vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 2288984 Ontario Inc.
State: CA

Complaint narrative:
I spoke with a representative at Money Key advising them I'm revoking any and all ACH authorizations starting with the next payment date of XX/XX/2019. On XX/XX/2019, my account received an ACH debit from Money Key in the amount of the payment. I called and spoke to another representative who listened to the recorded call I previously made and said it sounded like I only wanted to revoke authorization for the payment on XX/XX/XXXX, I told her no that isn't correct I called to revoke any and all ACH authorizations. She then said she made sure to take care of that going forward and would speak to a Supervisor. The representative spoke with her supervisor and got approval for a refund and said that it would be refunded to my account on Tuesday, XX/XX/XXXX ( due to the holiday on Monday ) On Wednesday XX/XX/XXXX I received the refund to my account. Subsequently Money Key took out another payment via ACH on Friday, XX/XX/XXXX. I spoke to another representative on Saturday, XX/XX/XXXX who apologized and reassured me I would have the refund back to my account no later than Tuesday, XX/XX/XXXX and I still have yet to receive the refund. I spoke to someone again who said I should see the refund no later than Thursday, XX/XX/XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: GA

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The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: KY

Complaint narrative:
Reason I am disputing this account is because I have never lived at XXXX XXXX XXXX XXXX. I asked for documents associated with my full social security number and the Bankruptcy documents showing that I am the rightful owner of this account. Without this information LexisNexis in volition of my rights and I am in the process of filing suit. Again my address is XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. I have never resided at XXXX XXXX XXXX XXXX and I have not filed for any bankruptcies. Please remove all inaccurate information. I have sent a copy of my driver 's license and a dispute asking that all of this information be verified correctly. The information that was sent back to me was nothing proving that this information is correct and from a original source.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
In XXXX of XXXX I stopped making payments to the original creditor ( XXXX ) accumulating a past due amount totaling {$250.00}. This account was sent to collections and acquired by Credence Resource Management. My XXXX  consumer report reflects this account, however it lists the date as being XXXX of XXXX and the amount being {$210.00}. I have never made any contact with either the original creditor or the debt buyer, nor made or offered to make a payment, and therefore have reason to believe this account has been illegally " re-aged. '' I filed a dispute with XXXX, whose investigation determined the date ( XX/XX/XXXX ) to be correct, when in fact it should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TX

Complaint narrative:
XXXX sent me a letter advising my credit information was used for an application on XX/XX/19. I did not apply for an account or services with XXXX so this application and credit inquiry is fraudulent. I tried to contact XXXX to report the fraud but fraud phone numbers and their website for fraud only offers automated messages that if you are not a customer you must mail in a fraud packet with a police report and photo id to even report fraud and start the process. I also tried to contact Experian at the number referenced on XXXX letter XXXX but there is only an automated prompt for credit alert, freeze, order credit report or info for credit on a minor. I tried all prompts and there are no options to file a dispute or talk to a representative. Experian online verified a hard inquiry was done by XXXX but their dispute website does not allow you to dispute hard inquiries online. It references to call a service specialist but the number takes you to the same automated prompt from the number on the letter and you can't get a rep or file a dispute. These hard inquiries adversely effect my credit score and will stay on my report for 2 yrs and Experian has no means to file a dispute for fraudulent hard inquiries to my credit report. I tried several phone numbers listed on websites but they all go back to the automated prompts with no option for a rep or to file a dispute online ( hard inquires ). I had other fraud on my account for hard inquiries including XXXX but i was able to speak to reps at XXXX to report the fraud. I placed fraud alerts to the 3 credit bureaus but am still unable to find a means to notify Experian that the hard inquiry from XXXX is from a fraudulent application. The hard inquiries resulted in adverse action per XXXX  letter citing " total amount of inquires too high '' and too many hard inquiries effects my credit score. Experian not having a means to dispute the fraudulent hard inquiries violates my consumer rights.

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
There are five closed accounts from Navient on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Almost a year ago, while sleeping at XXXX XXXX, my family and I experienced a house fire. It began in the garage, behind drywall, within the electrical wiring. The structure was about 30 % fire damage and 100 % smoke damage. Luckily, my husband, son, and two dogs were safe. This experience really clues you in on how things really work and the corruption behind many businesses. You would think with home owners insurance a home would simply be rebuilt. Unfortunately, this is far from the case. Not to go into too much depth because I intend to address my complaint with Wells Fargo, the entire year has been spent in a slow process with contractors and receiving insurance money. The insurance company gives a depreciated value by approximately 60 % of what it costs to rebuild. Only when this is complete can one recoup the additional value. After the year long struggle, we have taken loans and maxed out credit cards to finish the home in order to receive the last check. Not once did Wells Fargo seek out their interests as I do have a loan with them. Not once did Wells Fargo check on this family as we have had a mortgage with them for approximately 12 years and in good standing. Our credit scores were over 800. We are very diligent in paying our bills. Not once over the past year has a single mortgage payment been late. We also have quite a bit of equity when the house is finished and equal to the neighborhood. Finally, a month ago we received a sizable check from the insurance company. I thought we were in the clear and can now pay contractors and credit cards. This is not the case. My husband and I took the check to Wells Fargo for deposit. Unfortunately, this is the only way a check of this size can be deposited, with Wells Fargo the lean holder. This though is not the problem. Wells Fargo refuses to deposit this check into my account. Maybe they could take the money and distribute it to owed contractors and a very own Wells Fargo maxed out credit card with themselves No. Instead the check is only a coaster at this time. What do they want? An appraisal. Greatcome on outOne month later and red tapenothing. I cant hang on like this. They are however accruing interest over the past month on my maxed credit card which I would love to pay off. Basically, Wells Fargo has treated us inhumanely. We have been through quite an ordeal and they have only made it more difficult. If they want to secure their interest, I have no problem with this. Where have they been the entire year. Only when I get a check which I am in desperate need of they have held us up over a month. I am in good standing and have been treated unfairly.

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 monetary relief
Consumer complaint received 2019-10-29 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: LA

Complaint narrative:
I mailed in several documents about identity theft and inaccurate information being reported to all the bureaus TransUnion, XXXX, and XXXX. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to XXXX   several times within the last 5 months. The only company that has almost complied is Transunion, every other company has not done there job to report information accurately.

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 2019-10-29 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: LA

Complaint narrative:
I mailed in several documents about identity theft and inaccurate information being reported to all the bureaus XXXX, XXXX, and Equifax. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to Equifax several times within the last 5 months. The only company that has almost complied is XXXX, every other company has not done there job to report information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are five closed accounts from XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are five closed accounts from XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Good afternoon, My student loans were previously with XXXX XXXX.They were transferred to Nelnet in 2019. 

While with XXXX XXXX, these student loans were consolidated into one repayment account. Nelnet immediately created separate repayment accounts without cause or explanation. 

While with XXXX XXXX, these student loans were repaid based on income. Upon transfer to Nelnet, these student loans have been approved for income-driven repayment. All necessary income information was submitted directly to Nelnet from the IRS via the Federal Student Aid website. Nelnet has illegally driven these loans into forbearance/deferment, and requests for explanation have gone unanswered. 

I have repeatedly requested the following : 1. Loan consolidation ( as per the previous provider ) 2. Income-driven repayment ( These loans have been approved for income-driven repayment for 2019. ) My letters and e-mails to Nelnet have gone unanswered. These loans have been illegally unconsolidated and have been illegally driven into forbearance/deferment. These are not my wishes. 

A student loan attorney has recently been contacted. The attorney has advised me to contact the Consumer Finance Protection Bureau prior to legal recourse. 

Please contact me at your earliest convenience about the best course of action. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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 don't recognize this inquiries. Never applied for this companies.

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 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I visited my XXXX XXXX XXXX 's office for immunization shots and tests. Total billing was {$220.00}. 
In XX/XX/XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " XXXX XXXX XXXX '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX XXXX XXXX run my credit report with TransUnion, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX, it shows, again " i have Derogatory public record or collection filed '' I have called XXXX XXXX XXXX many times requested documents about my account payment as well as status, I have not received any from them

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 2019-10-29 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: PA

Complaint narrative:
There are nine closed accounts from XXXX XXXX XXXX XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

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 2019-10-29 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:
There are nine closed accounts from XXXX XXXX FDR CBR on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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:
There are nine closed accounts from XXXX XXXX FDR CBR on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

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