vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the XXXX XXXXXXXX XXXX XXXX with acc # XXXX XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: WI

Complaint narrative:
On XX/XX/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.

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 2018-10-23 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: WI

Complaint narrative:
On XX/XX/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.

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 2018-10-23 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: NC

Complaint narrative:
I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts.XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: NC

Complaint narrative:
I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts.XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018

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 2018-10-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED STUDENT LOAN SOLUTIONS
State: FL

Complaint narrative:
Re : US Dept OF ED/XXXX/XXXX Dear US DEPT OF ED/XXXX/XXXX, I have never received any written correspondence from this company. US Dept OF Ed/XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX   which results from crime ( s ) that have taken place. This is invalid. I didn't received any services, goods, or loans from the original creditor. However, I am still held responsible for this debt. That is a violation of THE FAIR DEBT COLLECTIONS ACT by adding a collection ( s ) to my credit reports without my knowledge. It is also a violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit explicitly stating that I am a victim of a identity theft. Still you fail to comply with laws you are legally binded to adhere to. This inaccurate information is still being reported on the credit reports. It would greatly appreciated if you deleted these accounts. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
This is a complaint about USAA. I have a checking, savings, and car insurance account with them. On XX/XX/2018, I had Auto-Pay set up from my Insurance account to my checking account. I didn't realize that if i pay it a few days before it would still auto pull my insurance payment. So, I made two payments for my insurance. One payment for XXXX XXXX the payment i made manually XXXX and the auto-pulled payment of {$230.00}. I called on the XX/XX/2018, and requested a refund of the payment that I made manually of {$230.00}. 

On XX/XX/2018 I recieved an " USAA INTERNAL CREDIT '' of {$230.00}. I assumed that this was the refund I requested and that everything was resolved. On XX/XX/2018 and line item was applied to my account " RETURNED DEPOSIT ITEM '' of - {$230.00}. After 4 1/2 hours on hold, being hung up on and transferred 10 separate times. I was informed that my requested return payment of {$230.00} dollars was never issued. And the the {$230.00} dollars that I recieved as an internal credit from USAA was actually another members money that was applied to my account, and I was told that USAA reserves the right to take it back. 

So at this point, my account is in the negative, I was given no warning that I was getting money pulled for my account. I do not have money for gas, or for food for my family. And now I owe USAA more money, all because USAA insurance failed to issue a refund and the banking department gave me someone else 's money for 20 days. That I thought was mine, and budgetted that money appropriately. I am a XXXX XXXX  to an XXXX XXXX XXXX XXXX, and there is nothing I can do but continue to accrue overdraft fees for an error, and I do not have enough gas money to get to work now, so that I can lose more money to USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
PayPal Credit established an account in my name without authorization and subsequently sent this account to collections.

I did not agree to become indebted to PayPal Credit. I did not authorize PayPal Credit to create a debt in my name.

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 2018-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX XXXX, and their Attorneys XXXX and XXXX XXXX, Filing a fraudulent foreclosure action and having me illegally evicted in Violation of the Service Members Civil Relief Act and the Illinois Service Members Civil Relief Act against me and my mom ( deceased XX/XX/XXXX ) and my father ( deceased XX/XX/XXXX ) My parents are XXXX and XXXX XXXX , The mortgage was paid off on XX/XX/XXXX see document # XXXX. The illegal foreclosure and sale was intiated on XX/XX/XXXX the case # is XXXX, The court lacked Jurisdiction to hear the case In violation of the SCRA , the names of the Judges who sat on the case we're Judge XXXX and Judge XXXX they also engaged in Self dealing by having the Sheriff evict me in violation of the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX, although has the critical role of linking borrowers and lenders chose to provide incorrect information regarding Qualifying Payments made by me from the years XX/XX/XXXX-XX/XX/XXXX. I have been calling them, writing to get this resolved since XX/XX/XXXX. initially the servicer was XXXX XXXX and since XXXX has been assigned as the servicer, they have been providing misleading information regarding the payments i made in XX/XX/XXXX and XX/XX/XXXX that were taken directly from my debit card. Upon talking to XXXX today on XX/XX/XXXX, I was explained that it is my responsibility to comply with the criteria set forth in order for the payments to count toward the 120 Qualifying payments. I was not informed that the loan amount being paid was not the full amount and thus not being counted toward the Qualifying loan payments.Although this information was held from me during the times i contacted XXXX  in XX/XX/XXXX and XX/XX/XXXX and so i was unable to contact my finanacial institution to correct the loan amount that would satisfy the criteria for these payments qualify, XXXX representative stated that they can not confirm that i was given misleading information and there is nothing XXXX can do to rectify this situation as they can not be held accountable for me not keeping track of the loan amount. This is just unfair that these servicers are keeping pertinent information from borrowers so that they can make informed decisions. Misleading information and lack of help has been the pattern during my dealings with XXXX escalated team. Their practices should be questions and representatives should be held accountable for false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My Mortgage Was Sold to XXXX XXXX XXXX in XXXX and they took it upon themselves to set up an Escrow Account on this Loan to collect for Property Taxes. I have called several times to get this removed. I pay the Property Taxes directly and Now they are stating they need to order an Escrow analysis to be able to remove the Taxes. An Escrow account is NOT a requirement for this Mortgage. I am an Escrow officer and I know how the works. I am truly Disappointed with the company and how they are servicing my loan. I received the Tax Bill in the Mail and it is not showing that it is being escrowed. XXXX XXXX XXXX never Notified the Tax collector that they were planning to pay the Taxes. So I am not only upset, but wondering where my money is going?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
Was in communication with CFPB with case # XXXXI was under the impression that this debt was deemed satisfied because I never heard back from the creditor, Williams & Fudge. Last email with said institution led me to believe this was deemed satisfied since I never heard back and it was removed from my credit report. 

Come to know, that the original creditor rider university was given the account back without my knowledge either written or verbal and is threatening to report it again without payment which due to lack of communication by either party I thought was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Financial Recovery Services, Inc.
State: NJ

Complaint narrative:
I HAVE NO RECOLLECTION OF OWING THIS DEBT. I HAVE ASKED FOR PROVE OF THIS SUPPOSEDLY CALLED DEBT THAT I OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: TX

Complaint narrative:
It has been years ago that I informed you that 2 of the 3 addresses you have on my credit report are not mine, I have never owned, rented, leased or lived at XXXX XXXX XXXX. XXXX . XXXX, XXXX, Texas XXXX or XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX, XXXX. 

Further, the information on the credit report shows me all but the last 4 digits of each credit card, and does not include the name or at least the initials on those credit cards. The last 4 digits would possibly be more help to me than any of the other numbers of each and at least the first and middle initials would definitely be of a big help, since you have addresses I have never lived at I have a suspicion some of these credit cards also belong to other people also. 

I also have no doubt that these errors would also appear on my wife ( XXXX XXXX XXXX ) report also, XXXX, as myself have resided here at XXXX XXXX XXXX, XXXX, Texas XXXX for the past 41 years and never resided anywhere else in that time frame. If you can correct my report can you also correct hers. I doubt this because if you can or will why didn't you do it years ago?

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 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hard inquiries by Equifax Mtg on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: FL

Complaint narrative:
I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that were tied to ID theft. I waited 3 hours to speak with a supervisor and was told that these my remaining accounts would not be removed. In accordance with FCRA 605B these items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MD

Complaint narrative:
Company calls daily. I have spoke to them twice ; I do not know the person they are trying to collect from, but they continue calling every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried to place a security freeze on my minor children 's accounts as allowed by the Fair Credit Reporting Act. I sent Equifax their required minor freeze form for this and all the necessary information including SS cards, birth certificates, my driver 's license, etc and did not create and freeze my children 's account as they are required. After numerous time consuming phone calls, have not made any progress since I am unable to stay on the phone for hours on end and there is no mechanism to reference the call and restart where we " left off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX  with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.

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 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.

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 2018-10-23 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my now 5th complaint against Equifax  Consumer Credit Services concerning the same matter which is unauthorized inquiries on my credit. I have spoken with all credit lending services which are XXXX Bank-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX-Inquiry-XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry XXXX, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018 and last but not least XXXX XXXX-Inquiry XX/XX/2018. These are all fraudulent inquires which all these banks have said they have no file on me and on top of that, I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE LAST TWO YEARS AND XXXX   AND XXXX HAVE BOTH HANDLED REMOVING THESE FRADULENT INQUIRIES ON MY CREDIT AND THE ONLY CREDIT SERVICE THAT HAS NOT IS EQUIFAX. I would like a full investigation as to why they are not obiding by law.

Company response to consumer: Closed with explanation