vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My social security number was compromised in 2017 ; I have successfully called all accounts that did inquiries or opened accounts in my name during the time period in question, and Walmart is the only one who refuses to remove the inquiry from my credit report. Their reasoning is that I can not verify the information used to apply for the walmart credit card that someone else applied for using my social security number ; it's a bit difficult to do that when I have no idea who was using my social security number or what address they used to apply for the account. I would like for this inquiry to be removed from my credit report.

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 2019-07-09 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: Equitable Acceptance Corp
State: TX

Complaint narrative:
I was contacted about student loan consolidation. I agreed to consolidate my student loans as this would save me money on a monthly basis. I was entered into an agreement with a company called Equitable Acceptance who has been charging me $ XXXX/month for the past 18 months. To date, I have paid this company {$880.00} and still have an outstanding balance of {$910.00} which means I will end up paying this company {$1800.00} for document preparation services to consolidate my student loans. I was unaware that I would be charged this massive fee, had I known, I would not have engaged in any agreement that would cost over {$1800.00}. After researching this company further, they are in active litigation for unfair collection practices and fraudulently charging customers. They currently are unaccredited with the XXXX and have an F rating. I will be de-authorizing the automatic payments through my bank effective immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
First experian credit bureau company let these people mess my credit up with these inquires and these accounts that was place on there from medical file also i have a XXXX XXXX XXXX and this is very stressful looking at this and seeing 82 inquires that they let people getting away doing people like this is unfair u cant understand nothing they say on the phone and they messing up your credit this is really unfsir

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 2019-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The loans are giving me hardships due to not being able to live off of the income post loan payments. We never missed a loan payment at all and should be able to have some help in this stage. Also, the school misled us ( Co-Signers and Borrowers ) on the loan payments nor the amount of money each semester. They also mislead most students on how they said they would offer help to the graduating students on getting jobs in their field and almost half couldn't get a job in their field at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TN

Complaint narrative:
I'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. I've reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and I need these items deleted from my credit report. 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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX came out to the house to get new service but unsuccessful because there is/ was no land line to my house. All equipment that technician left and was never connected returned to the store. I have receipt. No connection available to my neighborhood. They charged me for services never rendered, never had internet or cable with them. I went to their store to dispute charges. They gave me credit. I have receipts. Communication between store and billing was never accomplished. Bill went to collections agency!!! Not fair it ruined my credit. I attempted several times at XXXX store. 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 explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: AZ

Complaint narrative:
I refinance with Vantage West Credit Union in XXXX AZ, and the Closing Date that I signed was XX/XX/2019, the last company that I was with was Stearns Lending. Stearns Lending transferred my loan to XXXX XXXX XXXX on XX/XX/2019, while on the XX/XX/2019 Stearns Lending received a wire transfer to pay off the loan from XXXX XXXX XXXX in the amount of {$230000.00}. XXXX XXXX XXXX have a confirmation of wire transfer and was cleared by their bank. 

Today XX/XX/2019, I got a email from a company called XXXX which is affiliated with XXXX XXXX   XXXX saying that I have a payment due, XX/XX/2019, that is when I realized they transferred the loan. 

Today XX/XX/2019, I called XXXX and they said they have my loan, then called XXXX XXXX and they said that they had my loan as well but are not affiliated with NewRez or Shellpoint Mortgage Servicing. Then I called XXXX XXXX XXXX and then we called Stearns Lending. Stearns lending said that they can not find the payoff for my loan and that they transferred it to XXXX XXXX XXXX on XX/XX/2019. We spoke to XXXX XXXX XXXX. XXXX from Stearns Lending and gave us a referance No XXXX, for this 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 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
About 3 months ago I tried to apply for the American Express Gold Card after seeing that I was pre-qualified for their welcome bonus offer. I applied for the card, but once filling out the application I was met with a screen saying I was not eligible for the welcome offer. The message stated the following : " ... based on your history with American Express welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer. '' It then gives you the option to continue without receiving the welcome offer or cancel the application. I canceled the application as I was promised a welcome offer. The issue is at that point I have only ever had 1 credit card ( XXXX XXXX XXXX ) which was with them, I haven't had a balance transfer, closed an account, or met any of the disqualifications they mention. 

After calling American Express a few times and finally speaking to a manager they said that it was odd that this was happening as they don't see any issues from my activity. They said they would escalate it to an investigation and I haven't heard back from them. When I called to ask about the progress of the investigation the supervisor I spoke to said there was no investigation on file. I simply just want what I was advertised or atleast an explanation as to why I don't qualify, because the reasons they are giving make no sense based on my credit experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: WA

Complaint narrative:
I am participating in the Public Service Loan Forgiveness program, and they have not provided with information regarding how many eligible payments I have completed. Despite multiple attempts at contacting them ( MyFedLoan ) for over 1 year asking for updated qualifying payment information, I have not received any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: TN

Complaint narrative:
I'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. I've reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and I need these items deleted from my credit report. 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 2019-07-09 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 in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report again and I saw a couple of items on my credit report that are not mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
According to the National Consumer Assistance Plan,  credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. 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 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
According to the XXXX XXXX XXXX XXXX, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the XXXX that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages XXXX of the XXXX because it corroborates the policy set in place that I am talking about. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I was given XXXX orders overseas and I was 2 car payments behind due to some medical bills. I did inform the finance company ( South East Toyota Finance ) why i was two payments behind but They understood and gave me time to try to catch up. I was then given XXXX orders and I used the SCRA to try to return the vehicle two weeks before I left in XXXX of 2019. I called the finance company and they said fax them the letter. I faxed them the letter. I called back the next day and they told me the letter needs to state where I was being XXXX too. Which we trained to not talk about movement in the military. Next I got the letter change by my administration office. They accepted the letter the day I left on XXXX so my wife was give a power of attorney to return the vehicle. Upon return she was given a piece of paper of them accepting the return. Currently XXXX I look at my credit report and it shows a repossession of the vehicle. From my understanding a repossession takes a court order with an active duty military member. Im no lawyer though. I was given a very difficult time through the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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 in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report again and I saw a couple of items on my credit report that are not mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items need to be deleted from my credit report. XXXX XXXX XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FCC { 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 2019-07-09 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REMOVE THE DEROGATORY ACCOUNT OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE ACCOUNT. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND CORRECT YOUR REPORT FOR THOSE ACCOUNT WERE INACCURATELY PLACED ON MY FILE.

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 2019-07-09 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REMOVE THE DEROGATORY ACCOUNT OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE ACCOUNT. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND CORRECT YOUR REPORT FOR THOSE ACCOUNT WERE INACCURATELY PLACED ON MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i disputed the account because it has a debt that is not correct. i sent over a letter to receivable management services that are collecting for progressive for debt validation. They sent me a paper stating that the policy was effective XX/XX/XXXX and i cancelled it the same day due to the fact that i got a better rate with XXXX. Today i called them to give me a break down on this debt, and they had no information pertaining to this. The representative did state that they do not hold any documents because the of the year of the debt. So the information that they provided to me is not a debt validation of any form. Also she stated that the calls are being monitored and recorded, so she stated that she will see if XXXX can come up with a bill that shows payments. Also stated she said the last payment was in XX/XX/XXXX, but couldn't verify last payment information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: VA

Complaint narrative:
There was a Company name Receivable System Inc. sent notice to me on XX/XX/2019 to pay 1 Company debt. I requested that company to first show me the evidence that what evidence they have that I want to pay the debt to the company. And I informed this also that within 30 days they won't need to touch my credit report and if they touch it I can take some action under them if I see if negative item. I can give them 30 days to investigate and sent me to result in the mail. 

It's been 30 days and more they didn't send me to investigate result and placed their name in my credit report as a collection agency. 

So I want to report their name to CFBP to help me solved that problem. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates LLC XXXX XXXX  XXXX XXXX, Ca XXXX We have Paid in full many of our accts with this company. They just keep coming at us now on accts that have been paid off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Portfolio has not notified ... the prior collection agency or agencies money has been paid for the same accts either. 

That they are paid off in full no negotiated amount. To XXXX XXXX, and or XXXX XXXX paid {$320.00} ck # XXXX Paid to XXXX XXXX XXXX XXXX ... ( XXXX, and XXXX XXXX Also ) XXXX XXXX {$410.00} ck # XXXX Paid to Portfolio Recovery XXXX XXXX {$370.00} ck # XXXX ( is XXXX, XXXX  XXXX also ) Paid to Portfolio Recovery XXXX {$260.00} ck # XXXX ( Which is XXXX, & XXXX ) Paid to Portfolio Recovery They have accts for both me and my huband and the amounts paid are for all the accts we have with the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: VA

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I still see items that aren't mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf, I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( lnquiries ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief