vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
Hello. I have been contacted by national enterprise System XXXX XXXX XXXX XXXX XXXX ... About XXXX private loans. One for the amount of XXXX and another one for {$5200.00}. I never agree to have private loans. I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX in XXXX XXXX.When I enrolled to this school I was informed that the school was accredited and that I could transfer my credit to other school. they said they will help with me with my job search. I remember specifically telling My recruiter XXXX that I only wanted federal loans.I never agree to have private loans and somehow they manage to include it for me. When I attended to this school I enrolled hoping that i will eventually become a professional and have a career out if this school. When i graduated and started looking for jobs I always was rejected by potential employers. I knocked so many doors but no one ever gave me an opportunity. I turned to XXXX for help and they were giving me jobs that didnt even had to do anything with what i had studied. Then i decide to continue my XXXX at another school and learnt the credit were not valid and transferable i have not been able to attend school due that i have to much debt and cant afford to continue. Currently iam not working in my field and i struggle everyday to support my family. I need help. This debt is really drowning me making me not want to live anymore. I need to dispute the validation of this debt. How can i do about that?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: FL

Complaint narrative:
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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:
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: FL

Complaint narrative:
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The Chexsystem. It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
On   XXXX    XXXX , 2017 I paid my conns account in full on the phone with a customer service rep in the amount of  XXXX . This company has yet to close my account and this has caused several negative marks to be placed on my credit report. I 've been in contact with conns everyday asking them to close my account and to remove the credit markers. They 're offline department has admitted fault and told me my payment was not applied to my account because of the rep error. Customer service has yet to close my account and they keep telling me the account is processing for closure and it could take 3 billing cycles. Mean while I incur more negative credit markers. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: Lending Club Corp
State: TX

Complaint narrative:
On XX/XX/XXXX  I disputed an account on my credit report. I aso requested a verification with my signature from the reportig company. After 30 days the account was not marked as disputed, and tey had not provided me with sufficient verification of the account. A statement is not proof, as has been shown several times. On XX/XX/XXXX  I notify them that the verification of the account is not sufficient. On XX/XX/XXXX I notify them of the failure to mark my account as disputed and the breach of FCRA. The company still has n't marked the account as disputed, instead they closed it and reported derogatory statuses on my report. This is completely unacceptable to treat consumers in this way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
609 Letters were sent to each Credit Bureau concerning third Party accounts ( Diversified Consultants , Inc. and   XXXX   XXXX   XXXX   ) that I have no account or contract with for removal of unlawful open/negative accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: TN

Complaint narrative:
On  XX/XX/XXXX   XXXX   XXXX   XXXX   gave U S Bank Mortgage the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under   XXXX   XXXX   from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in   XXXX   when my loan was transferred to US Bank Mortgage. I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were  transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX    & my payments were payroll deducted. My employer ein # is  XXXX . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in   XXXX   and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  .  XXXX  XXXX  interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
There is no contract or account with collector.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On  XXXX / XXXX /2017 I received A check From A   XXXX   XXXX   Job I Applied For Off Offline, With The Check Was Specific instructions Too Deposit The Check Into My Account & Proceed To   XXXX   XXXX    To Complete The Assignment My Pay Was   XXXX   Dollars & With The Rest I was Suppose To Complete A   XXXX   XXXX   Assignment On The Company   XXXX   XXXX   ... I called Capital One After I deposited It, To Check On it & I was Told My Account Would Be Closed Because The Check was a scam I Pleaded My Case I honestly Thought It was A Legit   XXXX   XXXX   Job I had No Idea The Check Came  XXXX  Priority I 'm So Afraid I Didnt Know The Check or company Was part of a Scam I never Would Have deposited It Into My Account I Never Gave The Company Any Of My Bank Account Information I only Applied With My basic Info Which I explained That To The Agent From Capital One I was Talked To Very Rude & Treated Like A Criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On  XX/XX/XXXX    XXXX   XXXX   XXXX   gave   XXXX   XXXX   XXXX   XXXX   the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under wage earner from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in  XXXX  when my loan was transferred to   XXXX   XXXX   XXXX  . I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX   & my payments were payroll deducted. My employer ein # is   XXXX  . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in  XXXX  and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  . 1098-mortgage interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I appreciate someone investigating and providing details last time around from Amex. Seems like they do have all the information that is required. Hope they do have information that are not necessarily only in company 's favor. Calls should have information required to prove calls & assurance from customer service team.
<P/>
Important point which was n't addressed in previous reply was if you 're not eligible, why they kept pushing for the offer, that too while booking on   XXXX    website too. It is unfair to have users read terms during the time of ticket booking! I would like complete facts to be investigated to confirm that mails were sent with Amex offers. When customer is not eligible, why send those ( I am sure if they can keep records for 4-6+ years, while marketing it is n't difficult to NOT target those customers ). Is n't this bad business practice?
<P/>
I ended up paying extra to use credit card for meeting the stringent $   XXXX   requirement. Amex had opportunity to inform immediately after approval also to notify of non-eligibility or during the calls that followed ( once again I would like to point out that calls seem to have been recorded without consent, but hopefully that can be used to confirm assurance of the offer once I met $  XXXX k requirement ). You can also confirm that each time I was told " by mistake case has been closed, but will be taken care in a week or so ''.
<P/>
Finally after months I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was 'read terms & conditions ', all other assurances were just sales gimmick. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: TX

Complaint narrative:
A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed by from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from 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 2017-07-16 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Identity Theft account opened under my name with Portfolio Recovery. I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for Portfolio Recovery,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors   XXXX   1. Portfolio Recovery   XXXX    accounts 2.   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.    XXXX   XXXX    XXXX  1 .   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4. Portfolio Recovery  XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was made aware of not  XXXX , but  XXXX  (   XXXX     XXXX   and again in early   XXXX   deleted EVERYONE 'S TransUnion Inquiries ) and in  XX/XX/XXXX    XXXX   ) computer glitches that was TransUnion 's and   XXXX   XXXX   problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accur ate    XXXX   XXXX   XXXX    and Score, it said. Because of this, some people may notice some information on their   XXXX   XXXX   XXXX   that they didnt see before..TransUnion and  XXXX  later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by TransUnion and  XXXX . Please, help me to make TransUnion and  XXXX  stop victimizing me. I ask that a resolution of all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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