vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX I used a XXXX account in XXXX to buy books for college classes I was taking off of XXXX. After using the account to make the stated purchases, I discontinued using XXXX for any future purchases. The Credit Card linked to the account expired and was not renewed. XXXX XXXX, I was contacted by XXXX to discuss possible fraudulent activity on my account. XXXX representative stated a Laptop was purchased XXXX XXXX XXXX XXXX using my XXXX account from XXXX and shipped to an address in California. I was asked if I made this purchase. I stated that I did not make this purchase. XXXX recognized that my account had been dormant with no use since XXXX. They stated that this would be investigated and stated they would contact me with any further information. I was contacted a second time by XXXX stating they confirmed this was possible fraudulent activity and would cancel this attempted charge and apologized to me. I stated in both phone conversations to please ensure my XXXX account was closed so that no charges could be placed on that account. This was recognized and further communication was given to me stating that all charges would be removed and the account closed. I completed all phone conversations with them to process the charge for investigation of fraudulent activity. XXXX XXXX, XXXX I was contacted by XXXX stating that I owed charges for a purchase in XXXX of the stated laptop above. XXXX stated they attempted to contact me for dispute of the purchase, but was unable to reach me. I stated the charge and activities were inaccurate. XXXX stated they understood this, but I was still responsible for the charges. Please help

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 2017-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had requested for a consolidation option for my son. Upon receiving quotes from XXXX and Navient regarding a consolidation they sent me information in late XXXX early XXXX ( XXXX ) informing me that my application was under review and that I would receive a packet in the mail that would allow me to decide if the options presented to me would work. I was told over the phone that nothing was solidified and that until I receive this paperwork I would not be set into a plan. Well, I did not receive the paperwork in the mail and on XXXX XXXX, XXXX my loans with XXXX were bought from Navient for a total of roughly $ XXXX. I called to question this and was told that because my lack of response, I was automatically enrolled in a 25 year plan for repayment with this consolidation and because of this consolidation, I could no longer adjust the terms. I was upset because I did not sign any paperwork and was never aware of the plan, interest, or the consolidation holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from XXXX different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Car was deemed a total lost In XXXX insurance company sent a check on XXXX XXXX which was sent to the finance company. company said that they could not process the check as a result i was given a XXXX day marker on the car. TFS states that they got check on XXXX the due date was on the XXXX they also stated that they had a return check from the insurance company which the insurance company nor I have record of. 



This letter is confirming that a payment was issued to Toyota Financial Services in the amount of XXXX  on XXXX/XXXX/XXXX for the date of loss XXXX/XXXX/XXXX for the total loss of the XXXX XXXX GS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: AES/PHEAA
State: VA

Complaint narrative:
AES Student Loan Services has reported an Old Account which was listed on my Credit Report XXXX, with the Date of Status XXXX and First Reported XXXX. This is an Outdated and Negative and False Reporting. The Bank listed is XXXXXXXX XXXX which is Listed for 2 Loans in XXXX XXXX XXXX XXXX {$2900.00} and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, {$3500.00}. The School also closed under Bankruptcy School ID XXXX. 
On XXXX, The Department of Education approved for a Discharge of the Federal Student Loans and this Loan Holder ( s ) AES has refused to release or Transfer my Loan to XXXX XXXX XXXXXXXX XXXX XXXX for The Discharge. XXXX has contacted AES many times to have the Loans transferred but no response has been given to XXXX from AES. XXXX XXXX informed me that the Loans were sold back to AES but AES reported these Loans as new Loan on my Credit Report as New Open XXXX, and 1st Reported XXXX with a payment and Status Current. I have n't made any payments nor should this be reported Double on my Report this Account is Outdated from XXXXI contacted AES and they claimed they could speak to me because they had another name Listed for my Social Security Number/DOB/address . I do n't know what they have in Error but yet they were allowed to report False Information on my Credit Report which is PROOF they have all the Information Needed to talk with me concerning this Incident. All Reporting from AES is Fraud and they are also claiming to be reps of XXXX XXXX or XXXX XXXX gave me false information. I want all these Accounts to be removed from my Credit Report as they have caused Due Hardship and violated my Civil Rights with Fraud. This is abuse of the Government Student Loan and Department of Education. I want all points restored back to the my Credit Score which was reduced because of this Fraud committed by AES and XXXX XXXX due to Error and refused to Obey the Discharge Laws and Policies when the Discharged has been approved. I want a written apology for this Harassment and violation of ADA Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 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: TX

Complaint narrative:
I opened this account with XXXX like 2 years ago. Sometimes this year i called the company and demand that it should be closed. They told me that i can keep the account open and that they will not charge me annual fee if i do n't use the card. Later on they called me and told me that i am owing money on the account. I explained to them what happened the last time i spoke with them, so they told me they will clear the debt and close the account. I think they called me 2 more times to ask that i pay the money, and on all occasions i explained to them that i have requested the account be closed. 

Later when i lost my job in XXXX, i applied for a load and they turned me down that my account is delinquent. I did n't understand what that meant, so over looked it. It was when another company closed my account with them and mentioned the same delinquency that i had to check my credit and saw that it was reported by XXXX as past due twice, one in XXXX and the other one in XXXX! Then i applied for a job and they would not proceed with me because i have a bad credit. XXXX sent me a mail 2 days ago that they had to reduce my credit line because i had a delinquent credit. 

I called XXXX XXXX and they told me the account was closed in XXXX XXXX! How can an account that was closed in XXXX, be past due by XXXX and XXXX? They told me that they reported it well and that i can file for a dispute and that was how i ended up here.

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 2017-10-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I rencently XXXX my dad last year and my mortgage provider XXXX XXXX refused to help me. They sent me to select portfoilo servicing in XXXX of this year. I opened a died in lieu in XXXX XXXX of this year and they have given me the run around i keep calling them and they keep telling me the investor on my case needs to sign off on it. they keep telling me to call back i just want to sign it over to them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX, XXXX and EQUIFAX. I have reached out to customer service at XXXX, XXXX and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX EXPERIAN and XXXX. I have reached out to customer service at XXXX EXPERIAN and XXXX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX EXPERIAN - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2017-10-30 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: CT

Complaint narrative:
I have been on the matching payment plan with the XXXX XXXX XXXX company also know as XXXX XXXX and have been paying the amount of {$80.00} for over a year and they matched me in XXXX and reported me as being XXXX days late now they did the same thing on XXXX XXXX reported me as being late on experian. When in fact my account is not late I have been paying as agreed and everytime I call their customer service department you get the run around, I explain to several reps this is damaging my credit report with experian. I need this incorrect reporting to stop.

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 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal- I used a Paypal account in XXXX to buy books for college classes I was taking off of XXXX. After using the account to make the stated purchases, I discontinued using Paypal for any future purchases. The Credit Card linked to the account expired and was not renewed. XXXX XXXX, I was contacted by Paypal to discuss possible fraudulent activity on my account. Paypal representative stated a Laptop was purchased XXXX XXXX XXXX XXXX using my Paypal account from XXXX and shipped to an address in California. I was asked if I made this purchase. I stated that I did not make this purchase. Paypal recognized that my account had been dormant with no use since XXXX. They stated that this would be investigated and stated they would contact me with any further information. I was contacted a second time by Paypal stating they confirmed this was possible fraudulent activity and would cancel this attempted charge and apologized to me. I stated in both phone conversations to please ensure my Paypal account was closed so that no charges could be placed on that account. This was recognized and further communication was given to me stating that all charges would be removed and the account closed. I completed all phone conversations with them to process the charge for investigation of fraudulent activity. XXXX XXXX, XXXX I was contacted by Paypal stating that I owed charges for a purchase in XXXX of the stated laptop above. Paypal stated they attempted to contact me for dispute of the purchase, but was unable to reach me. I stated the charge and activities were inaccurate. Paypal stated they understood this, but I was still responsible for the charges. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
I was sent a notice of transferring letter that stated that my loan would be transferred from Guaranteed Rate to XXXX XXXX XXXX effective XXXX/XXXX/XXXX and that my next payment should be made to Guaranteed Rate. However, I was never given a XXXX account number. I called XXXX on XXXX/XXXX/XXXX to make the payment and they said my loan was not in their system. I called Guaranteed Rate and they said the transfer had been delayed. However, no one had informed me of this in ANY FASHION. I do n't see how this is remotely acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: PA

Complaint narrative:
I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from two different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Mail Order Firms XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXXXX/XX/XXXX - Automobile Dealers, Old This inquiry could stay on your report until XX/XX/XXXX. 

I DO NOT RECOGNIZE THESE INQUIRIES NOR DID I GIVE ANYONE ELSE PERMISSION TO REVIEW MY CREDIT REPORT ... EQUIFAX IS NOT LISTENING TO ME AND THE CREDITOR ADVISE TO DISPUTE SINCE THEY DID NOT RUN MY CREDIT BUT SOMEONE DID AND I DO N'T RECALL ANYONE ASKING OR OBTAINING MY PERMISSION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I received a bill from the IRS stating I owed them money that was reported by the XXXX XXXX XXXX XXXX XXXX XXXX for a cancellation of Debt for 2015. Several years prior to this XXXX XXXX XXXX, XXXX had contacted me and made a settlement agreement speaking for XXXX XXXX XXXX XXXX for a private student loan amount that had not been paid on. I made a payment plan with them to pay off the amount. At the end of the pay off I asked what further more needed to be done. I was told nothing that the payments had been met and nothing furthermore needed to be done. I never received a XXXX to give to my account to add to the end of the tax year 2015 for the amount of {$7100.00}. I have tried to find a number to reach out to XXXX XXXX XXXX XXXX XXXX XXXX and have no luck at finding a contact number. Had I have received this XXXX I would have taken care of this 2 years ago before it got to this point. I 'm just not sure where to go from here. I have already contacted the IRS to have them I am researching this and need more time before I pay the {$1800.00} they say I owe because of the new reported increase in my income from the cancellation of debt XXXX XXXX XXXX XXXX says I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have 4 companies on my credit report that should not be on there. I have one credit card and have never applied for a XXXX, XXXX, or XXXX card in my life. I think this is fraud but I do n't know who to contact. 

XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, FL XXXX Unpaid balance : {$70.00} XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unpaid balance {$26.00} XXXX/XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX, SD XXXX {$26.00} XXXX ACCT # -XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Unpaid balance {$130.00}

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 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have twice received denials for a Secured XXXX from CapitalOne. Both times they indicate the reason is that legal action is pending against me. In the 3 years since they first made this claim, I have yet to be aware that I am party to any litigation. The most recent letter is dated XXXX XXXX, XXXX. I sent them a letter requesting additional information and have not received a response. I am mailing another letter to the address provided in the decline letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
The mortgage company ( loandepot ) overpaid my property tax XXXX quarters in a roll for XXXX and XXXX XXXX. They made payments of {$7000.00} for each of XXXX and XXXX XXXX, but the actual amount due is only {$3500.00}. The total overpayment was about {$7000.00}, i.e. they maid double payment XXXX quarters in a row. 
Please refer to " Loan Activity.pdf '', the payments are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX Please refer to " Tax Inquiry - XXXX XXXX XXXX '', the tax due are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX I only discovered this issue around XXXX XXXX when they increased my monthly deduction claiming a shortage in the escrow account. 
I started contacting them to resolve this matter in XXXX XXXX, up until now the matter is still unresolved. The supervisor assigned to my case was extremely unresponsive and difficult to get hold of. I made multiple attempts to contact him only to be forwarded to a line that does not get answered. On multiple occasion, I was promised a callback but it never happen.

Company response to consumer: Closed with explanation