vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-01 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: TX

Complaint narrative:
Equifax has posted an account from  XXXX   XXXX  stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.   XXXX   XXXX   XXXX   XXXX   XXXX  {$3300.00} Charged off account Fixed rate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am in a XXXX program for XXXX XXXX studies. I applied for an XXXX loan at Discover and was denied because I am not a degree-seeking student. I called Discover back for the second time and spoke to a woman on the phone and explained all of these details in depth to her. I explained I was technically a XXXX XXXX, was technically an XXXX but already had my degree, etc. We spent I would say 10-20 minutes on this recorded phone call. In the end she said Discover could in fact help me out based on that information and to go ahead and apply for a XXXX loan. I did so, was approved, and had my mother co-sign on the loan. Because of this we each had hard credit checks ran so we have added inquires on our credit reports. After more time I did n't have to lose financially had lapsed and some added pressure on my school, I found out that Discover in no circumstances whatsoever loans to XXXX/non-degree-seeking students. On top of that, Discover themselves never sent an e-mail with the information that I was denied or sent an account notification that would have generated an e-mail. I now have no student loan, have to apply somewhere else again, lost precious time, and an extra inquiry on my credit report all because of a Discover employee. I expect the company to do anything they can to retract the credit inquires from the companies as to not damage my credit score and that of my mothers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX  has posted an account from Wells Fargo stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.         WELLS FARG O DLR SVC {$3 300.00} Charged off account Fixed rate

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 2017-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to  one dealership and asked them to talk to one ban k about doing a car loan. This dealership and tried to get deal approved with other banks which I did not authorize them to do.        
Bank  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 2017-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on debt that is not valid. Currently, payments are being made to a federal entity which reflects on my credit report. I have sent XXXX XXXX XXXX proof of the payment consolidation and the Alltran refuses to delete from the credit file. In addition, the account from the same original creditor ( XXXX XXXX  University ) was deleted from credit file from all three credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX 2016 and now is re-appearing on my credit file for XXXX after deletion. I faxed in all proof to XXXX XXXX XXXX and disputed inaccuracy with Butter Business Bureau and Consumer Finance Protection Bureau. The company has refused to delete this from my credit file. This account is being paid under XXXX XXXX XXXX XXXX which reflects on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: MI

Complaint narrative:
I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
As early as  XXXX   XXXX ,    2016 I disputed the accuracy of the reporting of a Synchrony Bank/Walmart account -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. ( see attached ). I never receive d any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,    2016. ( see attached ) My  understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable

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 2017-07-01 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: MI

Complaint narrative:
I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.

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 2017-07-01 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: MI

Complaint narrative:
I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.

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 2017-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I had student loans with XXXX. They were transferred to Transworld Systems. The original amount was XXXX XXXXXXXX. We agreed to a settlement of XXXX XXXX. I made every payment as agreed to with automatic deduction from my bank account. This started on XX/XX/XXXX. My final payment was made on XX/XX/XXXX. There was additional withdraws set up for my account. On XX/XX/XXXX, I spoke with XXXX ( A supervisor ) about that. At that my point my balance showed {$7300.00}. Accoprding to my settlement agreement, I owed {$2200.00}. XXXX agreed that according to records this was correct and we scheduled two final payments. XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$1000.00} and that would complete my obligation. I spoke with XXXX again on XX/XX/XXXX and she stated that the account was paid and a request to remove from my credit report would be made. I also requested a letter stating that I had paid the account and have received that and attached. <P/>The Collections were removed from my credit report on XX/XX/XXXX. <P/>On XX/XX/XXXX Transworld reported to XXXX that I have an open collections account for XXXX XXXX. I have tried and worked hard to bring my credit score and repair my credit. I was doing great. This crushed that. I was denied a loan and could n't figure out why. Then I checked and saw this. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: FL

Complaint narrative:
In late XXXX I celled Navient in reference to getting information about their loan consolidation process ( and the public safety loan forgiveness program ). I was told to fill out the loan consolidation paper work and submit it. Once I got the confirmation letter stating that the consolidation was being considered, I called and spoke with a lady about the terms. Once she ( half heatedly ) explained the terms of the consolidation I declined it. She said she would note that I declined the loan consolidation and send me further information because I did not understand the terms. I stated on their recorded line several times during that conversation that I declined the consolidation and then we finished our conversation. I assumed that that was that. About four weeks later I get information in the mail stating that my first consolidation payment is due XX/XX/XXXX.  I called again and spoke to a gentleman who said he 'd speak to a supervisor about me declining the consolidation. They said that they would investigate the recorded phone lines and get back to me in seven working days. Now, I can not get any answers and the consolidation payment is due. I am concerned that if I make the first payment that that will seal the deal. Can they actually do this to me. The loan is for XXXX months and the interest rate is like XXXX  percent. I did not give them permission to do this. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This has been going on since   XX/XX/XXXX . The loan just keeps getting larger and larger. I was set up with a 20 year repayment plan. That on  XX/XX/XXXX  w as told by nelnet servicer that it has started again. I still have 20 years to repay a fraudulent loan and it 's at  XXXX  now. This is abvously a scam I do n't intend to pay and rightfully should not. I 'm tired of the harassment and billing. I do n't trust the school or the servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
As early as  XXXX   XXXX ,  2016  I disputed the accuracy of the reporting of  XXXX  Chase credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,  2016 .   XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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:
As early a s   XXXX   XXXX  , 2016 I disputed the accuracy of the reporting of   XXXX     XXXX   credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on   XXXX   XXXX  , 2016.    XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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:
As early as  XXXX   XXXX ,  2016  I disputed the accuracy of the reporting of  XXXX   XXXX  credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,  2016 .   XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable

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 2017-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reached out to XXXX and Experian and XXXX on several occasions by CERTIFIED MAIL ( which I have proof of ), bringing it to their attention that XXXX XXXX was reporting inaccurately with the amount I allegedly paid to settle a debt and they have all refused to remove it besides XXXX. The 1st certifed letter was sent on XXXX X/XX/17. Second letter was sent X/XX/17. Third letter was sent X/XX/17.And the final letter was sent X/XX/17.. XXXX conducted a FULL investigation and realized that I was right and removed the inaccurate account from my report. Experian and XXXX have continously lied and said that it was verified as accurate which I have proof of that that is not at all true. I would like to move forward with a lawsuit and complaints against both parties for refusing to honor my rights as a consumer to only have ACCURATE information reporting on my credit 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 2017-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Sir Madam, On  XXXX   XXXX   2017 , I submitted a complaint to you about Experian reporting agency, they replied to me online that the public record is going to remain on my report, Just to let you know, I disputed that public record with the other  XXXX  reporting agencies  XXXX  and  XXXX , both have deleted the public record from my reports. Experian kept the public record on my report, although it 's false. Should Experian keep that info on my report, I will have no other alternative but to have a massive lawsuit against Experian. Currently I am in contact with  XXXX  NJ Bankruptcy court and my Attorney to process the lawsuit against Experian should they not delete the wrong information from my report. Experian answer is always the same without regard or consideration to any consumer what so ever.

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 2017-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday XX/XX/XXXX i deposited a check in the amount of {$2700.00} to my Bank of America checking account. On Tuesday i looked at my account and the deposit went through without a hitch. I started withdrawing funds from this check. On Wednesday Bank of America received notice from tbe check 's bank that the check was probably not going to clear. Wednesday i had made two online payments not knowing my bank decided to put a hold on this check. When i came home that evening and looked ay my checking account i was horrified to see that my account was overdrawn. The bank decided on Wednesday to put a hold on the account. I do not have a history of accepting bad checks or writing bad checks. If we went through my account we would probably find that the only time i was charged an NSF fee was when someone took money out of my account that i did not authorize. As of this date i have received absolutely nothing that there was a problem with this check. It is through my own vigilance thst i even know about it. My dilligence had the money replaced with a wire transfer on Friday, XX/XX/XXXX. The bank has charged me two NSF fees for the two checks i wrote on Wednesday. I do not think this is fair. The bank should have put a hold  on the check on Tuesday at the very latest. On Tuesday it did not appear that the bank was going to place a hold on it. How was i supposed to know not to write checks when they put the hold on the check on Wednesday? As i have already stated, i have received absolutely nothing from the bank letting me know there was a probkem woth the check. If i was not vigilant with my account, i could easily still be writing checks. Once i saw the hold, i did not write any more checks. I believe the bank should refund the two NSF fees. I spoke with a XXXX XXXX on Wednesday XX/XX/XXXX He is a supervisor in the California office. I have thought long and hard on whether this next statement is true. I truly believe it is. I thought he was noting the account not to charge me NSF fees, but there is nothing in the notes stating this. Yesterday i left a message for him to call ne. He has not done so yet.

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 monetary relief
Consumer complaint received 2017-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I wrote to Transunion and   XXXX   ask for it to be remove they its valid, but I went to the bankruptcy court and given me a statement letter saying they do n't provide the credit reporting agencies any information about reporting my bankruptcy, or how they got it.  XXXX  said its not showing on my report from them, but on my credit report under the bankruptcy it show  XXXX  name either they are lying or Transunion and  XXXX  is reporting it wrongly and inaccurately, I have all documents and letter I sent them and the respond letter and letter from bankruptcy court .Also the creditor    XXXX    is  still making inquiries on me and they repo the car years ago, I sent letters, got a response letter they said that they can do please investigate to see if they still pull inquiries on me and on my report after these year s, Im trying repair my credit score  and these to credit reporting agencies are reporting inaccurate information, thank you my contact is  XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX , (  XXXX  )  XXXX , thanks.

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