vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I sent the following email to my loan servicer Navient. I just found out about alleged money old, so I don't have all documentation yet. The problem that I'm having is that I typically did all my correspondence online, payments, etc. I have no hard copy documentation of corresepondence, only what the navient website itself is reporting. The email reads as follows ( date sent XX/XX/XXXX ) : While inquiring on a loan from XXXX XXXX I discovered that there is an alleged unpaid loan serviced through navient that has been sitting there collecting interests for years. The loan is from XXXX. I had originally enrolled in an automatic payment program that drafted my account every month for this loan. I thought that the loan was paid off. I haven't received a bill or letter or any compliance from the Navient company since XXXX. I spoke to a Navient representative on the phone after my recent discovery of this unpaid loan. She stated that the loan was automatically put into deferment. I informed her that I never requested a deferment nor was I informed of any deferment on this loan. I started XXXX XXXX in XXXX and she stated that the loan must've automatically went into deferment. This information was never provided nor sent to me in any type a letter, email, bird, nothing. I used my credentials to log into this account ( after speaking to the service representative 2 weeks ago ). Low and behold, I find false documentation of alleged correspondence that was said to be mailed to my home -- dating back to XX/XX/XXXX. These documents were NEVER mailed nor emailed to me as falsely documented online. I need to speak with a supervisor or manager on this matter. I do not feel I should be held responsible for a loan that was secretly put into deferment for years to collect interest unbeknownst to me. I feel this was a ploy to gain interest and money and the expense of hard working students. The loan is now at a balance that is more than the original amount borrowed. Someone needs to contact me asap!. I can be reached by phone at ( XXXX ) XXXX or email at XXXX. Also, please send paper copy account audit info to my address below. 

XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/2018 with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX on XX/XX/2018 for  the account, stating that the account does not belong to me. The account has not been removed 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 2018-06-03 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX  that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX onXX/XX/XXXX for  the account, stating that the account does not belong to me. The account has not been removed 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 non-monetary relief
Consumer complaint received 2018-06-03 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: OH

Complaint narrative:
TransUnion Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX   XX/XX/XXXX 6 ) XXXX/XXXX   XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX   XX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XX/XX/XXXX XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX/XXXX XX/XX/XXXX 5 ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXX/XXXX   XX/XX/XXXX 7 ) XXXX XXXX   XX/XX/XXXX 8 ) XXXX XXXX   XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX XXXX   Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX   XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX/XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX/XXXX XX/XX/XXXX 8 ) XXXX   XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.

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 2018-06-03 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: OH

Complaint narrative:
XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX  XXXX XXXX XX/XX/XXXX 11 ) XXXX XX/XX/XXXX XXXX  Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 ) CXXXX XX/XX/XXXX 5 ) XXXX  XX/XX/XXXX 6 ) XXXX XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX, XXXX. XX/XX/XXXX 11 ) XXXXXXXX XXXX XXXX   XX/XX/XXXX Experian Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX  XX/XX/XXXX 6 )  XXXX XXXX  XX/XX/XXXX 7 ) XXXX  XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.

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 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
XXXX XXXX is sending/ selling a debt that I do not owe. This collection company did not contact me before placing this debt on my credit reports. I have proof that I do not owe this debt since XXXX XXXX sent me a refund check in the amount of {$93.00} to my current address. This collection company failed the process this attempt to retrieve this debt without notifying me and the collection agency can not say it did not have my current info if the company they purchased the assumed " debt '' had my current address and sent a refund check in the amount listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX Assignee of XXXX XXXX send a letter on XX/XX/XXXX to me and my employer. The letter said they want to collect the amount of {$2900.00} from my salary. The credit card with this bank was close in XX/XX/XXXX. I believe this is an unfair action and I am very disappoint because I never receive any letter prior from XXXX or the court letting know about any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: PA

Complaint narrative:
Experian and XXXX show in my credit report that a XXXX revolving credit card account is Open. That is wrong. The account is CLOSED. I have complained about this several times.

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 2018-06-03 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: PA

Complaint narrative:
XXXX and Equifax show in my credit report that a XXXX revolving credit card account is Open. That is wrong. The account is CLOSED. I have complained about this several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2017, I verbally authorized a telephone payment of {$630.00} to WELLS FARGO DEALER SERVICES. They withdrew {$930.00} - I did NOT authorize this payment. I have reached out numerous times to them to determine how this could have happened. To date, wells fargo has not responded..

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 2018-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
On XX/XX/2017 I underwent an XXXX and XXXX at XXXX XXXX Medical Center in XXXX, TN. I have XXXX health insurance so I made sure to go to an " In Network '' hospital to keep my out-of-pocket costs low. Prior to the procedure occurring, I called the XXXX department at the hospital to ensure that the copay I was providing ( {$100.00} ) would be my total out of pocket cost. My health insurance paid {$2800.00}, while I paid my copay the day of the procedure. I was told that this would be the total cost to me. 

I was very surprised to see a bill from " XXXX XXXX '' who is out of network with XXXX. I thought it was a mistake. The XXXX fee was balance billed to me as XXXX does not cover " out of network '' costs, even though the facility I picked was " in network. '' I attempted to contact XXXX XXXX to discuss the bill. They directed me to contact XXXX XXXX Medical Center, who said to contact XXXX XXXX. I also contacted XXXX, who merely said they don't cover out of Network claims. None of the 3 parties were able to help explain. I received an unrelated XXXX XXXX in the past year at a different facility, and there was no surprise bill as the XXXX/facility were " In Network. '' Recently, I had 2 derogatory marks show up on my credit report for this one hour medical visit. XXXX XXXX had sent my single account to " XXXX XXXX XXXX XXXX XXXX '' as 2 different accounts.

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 2018-06-03 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: PA

Complaint narrative:
Equifax incorrectly shows a XXXX XXXX XXXX revolving credit card account as OPEN. It is CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told Wells Fargo time and time again that someone used my information to apply for a student loan with Wells Fargo and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my XXXX XXXX XXXX Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact Wells Fargo they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  Wells Fargo is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and Wells Fargo seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask Wells Fargo to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against Wells Fargo if I am refused a response.

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 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kirk Law Group PLLC dba Kirk Law
State: NM

Complaint narrative:
I was renting an apartment, and I missed the last payment to complete the 12 year contract. This was in XXXX XXXX, and I now live in XXXX, XXXX. I received this letter from a debt collector, which is triple my final rent payment, plus attorneys fees. This debt is from XX/XX/2011. Also wanted to mention, I was harassed by the management, due to my upstairs neighbor who called the police on me every night saying I was being loud in my home. Most times they showed up I was not even there. This lady didnt like young people living under her, and was trying to get me kicked out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Have contact both party 's involved numerous times still no resolution. The problem is that it's a medical bill that was discharged in bankruptcy in XX/XX/2014. Appears on my XXXX credit report as in collections with Common wealth Financial ( XXXX XXXX ) Head supervisor XXXX extension XXXX. It has been dismissed through Common Wealth Financial I  currently have no open accounts with them. Bankruptcy was final in XX/XX/2014. XXXX will not remove it off of my credit report I have contacted them give them the number of the XXXX person in charge at Commonwealth where the he said he would talk to them personally and have them remove it they would not contact him. I've been dealing with this for two months now on my credit report I have called a gazillion times I have documentation of every time I have contacted both. The account is in the amount of {$250.00}. Bankruptcy was closed XX/XX/2014 I've given them both parties all the documentation Commonwealth has no open accounts. Supervisor that I contacted from XXXX was XXXX who would not take care of it he said it was out of his hands. At this point I have no idea what else to do where else to turn. Hopefully I can get some satisfaction through you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, someone in XXXX, IL tried to make a purchase at a XXXX station using my credit card information. ( See XXXX ). 

On XX/XX/XXXX, Citi sent me FRAUD ALERT E-Mail ( XXXX ) recognizing it as a suspicious activity and DECLINNED PAYMENT. I immediately called them and confirmed that I made no such transaction. 

In the interim. I have made multiple phone calls attempting to remove such charge from my account, but despite promises by Citi Reps every time, it is still there. 

I even cancelled my account wit them! 

So now, to add insult to injury, they tacked on a {$30.00} LATE FEE? ( 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 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I filed a dispute of a charge by XXXX XXXX. On XX/XX/XXXX, I had purchased two XXXX XXXX shoes and a vintage coat for a total of {$490.00} using paypal credit. When I received the first pair of shoes, as all items shipped separately, they were obvious fakes, so I returned them on XX/XX/XXXX, out of pocket and return receipt requested because the company states they do not accept returns. The company continued to try to ship both shoes to me and I refused all following deliveries with XXXX from the company. I received notice from the company that the coat was no longer available, and they would refund me for this item. 

I have sent paypal a copy of the receipt from the post office. I've tried to forward the emails from the company about the coat, and confirmation that the shoes could not be delivered, but paypal does not accept .doc files. I tried copy and pasting all this info into their message center, but their message center does not work properly. I have contacted paypal numerous times about this issue. On XX/XX/XXXX, paypal closed my case, stating they had decided in the vendors favor. 

I appealed the case the same day, talked to a XXXX from the resolution center, who helped me upload the receipt for the return again. Paypal is aware that I have none of the items purchased in my possession. I've just on XX/XX/XXXX received notice from the by email that they have closed my case again, per my instructions. I have never instructed them to close the case.

Paypal has stone walled me at every point about this dispute and it is clear that contacting them again will be fruitless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-03 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: Early Warning Services, LLC
State: FL

Complaint narrative:
This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told XXXX XXXX time and time again that someone used my information to apply for a student loan with XXXX XXXX and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my Early Warnings Services Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact XXXX XXXX they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  XXXX XXXX is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and XXXX XXXX seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask XXXX XXXX to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against XXXX XXXX if I am refused a response.

Company response to consumer: Closed with explanation