vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 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: GREAT LAKES
State: MD

Complaint narrative:
On XX/XX/XXXX, i received a letter from Greatlakes student loan servicing company that my loan is due for payment. I never took any student loan and i have been out of college since XXXX. I know my son had told me in XXXX he want to go to college and since he was a minor the application need to be sign by an adult. He never mentioned student loan. I had asked the young lady who had called my on the phone that i need to reach him and find out. He is was lured by this private college in New York with promises of free scholarship which never happen. He was stress out with the school registering him for classes he never have any interest in and he was frustrated and dropped out. We have searched for him in the last 3 years and no information about him. Whether he alive or dead we don't know. My problem is how is it that a kid who never finished a semester his father is told he owe {$40000.00} and i never signed a student loan. I will never sign for anyone not even myself to go to a private school in XXXX New York? The most expensive place in the world. I worked as a XXXX XXXX for the XXXX XXXX XXXX I am recovery from a XXXX XXXX XXXX. The New School deceived and fraudulently induced my son into all this issues. It's bad enough i have lost my only child and been asked to pay money i never sign for is injustice of the highest order. Please help me, i can not afford an attorney with my small salaries that i spend more than 25 % on medicine to stay alive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018on my RV loan which is incorrect ( to all 3 credit agencies ). I my  payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.

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 2018-11-21 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.

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 2018-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I sent a letter of validation to Amcol Systems Collection Agency. 

On XX/XX/2018, Amcol Systems returned to me a document that shows an account with my name on it and an address in which I have never resided at. I requested that they send me a signed contract or a hospital registration with my signature from the original creditor. They have not provided me with any proof that this debt belongs to me. 

On XX/XX/2018, I sent a letter of removal demand. This item has not been removed from my credit file and is still being reported even during the entire dispute process. 

On XX/XX/2018, I sent a 2nd request of removal letter. Request is still being ignored. 

Please see attached : Due to website issues, I am unable to successfully upload my supporting documents at this time. Please contact me with an alternative method. ( fax number or email address )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This communique is in regards to my Wells Fargo account. During the weekend, I paid XXXX and XXXX approximately for 2 college transcripts. It was deducted from my account. On Monday, Wells Fargo added about {$19.00} to my account. In other words, they reversed these transactions without my permission. Note I never went to either website and cancelled my orders. 

Then, the next day they deducted it again making me to believe I had a different balance than what I did. Since that time, they have removed the reversal from my account screen so I can't see it. This action is some type of scam. 

I received some type of email that my account went into overdraft, and it should not have. Wells Fargo allegedly moved {$25.00}. I moved {$22.00}. 

Somehow, my account ended up in the negative, and it should not have. I didn't make large purchases. Only small purchases from XXXX XXXX and XXXX. I checked my account numerous times to avoid overspending. 

They are the cause of my account going 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 2018-11-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My mortgage was never late. 

From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX   fraudulently reported my mortgage late to cover up the crimes committed against me knowing that my XXXX was unlawfully taken and I was barred from Co-op Building since XX/XX/XXXXXXXX XXXX unit was illegally sold on XX/XX/XXXX, and I was arrested by XXXX XXXX XXXX  Police on XX/XX/XXXX, for being in my XXXX Lobby as a Defiant Trespasser. 

XXXX XXXX LIED THAT XXXX XXXX XXXX UNIT WAS FORECLOSED ON TO SENATOR XXXX XXXX ON XX/XX/XXXX XXXX XXXX    XXXX FRAUDENTLY CLAIMED XXXX XXXX PAID OFF MORTGAGE IN XXXX FOR XXXX UNIT UNLAWFULLY TAKEN IN XX/XX/XXXX AND SOLD ON XX/XX/XXXX NO FORECLOSED JUDGMENT OR WARRANT EXISTS AGAINST ME. 
On XX/XX/XXXX, XXXX XXXX broke into my XXXX   unit, changed the lock, barred me from entering XXXX   Building, kept my belongings, and made me homeless on XX/XX/XXXX, without a warrant, judgment or foreclosure. My mortgage was current. 
In XX/XX/XXXX, XXXX violated foreclosure laws by filing a claim on lawsuit which it was not a party of for XXXX   mortgage. Two ( 2 ) NJ Superior Court Judges XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, ( attachment ) denied XXXX XXXX   XXXX request for {$100000.00} proceeds in Superior Court Trust Fund from illegal private sale of my unlawfully taken XXXX unit on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Legal Dept. emailed to Senator XXXX XXXX 's office that my complaint was about wrongful foreclosure. 
On XX/XX/XXXX, XXXX XXXX pulled her IRS transcript for XXXX. XXXX filed XXXX XXXX Mortgage interest fraudulently claiming that XXXX XXXX paid {$23000.00} in mortgage interest for her XXXX   unit at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX New York, XXXX On Monday, XX/XX/XXXX, we called the Office of the Superior Court Clerk, Foreclosure Processing Services in XXXX, New Jersey at XXXX and was told no foreclosure ( F ) file for XXXX XXXX or paperwork. 
However, there was a closed Landlord/Tenant ( L ) file for XXXX XXXX which {$100000.00} were sent to the mortgage company** without paperwork. She did not understand how my mortgage was paid off, claiming there should have been foreclosure folder with a ( F ) file, and not ( L ) Landlord Tenant. She questioned if XXXX XXXX sold her unit. 

She referred us to XXXX County Sheriffs Office at (  XXXX ) XXXX, extension XXXX ( foreclosures ) to see if XXXX has a on file for XXXX XXXX On Monday, XX/XX/XXXX, we called XXXX Sheriff Office who stated that it did not have paperwork on stated no information on file for me. 

** The Superior Court Trust Fund gave without foreclosure documents to XXXX XXXX XXXXXXXX on or about XX/XX/XXXX, to pay off my mortgage and complete crime against me. 
No valid underlying case, no foreclosed judgment, no warrant of possession or removal, no foreclosure, no Sheriffs sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: NC

Complaint narrative:
What should be one 30 day late payment is showing as " in collections '' on my Equifax report. I have already talked with Equifax and XXXX about this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On or around XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX with XXXX. Most of the paperwork was already in order and all I needed to do was sign, which I did. The payments were {$520.00} for I believe 72 months, which I agreed to pay. Six or seven months after purchasing the vehicle I noticed that the finance company, XXXX XXXX, was reporting negative remarks to the credit bureaus stating that payments were late. I contacted XXXX and I was told that it was an error and that it'll be corrected. XXXX XXXX never corrected the negative payment history that was being reported. Two and a half years of paying $ XXXX a month, XXXX XXXX   decided to report my account as a charge off even though all payments were paid and up to date. XXXX XXXX has reported that I haven't made any payments on {$20000.00} loan. That information is false and I have every receipt for each payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
What should be one 30 day late payment is showing as " in collections '' on my XXXX  report. I have already talked with XXXX  and XXXX about this discrepancy.

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 2018-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Hello, I have 14 different student loans that are showing 90 days late on XXXX, XXXX. This information is not correct. My student loans have always been deferred, forebearance or on an income based repayment plan. I have made all required payments, on time. I have submitted all necessary paper work, when they ask, however they ask for it. But they still have not updated my credit reports to show accurately. I believe this is some sort of agent error. Of which they are commonly known for ( example : I filed for a deferment recently, and it was DENIED because according to them, I have loans disbursed before XXXX, which is impossible because I was only XXXX years old in XXXX. *this issue has been handled. Just using it as an example of THEIR error ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: IN

Complaint narrative:
There is an account on my credit report that does not belong to me. I have contacted Experian and the company that is reporting the incorrect information asking for validation. Both companies have failed to validate the account. According to the FCRA an unverifiable account has to be corrected/removed within 30 days. Experian 's response to me via mail were to contact the creditor which I have done on several occasions. I sent proof to experian which included the letters sent to the creditor and the return signature postal receipt signed by someone at the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: CT

Complaint narrative:
XXXX XXXX  XXXX points stolen and used at XXXX XXXX XX/XX/18. 
Email account hacked and shutdown with XXXX ( date unknown ). 
XXXX account hacked and shutdown ( date unknown ) Applied for credit card with XXXX XXXX and approved up to {$4200.00} ( XX/XX/18 ). 
Applied for XXXX XXXX account to purchase 3 XXXX XXXX  XXXX XXXX  contacted me and stopped order ( XX/XX/18 ). 
Concerned someone has my Social Security information.

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 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft and my personal information was stolen and a credit card account was opened with Bank of America. I did not benefit financially or otherwise from this account and I filed a Police report with my local law enforcement agency along with also filing a report with the FTC outlining the details of this incident. I also mailed in a notarized theft affidavit affirming under penalty of perjury that the information filed is true and correct. Bank of America has still continued to report this account and is illegally attempting to collect a debt from me that i do not owe. 
This is in gross violation of good banking practices and federal law. This has caused me to be denied housing and also employment opportunities, and the bank is willing to use this as leverage to force me to repay a {$10000.00} debt that I do not owe.

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 2018-11-21 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: CA

Complaint narrative:
Reporting wrong info for some time now. I have submitted supporting docs showing has has {$0.00} and closed and now as of today, XX/XX/2018 they are still reporting a balance. Again, i have proven to them that the account has been taken care of and they refuse to update correctly on 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 2018-11-21 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: CA

Complaint narrative:
Reporting wrong info for some time now. I have submitted supporting docs showing has has {$0.00} and closed and now as of today, XX/XX/2018 they are still reporting a balance. Again, i have proven to them that the account has been taken care of and they refuse to update correctly on 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 2018-11-21 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: MI

Complaint narrative:
I had an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XX/XX/XXXX. I defaulted in XX/XX/XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact.

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX.

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX.

I submitted complaints regarding these illegal consumer reports to Experian, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. Experian and XXXX failed to resolve the issue. When I contacted Experian and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The Experian phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint.

When speaking with Experian and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it.

There have now been three mock investigations performed by Experian and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.

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 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I do not have any credit cards with this company, they are calling 4-6 times a day from numerous phone numbers in XXXX, KY ( XXXX is one of the numbers. I have told them several times to remove the phone number from whoever 's account it is but they continue to call, they tell me they have removed it and the start calling back the following week. This number needs to be removed FOR GOOD and no further calls should be coming to this number XXXX.

Company response to consumer: Closed with explanation