vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This started as a XXXX dollar loan from Sallie mae to attend school at XXXX XXXX University. The school claimed they were accredited but at that time they were not. I did not attend one day of class and asked to withdraw. I was told I would automatically be withdrawn because I didn't not attend class. Sallie mae continued this loan and placed a high interest rate to bring it up to XXXX dollars from a XXXX dollar original loan. I have called the school and they claim they have no info and navient is contacting me with rude reps. This is horrible I can not pay for something I never got and I am tired of navient contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: WA

Complaint narrative:
Ive reached to experian NUMEROUS times, Ive disputed theses items on my credit report numerous times and they still have failed to provide proof that these items are mine. XXXX was unable to verify these items so they have been deleted from my credit file. Im very curious to know how Experian was able to verify these items but XXXX  wasnt, Im demanding they provide proof, I would LOVE to see it.

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 2020-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: WA

Complaint narrative:
Took out a second loan approx XX/XX/XXXX from XXXX at the time and now is under One Main Finance Account Number XXXX. 

I went to pay this loan off on XX/XX/XXXX in the amount of XXXX via an electronic payment that was accepted. on XX/XX/XXXX it showed I still owed XXXX that was then paid via electronic payment. on XX/XX/XXXX it showed I owed XXXX which I made another payment of XXXX dollars since I had deferred interest on the loan in the amount of XXXX which was payed via a phone payment on XX/XX/XXXX and taken out of my account on XX/XX/XXXX. 

As of XX/XX/XXXX they showed me owning XXXX which I paid again, and this morning it shows I still owe XXXX. 

They do not seem to be able to find the payment of XXXX ( page 2 of bank statement ) that was made and state there is a problem and they are looking into it as of this morning after talking with them. This is also what they said yesterday on XX/XX/XXXX. 

Note that this payment did show up on my account when I looked on XX/XX/XXXX and now has disappeared. 

According to my calculations they owe me the XXXX dollars that I paid on and should not owe the XXXX cents that currently show me owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called XXXX and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to XXXX  and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: FL

Complaint narrative:
I called XXXX  and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to XXXX  and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 Thank you in advance

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 2020-03-19 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$11000.00} DPT ED/XXXX XXXX {$4000.00} DPT ED/XXXX XXXX {$6300.00} DPT ED/XXXX XXXX {$4900.00} DPT ED/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX   XXXX {$810.00} XXXX   XXXX {$1200.00} XXXX XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$2700.00} XXXX/XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: FL

Complaint narrative:
I have a few student loans that report to all three bureaus but most of them are over 8 years since they were last reported. The last reported date is incorrect and I've asked for it to be fixed. Knowing that these accounts are more then 7 years old these accounts should be removed from each of the credit bureaus. I've contacted them and have had no response in 60 days. This hurts me and I hope this is the last time I have to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: FL

Complaint narrative:
I have a few student loans that report to all three bureaus but most of them are over 8 years since they were last reported. The last reported date is incorrect and I've asked for it to be fixed. Knowing that these accounts are more then 7 years old these accounts should be removed from each of the credit bureaus. I've contacted them and have had no response in 60 days. This hurts me and I hope this is the last time I have to address this.

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 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # 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 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # 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 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.

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 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.

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 2020-03-19 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: WA

Complaint narrative:
Ive reached to XXXX NUMEROUS times, Ive disputed theses items on my credit report numerous times and they still have failed to provide proof that these items are mine. XXXX  was unable to verify these items so they have been deleted from my credit file. Im very curious to know how XXXX  was able to verify these items but XXXX  wasnt, Im demanding they provide proof, I would LOVE to see it.

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 2020-03-19 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: NV

Complaint narrative:
I notice multiple accounts reporting on my credit profile that I never opened nor authorized

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 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: NV

Complaint narrative:
I notice multiple accounts reporting on my credit profile that I never opened nor authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: NV

Complaint narrative:
I notice multiple accounts reporting on my credit profile that I never opened nor authorized

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 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Our credit card expires in XX/XX/2020. We called before the end of the month inquiring about replacements. Was told some was being sent. 2nd follow up call yielded no further information and the 3rd call said our account restriction and no reasons given. We have paid on time to Capital One monthly. Full explanation of reason is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: AFNI INC.
State: UT

Complaint narrative:
AFNI, INC is reporting a debt on my credit file that has been paid years ago. I am not sure why Afni is  recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had a credit card with XXXX XXXX originally and it was dismissed due to unauthorized transactions on the cards for which I did not make. XXXX XXXX admitted that they found fraudulent transactions on the cards and said that I no longer was responsible for the balances. In 2018, Portfolio Recovery started a campaign against to collect these debts despite XXXX XXXX decisions to not collect these charges from me. I filed an identity theft report with the FTC and listed these cards as a part of that report and told Portfolio Recovery about that and stop calling me. Portfolio Recovery not only continued to call me but used some very brutal tactics to try and collect these debts that had been settled. They continued to call me from many different numbers and from different area codes from spoofed numbers to try and collect these debts thats not mine. At the same time, I started receiving barrages of many spoofed calls and harassments from many other numbers trying to collect on these debts. I feel that Portfolio Recovery employed these tactics to sell my information to other parties to aide them into harassing me into paying debts I do no owe. I reported this to all credit bureaus and all deleted Portfolio Recovery except for XXXX  from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 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: CA

Complaint narrative:
This account appeared on my credit file and it does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I recieved a letter from FCS Collection Services in regards to a debt saying I owed XXXX $ to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX myself by phone call on XX/XX/XXXX. I spoke to a XXXX. She confirmed by phone that the equipment I am being charged for was indeed returned and checked in on XX/XX/XXXX. She went on to say that they found after the fact 6 months later that the router I returned was damaged. Therefore they turned me over to collections without even contacting us by mail or phone call first. 
I explained when I returned the equipment in person at the office in XXXX XXXX, TX that it was checked in and I was told our bill was cleared. 
In fact in XXXX we received a check back from XXXX XXXX XXXX for over payment. 
XXXX also did discuss this debt with myself and my wife without giving us a mini miranda and she did confirm phone call was recorded without any knowledge. 
She did also confirm that the equipment does travel from their office from XXXX XXXX to XXXX which is around 15 miles. We have no clue what happened to the equipment once it left our possession. It was checked in bill was cleared we even received money back and have not heard from XXXX XXXX XXXX since. XXXX did also confirm on phone that they just pushed it straight to collections without trying to bill us or contact us first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT EDXXXX XXXX {$11000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$6300.00} DPT EDXXXX XXXX {$4900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX XXXX {$1900.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX  XXXX {$810.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$2700.00} XXXX/XXXX  XXXX {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$11000.00} DPT ED/XXXX XXXX {$4000.00} DPT ED/XXXX XXXX {$6300.00} DPT ED/XXXX XXXX {$4900.00} DPT ED/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX  XXXX {$810.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$2700.00} XXXX/XXXX  XXXX {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation