vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
XXXX ( original creditor ) and AFNI ( one of their collections offices ) has a history of arbitrarily assigning other people 's debts to me for no apparent reason. I have been a victim of this fraudulent practice with a variety of account numbers on several occasions ( four times since 2017 ) and my credit score was temporarily negatively impacted as a result. In most cases, the credit agencies corrected the entries subsequent to investigations. I have never had any unpaid debts with either XXXX or AFNI, however ; XXXX is, once again, showing that I have a collection account. I've included a page showing the current account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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:
I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX  are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.

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 2018-09-13 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: TX

Complaint narrative:
I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2018 XXXX XXXX sent me a letter stating the total amount owed was {$0.00} this has not been updated on my credit report. I have disputed this item and it has not been resolved it still shows negative information. this account is settled and paid completely.

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 2018-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: FL

Complaint narrative:
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX ( Closed ) I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: FL

Complaint narrative:
XXXX  had multiple inaccurate information on my credit report as I spent 3 years attempting for them to get it right, It was fixed and my score was XXXX. I also am going threw identity theft for over 10 years And had a unknown inquiry from a creditor that I already had so I disputed the inquiry ... XXXX Theyvremoved the 6 years of payment history and left the Hard inquiry I never gave permission for. They also let the fraudulent activity happen when this persons runs my credit while I have made a police report, Identity theft reports, credit freezes and locks. I now have nothing on my report with XXXX  and am showing as deceased. I have been waiting for the right time to get a auto loan and Am getting extreamly high rates due to no history. I had 100 % on time payments with 3 credit cards and the longest was 6 years. I sent them their own credit reports showing they have reported the acct for years and they refuse to fix it now my score is below 650 and the other credit reporting agencies are receiving the same information I have never been late on anything. I was at XXXX with all 3 beuours and XXXX fico score with all 3. I assumed i would of gotten the beat rates for a auto loan for which i could afford but now all 3 agencies have dropped my score all due to XXXX deleting my 3 credit cards which had a perfect history. Now i have multiple inquiries due to the fact i went into a dealership telling them my scores and getting a monthly payment within my families means and walked out in tears, I've been going threw this for years and they can not keep my credit at the score it deserves No matter what attempts I do to prevent it and how many times I have to dispute it. It comes back. I have made multiple complaints threw your agency as well .All XXXX , XXXX , and experian just refuse to Make my report right even though I have sent them proof of there of their own reports. I have 3 cards XXXX, XXXX and XXXX XXXX No inquiries except for the recent car loans I had no doubt I would of got a great deal.

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 2018-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
I have a personal loan with lending point. My credit union refinanced the loan for me, and overnighted a check to lending point. The name of my credit union is XXXX XXXX XXXX XXXX. I waited just over a week, to call and verify the check was received. I was told they show no record of a payoff check. I called the CU, and got the tracking information. We show the check was received on XXXX at XXXX and signed for by a XXXX. I sent this information to lending point and they stated they would look into this and call me back. I call back the next day to see if any progress was made, and was told that her manager did not come in, and her manager was working with accounting. XXXX XXXX with lending point is the assosiate I spoke with, and she said that she would look into his and get back with me. I then had to call back the following day as no one has called me, and was told XXXX is out to lunch and will call me back. I then asked to talk to a manager or supervisor, and was told they did not have one in today, and XXXX would call me back. A few hours later I get an email from XXXX asking for the amount of the check, so they can look thru there deposits. I get this information to them same day. I have called and asked for a call back no one calls. I have emailed XXXX asking for an update, or anything and info not get a response. They are charging me daily interest on the account, and Took out another payment today. They received the check on XXXX it has now been 16 days and no one even knows where the money went {$20000.00}. I have my first payment on the new loan XX/XX/XXXX, and I really do not want to be paying on two loans as it seems like no one at lending point wants to help. They stated they would call me back on Monday the XX/XX/XXXX and I have still not been able to get any information. I just do not know what my next step is. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted.XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 


XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXXXXXX this account doesn't belong to me. Please delete.

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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I recently noticed on my credit that there is a listing of a company name XXXX XXXX which they claim " i owe {$860.00} '' this information is incorrect and its hurting me financially. 
I contacted the company by register mail two times back in XXXX and XXXX of 2018 asking the removal of this incorrect listing. I stated that this account was not mine. 
They reply by sending me photo copies of a bill from XXXX claiming that " I owe {$860.00}, the XXXX bill had an unknown address and it was not on my name. I called the company on XX/XX/18 and the agent told me that the only way they consider the removal of the listing is by filing a police report as an identity theft case, I don't believe my identity was stolen, I believe it was a clerical error by the original creditor or by the collection company is reporting it. I wont file an identity theft because the credit bureaus may flag my credit or put a temporary lock on my credit which I believe is not necessary. it will damage me more in case I need to applied for credit.

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 2018-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX this account doesn't belong to me. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX this account doesn't belong to me. Please delete.

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 2018-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im submitting a complaint to Trains union. I have spoken to them. The repesintive did not fix the issue. 
Im contesting the inquiries thta are made on my account from Trans union. I have been a VICTIM of their inquiry issue. 
These are the six accounts that Im contesting that should not be on my account. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 4.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/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 2018-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Many times missed which is actually reported on my credit report looks like inacurate and or confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: GA

Complaint narrative:
Many times missed which is actually reported on my credit report looks like inacurate and or confusing.

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 2018-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AL

Complaint narrative:
XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$5.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} I already had a hard enough time getting XXXX XXXX to process my PSLF paperwork. It took MONTHS for them to correctly process my paperwork, forcing me into forbearance. I have made the following payments towards my PSLF program and my account is showing NONE of the payments have been applied towards my 120 qualifying payments. I do not know what the {$5.00} was for. I received notice that amount was past due, even though I had made the full {$98.00} payment on XX/XX/2018. I need this rectified IMMEDIATELY! Me making payments on time, towards my 120 payments and them not being applied, is wrong and cheating me out of my qualifying payments ... forcing me to try to make MORE qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have dealt with Navient for many years through college and repayment of student loans after graduating. I have had many issues with Navient with my federal and private loans over the years : 1.  The first recommendation for helping with payments when falling behind has always been forbearance. 
2. My aunt has requested to be removed as my cosigner multiple times and has instructed them to stop contacting her but she still receives calls and mail and was told that she could never be removed from the loans or being contacted. 
3. There are payments " adjusted '' on my account where a payment is made then taken out. 
4. At one time, I had multiple conversations with Navient representatives to update my checking account info and still received multiple calls reporting I was behind along with them calling my aunt who continued to ask them to stop calling her. 
5. There are late charges on my account when I was set up for automatic monthly debits through my checking account for payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
Hello, My credit report was dropped due to these 4 companies XXXX XXXX, XXXX, Sallie Mae, and XXXX. My account was on security lock monitor during the inquiries.I am very disappointed because my credit was ran without permission, XXXX XXXX was suppose to pre-approve a card to up my credit instead it was ran numerous time.All 4 company didn't suppose to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I received a call from Diversified Consultants on XX/XX/18 while at work. The representative informed me that they were attempting to collect a debt on behalf of XXXX XXXX XXXX. I explained I had not been an XXXX XXXX XXXX customer for over a year and did not understand what they were claiming a debt. I explained in order for me to continue with looking into this issue I would need documentation to the debt owed. I requested this documentation be mailed to be. Diversified Consultants failed to follow through with this request. They have since reported to the credit bureaus false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Name : XXXX XXXX XXXX Dates : Attempt to contact Experian on or around XX/XX/XXXX Remedies Attempted : Left a voicemail through one number. Filled out PIN request with zero response. Could not speak to a live person. 


On or around XX/XX/XXXX, I completed the Experian online form to retrieve my security freeze PIN and have it sent to me [ https : //www.experian.comXXXX ]. I placed a security freeze on my account on XX/XX/XXXX and paid {$3.00} based on the state I live in. In order to retrieve my PIN, I filled out the form and submitted copies of my Driver 's license and all required information. I never received a PIN in the mail or any correspondence from Experian via any other means. I attempted to contacted Experian using their customer service number of XXXX, but could not find a way to use the automated system to either retrieve my PIN or to speak with a live person. I tried a few different ways and searched their website and had no way to contact them. 

I am looking for one thing, and that is a copy of my security freeze PIN so that I can choose to temporarily or permanently lift my current security freeze if I so choose. I had no problems retrieving my PIN from either XXXX or XXXX, only with Experian. Please assist me and have them reach out to me and/or provide a way to contact a live person. It is ridiculous that they control my credit reports yet I have no ability to speak with customer service reps with my problem.

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 2018-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
PENNCREDITCORP called on XX/XX/2018at XXXX EST and said ( in a recorded statement ) that they were collecting a debt that I owed. The amount was {$160.00} ( I did not get the exact amount ). At no time die they say who I owed the debt to. they only demanded that I do not owe anyone. I just have monthly credit card bills which I pay off, in full, every month.I

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
when i was struggling with income a d couldn't pay I was forced to do a deferment or forbearance that resulted in astronomical interest rates and high payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: MA

Complaint narrative:
I received a letter from Contract Callers XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Claiming that I owed XXXX, Formerly known as XXXX {$100.00} File Number XXXX Account XXXX They attached no proof, and I have no reason to believe I owe XXXX any such amount. I have never received any such bill from XXXX, or any communications about any such bill. 

I called the number listed above, to inform them that I disputed the debt, in its entirety. They told me that I I had to tell them the last 4 numbers of my social security number. I told them I had no intentions of telling someone I had no pre-existing business relationship with any of my PII. They said that I was obligated to send them written notice of my dispute. 

I see no reason why I should have to spend more of my time, or buy postage, to dispute something they seem to be making up out of whole cloth. 

I would appreciate your help in this matter, as their representative was escalating and hostile, and repeatedly insisted that I divulge PII, based on a letter they sent me, out of the blue. 

Thank you

Company response to consumer: Closed with explanation