vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: Conduent Incorporated
State: AL

Complaint narrative:
Repeatedly having to call GoCard to inquire about 2 transactions that were not autborized to be withdrawn from my account. This company on every occasion keeps a customer on hold over 2 hours. Once you finally speak with someone they state they will send you paperwork to fill out. It will take 45-90 days for the investigation to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: GA

Complaint narrative:
I was misled while enrolled at the University XXXX XXXX to think after obtaining a degree that they would help with job placement. I remember a guy named XXXX XXXX being my enrollment advisor, but work in my field never came. I've taken odd jobs to try and pay off the debt, but it never seems to go away. I've tried applying to jobs without listing XXXX   as a college I've attended and gotten interviews. I've been told my job recruiters that they don't see a degree from XXXX as being valid. I was told while enrolled my 4 year degree was going to cost about XXXX. I later on found out that after interest it's about XXXX owed. I was tricked into signing a promissory note with my advisors at the XXXX. I was told that financial aid was accepted and because I had credits from XXXX XXXX that they'd do the legwork for me in having those classes transferred over. It wasn't until later that I found out that was a lie and regardless if I quit or continued classes I'd still owe XXXX in full. Young and afraid with not much help from anyone to guide me I believed my advisor at XXXX. Not until recently I've researched the XXXX and read alot about other student 's dissatisfaction while enrolled and possible lawsuits. I'm just looking to have my loan discharged because they failed to land me a job after finishing my course and they failed to educate me at XXXX years of age on what a promissory note was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loan company filed and never withdrew complaint filed with court system. Talked to company the first time about why they didnt withdraw due to payment sent to company. Was told Id get a call from supervisor after 24 hours, had to call them today ( 3 business days ) and been on hold more than 1 hour ( have screen shot of timer ) with court date scheduled tomorrow I didnt really want to have to take time off work to be in court for something unfounded. Not given any straight answers as to why this has even not been taking care of.

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 2020-01-14 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT IS REPORTING ON MY CREDIT. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO IDEA AS TO HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-14 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT IS REPORTING ON MY CREDIT. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO IDEA AS TO HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-14 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: College Assist
State: AS

Complaint narrative:
My wife and I have been paying our student loans through XXXX. Around XXXX or XXXX, our loans were no longer serviced by XXXX. My loan went back to my original lender and we were never informed to where my wife 's loan went. As a result her loan went into default because we did not know who to make payments to. Her loan went into default and we were able to get it out of default within a year. Unfortunately our XXXX tax return I believe went straight to the student loan due to being in default. We are tying to get an accounting to see where the money went. If it did go towards our student loan? and if it did, Why is our student loan still high? were there other ridiculous fees added on? We've been trying to contact XXXX XXXX XXXX XXXX , College Assist, and XXXX XXXX XXXX who were all involved. But they seem to be " passing the buck '' to each other. In Summary : 1. Where did my tax return money go to? approx {$7000.00} or {$9000.00}, I'll double check 2. If it did go to my student loan, ... Why hasn't my Total amount significantly decreased?

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 2020-01-14 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: SC

Complaint narrative:
THE ACCOUNTS BEING DISPUTED ARE ACCOUNTS THAT WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE ACCOUNTS COMPLETELY REMOVED OFF MY CREDIT. THOSE ACCOUNTS HAVE CAUSED GREAT HARM AND I WOULD LIKE FOR THOSE TO BE PURGED INCLUDING THE INQUIRIES LISTED.

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 2020-01-14 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: Conn's, Inc.
State: TX

Complaint narrative:
this started in XX/XX/2019 over a financing of flooring at XXXX XXXX XXXX XXXX Texas XXXX financing was originally done in XX/XX/2019 first payment was XX/XX/XXXX for 24 months which I requested 36 months and they would not accept 36 months they would only do 24 months. The date I went to them to do a renewal was XX/XX/XXXX spoke with XXXX XXXX and she did the renewal for the 36 months that I requested for at first. First payment was XX/XX/XXXX which I had paid monthly since the renewal but for some reason Conn 's Office has been calling and harassing me over {$350.00} for this loan that as already been renewed back on XX/XX/XXXX for 5 months every week 3 to 4 times a day I have received threating phone calls and message 's from Conn 's Office. They put this on my credit as delinquent and late fees and refused to take this off knowing that this loan was already renewed back on XX/XX/XXXX. As of XX/XX/XXXX I have received another threating message and phone calls. I have tried on several occasion to resolves this with different other organizations of Conn 's to get this matter resolved with out any resolutions in the matter. I also tried to contact the Corporate Offices in Arkansas but once again no resolution what so ever for the matter. These are the Account numbers in which are the issue 's consist of Account # XXXX closed out and this is the current Account # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I found out that there are several accounts reflecting badly on my credit report today XX/XX/20 when I was denied from opening a credit card at my bank. None of those accounts belong to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts. I have never had any written/verbal contracts with any of these companies.

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 2020-01-14 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: CA

Complaint narrative:
I found out that there are several accounts reflecting badly on my credit report today XX/XX/20 when I was denied from opening a credit card at my bank. None of those accounts belong to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts. I have never had any written/verbal contracts with any of these companies.

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 2020-01-14 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: CA

Complaint narrative:
I found out that there are several accounts reflecting badly on my credit report today XX/XX/20 when I was denied from opening a credit card at my bank. None of those accounts belong to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts. I have never had any written/verbal contracts with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
In 2011 we assumed a loan from Loan Care for our current home. This was a seller financed home and the loan was being serviced by Loan Care. It was required of us that we seek our own financing. They wanted us to find financing quickly, however shortly after moving in my husband was diagnosed with XXXX and our focused turned to his treatment. I recently got a refinance and paid the loan off. When the lender requested a pay off it was noted that there was a XXXX XXXX early payoff penalty that was never disclosed to us. We never received a promissory note. Only an addendum noting that we assumed the loan. I have done much research and found out this is illegal. I am requesting that we get that money back since it was included in our payoff total. Owner name 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 2020-01-14 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: SC

Complaint narrative:
THE ACCOUNTS BEING DISPUTED ARE ACCOUNTS THAT WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE ACCOUNTS COMPLETELY REMOVED OFF MY CREDIT. THOSE ACCOUNTS HAVE CAUSED GREAT HARM AND I WOULD LIKE FOR THOSE TO BE PURGED INCLUDING THE INQUIRIES LISTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: FACTUAL DATA CORP.
State: MI

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX factual data inquiry All of these are inquiries were reported to my credit without authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: CA

Complaint narrative:
I found out that my identity information was stolen and was opened a fraudulent account by XXXX XXXX XXXX. I submitted FTC Identity theft report to the credit reporting agencies and XXXX XXXX. Experian, XXXX, and XXXX have deleted this fraudulent account from my credit report, but recently, I discovered that Experian credit bureau reinserted the fraudulent account back to my credit report without my knowledge. I am a victim of identity theft.

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 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC
State: NJ

Complaint narrative:
Somebody named XXXX from XXXX and phone number XXXX keeps calling to try and collect debt. She does not say what the debt is in relation to, and they have not sent me written notice of the debt. I have no unpaid debt and am not behind on payments for my mortgage, so this call is not legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: DISCOVER BANK
State: CA

Complaint narrative:
I found out that my identity information was stolen and was opened a fraudulent account by Discover Financial Services. I submitted FTC Identity theft report to the credit reporting agencies and Discover Bank. XXXX, XXXX, and XXXX  have deleted this fraudulent account from my credit report, but recently, I discovered that XXXX credit bureau reinserted the fraudulent account back to my credit report without my knowledge. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Contact was made to PayPal Credit regarding charges to our PayPal from XXXX that was not authorized. We made contact in XXXX who stated they were placing a freeze on the account while it was being investigated. We tried to access our account to see if the matter was resolved and saw a credit of roughly around {$120.00}. We called to find out what this was for and was told they investigated it and gave us credit for what we had paid on the disputed charges. We asked several times if that balance was ours to use. We were told several times yes. The balance was used and we continued on using our account, paying the balance in full until we saw 3 charges of {$75.00} with a description of XXXX. After being on hold for 45 minutes, speaking to a young lady who told us we were double credited. We advised we were told that was our money to use. When asked for the date and notes from that conversation, we were placed on hold and transferred to the Fraud department. We spoke with XXXX who did not give a last name because they do not give out last names and stated she was an account manager. She explained it was credited to us twice. I asked for her to look at the conversation we had in XXXX and she claimed she did not see it. She stated we may have spoken to another department however the notes from other departments are not in the same system or can be seen by her. She claimed she was the highest person in charge and no one else she could transfer me too. PayPal claims they over credited us after telling us that was our money to use and now almost 2 months later they are charging us back. I think it is not fair to charge us for a mistake made by PayPal and XXXX was not helpful at all. We want a clear breakdown and explanation of the charges. We can not see everything properly because of the freeze placed on the account and it being transferred to a new account. At least that is what was explained to us in XXXX. I wish for PayPal to own their mistake and not charge us 2 months later after they advise us of the credit and the matter resolved.

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 2020-01-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is incorrectly reporting information to XXXX, XXXX  and XXXX. They are reporting to XXXX  that the open date on an account is XX/XX/XXXX and reporting to XXXX and XXXX  that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates? 

I have asked all three bureaus : XXXX, XXXX and XXXX  to provide me with a copy of an original contract with my signature to prove I indeed have an debt with Wells Fargo and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights. 

The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
Incorrect " at fault accidents '' when the events were actually hit and run. The persons who hit my vehicles left the scene. I was not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED SO MUCH STRESS AND HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. ITS CLEAR THAT FRAUD PLAYS A VERY IMPORTANT ROLL IN THIS MATTER. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account comefrom but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation