dispute.

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 2021-07-09 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
ON XX/XX/XXXX I ordered XXXX Upholstered Metal Chairs in Black in the amount of XXXX. It was delivered on XX/XX/XXXX. We were unable to use these chairs so we sent chairs back on XX/XX/XXXX which should have canceled any loans on these chairs. I started getting calls that a payment was due starting in XXXX and each time I stated that these items were returned. XXXX attempted to call them with me on the call that items were returned when we were told they could not verify me. XXXX finally took a look on their part and stated that yes 6chairs were returned and issued it in writing that it was not due. We kept calling Affirm stating that they should have received in writing that nothing was due. They agreed However, they still reported me thirty days late on a loan that should have never been. I have attempted several times directly with the company and the credit bureaus that this needs to be corrected and no one has done so.I have all information in writing and will be happy to provide upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Financial  Corporation
State: MS

Complaint narrative:
Account receivable is account set up by girl I dated an she used my social because she said she didnt have the deposit this was after the fact!!! XXXX XXXX XXXX said it was a mistake if I would dispute it they would fix it an take care of it as son as they got it!!! XXXX XXXX sails I owe them XXXX something dollars am they never bought the loan from approved auto so therefore they have no reason to be on my credit report at all long story short I been working hard to try have some credit to have something an the only loan I have has been in good standing on time every month an it doesnt even show on there for most part. XXXX XXXX hit my credit 9 times in less 2 month on debt XXXX dollars that was a XXXX XXXX XXXXlaim so therefore please please I have done the footwork of call after call over this because this is my life. I expect someone to fix my credit give back my points that belong to me so I can live my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CA

Complaint narrative:
XXXX is reporting a delinquent account to Equifax that was not mine and I was never responsible for. I was never liable for this account and have asked XXXX to remove the account from my credit reports but they haven't.

Company response to consumer: Closed with explanation