vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted   XXXX   XXXX   to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for  XXXX  a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect  XXXX  and that is the statement that I would be responsible for. I made the payment of  XXXX  but they debited my account for  XXXX , which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of  XXXX  removed and the 30 day late mark removed as well.

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 2017-07-10 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: Ability Recovery Services, LLC
State: IN

Complaint narrative:
Ability Recovery - a collection agency for XXXX University has been reporting a false debt to my credit report. I applied to go to that university and filled out all the documents per their instructions. They made it seem like I was being enrolled, but then told me they could n't accept my high school transcripts because the state of Indiana sends them electronically and they can only accept official hard copies of the transcripts from the state. After explaining this to them and even conferencing someone from the Indiana Dept of Education on the phone with them, they still said they could not accept my transcripts. They waited until I participated in an online class setting to tell me this. I 'm guessing this was to try to trap me into this debt by saying I participated. That was shady and should be illegal if it 's not already. <P/>Now, I 'm stuck with a debt that I have no idea is legal to be there. I never attended their university. They collected my government financial aid, but never accepted me or fully enrolled me. <P/>This is damaging my credit report and I will not pay a debt to attend a school I never attended - by their own admission when they said my transcripts were denied. I 've tried to dispute this through all of the credit bureaus, but to no avail. I have spent time and money for shipping costs to these credit bureaus and they are n't able to help me. The blemish on my credit is preventing me from obtaining credit from other places ; including getting a mortgage. <P/>I would urge you to request correspondence from XXXX regarding our conversations. They have them in their emails. They explained to me on multiple occasions that I was not fully enrolled because of my transcripts. <P/>The amount they 're trying to collect is {$2400.00} and I will not pay one penny to them. I 've been told this wo n't be removed from my credit report until 2023 and that is unacceptable. I do n't understand how a university can fraudulently collect debt this way and they already got federal financial aid in my name, as well. <P/>I need help in this matter. XXXX has been underhanded, greedy, and dishonest. Please help. <P/>I 'm enclosing an email stating they received an unofficial transcript and them requesting another. This is after I had to pay for the state to send the " unofficial '' ones. You can see clearly in the email that they REQUIRE an official hard copy, but per the state of Indiana Dept of Education, they do n't provide hard copies. I was never fully enrolled according to what they ( XXXX ) say that they REQUIRE hard copies of a document that I never provided. How can they collect on an account that never truly existed? <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am a XXXX who has been working with my clients for almost a year and a half. My clients are from XXXX and are retiring here in XXXX. I began this process with them inXX/XX/XXXXwhen we meet in XXXX XXXX XX/XX/XXXXto discuss their particular situation and when they were looking to move here. I knew that they would not be moving till spring/summerXX/XX/XXXX but would be coming to XXXX frequently to see homes that interested them. About 9 months into the process I received an email from my client that she had been working with Navy Federal Credit Union on their preapproval and wanted to know if I was affiliated with them. She states in her email ( attached here ) " We are considering pre-approval with Navy Federal Credit Union. We 've been told that we can get a reduced mortgage rate with a realtor associated with them '' I informed them that it is a RESPA violation and that is steering. Through the next 5 months my clients continued to work with me, making several trips to XXXX to look at homes. The last time they came back was the week ofXX/XX/XXXX at which point we were going to look at a bunch of homes and hopefully put an offer in on one. I advised that they bring their preapproval as we would need that to submit and offer. They viewed some rentals when in town because they were not sure they would find something and wanted to move back ASAP. Without me knowing they went to see a house and feel in love with it. After all the paperwork was done they emailed me to let me know they had found the one. I was a little taken back by this and emailed asking if I had done something wrong ( emailed attached ). I was advised that I had done nothing wrong and that they LOVED working with me ( email attached ). They wrote me a fantastic recommendation on XXXX and stated " Our final commitment to XXXX XXXX and the house that we 're buying was based on NFCU and their partner program, XXXX XXXX ''. ( Email attached ) So after a year and a half of working with my clients, they find a house and NFCU tells them to use one of their realtors affiliated with them to submit the offer and NFCU will give them a reduced mortgage rate. I do not believe this is legal and this is also steering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Hello I have a medical debt from Wakefield and associates stating I owe a medical bill in the amount of {$560.00}, I never signed a contract with Wakefield and associates and do not owe this debt to them. I also did some research and found they are not licensed to collect in the state of Georgia and I would like this debt removed from my credit report with all credit bureaus immediately.

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 2017-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am trying to get my transactions sent to active hours and my bank will not send the transactions that I need forwarded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been contacting Capital One since XXXX 2017 about 3 hard Inquiries that are on all 3 credit bureaus XXXX XXXX & XXXX XXXX, which are damaging my credit. I do not recognize these inquiries, and have place a fraud alert on my report. I have spoken with dozen Representatives from Capital One with no resolution ... ..last 4 of my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In  XXXX  I opened a bank account with Bank of America. I was looking for a loan with an internet company that said they could approve me with a loan but they needed to verify my bank and account info. They tried to make a deposit in my account but it was something fraudulent with my name on it. Bank of America closed my account and wo n't let me open another and I ca n't open one with anyone else either. I did n't do anything wrong other than try to get a loan. I contacted the company and they said that it was n't them who I was talking to and dealing with. They said that sometimes internet companies will use other companies names to give out money but there most of the time fraudulent and not the company they say they are. At this point I did n't know what else to do I did call the actual company to complain but because it was n't that company technically they could n't do anything. I also tried to explain to Bank of America that I was unaware of what happened and that I did n't do anything fraudulent but they still close the account and refused to let me open up a new  one  and now because of this I 'm flagged in some sort of banking system and I can open a bank at any Bank and this is so frustrating I need some help please.

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 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TN

Complaint narrative:
i have recently checked my credit file and discovered that this company is reporting that I owe the a debt. To my knowledge this company has never provided me any services nor goods

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Credit Bureau inserted three bankruptcies that do not belong to me. These bankruptcies belong to a different XXXX XXXX ( Whom I do not know ). They were removed from my credit report during a previous investigation in XXXX, and suddenly without notice the company has put them back on my credit report. I never lived at any of the addresses of these bankruptcies, and the person whom they belong to has a different social security number. Additionally, the agency gave me no notice or reason for the insertion of these bankruptcies. No documentation. I contacted the courts and the courts assert that Equifax DID NOT get this information from them. I am sending again copies of my leases from the last several years as proof of my address, a copy of my social security card and my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit is attempting to collect on a debt that they purchased from XXXX. When I requested debt validation for thus alleged debt thet failed to properly validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: Credit Plus Inc
State: MA

Complaint narrative:
XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date isXX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
When my loan was with XXXX XXXX and I was having a difficult time paying my loan they convinced me to use my all my options to continue to delay my payments. At the time, with a young family, I thought XXXX XXXX had my best interests in mind and I agreed to move forward. I did n't fully understand that later in life I would no longer have this option if I ever needed it again. Also the interest was continuing to be charged, so it meant that XXXX XXXX was making more money off me. When XXXX sold my account to Navient I had moved and did not receive the notifications. Navient was not sending me paper bills and the emails they were sending were going to my spam. After I realized I should be paying Navient I called and emailed them multiple times asking them to send me paper bills, and to take off any penalties or credit reporting of late payments however they would not remove any penalties. They finally started sending paper bills. I have had my original loan since 1999 and I do not have even 1/2 paid off. Interest and penalties have piled up so much that my loan is costing me an extremely high amount. This is not something companies should be allowed to do for people who 've taken out student loans with a reputable company only to be sold to another and treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have disputed this debt directly with this company numerous times and received nothing back. However, they are still reporting this account to my credit reports. 30 days have passed since my last request for validation and still have received nothing

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: MA

Complaint narrative:
XXXX has incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I have a car loan through XXXX XXXX XXXX XXXX. I was given instructions to pay my loan from through Western Union using, " Name : XXXX XXXX XXXX XXXX City Code : XXXX XXXX XXXX : TX. '' On XX/XX/XXXX I made a payment of {$1200.00} plus a fee of {$59.00} through Western Union 's website. There was no place for me to enter a state or city code, but there was one " XXXX XXXX XXXX XXXX  '' listed. When I called XXXX over the next few days they said they did not receive my payment. I checked my conformation email and saw that it was sent to XXXX XXXX XXXX XXXX in XXXX CA. When I called on XX/XX/XXXX, they told me that they would try to reroute the money to the correct XXXX. Every time I have called since they have told me that the XXXX in XXXX CA has not responded to the request to return the money. As of XX/XX/XXXX I have made six attempts through Western Union to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Med-1 Solutions, LLC
State: FL

Complaint narrative:
About 4 months ago this company REV 1 Solutions appeared on my credit report I advised rep I do not have a debt neither a contract with this collection agency I requested the collection agent to produce a contract signed for this debt so I can verify as well as requesting this debt be verified and not validated by them as well as requesting a copy of their license to practice in Florida never received anything debt was removed off credit report go to check my report this morning after an alert and this same debt agency is back on there. Please have them send a contract I signed with them for this debt from the creditor as well as them that they are claiming I owe along with a copy of there license to practice in state of Florida I have NO Contract with REV 1 Solutions so please quit trying to collect for a debt I do n't owe as well please cease any credit reporting unless they produce proof of a contract and license to practice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE GRANTS CUSTOMERS THE XXXX SERVICES POWERED VIA XXXX, BUT ARE UNABLE TO USE BECAUSE XXXX IS BLOCKING MY CREDIT. CAPITAL ONE MUST CONTACT BOTH ARTIES OR BE SUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX XXXX to Nelnet. Nelnet says this happened in XX/XX/XXXX, SC student loans says the last info sent was in XX/XX/XXXX. I paid off the entire balance to Nelnet in the amount of XXXX on XX/XX/XXXX, & because I paid the loan after XXXX on XX/XX/XXXX, I also had to make payment for the next days interest which was less than XXXX cent. ( I will have to pull bank statement to determine exact amount of interest paid with the second transaction ). Almost 3 months after the payoff, Nelnet sent me a statement on this account stating I still owed {$60.00}. I called immediately since this was already paid off. Nelnet told me at that time that it was the last payment still owed, as they did n't take last payment with the transaction. I was sent to a supervisor who told me the same. I argued that because I was sent a statement that it was paid in full. I was getting so frustrated that we had to end the conversation before it got nasty. I called back a few weeks later hoping to get somewhere with them before the due date of the payment they claim I still owe. At that time, I was told that XXXX XXXX XXXX XXXX ( XXXX ) had sent a statement of fees still owed on the loan to them & that it was NOT the last payment withheld from payoff as I was told before. I asked for information to contact XXXX about this because I was n't aware of any fees. I called XXXX who says they have n't sent anything to Nelnet since XX/XX/XXXX. Something sounds very suspicious and I want to know where this balance came from because I feel this is bogus charges & they ca n't seem to get their story straight about where the balance came from. If I owe, and they can prove the charges legitimate, I will pay. However, I do not have money to just give away for some bogus charges they came up with and ca n't explain how they got there. They have had me going around in circles from Nelnet to XXXX and I 'm not getting a straight answer from Nelnet. **I ca n't put my hands on the paid in full receipt because we have alot of stuff boxed up to move, but the attached file is a statement sent in XX/XX/XXXX that I owe {$60.00} & states the amount I paid off and the date it was paid off. I have bank statements and I hope Nelnet will still have a copy of the phone conversation on XX/XX/XXXX when I spoke to a representative to give my checking account information to pay off the loan. When I unpack at our new home, I will gladly send in the paid in full receipt.

Company response to consumer: Closed with explanation