vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this Account on this XXXX XXXX XXXX   XXXX for months.XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, 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 2018-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
I applied was was offered four jobs. After getting my check back they declined to hire me. How amnI supposed to live when I cant get hired because of someone elses actions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this Account XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, 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 2018-10-21 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:
Experian XXXX and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. Experian and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX  REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 Experian XXXX and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. Experian XXXX and XXXX has NOT sent requested information provided to their companies by XXXX XXXX  that they use to continue verifying my CR.

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 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Student loans XX/XX/2008 3 acount Reporting on all three credit companies This account was payed and close please remove from credit companies Its to old

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
After losing my job in XXXX of this year, I was struggling to pay all my bills to include my car note. I was four payments behind, but on Wednesday, XX/XX/2018, the company received two car payments and a fee for an extension. I was informed by the company that the extension would allow two of the delinquent payments to be posted to the end of the loan. 

My car was repossessed on Saturday, XX/XX/2018, due to me not receiving the extension that was promised. 

I immediately contacted the company and was told that if I wanted the car returned, I would need to payoff the car loan in the amount of more than {$15000.00}. I asked for a manager and complained about paying monies for an extension that was not honored. 

I was then given the opportunity to pay {$2000.00}, to get the car back. 

The company is XXXX XXXX and the supervisors names are XXXX XXXX and XXXX XXXX. The phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have contacted the company several times trying to figured out exactly what this matter is and but before they would give me any information they want me to give them my full social security number over the phone which I am not comfortable with doing. There are two accounts listed with this company and they wont do anything but tell me I have to pay or the next step is court. Ive disputed these two accounts with all three credit bureaus however it remained on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, 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 2018-10-21 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: SC

Complaint narrative:
XXXX XXXX and Transunion continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX XXXX and Transunion continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX XXXX and Transunion has NOT sent requested information provided to their companies by XXXXXXXX XXXX that they use to continue verifying my CR.

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 2018-10-21 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: SC

Complaint narrative:
XXXX Equifax and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and Equifax updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXXXXXX XXXX   CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX   Equifax and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX Equifax and XXXX has NOT sent requested information provided to their companies by XXXX XXXX that they use to continue verifying my CR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, 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 2018-10-21 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX credit card Old account from XXXX XXXX XXXX XXXX They are all close pay off Please remove from report companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Manhattan Beach Venture, LLC
State: FL

Complaint narrative:
XXXX University They are holding my degree Because they said I own the school {$5000.00} Has per by student loans And the Department of Education my loans are all being discharged Borrow defense discharge loan Plus I dont own the school The school is being discharged all students loans who attend XXXX Because base on misleading students On education process

Company response to consumer: Untimely response
Consumer complaint received 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, 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 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, 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 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this collection XXXX XXXX XXXX XXXX  for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this collection XXXX XXXX XXXX XXXX  for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, 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 2018-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I had a loan with a monthly payment of {$86.00} a month on the XXXX if each month. On XX/XX/XXXX I made a payment of {$480.00} and my regular loan payment for that month. The {$480.00} payment was entered as an adjustment and not a payment and no interest was taken off even though I paid almost 6 extra payments. When I called to inquire about why no interest was credited I was told that I paid all of the interest in the beginning of the loan. I paid the loan off a year early but was on credited about {$80.00} in interest when I paid {$280.00} this week. I was told there was no penalty to pay it off early but I paid the entire loan plus all interest but {$80.00}. I have enclosed copy of check sent to make payment and my monthly statement showing it was posted as an adjustment not a check payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this collection XXXX XXXX XXXX XXXX  for months.XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, 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 2018-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX paid out a {$500.00} transfer that my bank returned ( and charged me return fees on ) without my knowledge, consent, or any indication in their terms of service that they would be doing any such things. I paid the recipient cash since after and thought the matter done, but XXXX  just took a {$310.00} payment 2 years later, claiming that I owe them {$500.00}.

I never applied for credit, was informed of a balance, or consented to it. Furthermore, prior to receiving the payment, I checked my account and it showed a {$0.00} balance, not $ -XXXX  and my account was not frozen or labeled as having any problems with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: GA

Complaint narrative:
My student loans are in ferbearance which I understand is navients money making way out to help clients. I understand there is/was a large lawsuit against navient 2017 regardig these exact problems. The forbearance ended in XX/XX/XXXX. I had no notification in any form that this was happening. Therefore ended up getting hit with a 90 days past due on my credit. I then called immediately and brought account up to date. However, it was reported on 89 days it was not 90 days. Navients policy is 90 days. It should have been reported in XX/XX/XXXX and it was reported for sept. It was up to date as of XX/XX/XXXX.

Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I have noticed a large number of Misapplication Reversal entries on my mortgage records resulting in my principal balance increasing {$1100.00}.

I contacted Roundpoint several times to provide a full accounting and written explanation of why the Misapplication Reversal entries were made, where did the funds go, and why did the principal balance increase after the adjustment.

To date I have received no response. I am concerned, due to researching similar complaints, that Roundpoint Mortgage is mishandeling Escrow funds and/or mortgage P & I funds.

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 2018-10-21 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: TX

Complaint narrative:
On XX/XX/2018 I sent a question to Navient via their website and have received nothing back in regards to it apart from a automated email saying they would get back to me shortly. In light of this I sent another email on XX/XX/XXXX, and again got an automated reply but no answer. I'm attempting to learn how I can make sure that payments I make are made toward the principal sum of the loan rather than accrued interest ; this information is time sensitive for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I try to resolve this problem with XXXX XXXX.They report a account under my name and my SSN with lot of mistakes.They said that they purchased this debt from a third party company like this on 2015 from XXXX XXXX XXXX XXXX.I was scared to death from operators after my call when they find my nr. They call me with different numbers mostly XXXX  XXXX numbers ( when you call back it said this nr is disconnected ) .They tell me don't move from house that sheriff department is on there way.I cant take this harassment any more.I attach the prove of errors listing to my credit bureaus file.The original creditor XXXX XXXX XXXX  was deleted from credit files because they not find prove to connect im the owner of this account.They are lot of complains against this company that they list credit files with lot of errors and harassing people to force pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I had enrolled in paperless statements and had been receiving statements via email up to and including XX/XX/2018. Did not receive any statements for XX/XX/XXXX or XX/XX/XXXX,  thereby incurring late fees. Synchrony wrote off XX/XX/XXXX 's late fees, but not XX/XX/XXXX even though I complained to them that I was not receiving their emails. I totally believe that Synchrony is doing this intentionally to collect late fee monies.

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 monetary relief