vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 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: ACS Education Services
State: CA

Complaint narrative:
For the last five years a company called Conduent has been taking my Federal and State tax refunds towards student loans from XXXX. I have been struggling to resolve this since XXXX. Not a penny from my tax refunds from the last five years which exceeds over {$7000.00} has been reported or applied to the loans. This company continues to take take take. All numbers to contact them are disconnected. On my credit report theyre showing as XXXX XXXX and XXXX with XXXX as the debt collector. When I contact XXXX they tell me I need to go through the servicer whom is Conduent this is a complete scam! I didnt even receive any money for those loans back in XXXX and didnt attend that college course yet Im still being billed for it in XXXX. 

XXXX shows XX/XX/XXXX - Loan Amount {$870.00} disbursed amount {$470.00} cancelled amount {$400.00} outstanding principal {$640.00} outstanding interest {$49.00} XX/XX/XXXX - Loan Amount {$4000.00} disbursed amount {$2600.00} cancelled amount {$1300.00} outstanding principal {$2700.00} outstanding interest {$120.00} XX/XX/XXXX - Loan Amount {$2600.00} disbursed amount {$1700.00} cancelled amount {$870.00} outstanding principal {$1700.00} outstanding interest {$75.00} On my credit report XX/XX/XXXX - XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$2300.00} Opened - XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$760.00} Opened - XX/XX/XXXX My tax refunds taken by Federal Owed Student Loans XX/XX/XXXX - Taken from my refund {$1300.00} XX/XX/XXXX - Taken from my refund {$1900.00} XX/XX/XXXX - Taken from my refund {$2100.00} XX/XX/XXXX - Taken from my refund {$1800.00} Money taken from my State Refund towards federal owed Student Loans XX/XX/XXXX - Taken from my State {$240.00} XX/XX/XXXX - Taken from my State {$350.00} XX/XX/XXXX - Taken from my State {$440.00} XX/XX/XXXX - Taken from my State {$610.00} I havent received a tax refund in over 4 years. All debts keep going to some Federal Student Loan but not being applied to any of the debts! All numbers are  disconnected or not in service to try contacting the servicer! I am at a complete loss and feel violated that the government would allow this to happen and not allow a XXXX XXXX to be able to contact and speak to someone about the money being taken or even researched. This is unacceptable for a debt from XXXX to carry on this long and have no solution but for me to constantly be harassed by an invisible company that takes my hard earned money with no communication, certified emails or letters. I want the loans to be washed away and I want the money refunded back that is owed to me for the thousands of dollars extra that have been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Amount of XXXX from your credit report. 
In response to your dispute, this item was DELETED from your credit report.

CMRE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The company navient has lost my trust and hope to ever pay back my loans. I never can get the right amount I owe. The numbers change constantly on paper and over the phone. I Have been coerced I to getting money taken out of my paycheck but not actually telling me or exactly telling me that wouldnt happen even though they new thats what they where trying to get me to do almost ever time I call. I feel like the o my way to deal with them is by hdwritten letters thats how bad it is. They say if I pay XXXX dollars or XXXX they will forgive XXXX of dollars worth of loans. Nobody has yet given me a number in years and nobody knows? Something is quite not right here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I called synchrony bank and spoke to several managers and employees and finally spoke to supposedly the highest manager XXXX employee ID XXXX. I requested a copy of my XXXX billing statement but was unable to receive a copy to this day. I had misplaced the original copy mailed to me and didnt realize it would be pure XXXX to obtain another copy otherwise I would have secured it. XXXX advised they do not email fax text or any other format other than mail will send me a copy of my billing. Also the mailed copy can only be received 7-14 business days. The issue I explained I had was I was closing on a mortgage of a home purchase and needed the documents within 3 days. I was advised they can only fed ex it to me 3-5 business days as the only other alternative. I expressed how urgently I needed my own statement but no employee nor the manager cared. He spoke with attitude and could care less about my issue. I am not asking for much just my own statement and as a creditor it should be their responsibility to provide documents quickly and efficiently. I was unable to purchase the home due to lack of this documentation. I asked for an online option through their online application but they advised because I was not previously signed up for the online billing even though I signed up on XX/XX/XXXX they still would not send me a XXXX statement. I am furious and want this to be addressed. I asked for my terms and agreement where it says they will refuse sending me documents if I need them quicker and received a letter from them with terms that I read and do not include any explanation for why they can not send it electronically to me or fed ex over one day. In fact I to this day have not received a copy of my XXXX statement. This is unacceptable! I asked how I can complain from XXXX the manager and he gave me only the address XXXX XXXX XXXX XXXX XXXX Utah XXXX and I sent them a letter. He had no phone number to provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is regarding Violation of verification and reporting of auto loan from XXXX XXXX XXXX. Negative items ( auto loan ) on my credit report ( s ), where I personally contacted the creditor and they could not locate any accounts under my name. I was also informed by them that that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, XXXX, and Equifax are reporting a negative auto loan also reports as joint account? Your assistance is greatly appreciated. 
Out 3 CRA only Equifax is the one that is reporting account of joint auto loan outdated SINCE 2015, not my account/ never had auto loand with XXXX XXXX XXXX incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Have a paypal account with purchases to default to my checking account I just received a statement that shows changes to pay pal credit and a late fee. 
I did not authorize these charges to my pay pal credit account. 
When I call the customer service number no person is ever available to talk to you you just get an automated system to make payments. 
They really have no dispute process just a pay process. I need a person from pay pal credit to communicate with me on this disputed matter. As a result of their stonewalling they are charging exorbitant late fees to my account on charges I did not authorize them to make.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: WA

Complaint narrative:
I was advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: WA

Complaint narrative:
I was advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent disputes to Equifax, XXXX, and XXXX about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from Equifax, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank keeps lowering my credit limit on my accounts so that it appears that I am over my limit or close to my credit limit therefore lowering my credit score. This keeps happening repeatedly and its ruining my credit score. They are responsible for this and I will pursue legal action if this isnt looked into. I have read numerous complaints on line from other consumers this is happening too. 
Example of this issue is I had a {$1200.00} limit on a Walmart credit card, I rarely use the card. I used it and had XXXX on the card and the next month I got a letter in the mail saying my credit limit was lowered to {$500.00} I did not use the card any further and continued to make on time payments on it. I got the balance below XXXX and then they further lowered my credit to XXXX As I pay the card down they keep lowering my limit thus appearing as though my card is almost maxed out. 
Did the same thing with a XXXX XXXX Credit Card, limit went from XXXX to XXXX, to XXXX after I used the card one time and made purchase for {$120.00} Upon paying off the balance they then lowered my limit to {$150.00} I have cut the card and thrown it out as I can not be bothered with this bank. They keep buying out other credit card companies and are managing the majority of store accounts. 
They need to be investigated because they are ruining peoples credit and this practice seems unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received monitor alert for things that I have no knowledge for or have applied for. All three credit reports reflected XXXX XXXX XXXX with a date of fraud starting XX/XX/XXXX with a total fraudulent amount of {$5200.00} which is now being collected by a company called Fair Collections and Outsourcing. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX, XXXX, and XXXX   with dispute letters stating I reside in the state of Texas at my current address since XX/XX/XXXX. I do not live in Illinois. I sent my identification with my signature and my proof of address. I contacted them about fraudulent accounts being on my credit report as well as XXXX XXXX XXXX and Fair Collections and Outsourcing that someone obtained an apartment in my name and I wanted this unauthorized account to be deleted. As of XX/XX/XXXX the {$5200.00} is still reporting on my credit report. This has not been removed. I have proven this is not me and I am not getting any assistance to remove these fraudulent items from my credit reports which is hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent disputes to XXXX, XXXX, and Transunion about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from XXXX, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent disputes to XXXX, Experian, and XXXX   about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from XXXX, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I have requested debt validation from Franklin Collection Services for a medical debt of {$210.00}. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not gotten a response. This debt is not owed by me. There is no contract shown that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: NC

Complaint narrative:
My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following accounts need to be removed immediately. It is fraud!!! 

XXXX XXXX XXXX {$570.00} Opened 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 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
Today I found fraudulent collections reporting to my credit. So I reached out to the number provided on my credit report and they are claiming I owe an ER bill from XXXX. To be clear This debt is not valid and I does not belong to me. I have already disputed this with the credit bureaus. They reported the date on my credit report in XXXX and not in XXXX, Which I believe violates the FCRA and FDCPA. I had this same issue with the previous creditor and let them know it was fraudulent, disputed it and had it removed. It appears as if it was sold to this company. During my call today I advised them of the situation and let them know to remove it from my credit report. The supervisor I spoke with refused to help me with this and said she will put notes in the account. I asked to speak to someone who will help me with removing this fraudulent debt, the supervisor would not give me any information and hung up on 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 2019-04-18 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:
XXXX XXXX XXXX is not my account. this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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:
XXXX XXXX XXXX is not my account. this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My late son had me co-sign for his student loan a few years ago. He died in an accident XXXX XXXX in XXXX New York. I informed Navient and made some payments. Late 2018 Navient informed me that they would satisfy the loan with a one time payment of about XXXX dollars. I mailed them the check and about a month later they returned the money noting an overpayment. However my credit report shows a student loan balance of XXXX XXXX dollars. I notified Navient and the three credit reporting agencies and provided a copy of my sons death certificate. The reporting agencies show an active account when in fact the loan should be paid off and closed out. This negative information is affecting my overall credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I recieved the enclosed bill asked for verification/authorization to bill my insurance company To date I have recieved the requested information.The medical provider XXXX XXXX attempted to bill XXXX my insurance company for a service I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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:
My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  The following accounts need to be removed immediately. It is fraud!!! 

XXXX/XXXX  XXXX XXXX {$570.00} Opened XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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:
My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following accounts need to be removed immediately. It is fraud!!! 

XXXX/XXXX XXXX XXXX {$570.00} Opened 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