vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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:
I received a copy of my credit report on or around XX/XX/2020. I noticed many items on my credit report that was not correct. 

The following accounts : US DEPT ED Account # XXXX DEPTEDXXXX Account # XXXX I submitted a dispute with all three bureaus specifically regarding two reporting of student loans. The accounts were reported as a charge off with a balance. I uniformed the three bureaus that the information displayed was not accurate and to remove from my report. I disputed with all three bureaus on the follwing dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Each time receiving a quick response of being verified. I requested that they inform me of where they verified the informartion, but was unsuccessful at receiving that information. I filed a complaint with the Attorney General and they took the dates I provided and said they conducted investigations on the dates I provided and they will contact the bureaus. I waited a month to get additional feedback and have not received it. This information is not accurate and is affecting my life. I have asked several times that my credit profile be updated and removed from my report and seem to just receive more automated reponses.

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 2020-07-17 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I filed recent complaint XXXX - XX/XX/2019 - ISSUE - False statements or representation. 

I have updated information that was discovered from complaint XXXX. 

# 1 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not an accredited Institution ; Therefore, the printed transcript of completion and credit hours had no authority or authenticity. 

# 2 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not offer or assist in any sort of Financial Aid Options. 

# 3 The Schools recruiter guarantied after completion of the course I would make a starting salary of {$60000.00}. 

# 4 I have been paying on this loan for over 16 years! The loan I originally borrowed was approximately {$9300.00} # 5 To Date I have paid over {$15000.00} through the life of the loan. 

# 6 Now currently owe MORE than what the loan was initially taken out for. 

# 7 From recent complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX referred to me as Ms. XXXX. I am a Man I have been my entire life born and raised. XXXX is an XXXX XXXX mans name. As a matter of fact, in XXXX Baby Names the meaning of the name XXXX is : War. This being said its rather insulting for someone to referred to me as Ms. XXXX. 

# 8 From recent complaint XXXX XXXX XXXX states that I should contact my current servicer which is Navient. 

# 9 In Navient 's logon page to pay for the student loan absolutely no where does it state the loan is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loan states that it is for XXXX XXXX College the college I attended some 8 years after The XXXX XXXX. I am guessing because was not an accredited. 

# 10 The XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX has been torn down in and they changed their name. to XXXX XXXX XXXX University. The former building used to reside at : XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH XXXX XXXX   XXXX # XXXX Even though graduating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , when I started school at XXXX XXXX College not 1 credit hour transferred, nothing! I studied worked hard made the academic honor role for a fake school with fake credits and I have nothing but a canker sore of debt to pay for. 

# 12 I get multiple harassing phone calls from Navient on a daily basis. Due to Covid-19 I attempted to take a forbearance. I told them to put me on the do not call list which they ignored. I receive daily calls from a Florida number XXXX it is XX/XX/XXXX and I have received 7 calls from this number since Sunday evening!! 

This seems very fraudulent and wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I received a call from Meade & Associates XX/XX/2020 at XXXX EST from number ( XXXX ) XXXX. Representative named XXXX ( do not know last name ) called me. I tried clarifying payments I have already made towards my account however she couldnt really give a definite answer of why shes not showing my payments. Instead of telling me I could dispute charges, she then says okay well you have a great day when I am trying to figure out why my payments are not showing. Her tone of voice was very sarcastic when she was saying how Im either going to pay or not because its on me, and my responsibility. I just use one curse word because I didnt appreciate how she didnt want to help me or her tone of voice and the representative HUNG UP on me instead of trying to work out where my previous payments have went. I called back, got the same lady ( XXXX ) and I wanted to talk to a supervisor. She then told me one is not available. I requested to just talk to another representative and got in touch with XXXX. He gave me the companies name ( I wasnt sure how how its spelled ). I complained about the last representative, as Im sure anyone would, he ALSO was rude and very smart aleck towards me. Supervisors name is apparently XXXX XXXX and I have yet to receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I logged in to TransUnion, and the others, to check my credit and filed some disputes. I have a screenshot of my score with TU when I log in : XXXX. The next day, I had a friend pull my credit for a home loan application. TU is reporting my score to them as XXXX. I have a screen shot. Checked it more than once to make sure it wasn't a glitch. Still the same. I'm pretty sure that's illegal.

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 2020-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Hello, I received a call from someone from check into cash services saying that I owed them from a debt opened last year which I had explained to the associate that I never approved any online transactions for a loan. I had XXXX  XXXX XXXX and my account had been breached. I had to pay XXXX almost 3 times to keep my account open so that the bank could try and resolve the problem. The bank ended up closing my account because I refused to keep making payments on an account that I did sign. I spoke with check Into cash to try and work out something without me paying but they refused and ultimately sent the account into collections. I wish to dispute this transaction because I dont acknowledge this account and dont have the funds to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
In XXXX  I deposit cashier check ( XXXX  ) in the BANK OF THE WEST in XXXX XXXX by XXXX ( MANAGER ). 
I have the receipt is done in XXXXXXXX XXXX. 
Today XXXX The money is not my account. 
I don't receive the check back. 
I don't receive the money back. 
I send XXXX email I send XXXX  fax and I go in person to the Bank. 

I need your help to recover my Money. 

Thank You XXXX XXXX cell # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
Just saw on my credit report an issue from 2014 that i dont know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: LA

Complaint narrative:
On XX/XX/2020, I received an email with the results of a background check done by Checkr, for the company XXXX. The background check showed warrants with XXXX XXXX in Louisiana. However, after checking with the XXXX XXXX Sheriff 's Office, it has been confirmed that I have no active warrants, and that checker is showing years old information. This mistake led to me losing my employment and only source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CT

Complaint narrative:
Applied for mortgage refinance with XXXX XXXX XXXX  and the banker ( XXXX XXXX ) told me that Experian score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to Experian asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 Experian XXXX XXXX  XXXX XXXX  XXXX XX/XX/20 Experian XXXX XXXX  XXXX XXXX & XX/XX/20 XXXX ) XXXX  XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit  bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.

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 2020-07-17 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: MS

Complaint narrative:
In the past, I have disputed debt from XXXX XXXX/XXXX XXXX XXXX since XX/XX/2020 because I did not owe it. the account was closed on XX/XX/2020 and my credit score went down 17 points. when it should have up 100 points. This complaint is against the Experian bureau, XXXX XXXX XXXX, XXXX, TX. 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 2020-07-17 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Greetings, I have reached out to all the XXXX  concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX  provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX  provided address information for the inquires reflecting my report - so far two of the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. OneMain signed for my letter reaching out to them concerning the following inquiry reflecting my credit report. They signed for my letter on XX/XX/2020 and today is XX/XX/2020 and they have not replied within the 30 days given to response. This company which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts. It needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I've been waiting on the dept of ed since XX/XX/XXXX to ask for any debt forgiveness after my husband 's leg was amputated XX/XX/XXXX. I can not afford my loans. Furthermore the school i attended was closed by the dept of ed for selling phony loans and over charging interest and lying about their accreditation policies. Selling worthless degrees. I've been directed by the dept of ed to work with great lakes but am going in circles. How long does it take for file to be reviewed? I think 3 and half years is absurd. I can not get a mortgage loan since there's no actual student loan payment reporting on credit and the mortgage lenders want to use 1 % of the payment against me. On XXXX that's over XXXX a month causing me further financial harm since i shouldn't be wasting my money on rent. The school i attended ( MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sued by the state of mn in a class action lawsuit. I incurred financial harm from misappropriated account ledgers ( The school was cooking their books ) misappropriating grant money, etc. I provided my student ledgers, a hardship letter and a request form. 

I've wrote letters to the secretary of ed XXXX XXXX but she too will not respond to any correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: FL

Complaint narrative:
THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My bank PNC is not allowing me to connect my bank account with my XXXX XXXX  account. I would like to transfer money from my cash app into my bank account but I can not do that. Now I must go pull money out of the ATM in order to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: MO

Complaint narrative:
I began trying to get my credit straightened out in XXXX of this year. I paid close attention, ( checking my credit daily ), to what was going on with my credit. In XXXX of 2020, I noticed an inquiry from XXXX XXXX, which I did not make. I sent notices to the three credit bureaus an XXXX XXXX. Around the end of XXXX I received a letter from XXXX XXXX  that contained information on who to contact if the inquiry was truly not mine. Around XX/XX/XXXX, I contacted the fraud unit at XXXX XXXX  and they sent notices to the three credit bureaus. Two of the bureaus, XXXX XXXX and XXXX  immediately removed the inquiry from my report, but Experian as of this date has still not taken action to correct the information. As a matter of fact, my score with Experian has been slow to improve, as they appear to drag their feet when addressing issues that are pointed to them. When XXXX XXXX  notified the credit bureaus of the fraud, They did so by computer, so the information was there when it was transmitted.

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 2020-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
Hello, I received a call from someone from check into cash services saying that I owed them from a debt opened last year which I had explained to the associate that I never approved any online transactions for a loan. I had XXXX  XXXX XXXX and my account had been breached. I had to pay XXXX almost 3 times to keep my account open so that the bank could try and resolve the problem. The bank ended up closing my account because I refused to keep making payments on an account that I did sign. I spoke with check Into cash to try and work out something without me paying but they refused and ultimately sent the account into collections. I wish to dispute this transaction because I dont acknowledge this account and dont have the funds to pay it.

Company response to consumer: Closed with explanation