vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
In   XXXX   I applied for financial aid to attend  XXXX   XXXX  College. I applied for a student loan to cover the total cost of my expenses for the semester. A month and a half into the semester, I received an email stating that I had received too much money from the school. When I emailed  XXXX   XXXX ,  Direct Loan   Financial Aid Specialist, a bout it and asked for proof of why I owed the school, He could not provide me with anything. He wrote me an email, where he spelled my name wrong ( I do n't think it was intended even for me! ), and vaguely stated I owed the school money! Fast forward 4 years later, they have sold that debt to a debt collector nam ed Williams and Fudge to  the tune of {$3000.00}, which is negatively impacting my credit and also have held my grades so that now I 'm not able to continue my academics! When I disputed this account through the credit bureaus, they refused to delete it and sent me a faulty ledger, with dates out of place, and no signatures! I have done the math and It was not proper validation of debt that I owe then anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime
State: SC

Complaint narrative:
Drive Time is an National Buy here pay here car  lot who predatory practices are criminal. THEY sale customers a vehicle wort h  XXXX -   XXXX     XXXX  dollars mark it up on the lot to aroun d  XXXX -   XXXX   XXXX  then act like there getting you a loan when it 's a buy here pay there is no loan and the loan is at o ver 20-  30 % interest leaving you a bill of ov er 21k fo r a used vehicle worth  XXXX . I 'm sure there paperwork is in order when it comes to legal issues I just think the government needs to step in and do something about it its like me charging  XXXX  $ for a gallon of milk just because the time was rite its an immoral unfair business practice they need to be shut down or fined. There customer base is single parents and low income so they 're paying car payments every time they get paid meaning some months they pay over 600+ per month this product is not helping anyone but the owners of the company a  XXXX  sold for  XXXX  that 's  XXXX  profit will some one look into them thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Very unclear and difficult to deal with and their website is very hard to find information and I think my payments have not been applied correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This was previously disputed and Transunion failed to address this to the CFPB in the last dispute.     I am signed up for Transunions credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is the  6th tim e I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that Transunions credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.

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 2017-04-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I believe I am a victim of deceptive practices performed by Equifax,   XXXX   XXXX    XXXX , and TransUnion. I am paying monthly fees to track my Fico score with Equifax,  XXXX , and  XXXX . I have applied for  XXXX  loans and each time I was denied by the lender because of the scores reported to the lender by Equifax,   XXXX   XXXX    XXXX , and  XXXX . Equifax has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what Equifax is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of the  XXXX  different numbers presente d (   XXXX  to me and a different number to the lender  ) Equifax ha s lied about providing me access to my Fico score. I filed a complaint with Equifax and   XXXX   XXXX    XXXX  in  XXXX  through the Illinois Attorney General   (    XXXX   reference   XXXX   ) and I  got no results. I was denied a loan on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  based on information received from Equifax and   XXXX   XXXX    XXXX . I was also denied a mortgage loan on  XX/XX/XXXX  based on information from TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TX

Complaint narrative:
This was previously disputed and  XXXX  failed to address this to the CFPB in the last dispute.     I am signed up for  XXXX  credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is th e 6th t ime I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that  XXXX  credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.

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 2017-04-27 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: TX

Complaint narrative:
Account  XXXX  of  XXXX  Profile COMPANY -  XXXX   XXXX   XXXX  - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Open - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$6900.00} - STATUS - Charged off as bad debt - This is not my acccount. Please provide details of your investigation of how you determined this was my account in which it is NOT.     Also the account shows as an open status but yet says charged off as a bad debt. This is false inaccurate information. It should be removed. This is a fraudulemt account and plus its reporting incorrectly. Remove it.             XXXX   XXXX   - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Closed - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$0.00} - STATUS - 60 days past due How is the account 60 days past due but has a  XXXX  balance? This is a paid in full account. Delete the tradeline. You can not report information that is incorrect. It is a paid in full account that was never late. Delete this false 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 2017-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
ON  XXXX   XXXX ,  2017 I P URCHASED AN ITEM FROM HOMEGOODS AT  XXXX  FL FOR {$98.00} USING  TJX REWARDS/SYNCHRONY  BANK CREDIT CARD ACCOUNT NUMBER  XXXX   XXXX   XXXX   XXXX . ON  XXXX   XXXX ,   XXXX   I PAID ONLINE THE BILL IN THE AMOUNT OF {$98.00}, THE RECEIPT OF WHICH WAS ACKNOWLEDGED IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017    WHICH SHOWS A NEGATIVE " NEW BALANCE '' O F " (  {$96.00} ) ''. HOWEVER, IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017   , THE BILL CONSIDERED THE PREVIOUSLY PAID " {$96.00} '' TO BE UNPAID, TACKING THEREON A {$25.00} LATE FEE AND AN INTEREST CHARGE OF {$2.00}, MAKING AN ALLEGED NEW UNPAID BALANCE OF {$120.00}. ON  XXXX   XXXX ,    2017, I WR OTE SYNCHRONY BANK DISPUTING THE AMOUNT OF {$120.00} STATING THAT IT IS CONVERTING " MY NEGATIVE BALANCE '' INTO A " POSITIVE BALANCE '' AND CHARGING ME THEREFOR " A LATE FEE OF {$25.00} AND AN INTEREST CHARGE OF {$2.00}, MAKING IT APPEAR THAT I OWE A TOTAL BLANCE OF {$120.00}. '' TO DATE, I HAVE NOT RECEIVED ANY RESPONSE FROM SYNCHRONY BANK. INSTEAD, I HAVE BEEN RECEIVING  DUNNING TELEPHONE CAL LS AND EMAILS FROM THE BANK. AS I HAVE STATED IN MY  XXXX   XXXX ,    2017 LETT ER TO SYNCHRONY BANK, " I BELIEVE THIS IS WRONGFUL AND SHOULD BE CORRECTED AND STOPPED IMMEDIATELY FOR THE PUBLIC 'S PROTECTION. '' PLEASE LOOK INTO THIS MATTER AND ADVISE ME OF THE RESULTS AS SOON AS POSSIBLE. 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 non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I had a contract with  XXXX  that initiated on  XX/XX/XXXX . After having  XXXX  services performed, I noticed my lawn deteriorating. I reached out to  XXXX  and expressed my concerns. They blamed it on our lack of rain, although I had been watering the lawn myself and incurring the additional expense on my water bill. On  XX/XX/XXXX  I called and spoke with  XXXX  at  XXXX . I informed her that I wished to discontinue my agreement with  XXXX  because my lawn looked much worse than when I started. She assured me that my account had been noted and that no additional charges would be made. The area manager,  XXXX   (   XXXX  )  XXXX  called me on  XXXX  and said that he was sorry for the poor service that I had received and that he was going to come and evaluate my yard to see if there was anything they could do to win back my business. He said that he would remove the unauthorized charges from my account. As of today  (   XX/XX/XXXX   ),   I have never seen or heard from them again. I am now receiving collection notices from Transworld Systems for the {$230.00} amount. I have written to them explaining all of this, however they continue to attempt collection. I do not want this to tarnish my credit. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I p ay Navient ( fo rmerly  XXXX   XXXX   ) with  a direct monthly scheduled payment from my bank account. I went to refinance my home in  XXXX   XXXX ,  XXXX  in  XXXX  or  XXXX . I was told  XXXX   XXXX  said I was delinquent  for seven mo nths. I checked my bank records and say I had paid every month. They were say ing one month I was  x number of dollars late and it always a different amount, no explanation, I made an appt. and when I got there was told " no it is next we ek '' WRONG. I c alled and called and finally I filed a claim in small claims court asking for {$1.00} and my credit being cleared up. They cleaned up my credit ( never a {$1.00 } ) by the  way.   Recently I am seeing the same thing. I pay the agreed upon directly scheduled monthly. Now they are saying I am x number of dollars delinquent again. I called recently and did not receive any satisfactory answer. I then mentioned I was unemployed and wanted a temporary deferment. I was told that could not happen until I defaulted. I value my credit and want to get this settled once and for all. I went to  XXXX  for two years and graduated in  XXXX , they claim I still owe them over {$30000.00} after ten years.  XXXX  is $  XXXX  a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
This was on my background check for employment : Court Searched Distric t And County Co urts Case Type Conviction Case Level Misdemeanor Case Status Closed Case Offense Date  XXXX  Offense Type Misdemeanor Offense Description   XXXX   XXXX   XXXX   Disposition Date  XXXX    Disposition PLEA NOLO CONTENDER Outcome Conviction 1. Sentence Type : Jail ; Sentence Length : 120 Days ; Consecutive/Concurrent : Consecutive 2. Sentence Type : Probation ; Sentence Length : 12 Months ; Consecutive/Concurrent : Consecutive Number ( 1 ) did not happen.
Only number ( 2 ) did ; plus it was 17 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TX

Complaint narrative:
Account  XXXX  of  XXXX  Profile COMPANY -  XXXX   XXXX   XXXX  - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Open - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$6900.00} - STATUS - Charged off as bad debt - This is not my acccount. Please provide details of your investigation of how you determined this was my account in which it is NOT.     Also the account shows as an open status but yet says charged off as a bad debt. This is false inaccurate information. It should be removed. This is a fraudulemt account and plus its reporting incorrectly. Remove it.           Regional Finance - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Closed - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$0.00} - STATUS - 60 days past due How is the account 60 days past due but has a  XXXX  balance? This is a paid in full account. Delete the tradeline. You can not report information that is incorrect. It is a paid in full account that was never late. Delete this false 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 non-monetary relief
Consumer complaint received 2017-04-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I believe I am a victim of deceptive practices performed by  XXXX ,   XXXX   XXXX     XXXX , and TransUnion. I am paying monthly fees to track my  Fico score  with  XXXX ,  XXXX , and Transunion. I have applied f or 3 loa ns and each time I was denied by the lender because of the scores reported to the lender by  XXXX ,   XXXX      XXXX   XXXX   XXXX , and Transunion.  XXXX  has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what  XXXX  is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of th e two different numbers presented ( one to me and a different number to the lender )    XXXX    has lied about providing me access to  my Fico scor e. I filed a complaint with   XXXX    and   XXXX   XXXX   XXXX   XXXX  in  XXXX  through the Illinois Attorney General  (   XXXX    reference  XXXX  ) a nd I got no results. I was denied a loan on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  based on information received from  XXXX  and     XXXX   XXXX   XXXX  . I was also denied a mortgage loan on  XXXX / XXXX / XXXX  based on information from TransUnion.

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 2017-04-27 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: AL

Complaint narrative:
Requested on  XXXX ,  XXXX ,   XXXX   verification method FCRA, sec tion 611 ( a ) and ( 7 ) l etter to Transunion. never received requested information from Transunion. Transunion is still reporting on inaccurate information 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 2017-04-27 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:
XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX    XXXX   XXXX     XXXX   XXXX , GA  XXXX  TransUnion, LLC   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       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     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   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  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   XXXX   XXXX   XXXX   XXXX  R  XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  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