vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: NY

Complaint narrative:
Hi .... 

I took a loan out with XXXX in XXXX for {$33000.00} for student graduate loans. I paid every month without miss for over 10 years. I have copies and proof of every payment made totalling just over {$29000.00}. However, ACS bought the loan in XXXX and somehow my balance went back to {$30000.00} owed on the loan? When questioning ACS, they sold the loan to XXXX. While working with XXXX, my loan was sold again to XXXX XXXX XXXX. Long story short, im being told the balance is now {$41000.00} and are threatening wage garnishment. Can someone please help? Im 100 % willing to payoff the true remaining balance, but i refuse to pay another {$40000.00} on a loan that ive already paid {$29000.00} on? It does not make sense to me and non of these loan companies are willing to help me or work with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have had a security freeze and fraud alert placed on my account since XX/XX/2019 after a fraudulent account was opened on my credit report. Since the freeze, I have continued to receive alerts for fraudulent accounts and specifically, rental screenings that are being completed by XXXX  XXXX XXXX XXXX. On XX/XX/2019 I told the company that the inquiry was fraudulent when an applicant attempted to apply for a community in Florida. I have since received 2 more inquiries and Im told by transunion that theres nothing I can do to stop their rental screening process, despite explaining that I have no intentions of applying to any rental communities in the foreseeable future. Even after disputing, the company will not remove the inquires.

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 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I first tried to contact company and was told to contact other phone numbers, left voicemails and was never contacted back. Im trying to settle this debt because it is affecting my credit, however, i dont seem to get in contact with the person or company that can help me move forward

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account status causing negative impact on credit anlasys. Score rating impacted. Ujustly violating properley not having a fair and impartial bias will not permit me to be treated equaly.

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 2019-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: FL

Complaint narrative:
When registering for automatic payments, the XXXX website states " My authorization to these debit transactions may only be revoked in the manner set forth in the Terms & Conditions below. '' and provides a link to " Review the Terms & Conditions '' ( XXXX XXXX XXXX   ). This link provides a 1 page PDF which states " My authorization to these debit transactions may only be revoked in the matter set forth in the Terms & Conditions below. '' but does not actually provide any information on revoking permissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have 2 legitimate accounts with Synchrony Bank ( an Amazon Prime card and a CareCredit card ). Today, I received 3 emails from Synchrony, one regarding " status of your recent application '' ( I havent applied for a new account ) and and 2 others regarding verification of checking accounts via trial deposits ( I did not attach a new checking or trigger a verification ). Suspecting fraud, I immediately placed fraud alerts with all 3 bureaus and called Synchrony to find out what the application is and have it cancelled. After speaking to a rep, I was told this was regarding an Amazon XXXX XXXX account ( I didnt apply for one ) but that the rep could not review the application or stop it. She transferred me to the department that was supposed to be able to, but it was just an automated system with no way to speak to a person or resolve the issue.

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX, has unlawful obtain my credit report for financial services with Credit Acceptance and  XXXX XXXX XXXX XXXX after I was pre approval by XXXX XXXX XXXX. 

The owner refuse financial services from my bank after pre approval to only provide financial services with Credit Acceptance and XXXX XXXX XXXX XXXX after my bank approved me for financial services for an car. 

The owner is refusing XXXX  XXXX consumers financial services and is only using the pre approval letter from XXXX  XXXX to financial with Credit Acceptance which is control by XXXX XXXX XXXX XXXX. 

I didn't ask for financial services but was pre approval with XXXX  XXXX which is my Bank. 

XXXX XXXX XXXX call my phone stating they were XXXX XXXX XXXX and I was approved for 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 2019-11-25 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-25 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
We have a few store cards through MySynchrony consumer cards. We have Old navy and we have Rooms To Go. 

We recently started receiving notifications for Amazon Cardholder Services. We've never applied or used an Amazon card. I called MySynchrony and they told me that I need to contact Amazon and then Amazon told me to contact the bank. Both said they weren't responsible for telling me the issue even though Amazon hires MS for their store card. 

They simply said it's " an error '' but refused to explain further. How would MySynchrony send me Amazon card notifications for a card I don't own or use or never applied for? It seems that they may have leaked my data to Amazon. I think that MS doesn't have the appropriate security measures in place to protect my information from bleeding over to other companies they serve. I would like an investigation and reparations for wrongdoing. 
Thank you!

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 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MS

Complaint narrative:
Charges were disputed as I should not have been held personally liable for a business transaction. Since I am being held personally liable, the lease in question falls under the Servicemembers Civil Relief Act the remainder of the lease should be canceled due to the receipt of orders that force me to move from the area. This means I do not owe the debt. The orders and the lease are attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX, Capital One cancelled a business credit card I had with them. The card had a {$1100.00} credit due to an overpayment. On XX/XX/XXXX, I was issued a check for the credited amount made out to my company ( XXXX, XXXX. ) which no longer existed as of XX/XX/XXXX. 
I sent the check back and requested the amount be endorsed to me since it COULD NOT be cashed as a company check by anyone. Capital One has ignored my phone calls and letters and are now proceeding to turn over my funds to the Maryland Treasurer as Unclaimed Property. Please help me resolve this long standing impasse. 

Holder ID : XXXX Property ID XXXX Check Number : XXXX Property Amount : {$1100.00}. XXXX Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
On XX/XX/19 my auto loan company consumer portfolio services disclose my account info to mrs.XXXX   XXXX the info given out was my loan balance, past due amount, account status and express my account has been reviewed for repo. mrs.XXXX  has never been authorized to talk to on my account at all and also i have been receiving 6 to 8 calls per day on my and my personal reference XXXX XXXX had been contacted more than once per my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: CA

Complaint narrative:
Account status causing negative impact on credit anlasys. Score rating impacted. Ujustly violating properley not having a fair and impartial bias will not permit me to be treated equaly.

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 2019-11-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Account status causing negative impact on credit anlasys. Score rating impacted. Ujustly violating properley not having a fair and impartial bias will not permit me to be treated equaly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: IN

Complaint narrative:
I am an Equifax Breach victim. 
In XX/XX/XXXX I placed Fraud alerts on my account.

In XX/XX/XXXX I upgraded that to a freeze. 
XXXX received a phone application from someone using my social security number They willfully ignored the fraud alert and processed an application which resulted in an unpaid fraudulent account being placed on my credit after being put into collections. 
I live in Indiana and have never lived in Texas. In addiiton to the fraud alert they ignored, red flag rules should have flagged the application and they should have denied the request. 
Their willful actions have adversely affected my credit by 35 points and already wasted hours of my time. 
I was told at first when I called them that I needed to call the police. 
I declined and asked for a supervisor. 
She said they don't have any way to process fraud alerts. When I explained by law they are required she said she'd forward my issue to legal. 
I asked for the phone number or email and she refused to provide it. 
I asked for a copy of the application and she wasn't sure how to provide it. 
THis company is seriously incompetent in understanding credit law and consumer rights yet they have access to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I received a settlement letter from First Source Advantage , LLC representing XXXX XXXX for a debt I owed of {$4000.00}. The settlement offer was for {$1400.00}, which I accepted and paid off in full by the dates outlined in the letter by XXXX XXXX, XXXX. However, the public record continued to show in XXXX XXXX records through XXXX. I was unaware that the debt was still showing as not paid. I was made aware in XXXX XXXX when I attempted to make a house purchase and was notified by the loan officer. I immediately reached out to both XXXX and FirstSource Advantage to clear up the bad record. I provided the settlement letter and proof of payment. I received a court release letter in the mail two months later. It has been cleared ; however, during the time it was on my record, I refinanced a home and purchased a car but did not receive the best interest rates and paid more. I was also denied credit with some other creditors as well due to the negative mark on my credit report and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I received a call from XXXX regarding identity theft - a new credit card was opened in my name. I was able to address that issue, and get the card shut down. XXXX recommended I place a Fraud Alert at each of the three credit reporting agencies. My main problem was with Transunion. The website is geared to selling me a subscription and involves multiple Transunion identities - I'm was not sure who is the real Transunion and who was their paid subscription service. I tried to log in, but each of their services had a different login and I kept getting blocked. During my 4 phone calls to Transunion, I was given 3 different Transunion phone numbers and two temporary passwords for logins. 
I spent at least two hours trying to confirm that the fraud alert had been placed and was unable to download my credit report - I was only able to view it in pieces. When I tried again to look at the report, the charge would have been {$11.00}, since I'm only allowed one free report per year. 
The website appears to be intentionally confusing and misleading and doesn't adequately provide information as to who you are dealing with - Transunion or a subscription service that I don't want.

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 2019-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: WI

Complaint narrative:
I have had an ongoing issue with FedLoan Servicing. The recent issue started on XX/XX/XXXX. I made my payment, just as I have every month, and it cleared my bank on XX/XX/XXXX. when I went to check my account, which I always do, it said I still had a balance, part of the payment, and that I was past due. I first called on XX/XX/XXXX, I waited to see if something needed to clear, to employee XXXX. She told me that she saw my payment but part of the payment when to something else and that she would place an order to have it fixed within 7-10 business days. My second call was XX/XX/XXXX with employee XXXX who, after looking through my account, told me that the last employee never did anything to resolve my issue. I was then reassured that he would take care of the issue with an order ... ... Same thing. My next call was with employee XXXX who said they saw the request from XX/XX/XXXX and that between XXXX XXXX it should be resolved. After seeing it was not resolved, I called and talked to employee XXXX who informed me there was no order and that she would have her supervisor help her expedite an order to take care of my issue. It is now XX/XX/XXXX and my bill says I am still past due. 
This issue is still not resolved. 
This company has screwed me out of thousands of dollars already by recommending I switch my payment plan for loan forgiveness ( income based ) only to increase my monthly payment to 3 times what I already pay which I could not afford on a XXXX   salary. And when I wanted to switch back they told me that I needed to do standard payment, which added 5 years of payments to my loan with no opportunity for forgiveness. 

I just want to pay my bill and be done with these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I was contacted by True Accord on XX/XX/2019 regarding a debt owed by my employer to XXXX for the amount of XXXX. When I contacted True Accord they indicated the debt was owed by me personally despite having my employers phone number and address. They never indicated the debt was owed by a corporate account and instead led me to believe I was personally responsible for the debt. I disputed the debt as an individual on XX/XX/2019. On XX/XX/2019 True Accord responded that the debt was indeed owed by me as an individual and provided supporting documentation provided to them by XXXX. Upon reviewing the supporting documentation all account information was listed under my employers name and not my name personally. I contacted True Accord on XX/XX/2019 to inform them that the information they had sent me indicated this was a business account debt and not an individual debt owed by me. I was told by the representative and their manager that they were only going to seek payment from me as an individual despite the supporting documents not having my name on them anywhere. They also indicated that they would not seek the payment from the organization whose debt the name was under. When I explained their supporting documentation did not indicate the debt was in my name they claimed they had no supporting documentation despite them sending it to me via email. When I provided the name of the individual who had verified the debt and sent the supporting documentation to me they claimed no such individual was employed at True Accord. When I inquired about my personal credit rating they indicated that XXXX would be showing up against my credit report. 

I then contacted XXXX directly who confirmed that the debt was not in my name personally and was indeed the debt of my employer and that the information they provided to True Accord indicated that it was not an individual debt. XXXX also indicated that the debt would not be levied against my personal credit rating and in fact their agency was one that did not show up on credit reports at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation