vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I had to private student loans that were serviced by AES. The owners where XXXX XXXX in National Collegiate Trust. I served in the military to pay off a portion of my loans. My incentive was a {$65000.00} student loan repayment of which XXXX went toward the loans and XXXX went toward taxes. I initially owed {$82000.00} and after the XXXX was paid my balance was {$78000.00}. My loans were not dispersed correctly, as as was supposed to pay off my private loans before any of my Federal loans were paid. This did not occur. I became XXXX while serving in the military and requested that the owners of the loan forgive my loans based on my service-connected XXXX. I sent all documentation request through AES, who was suppose to forward it to XXXX XXXX and NCT. XXXX XXXX loans were forgiven but instead of AES handling it correctly they sent my account info back to XXXX as a defaulted loan. I was notified of a delinquent account by my dad, who received the letter. This letter almost caused him a divorce and was wrongly sent to him. Somehow my account was transferred from AES back to XXXX in a delinquent status even though they had been forgiven. I continue to pay on the NCT loans and they continue to go up. Currently I am paying only on the interest that was accrued during my military service. The loans have been paid dollar-for-dollar but I continue to have to pay on capitalization and interest which is the only amount due on my loans. I don't believe that AES has forwarded any of my requests to the loan holders, which was confirmed by XXXX XXXX today. I can not get in touch with NCT in order to request the loan forgiveness because there is no phone number for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC
State: CA

Complaint narrative:
Withdrew my loan after it was in underwriting, it was done after I told The mortgage broker that I needed an answer or I was going to contact another lender

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: NY

Complaint narrative:
These accounts are fraudulent XX/XX/XXXX/XX/XX/XXXX{$68.00} XXXX XXXX XXXX {$950.00} XX/XX/XXXX XX/XX/XXXX {$550.00}

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 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Approximately in XX/XX/XXXX, I received a subpoena by a law enforcement officer of the state of IL for a debt I was not aware of nor is it mine. These are fraudulent claims or identity theft. Upon checking my credit report as recommended by my friend and discussing the matter with him he suggested I take action to call CaptialOne to inform them of this fraud. They gave me a telephone number to their attorney instead of their fraud department, this was today XX/XX/XXXX. However, I never personally applied for credit with CapitalOne and was successful in obtaining a line of credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt has been reported on my credit report by TWO different agencies within the last year. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co-owners of any account in the past. How can this debt be verified if it is showing up on two different individual credit reports with two different agencies? The Equifax, XXXX, XXXX credit agencies are reporting this information as verified but how if this is on me and my fathers credit report? Exactly whose bill is it? According to the FCRA, if a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XXXX of XXXX form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice. The information being reported appears as a re-aged account the dates of the account being opened is incorrect with what is on my report and from my knowledge, this is not legal. Along with Names and addresses. The account Is being reported opening in XXXX and that is incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: CT

Complaint narrative:
Transunion is reporting that I have an outstanding balance on a XXXX Account in the amount of {$6800.00}. I HAD ONLY ONE XXXX   CREDIT CARD ACCOUNT which has been closed for months. Transunion is claiming that I have MORE than one XXXX Account ( which I do not and never have ). I contacted XXXX as well, and this matter is still outstanding. I am left dumb-founded with only one thought that this could be a fradulent account. 

For the record, Neither XXXX nor XXXX is showing MORE than ONE XXXX Account with any balance at all. 

Please HELP.

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 2019-04-25 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: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-04-25 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This debt has been reported on my credit report by TWO different agencies within the last year. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co-owners of any account in the past. How can this debt be verified if it is showing up on two different individual credit reports with two different agencies? The XXXX, XXXX, Experian credit agencies are reporting this information as verified but how if this is on me and my fathers credit report? Exactly whose bill is it? According to the FCRA, if a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice. The information being reported appears as a re-aged account the dates of the account being opened is incorrect with what is on my report and from my knowledge, this is not legal. Along with Names and addresses. The account Is being reported opening in XX/XX/2018 and that is incorrect 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 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank did not want to remove fraudulent charges on my account XXXX as follows : Charge on XX/XX/2019 for {$120.00} Charge on XX/XX/2019 for {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: GA

Complaint narrative:
This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

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 2019-04-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
EQUIFAX is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX- Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX- I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
Why hasn't First Advantage contacted XXXX yet to report to them that it's fine to allow me to reapply for the CSR, work @ home positions. I was told that they are waiting for me to do some thing, but I was never told what ... In fact, I have gotten emails requesting me to complete surveys about how they handle the investigation after they closed the case out with you. So, how is it that I needed to do anything. It was never requested. It see, s like they are trying to delay or stop me from being able to reapply for these positions. This is happen right after my XXXX pass the required inspections for the position ... This is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2019 someone has applied for a XXXX  credit card/ airlines with SYNCB/walmart XXXX XXXX Fl . I live in Ga. I received a alert from XXXX XXXX today which is the same day. I looked this up and they said to contact you guys to get this solved faster. My husband and I are about to start looking for a new home by next year and I dont need anything like this on my credit. I hope you guys can stop this before anything bad happens to my credit. Thanks for all you can do for me, XXXX 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 non-monetary relief
Consumer complaint received 2019-04-25 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: GA

Complaint narrative:
This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A,  state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

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 2019-04-25 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: GA

Complaint narrative:
This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A,  state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I made attempts in the past to have a payment plan. I then called XXXX of 2018 to do a income based repayment plan. I filled out the application and included pay stubs as they requested and fax it in. I received a letter stating That they had received my application and documents by mail. I have been waiting since then to get a reply on what happened to the income-based payment plan and received nothing. I called today and the agent on the phone told me that they were only sending me a balance due notices and other notices by mail and that the denial letter was never mailed out to me it was only available online. This seems very fraudulent to me because every other notice was sent by mail other than this one notice. It seems as if Navient Purposefully did not send me that notice by mail. This seems illegal if every other notice was sent by mail other than this. When I asked for a summary of my account to be mailed to me with all the information they refused over the phone. Why would anyone want to pay back loans when it seems like Fraud is involved on the side of the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
I transferred money on western union on XX/XX/2019 two times by accident. 

I called and had them cancel both transactions. I got a refund for one of them that day. 

I have called over 10 times about the other one. They were suppose to escalate I still never heard anything. 

I confirmed with my 3 times I only got one refund back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I would like to look in to how to pursue an investigation into my institution on TD BANK N.A. of banking fraud. The reason for this is this institution has altered its transactions posting times to make returns and collect returned transaction fees. In my TD Bank Convenience account at this banking institution, I had a transaction that went through and cleared Monday XX/XX/2019, in the morning. This transaction was processed and was covered by overdraft protection and visibly showed in the posted transaction section of my online statement. I even waited until Wednesday to make sure all funds had cleared and had been paid to the recipient. I later double-check my online statement showing on XX/XX/2019 it had been cleared for 2 days. The reason I know this is I wrote a letter to the recipient that yes it was covered in the morning. Checking back on my account later that same day [ Wed. ] and my online account statement now stated it was summited on Tuesday, XX/XX/XXXX and returned. In fact it was 2 business days and post-dated by the institution creating a return with return and overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
There was a payment made to Synchrony Walmart of {$180.00} on XX/XX/2019. The payment was again was returned by my Bank to Synchrony Walmart even though there was sufficient funds in my account to cover the payment. Per my bank on XX/XX/19 that payment was returned erroneously. I have received the letter from Walmart Credit Synchrony that my account was closed due to returned payment. Once again this wasn't my fault at all that this was done. Once again my bank has returned a payment erroneously to Synchrony which and when they should have paid it. Please re-open my account as it should not be closed due to bank error. I have attached the letter from XXXX XXXX taking responsibilty

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 2019-04-25 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX  keep calling me after I repeatedly told them that this is dealing with a car accident that I was in. The police was in a high speed chase and caused someone to hit me. I gave them my attorney number 2x 's. They are still trying to collect on a debt that wasn't settle because my case hasn't been settled. My attorney explained that if they really called his office.

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 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tc XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX I have tried on Several occasions to fix this problem with my credit report.This account is being reported as a charge off on my credit report. The Amount being reported is not the amount that a final bill or statement that was sent to me. Along with the incorrect address on the statement as well. The date opened and the date of last payment seems to be conflicting. I am aware that under the FCRA you are only allowed to report correct information on my credit report and the account must be validated and I have the legal right to obtain proof of that validation. This is not my first time seeking validation without any feedback about this matter.

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