vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilFeb XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

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 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX/RESURGENT CAPITAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX  XXXX/RESURGENT CAPITAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
XXXX I owe over all payday loans I got left with after divorce. Some of the company 's said they were going to garnish my wages are I would be sued.

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 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from Cavalry Portfolio. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Cavalry portfolio in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXXXXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor.
I disputed with the CRA onXX/XX/XXXX ; XX/XX/XXXXand 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 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I received a notification in the mail from Jefferson Capital Systems for a debt they bought for a XXXX XXXX bill. They also placed this debt on my credit report. I disputed this debt immediately because I have never had a XXXX XXXX account or know what this would be for. I requested proof of debt ( which they could not provide ) and requested this be removed from my credit report because this is not my debt. This occurred XX/XX/XXXX. I, also, reported this dispute to the credit reporting agencies. They just placed a line note on my reports, but it would n't be removed until XX/XX/XXXX.
As of XX/XX/XXXX the debt is still on my credit report. This is impacting my finances for a debt that is n't even mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report with Experian website. I found on my report a tax lien with state of Georgia with ref # XXXX ... dated XX/XX/XXXX an amount of {$930.00}. likewise XXXX and XXXX  who finally removed them from my record after recognizing their error, and I also found this one as well to be an error on my credit report and attached screenshot of state of Georgia tax lien list and after getting in touch with them they clearly indicated that am not on the list and an attachment proved that.
I also found 3 an unauthorized hard inquiries which I never inquired or applied anything from them. They are as follows : 1. XXXX XXXX XXXX dated XX/XX/XXXX. 2.XXXX XXXX  dated XX/XX/XXXX. 3. XXXXXXXX XXXX dated XX/XX/XXXX. Again this is an error on my report and they needed to come out 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 2017-10-06 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:
On XX/XX/XXXX, I initiated a dispute with Experian regarding 4 XXXX accounts. I explained that these accounts were Fraudulent Accounts. I later called Experian back after reviewing several copies of my Experian report and informed them that not only are these accounts Fraudulent, they are changing the charge off date and re-aging the pay history which in turn causes great damage to my credit score and resets the Statue of Limitations. This was information that I wanted Experian to be aware of but instead they closed my dispute of these accounts being Fraudulent Accounts and changed it without first informing me that this will happen and second without my right to decide how I wanted these accounts disputed. OnXX/XX/XXXX, I received a dispute results letter indicating that XXXX updated information ; however, nothing has changed on these 4 accounts. I contacted Experian several times on yesterday. One representative told me that my complaint with CFPB has been closed because my documents do not show anything and XXXX can change the charge off date if they choose. One representative told me that the dispute with XXXX is closed and it will take 30 days for the database to change anything on my report due to the XXXX Breach and Experian being overloaded with paperwork. One representative told me that my dispute onXX/XX/XXXX should have not been changed without my permission but it was. One representative told me that the dispute results I received was computer generated and no one has control over what letter is printed all they have control over is the name on the letter. I was also told that Experian is not required to validate anything ; They just wait for the creditor to tell them yes or no to the disputes and whatever it is they take the word of the creditor.

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 2017-10-06 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: PA

Complaint narrative:
Im having problems with 2 separate loan companies.. one with Navient and another with XXXX. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With XXXX, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With Navient I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I believe Bank of America disables customers ' alert settings for low balance, overdraft fees, and the like. This has happened twice in six months to my husband - he 'll find out that he has been getting charged XXXX dollars in overdraft fees once a week or so, based on an unexpected charge that bounced - but will have never received an alert about it, despite having enabled cell phone, etc. alerts on the account. Last time he called Bank of America to complain, they claimed that it was his fault because his alerts were not on - obviously, they had updated their system at some point and turned his alerts off. We went online and turned his alerts on after arguing with the bank for an hour - Just now we found out the exact same thing had happened again, and went online and sure enough his alerts settings were enabled for every kind of contingency except overdraft / low balance. I believe they should be investigated for this practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WESTERN CONTROL SERVICES, INC.
State: FL

Complaint narrative:
I have a balance " apparently '' with Western Control Service. They 're a Debt collecting company for XXXX XXXX. This school ended up closing in 2016 for fraudulent reasonings.
I have since recently started monitoring my credit through XXXX XXXX. I see that they have this collection outstanding on me.
My first call to them was in the beginning of this year sometime to get them to validate/reduce/remove anything due to me not knowing about XXXX taking out a private loan on me, along with a federal student loan.
My last call to Western Control Service was Wednesday XX/XX/XXXX at around XXXX.
I asked them what I received for this balance and if they could provide me validation I ever signed for it.
They stated they did n't have that and could not provide it to me.
I asked how I can get this removed and the representative stated either pay it or get a lawyer.
I said well I may have to get a lawyer then, and he said okay well we can no longer talk to you about this account only your attorney. Even though I did n't get a lawyer and really do n't want to have to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: AES/PHEAA
State: PA

Complaint narrative:
Im having problems with 2 separate loan companies.. one with XXXX and another with AES. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With AES, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With XXXX I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NJ

Complaint narrative:
: Writing here just for the record. nothing has been resovled dont even read the letters over the last 3 years nothing resolved and despite being a customer in good standing discover has blocked my ability to call them and ignores all attempts and has at resolution. this is the latest email i sent. I offered XXXX for all accounts by XX/XX/XXXX. I am declaring bankruptcy in foreclosure i provided docket number for conifrmation. no response just credit reporting that i am responding to. This company is notorious for suing and being very very difficult with customers. I need a resolution not just you sending it and them photocopying responses. I will go to court if need be and show a judge my diligent attempts at resolution and what has occured as a result. tired of being ignored, bullied and treated very unfairly DO SOMEHITNG about this company and how it treats its customers. No photocopies of previous responses that did nothing. I will sue i will if ihave to. believe me. i have a record of all the attempts at resolution from letters to complaints to calls to all. nothing. Accept this and let me out. i will declare bankruptcy shortly Hardship Letter for credit Card Account : To whom it may concern Due to my recent financial condition I am writing you this letter to request a settlement of my unpaid debt at 20 percent of the balance due. I am filing bankruptcy shortly. due to foreclosure. chapter XXXX This is the 4th time i have advised you. I can be reached only after XXXX XXXX to discuss.
Over the last 20months my household income has dropped considerably due to ( job loss, medical condition, illness, etc. ), which has made it impossible for me to continue to make my full monthly payments. I asked for signed copies of agreements i never got and other information.
Please note that I am trying to avoid a bankruptcy filing and that I am currently requesting debt settlements with all of my other creditors with whom I need to make similar arrangements and plans.
I am requesting that you seriously review and accept my settlement offer. As soon as you accept it in writing, I will by XX/XX/XXXX mail the payment to your organization. XXXX dollars for all accounts. If not this will get discharged. My foreclosure can be verified on njcourts.gov XXXX XXXX If you have any questions or if you wish to discuss this settlement offer, please do not hesitate to call me and I can be reached at ( XXXX ).
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click here to Reply, Reply to all, or Forward

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: SC

Complaint narrative:
I have called the XXXX XXXX company Numerous of times and explained to them that I have been a victim of their " inquiry issue ''. I stated to them that i did not authorize anyone to use my information and did n't have any knowledge. I asked they remove them. 

1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX 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 2017-10-06 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or  delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX  is the last creditor. 
I disputed with the CRA on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation