vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I FILED A DISPUTED WITH XXXX BACK IN XXXX OF 2019 WITH SEVERAL AUTO LOANS THAT WERE TAKEN OUT IN MY NAME WITH FORD CREDIT, THE FRAUD REP WITH XXXX SAID HE'LL REMOVE AND BACK THE ACCOUNTS AND IF THE BANK THINKS THE INFORMATION IS CORRECT THEY ONKY HAVE 30 DAYS FROM WHEN THE ACCOUNT IS BLOCKED. NOW 5 MO LATER XXXX  REMOVES THE BLOCK AND PLACES THE ACCOUNTS BACK ON MY CREDIT FILE AND HAS POLICE REPORTS ON FILE VERIFIED AND FTC REPORT VERIFIED AND COURT DOCUMENTS VERIFIED AND NOW THEY SAY THERE NOT VERIFIED AND THERE FAKE, WELL IF THATS THE CASE LOCK ME UP! NOT ONE DOCUMENT IS FAKE AND XXXX  CLEARLY TOOK FORD MOTOR CREDITS SIDE, THE FRAUD REP I TALK TO ON XX/XX/2019 WITH XXXX   FRAUD DEPARTMENT STATED, FORD IS A BIG DATA ACCOUNT FOR US AND WE DON'T WANT TO DO ANYTHING TO MAKE THEM MAD. SO THEY RATHER MAKE ME LOSS EVERYTHING I OWN AND WORKED HARD FOR JUST TO MAKE FORD CREDIT HAPPY. THE XXXX  FRAUD DEPARTMENT ALSO SAID CLEARLY THIS ACCOUNT IS FRAUD AND YOU HAVE ALL YOUR DOCUMENTS IN ORDER BUT WE JUST CANT HELP YOU ANY MORE. I HAVE A XXXX XXXX IN XXXX  XXXX  AND WORKED FOR XXXX CONSUMER AFFAIRS  AND XXXX   CONSUMER AFFAIRS AND KNOW WHAT THE FAIR REPORTING ACT IS AND XXXX  DOES'NT. I'VE ALREADY CONTACTED MY LEGAL TEAM TO FILE SUIT AGAINST THEM FOR DISCRIMIATON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
National Credit Audit Corporation ( NCAC ) XXXX XXXX XXXX XXXX, TX XXXX has reported to all major credit reporting agencies of an alleged debt which they purchased from an apartment complex where I previously resided. 

On XX/XX/2019 I received written notification of this alleged debt. On or about XX/XX/2019 and again on or about XX/XX/2019 I requested the following of National Credit Audit Corporation ( NCAC ) : in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay National Credit Audit Corporation ( NCAC ) what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state and provide me with your license numbers ( if applicable ). 

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

To date National Credit Audit Corporation ( NCAC ) has failed to provide the requested documentation. There is not written documentation of me entering into any agreement with National Credit Audit Corporation ( NCAC ) and this was a debt National Credit Audit Corporation ( NCAC ) purchased from the originalcreditor, yet they alleged I owe them ( National Credit Audit Corporation ( NCAC ) this debt and at the amount of the alleged original debt and not the amount they purchased this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
It is very difficult to contact a live person at Navient without waiting long periods of time on hold or a call back. Considering the high interest rate they are charging students ( and government when they repay loans based upon service ) they should not have this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.

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 2019-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: AZ

Complaint narrative:
I received a loan from my school, serviced by Conduent Education, for {$3300.00} ( 5 % interest rate ) for the XXXX - XXXX school year. I remained in school through graduation in XXXX. In XX/XX/XXXX I noticed my credit report showed my loan through Conduent Education was 2 months late. Prior to this I had never received any communication directly from Conduent Education regarding my loan. After contacting them, and submitting documentation, I was able to get my deferment status reinstated. 

I started paying my loan with Conduent Education in XX/XX/XXXX, while it was still in deferment. I paid the loan in full on XX/XX/XXXX. My deferment ended on XX/XX/XXXX. Based on my payment date, I should have been reimbursed for 14 days of interest, as I paid for a month of interest based on the statement. I was never reimbursed that amount, nor was I issued any paperwork indicating my loan with Conduent Education was paid in full. 

Additionally, I was charged a {$3.00} fee even though my account was never late. It was supposed to be in deferment until the XX/XX/XXXX, when I paid it in full. I contacted Conduent Education explaining the above ( fee and interest overpayment XXXX on XX/XX/XXXX, and never received a response. 

To this day I have not received any information from Conduent Education regarding my loan being paid in full. My loan is also no longer being reported to the credit bureaus. I have no official proof indicating my loan was paid off. I can not log on to my Conduent Education account. They do not have an email address posted, and their phone numbers are disconnected. I understand that Conduent Education is no longer servicing student loans as of XX/XX/XXXX ( per their website ), but these issues occurred prior to that. 

I am entitled to documentation stating my loan obligation is fulfilled, as well as a refund of incorrect fees and interest overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I never paid my monthly payment late in XXXX or XXXX I was never told that I was late no notices. Or even a phone call

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 2019-11-06 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: INVESTORS BANK
State: NJ

Complaint narrative:
I have opened a Business Checking account with Bank ( Investor 's Bank ) of XXXX XXXX NJ about a year and a half ago. I chose this bank because the business account carried no monthly fee. 

In XXXX of 2019 I was called by the bank representative and told that they are changing account terms and that starting XXXX my account will be charged monthly. I advised the representative that I do not authorize a charge and to close my account immediately. I was out of state and unable to physically come to the branch. At the time the account only had XXXX cents in it. The representative said I need to come to the bank to pick up the balance. At the end of XXXX I was in a major car accident and was also moving and unable to come to the bank. 

In XXXX I checked back on the online banking service and did not see my account was unable to view anything or have any access so I assumed my account was closed. 

In XXXX I have received a letter that my account has a negative balance of XXXX. I was very confused by this and attempted to call the bank but it was after hours. On Monday XXXX, XXXX I physically visited the XXXX XXXX branch and explained the situation. The representative called the XXXX XXXX Location and said that they can not waive the charge and that XXXX XXXX is unwilling to waive the charge and will not close my account until the balance is paid. 

I told the representative that when I signed for the account it was a free service. I have never received any paperwork stating there will now be a charge and I never signed anything authorizing a charge. The company can not illegally charge fees that were not previously agreed upon and steal money from their customers. I was told there is nothing they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Made a purchase from Amazon using my Amazon credit card XXXX for XXXX. Merchandise was defective, returned the purchase however refund was put on gift cards. Amazon refuses to correct refund method, also has forced additional purchases to be taken from gift card without my authorization.

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 2019-11-06 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: DISCOVER BANK
State: VA

Complaint narrative:
XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX  under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-06 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: NC

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Coast Acceptance Corporation
State: CA

Complaint narrative:
I purchased a car threw a dealership, I gave XXXX down the car was XXXX XXXX for the 2 years I payed XXXX every month and this last year I struggled but I still Im managing to make payments the financial depart says I owe XXXX XXXX still but I have proof of other wise please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
At the end of XX/XX/XXXX I requested a balance transfer of {$1900.00} from XXXX XXXX XXXX  ( XXXX ) to Paypal Credit ( Synchrony Bank ). I repeatedly checked for an email response. The offer of a no-fee transfer expired XX/XX/XXXX, so I tried again. Both transfers were processed by XXXX even though it exceeded my credit limit. I had assumed that they would not allow that to happen. As soon as I saw my balance on-line I called to try to correct it. At that time XXXX   customer service told me they would be able to cancel the second identical payment. When I received my first statement my balance was {$3900.00}, double my {$2000.00} credit limit. This negatively affected my credit score. I called cust. srv. again and explained situation. They assured me it would be simple to correct. I waited til the next statement and it was not corrected. I called again. This time they told me check XXXX for {$1900.00} was sent to Paypal on XX/XX/XXXX and check XXXX for {$1900.00} was sent on XX/XX/XXXX. I waited for my Paypal statement and saw they had applied only one payment. I called them with the check info XXXX  had given me. They said they would look into it. Weeks later I got a letter saying they had received only one payment of {$1900.00} and the error was XXXX 's. I had comenity send paper copies which I relayed to Paypal. After another month, no correction or resolution. I have spoken to XXXX c.s. five times and received the same copies three times. I have spoken to Synchrony c.s. three times and spent {$18.00} in fees to fax them all XXXX has provided me. Each company points the finger at the other and show no interest in actually speaking to each other and tracing those funds. I did not send any check or receive any check so I do not have access to any bank information. I am helpless at this point. They are the only people who can actually find out what happened to those funds and they refuse to do so. I need help. This has negatively affected my health and credit score. Please hold them responsible for solving this discrepancy. I am XXXX and live on Social Security. My entire monthly income is much, much less than {$1900.00} and I am very responsible about handling my debts.

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 2019-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: AL

Complaint narrative:
On XX/XX/2019 XXXX AM CDT, I used Google pay transaction XXXX to transmit XXXX XXXX XXXX {$100.00} for goods invoiced via XXXX XXXX and invoiced via Google electronic mail. 

After contacting the recipient five times with no delivery of goods or status provided, I requested a refund via Google Support inquiry [ XXXX ] on XXXX XX/XX/2019 XXXX PM XXXX. After a cursory review lasting less than 11 overnight hours, Google opined on XXXX XX/XX/2019 at XXXX AM CDT that " no system error or other unauthorized activity was connected to this transaction, so we cant take any further action. '' Google pay supported fraud and theft via their telecommunications and financial credit processing system, acting as an accessory to the crime after the fact. Google chooses to make no amends for illegal activity occurring with their financial support and benefit to Google pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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:
The account XXXX  XXXX {$2400.00} account # XXXX, in XX/XX/2019 this account was placed by Equifax on my credit file. I disputed as not my account, Equifax investigated and removed XX/XX/2019. Now I checked my credit and as of XX/XX/2019 it is back on my credit by Equifax.

Company response to consumer: Closed with non-monetary relief