vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I paid XXXX XXXX XXXX a Settlement amount on XX/XX/19 yet they wont contact XXXX that its paid and its still on my credit report Transworld System inc also is on my credit report for XXXX I sent them a copy showing them that I paid it Why cant I get this off Also XXXX Still says I owe them??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: Navient Solutions, LLC.
State: KY

Complaint narrative:
I took out a Federal Parent Plus loan in XXXX. I made some payments, then went back to school, loans were deferred. Each year, after I graduated in XXXX, I applied for income driven loan payments. All my student loans have always been approved for income based payments, as this years, but Navient decided to deny approval. They not only denied but never notified me of the denial. When I did discover, by accident, they informed me I was late on my payments. I requested by phone and email to send detail information. The only thing I received from them was a payment booklet. I began making monthly payments using the booklet, but I remain to get phone calls from them, several times a day, saying I was late on my payments. I explained that I started making the payments, as the payment booklet states, but the lady said booklet was incorrect and I am a month behind. I asked that this be corrected and late fees be removed because it was their error. She refused to help assist me in anyway. I am asking that all late fees be removed and any negative remarks on my credit report be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: AZ

Complaint narrative:
Was told that if i agreed to a payment plan with alltran education to pay of installments from XX/XX/XXXX through XXXX of 19 then paying the full amount. They have failed to send me requested verification of the debt requested in XXXX. They also told me that it would not impact my credit if i did things that way which was why i agreed to that. In XXXX it hit my credit without me having missed a payment and being very cooperative. I disputed it with them and they acknowledged what i said but refused to remove it from my credit as we had discussed originally. They said the debt was XXXX even though i was told by XXXX  XXXX University that i owed about XXXX. The debt was due to a misunderstanding on my part 2 years ago which XXXX failed to contact me in regards to and no one ever validated the debt owed leaving me to wonder if i actually did make a mistake. This company misled me and in doing so has severely hindered my ability to pay the debt as well a career opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I opened an investment account with Robinhood, having succumbed to the allure of quick money in securities trading. I made a couple of initial deposits mainly at the suggestion of Robinhood " experts '' encouraging me to " diversify '' my portfolio. As a result of these seemingly random withdrawals, my bank flagged 2 of them and reversed the transactions because of fraud filters. When those 2 transactions were reversed, Robinhood froze and closed my account, while maintaining the original {$2000.00} I deposited. I have exchanged numerous phone calls, emails and messages with them in an attempt to regain ownership of my money but have been met with insults, postponments, bizarre requests for naturalization certificates ( I was born in the US, I've never even seen a naturalization certificate ) and what has amounted to a revolving door of the same 3 requests of document submission ; Front and back of ID ( which they approve ) followed by additional request of address ( which they approve ) followed by further verification in the form of naturalization certificates, original social security card ( issued in XXXX ... ) and then a reset to the original request for the front and back of an ID, only changing the method in which I am supposed to submit it to them ( secure portal, via email, in .pdf format, in .png format etc, etc ). This original {$2000.00} deposit was invested in cryptocurrencies and since I still have login access, I have watched that investment peak at around {$2100.00} and fall down to its current value of {$1900.00}. The money is clearly staying being handled by Robinhood and they ignore me when I request their SEC license information or broker license and I recorded one of their employees inform me that I was " too insignificant '' to pay any attention to and that they had the authority to " repossess '' my original {$2000.00} deposit at their will, information never disclosed to me when opening the account. It is now a month later, and the most recent exchange I've had is with a new agent who initially requested account documents for my bank account ( which I provided and were accepted ) and followed it up with a new request for identification documents ( through a brand new secure portal ) which I also provided but am sick of playing their game. It's jaw droppingly stunning when I read and hear so many people upset with the current national tone and level of discourse, but experience the harsh reality governing our country, that " we the people, '' don't amount to a " hill of beans in this crazy world. '' Stop me if you've heard this story recently, but the same institutions meant to be the vanguards of the public good have turned into the instruments of corruption and greed, abusing the right conferred upon them by their net worth, societal status to step all over the " little guy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$200.00} on the XXXX. XXXX, XXXX, ( original creditor : XXXX XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX.XXXX. XXXX, XXXX, and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

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 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am trying to get a VA loan and my mortgage company cant pull my credit score from equifax because it comes back as fraud so I have called them to fix this and they ask me to fax them my drivers license and social security card and I call them hours later to see if they got it and they said itll take 5-7 business days even tho I have faxed it and theres no other faster way to get this resolved and Ive talked to the  supervisor and theyre not doing anything to help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT EDXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX Credit Reports for  quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my Equifax & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the Equifax Security Breach. This item is reporting as a negative and impacting my score  monthly as it pertains to a charge off/not current with payments {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: VA

Complaint narrative:
XXXX XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my XXXX & Experian Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & Experian Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}

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 2019-08-26 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank, NA {$730.00}. This item is reporting negatively and impacting my score monthly as it pertains to a charge off and not current with payments. This is not my account and was opened in my name fraudulently without my knowledge or consent in which to do so.

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 2019-08-26 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: IL

Complaint narrative:
I have repeatedly tried to have XXXX, Experian, and XXXX remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.

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 2019-08-26 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: NJ

Complaint narrative:
Navient forces you to pay the interest owed first before applying any amount to the principle even if I make multiple payments a month or over pay. I make payments and my balance only changes by a cents, nothing significant. When ever I reach out to them to correct how my payment was applied it takes 7-10 days. When I ask them specific questions about my loan the answers are always generic and computer like. I am frustrated and tired of how my loan is being mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT ED/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-08-26 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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT ED/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I signed up for 12  month XXXX movie plan in XX/XX/XXXX for {$100.00}. I was never able to use the service provided due to their 'supposed ' technology glitches and demands for extra fees. I tried to cancel immediately with Comenity bank in XXXX Ohio. I did not realize the difference between a dispute and fraud and the first complaint was filed incorrectly and rejected. By the time I refiled the complaint XXXX had gone into bankruptcy leaving a trail of lawsuits. Comenity charged me back the {$100.00} on my XX/XX/XXXX billing statement. 

XXXX XXXX XXXX Comenity denied my claim by sending me a copy of XXXX XXXX users agreement in XX/XX/XXXX with no indication of which clause or paragraph related to my dispute. I am not a lawyer, but it seems to me XXXX didn't provide any service to me, I am at a loss to understand that complete and utter failure to provide service is legally enforceable. 
Comenity provides no direct access to its fraud teams to challenge findings. I have mailed in additional support at their request and still no chance in conclusion. 
Comenity said it never received additional information on the claim and on XX/XX/XXXX I sent them the attached letter. I'm really not certain what additional information I was supposed to provide and it was never spelled out in Comenity 's correspondence with me. 
I have never had this problem with XXXX or XXXX XXXX when there's been a dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I sent {$20.00} and {$230.00} to a man supposedly named XXXX through the app XXXX with the intention of buying shoes. I realized that he was a scammer after and tried to get a refund. XXXX states that their app is unintended for marketplace transactions and I also know that my bank has the power to reverse a transaction. I went to my bank on XX/XX/XXXX to try to get a chargeback. They called a separate office but I havent received word of any updates and feel like I wont receive a chargeback because I havent been updated about this situation.

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 2019-08-26 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:
I applied for a mortgage in XXXX, XXXX. My credit report came back showing that I owed XXXX {$150.00} for a landline I had disconnected in XX/XX/XXXX. I knew that this was incorrect information and filed a dispute which was investigated. As a result of the investigation, in information was deemed to be correct, the account was marked as derogatory and caused my credit score to drop about 30 points. This morning I contacted XXXX to attempt to straighten it out. After multiple phone calls, I spoke to someone in the Recovery department. She indicated to me that I have a XXXX balance with XXXX that was paid in XX/XX/XXXX. I told her I wanted my credit report corrected, to show that I had a XXXX balance and that it was not recent activity. She refused. This may interfere with my quest to obtain a mortgage and I want it corrected as soon as possible. I am very angry that I have FALSE information on my credit report and XXXX won't correct it. This to me constitutes fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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:
I recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY There are also inquiries on my credit report that should not be there either : XXXX/XXXX-XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
XXXX XXXX at last withdrew money from my checking account. I had never applied for a loan with this company. When I called to ask how they had gotten my information, no one will give me any answers. They are now demanding interest on a loan I did not apply for. I have no information on the loan, no loan #, no anything. They just began taking money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I need help with my payments. 
Since I could not do any.

Company response to consumer: Closed with explanation