vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: CA

Complaint narrative:
I'VE SUBMITTED MY COMPLIANT REGARDING THESE ACCOUNTS TO THE CREDIT BUREAUS AND STILL HAVE NOT GOTTEN A RESPONSE AND IT BEEN OVER TWO MONTHS

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 2021-09-14 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:
I'VE SUBMITTED MY COMPLIANT REGARDING THESE ACCOUNTS TO THE CREDIT BUREAUS AND STILL HAVE NOT GOTTEN A RESPONSE AND IT BEEN OVER TWO MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I applied for a loan in XX/XX/2010 to attend a class as a XXXX XXXX at XXXX XXXX. I received a loan in the amount of {$8500.00}, which was distributed in full. The loan was initially with XXXXXXXX XXXX  and was then sold to Discover Student Loans. As of today I have paid {$10.00}, XXXX and according to my last statement {$1400.00} has applied to principal and {$8700.00} has been applied to interest. I have paid more than the original amount of the loan and I still have a balance of {$12000.00} on a {$8500.00} student loan for one semester at XXXX. Is there some law or rule regarding excesses payment? I agree I have a variable rate and I have deferred the loan for about 3 to 4 years. However by time I am finished paying off this loan it appears I would be paying at least 4 times the amount of the loan in interest. Is there anyway this can be rectified? is there any rule or law that can help someone like me in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Georgia Way2go card State Benefit been received : Georgia Benefit Program : PUA/FPUC Transaction summary : PUA $ XXXX XXXX Weeks FPUC $ XXXX XXXX Weeks Deposit Date XX/XX/2021 The account is been suspended after they make the payment on there for me, please i need your assistant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
A payment was sent to me through Paypal from a friend for money that was owed. The default in the application marks every payment as for goods/services which then subsequently charges the recipient a fee. The organization will not refund the fee nor will the organization reverse the transaction. They state there is no way to accomplish this and are clearly scamming people out of funds for fees collected for non-existent sales of goods/services. I attempted to escalate to a manager and was told there is no way to reverse a fee or reverse a transactions. I then asked my account to be restricted so as not to be able to receive funds from anyone. This is also not possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have received multiple unsolicited offers in the mail from American Express. I have called in excess of 10 times to get this issue resolved and to have my contact information removed from their system. Each time I have been told that it was taken care of, but I continue to receive between 5-10 mailer offers EVERY month.

I am registered as Do Not Contact/ 5 year opt out on ALL offers, but they still send me mailers. I am routinely hung up on by representatives from American Express and am fed up with being harrassed by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC
State: PA

Complaint narrative:
I found out this year ( 2021 ) that someone had gotten loans and credit cards in my name. I keep getting phone calls from debt companies about debt that's owed to them in my name. I contacted the company Best Egg and let them know I never ever applied for a loan with them in my name. I submitted my FTC report, my Police report and a letter telling them that the debt is not mine. They told me that they will not except my documents because the supplied the loan to me into a XXXX XXXX account that I do not have. I don't know what else I can do to prove that the debt is not mine. I went to the Law Enforment agency and the government fraud websites to prove my name and Best Egg is basically telling to go XXXX an egg unless I pay. The loan was aquired in XXXX for almost {$19000.00} dollar.s

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Everest Receivable Services Inc.
State: CA

Complaint narrative:
Received scare tactics to family members who would not provide my address. Received automated calls stating federal employees will arrest me or a warrant will be issued if I did not call back within a certain time frame. Told I was sued and I have to pay $ 1000s but never received court ordered documents to back up claims. Received multiple calls after advising not to contact my phone number anymore. I contacted the Payday loan service who said the debt was sold to a 3rd party and the company is not suing.

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 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  IN Original creditor : XXXX XXXX {$200.00} Balance updated XX/XX/2021 i Never Open any Accounts with This Company This Account Is Fraudulent and its been Reported to my credit report i never open any accounts with this company and they are forcing me to paid them for something i never open with this company also been getting harassment phone calls from this dead collector and also fraudulent phone calls asking me to paid for this account i never open and also this collection account was place on my credit report Experian and XXXX and requested for the credit reporting agency to dispute this Fraudulent account from my credit file i want for this company to stop harassing me to paid for Disputed With XXXX Disputed with Experian Identity theft Account From Collection Agency

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 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.

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 2021-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.

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 2021-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX  refuses to investigate a dispute. I submitted disputes through their system and the information that I'm disputing is incorrect and needs to be fixed. When they completed their investigation the first time nothing was changed they claim that it was verified but upon calling them they didn't verify anything with the company and just repeated the same false information. So when I try to submit another dispute they block the dispute because they claim to have already investigated it. They have not done so and continue to block any effort to dispute the incorrect reporting that they are doing. There are five line items on my credit report that are false incorrect and not in negative status. Experian refuses to delete these items they continue to block any efforts and will not investigate anything. I need help to get these items removed from my credit report as they are false. Experian refuses to actually contact the individual companies to get the information to fix the problem. They claim that they have investigated it but they have not.

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 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
The misappropriation of funds started on XX/XX/XXXX. I made a house payment that was applied to principal funds, and had to have it reversed. On XX/XX/XXXX, I made another house payment with an additional XXXX dollars to the principal to stay a couple of months ahead, another phone call to reverse the all principal application and get it towards my house payment. On XX/XX/XXXX, another phone call to reverse the principal payment and have the XXXX dollars which is the amount of my house payment ( and should have been a clue ) applied to the house payment. On XX/XX/XXXX another phone call to have the XXXX dollars ( again the amount of my house payment ) applied to the monthly payment and not the principal. On XX/XX/XXXX another phone call to reverse the additional payment of XXXX applied to the principal coded to my house payment and have the additional XXXX dollars coded to principal. At this point I am 6 months ahead, but yet they coded the XXXX dollars as a partial payment and just had it sitting there, not applied to anything. On XX/XX/XXXX, another phone call. I made a house payment with an additional XXXX dollars as I have been doing for years. They put the XXXX dollars to the escrow. I am thousands of dollars ahead in escrow. I once again called them to correctly apply the XXXX dollars extra to principal, their solution is to rescind my house payment. The money is not in my bank account, not applied to my house payment, and not towards the principal. I have spoken to managers, de-escalation agents etc. There XXXX page is full of complaints regarding the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I applied for mortgage services with Wells Fargo bank. I worked on my credit score to bring it to the standard or a FHA loan. I submitted my application with all of my backup documentation and was told that my preliminary score qualified mean or conventional mortgage, but not an FHA loan. I submitted my bank statements and paperwork required to proceed with my loan. However my loan was then declined stating that my credit score did not meet qualifications. When I submitted my application initially my credit score was XXXX XXXX and XXXX respectively. However when they ran my credit the second time about a month later the scores had dropped due to the inquiries made when the bank pulled my credit for mortgage. I was told that my scores were too low. I've been submitted disputes with the credit reporting bureaus to raise my scores and get everything corrected. Although the disputes are still a work in progress my scores still qualified me for a mortgage. Then I was told that my scores weren't the problem it was lack of finances in the bank. At the time I had over {$10000.00} in Wells Fargo so I don't understand what they were talking about. I feel that Wells Fargo is using discriminatory practices because I am a single XXXX female and refusing to follow through with a qualified candidate for financing for a home.

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 2021-09-14 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: TX

Complaint narrative:
heY so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
I have been receiving phone calls about a Debt that is owed to a Medical office out of XXXX Texas and I live in XXXX TN. I have never been to XXXX and I have never used this company 's services. I asked them to send me a bill in which they did.for {$5400.00}. I called the office and asked for the address to the Doctors office. That is when I found out that this is a Fraudulent company.

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 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The 3 Credit Bureau is reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: NY

Complaint narrative:
L J ROSS ASSOCIATES IN Original creditor : XXXX XXXX {$200.00} Balance updated XX/XX/2021 i Never Open any Accounts with This Company This Account Is Fraudulent and its been Reported to my credit report i never open any accounts with this company and they are forcing me to paid them for something i never open with this company also been getting harassment phone calls from this dead collector and also fraudulent phone calls asking me to paid for this account i never open and also this collection account was place on my credit report XXXX and XXXX and requested for the credit reporting agency to dispute this Fraudulent account from my credit file i want for this company to stop harassing me to paid for Disputed With XXXX Disputed with XXXX Identity theft Account From Collection Agency

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 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
I trying to get a PayPal account. Company allege that in 2014 was open an account with my credentials. The area code phone is not the same that my area code phone. The email coincide, i don't know how. I am in this nine days by phone without callback nor results all times that i called.

I sent from carrier mobile the information of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: SC

Complaint narrative:
still reporting false, misleading, and inaccurate Information on my consumer report sent several letters and they refuse to properly investigate, refuse to remove inaccurate item, and refuse to send proper validation.

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 2021-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My daughter has a XXXX  checking account that was to be converted to a stand alone account. Chase never separated the accounts and someone gained access to her account through my account. I was a victim of a scam but had no money for them to take. Had chase separated the accounts like we requested they would not have had access to her account. The scammers not only got away with one transaction over her spending limit but two. Per XXXX XXXX XXXX XXXX around XXXX XXXX  she said this is not chases problem. The withdrawals happened XXXX. I called chase within 5 minutes of the problem. I also would like to tell you about XXXX since I was trying to call them when scammed. I called them to advise them of what happened and they informed me that they know about the scam but it is not there problem as well. I question, why is it ok for a company to be aware of a scam attached to there name and not take steps to protect there customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian has routinely reported negative credit reports beyond the seven years that is statutory limit. Late payments are specifically defined as 7 year limits. Experian routinely ignores the law in this regards and has created procedures that prevent consumers from disputing these errors in their credit reports.

Experian 's own blog XXXX XXXX XXXX says that late payments are reported for seven years however Experian has no procedures to remove late payments from negative reports in a timely manner. I would suggest that Experian intentionally fails to remove negative reports or is incentivized through the Experian Boost to fail to make the appropriate adjustments in credit reporting.

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 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC
State: AZ

Complaint narrative:
A few days ago I found on my credit a new collection of Asset Recovery Solutions which I do not recognize, I have never been notified. How is it possible that an account without validating my credit begins to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Alright call me, XXXX XXXX XXXX I couldn't put the school down because the school doesn't exist. 

I need my money back. 
I have all my paperwork and I was on the lawsuit but never heard anything yet. 

The School was a scam and Navient harrassed me and my co-signer when we were suppose to release from the loan. School was shut down before I could finish it and I filled out the paper work from day one to get out and they denied it which they can't deny it. 

I need my money back now! 

PLEASE CONTACT ME XXXX XXXX

Company response to consumer: Closed with explanation