vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I attempted to refinance my student loan with my current student loan company XXXX XXXX. I applied with a co-signor who is not a XXXX XXXX of the United States. At first, I was unsure if my co-signor would be eligible, however on XX/XX/XXXX, I contacted the company and was informed that co-signors were allowed if they had certain US XXXX. I sent my co-signors XXXX information and provided all the documents that were required. I was approved for a fixed payment of {$1500.00} for 15 years. Sofi required a few documents to complete the application, which were provided. On XX/XX/XXXX at XXXX XXXX I received a call stating the only item that was needed was a clearer copy of my co-signors ID. The ID was uploaded to Sofi 's  website at XXXX and I was told on the previous phone call that my loan would then go forward at the original terms. However, I received an email at XXXX XXXX on XX/XX/XXXX stating Sofi was unable to offer me credit as I was previously approved. They offered terms at a higher interest rate with a monthly payment amount of {$1600.00}. Sofi 's reasoning to increase my interest rate was my income differed on my application. On XX/XX/XXXX, I called Sofi to  discuss why my income had differed because I had inputted my correct income. I was informed my income was not the issue, but Sofi was unable to accept my co-signor. On this call I was told it was not their policy to accept a co-signor who is not a XXXX US XXXX. This information contradicted the previous information they provided and Sofi had been in receipt of  my co-signor 's XXXX information as of XX/XX/XXXX. However, as of XXXX on XX/XX/XXXX my  application was being accepted with my co-signor. It seems my interest rate was increased at the last hour in order to get my to pay a higher interest rate. I attempted to refinance my loan because I am currently in an adjustable rate and it continues to increase. I am beginning to struggle to make the payments and this will continue to worsen if my interest rate continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. Hence, as per Barclays, the incoming funds were rejected and sent back to XXXX on XX/XX/XXXX using  tracing # XXXX. XXXX says that they did not receive the rejected funds from Barclays and the tracking number provided is no good. Contacted Barclays many times but no one was of any help

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 2018-06-19 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: NM

Complaint narrative:
on XXXX I received a promo email from XXXX XXXX so on XXXX I called XXXX to inquire about deals they had for me as a long time XXXX XXXX XXXX customer. The lady verbally stated offers that conflicted from what their website showed. I told her it sounded like a scam. she asked for my SS # to run a credit check. I told her I would not allow her to run a credit check and was only inquiring about what deals they had. She asked for my drivers license #, once again I told her I would not allow her to run a credit check and there should be no need anyway if she was indeed XXXX XXXX because I was a long time XXXX XXXX XXXX customer. I finally hung up on her. I called XXXX XXXX XXXX on XXXX to inform them of my bad experience with her telling me about deals that could not be confirmed on the website. He apologized on her behalf. on XXXX at XXXX XXXX I got an email from XXXX XXXX saying XXXX XXXX had ran a hard inquire on me. XXXX XXXX at XXXX XXXX I received a call from XXXX saying she was at XXXX XXXX call center in Texas and was scheduling an install.I explained to her the phone conversation ion Saturday as well as the hard inquiry. she said she would have the inquire removed but needed an email for me for the credit reporting agencies. She then said she could not take my email because it was too long ( XXXX ). I called XXXX XXXX XXXX XXXX and spoke to XXXX. He was not helpful and kept saying I had ordered services. I asked for a floor manager, he put XXXX on the phone XXXX who was not much help either and said I should put a freeze on my credit. he did finally agree to call me by the end of today to tell me if the two ladies I spoke with here their employees. he would and could do nothing more for me except sell me XXXX XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Experian XX/XX/XXXX to have the incorrect information removed from my credit report. 
Experian has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Experian received on XX/XX/XXXX at XXXX. ( Tracking Number : XXXX ) It appears that my rights have been violated according to the FCRA.

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 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX XXXX evidently turned over an unknown account to a collection company called Convergent. I have not received any correspondence from this company or phone calls. I work for a small company as in order to purchase office supplies, etc., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for Convergent could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.

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 2018-06-19 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:
Experian, XXXX and XXXX all have supposedly investigated my claim that : 1 )  XXXX XXXX of XXXX XXXX, XXXX. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record.

2 ) None of the three, Experian, XXXX or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.

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 2018-06-19 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX - I launched a dispute with XXXX regarding a late payment with Toyota Financial which occurred in XX/XX/XXXX at the time I contacted the company to change my payment due date from the XX/XX/XXXX to the XX/XX/XXXX earlier in the year which had not been changed by Toyota and still reflected the due date of the XX/XX/XXXX. I was late in payment for the month of XX/XX/XXXX/XX/XX/XXXX but requested the removal of the late payment via XXXX. After the investigation the one late payment was changed to reflect 3 late payments occurring in XX/XX/XXXX/ XX/XX/XXXX/ and XX/XX/XXXX. I disputed this new reflection with XXXX providing payment statement withdrawals, the letter dated XX/XX/XXXX asking for a change of due date to Toyota Financial, and a personal statement explaining the situation regarding the one late/none payment in XX/XX/XXXX/XX/XX/XXXX. After the investigation the results were the same/none changed. I then disputed the reporting directly with Toyota Financial on XX/XX/XXXX and received a letter XX/XX/XXXX stating that there reporting was accurate when it clearly was not. 
I believe that Toyota Financial is unwilling to fix the credit reporting of my account as a form of retaliation for signing on to the XX/XX/XXXX-XX/XX/XXXX class action lawsuit earlier this year and would like to have a neutral party review the information to confirm or deny my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I just received a copy of my credit report and I found more hard inquiries that are unknown and fraudulent, I immediately contacted these companies and also called Transunion but they didn't help me. This is a very serious matter, someone has been using my credit and I need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, I just place a fraud alert on 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 explanation
Consumer complaint received 2018-06-19 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: IN

Complaint narrative:
XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with XXXX   University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXX XXXXXXXX ( XXXX  ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) Experian has not marked the account on my credit report as " Disputed '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.

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 2018-06-19 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: NCC Business Services, Inc.
State: GA

Complaint narrative:
I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount. 
Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount. 
Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos )  Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. 
I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution.

( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear sir, We made a {$42.00} purchase using XXXX shopping card ( XXXX ) on XX/XX/XXXX. 
We never received invoice or email alert to pay in time. 
First printed bill we received in month of XX/XX/XXXX.

We talked to make payment with minimum penalty if applicable. Person asked us to pay {$100.00} as full and final payment including all penalties and interest and closed our account on XX/XX/XXXX. 
In month of XX/XX/XXXX we surprised by a letter received by their collecting agency. 
Call from unknown number talked for related debt collection and after that they registered with credit bureau. 
We request you to do needful and help us out from this unfair system of extortion. 
Thanking you. 

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 monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have contacted this company 4 times, each time I get a different story. I would like to get this debt settled but XXXX XXXX says that they will not remove or delete this off of my credit file.I have offered to pay them 30 % of XXXX which come to XXXX. I learned they bought this debt for XXXX from XXXX. Everyone I spoke to was nice but was never able to assist me with this issue. I would like this item completed removed from my profile. I have asked them to please send me a letter to my address on their letter head stating that once I pay this amount they will remove and delete this from my credit report. Please help I would like to soon move into a home and this derogatory mark is preventing me from home ownership. Please CFPB I really need your assistance on this.

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 2018-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I have repeated been in contact with the company : NCA - National Credit Adjustors NCA # :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX I have reponded to all phone calls and correspondence by this company to explain that this debt has been settled with the original creditor. They continue to harass, report negatively on credit, and attempt to collect a fraudulent amount. 

They are purchased this debit in hopes of gain

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
After a Leave of Absence ( LoA ) for one semester I am in the process of being re-enrolled for the Summer and am already enrolled for the Fall semester. For some reason XXXX, my loan service through MEFA, is trying to get me to start paying my student loans starting this summer. This is despite the fact that I still have about two more years of school left to complete. I have contacted XXXX and attempted to correct this numerous times but no progress has been made. I had my registrar at my college fax in my enrollment history including next Fall, but I received a letter ( from MEFA ) saying that my loan deferment was declined, supposedly because the documents they received were " illegible ''. XXXX has said that I need to be in classes again by XXXX in order for my loan payments to be deferred until after I graduate again. This is ridiculous because the Fall semester at my school starts a week or so after XXXX 's deadline. I am now waiting to get approved for summer enrollment which they say will enable me to defer payments, however XXXX has refused to give me any slack while I'm awaiting the approval and if the approval from my school comes too late I have to start repayments and I am totally XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLX Systems/ Westwood Management
State: TX

Complaint narrative:
I was attempted to be contacted by a person posing as a process server from a spoofed local area number ( not a working number when called back ) stating that they couldnt contact me so they were going to call my place of employment and supervisor as means to get ahold of me stating there was a location order out for me. They also contacted a friend and family member of mine stating that they were looking for me to serve a subpoena. The RECORDED message on my phone stated that I could stop any legal action by contacting your office at XXXX. 
There is no subpoena on record with the local court in XXXX County and no order of location out for me either ( last I checked those are issued in family court on child custody cases ).

Company response to consumer: Untimely response
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called to apply for a home mortgage with XXXX XXXX XXXX XXXX mortgage loan officer. i was promised the mortgage over the phone but further interaction proved futile in an attempt to get even a pre approval for a home mortgage. i finally began and finalized a mortgage with another company. very poor service.

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 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
spoken with XXXX, transunion, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.

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