vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute.

As this is a clear violation of my rights remove asap.

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 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
-- -- -This is not a duplicate -- -- -Southwest credit systems LP reports to XXXX  that I opened an account on XX/XX/XXXX with XXXX. I did not open an account with XXXX, nor have I had an account with XXXX in years. This information is incorrect and must be removed from my credit reports. 

How can an account opened in XX/XX/XXXX already be in collection to a third party debt collector in XX/XX/XXXX?

I need validation of the debt. 

I'm requesting all further collection attempts including reporting to all credit bureaus be stopped. 

I'm requesting a validation of the amount owed. 

I'm requesting all payment history. 

I'm requesting the date of first/last delinquency. 

I'm requesting a copy of the information that was used to validate my identity when they account was opened. 

I'm requesting that you refer to the last company that purchased this debt that is no longer reporting to my credit because they couldn't validate the debt. 

I'm requesting that you refer to my first complaint to your company before preceding with this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: ID

Complaint narrative:
My son attended Univ of XXXX for 1 1/2 years in XX/XX/XXXX-XX/XX/XXXX. My Parent Plus loan is {$65000.00}. ( His

is {$10000.00}. ) He left that school for failure to provide a useful education. Navient agreed to wait until he graduated from the school he transferred to for payments from me. I am broke and on the verge of bankruptcy. I requested Income-based repayment or some plan that will defer the start of my payments. Navient sent some unintelligible documents to me -- seriously, I have no idea what they mean. The upshot is that my payments start now and are {$390.00} per month. I simply do not have the money and need a deferment. Navient seems unresponsive to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: IN

Complaint narrative:
I reached out to transunion and XXXX in regards to the unauthorized inquiries on my account. In the last month i have accumulated 64 hard inquiries on my transunion and 34 on my XXXX, someone is trying to get credit in my name and they are running it multiples of times and I am not happy about it at all.It is looking like im begging for credit and is looking BAD on my credit. I have a cash car, no need for me to be searching for credit. My car is a XXXX and very reliable, they even tried to get credit from my job which i can NOT do. 
Transunion has allowed the following to run my credit without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As for XXXX  they allowed the following to run my credit without my permission : XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3x XXXX XXXX XXXX XXXX XXXX XXXX 3X XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
During a recent credit inquiry it was brought to our attention that there is a discrepancy from the time our home loan/mortgage transferred service from XXXX to your organization SLS, in XX/XX/XXXX. According to the report, one payment is being reported from SLS as 60 days late ; however, this is not accurate and is unjustifiably creating a crippling effect on our credit score. 

We have provided documentation of our last ( XX/XX/XXXX ) statement from XXXX amount due was for XX/XX/XXXX payment. We were informed in XX/XX/XXXX that our servicer would be changing to SLS and that we would be contacted by them with further account and payment information. We spoke with a SLS representative XX/XX/XXXX, we were informed that our total amount due was {$940.00} and we made a payment via telephone at that time. We continued to make regular monthly payments to SLS in the amount of {$1000.00} from XX/XX/XXXX current ( XX/XX/XXXX ) documentation included. 

We have spoken to SLS representatives over the phone many of times regarding this discrepancy. After extensive wait times, often 15-20 minutes, disconnected calls, and being told the person/supervisor that can help you in not in/available, a representative from SLS has informed us that we were delinquent from  XXXX and that delinquency was transferred over to SLS.

We understand our mortgage servicer may change and we do not have control over this process. However, you SLS as the servicer, have a legal obligation to protect us as the consumer through this process. This trust has been fractured through the lack of communication you have been able to provide, despite our efforts to get this resolved in a timely manner.

Again, as you requested we have attached the last statement from XXXX in XX/XX/XXXX and payment documentation from XX/XX/XXXX-XX/XX/XXXX. In all of the correspondence we have had with SLS, not once were we notified of an outstanding balance or have been asked to make a payment more than our current monthly obligation.

This mistake during this transfer of lender service to SLS has caused a significant burden to our family and your actions through our initial encounters to discuss, review, and resolve this issue have been less than helpful.

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 2018-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Hello CFPB + Credit Collectors, I am a XXXX year old that started with credit early on. I made a lot of mistakes and everything got worse when I lost my job. I graduated from an intense XXXX XXXX program called XXXX. They train young individuals like myself relevant skills to survive in this thriving economy. When I lost my job it was unexpected. I had no idea the toll credit would have on my life. I am now in debt to all these credit card debt collectors. I would like a fresh start to all of this. I am ready for a new beginning. Below is some of the debt I have accumulated. I wish to get this debt off my back so that I can contribute to my neighborhood. I want to give back and help others but with debt I am completely frozen and am not allowed to do anything. I have learned my lesson. 

" XXXX XXXX XXXX , XXXX '' : {$630.00} XXXX XXXX : {$350.00} XXXX XXXX : {$820.00} XXXX XXXX XXXX , XXXX : {$960.00} I would also like to dispute a debt with CREDENCE RESOURCE MANAGEMENT LLC for {$1500.00} The confirmation number for this is XXXX. I have already payed this debt. Please help me settle this debt. I have learned my lesson with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAINT XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: WA

Complaint narrative:
I signed a lease at XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX for the following year XX/XX/XXXX-XX/XX/XXXX, I later found out that I had to move due to military orders and notified the apartment complex verbally. XXXX XXXX was the leading manager at the time and he told me that he would take care of the issue and I was fine. Turns out they still had me under the responsibility of the lease, even though another person, XXXX XXXX, moved into this same unit # XXXX during the time of the lease. I also later realized that I didnt pay any application, administration or deposit and the complex ran my credit any way and allowed me to sign a lease before getting approved. I called and they told me that they didnt have any emails or other records from XXXX XXXX because he quit. I went to talk to the new leasing manager, XXXX, and she did not provide me with any assistance, instead she gave me the number to the property manager, XXXX XXXX XXXX. I contacted XXXX XXXX through email and he asked for my the military orders and I sent them. After several weeks of no responses to my constant emails, voice mails, and text I sent a final email on the intent to sue for wrongful debt. Then and only then did another person, XXXX XXXX, call me and left a voicemail informing me XXXX XXXX XXXX forwarded her my information and also told me that the military orders are not what they are used to and told me I needed to turn in a signed form. However, XXXX XXXX has not returned any of my emails either about this form and it is getting frustrating because Ive been trying to resolve this issue for months. No one is trying to help me and this mark is ruining my credit. I never moved in, never received keys, and they allowed someone else to live in the unit that I was supposedly supposed to be paying for. This is so frustrating and I do not want to be bothered with this apartment any further.

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 2018-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I voluntarily returned my vehicle back to XXXX XXXX XXXX ... the reason for me returning my vehicle was because the company had approve me for a extension for 2 months which was XX/XX/XXXX until XX/XX/XXXX and was to pay back loan on XX/XX/XXXX however the extension got denied and they call me back to let me know that days later so then I ask them what will happen because now I dont have any money and that was due to in and out of the hospital so now they asked me to pay more which was {$490.00} for 3 months to keep the car I felt as if I was lead on ... I was thinking they was trying to help me but they ended up hurting me ...

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 2018-05-18 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Chase - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I can not find my XXXX child 's social security card and fear that it may have been in my purse when it was stolen in XX/XX/2016. Thus, I am following the recommended steps to get a credit report on my XXXX child under XXXX, which includes filing this complain with CFPB. I also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I opened this card for the sole purpose of taking advantage of their 0 % APR 0 % fee balance transfer offer. I was granted a {$5000.00} credit line and initiated a transfer request of 75 %, {$3700.00} on XX/XX/XXXX which posted to my account on XX/XX/XXXX. I was informed it may take up to 5 days for the transfer to reflect on the other card and so I waited but the balance transfer payment from Amex was never reflected on the card it was intended to pay. I contacted Amex on or about XX/XX/XXXX to inquire about this issue and was told I had to take it up with the recieiving card. I called the receiving card, XXXX, and they confirmed no payment was received from Amex on my account. The following week I contacted Amex and informed them of this, I also confirmed they had sent payment to the correct account- which they had. The representative I spoke with put this transaction into dispute. I asked that she cancel the balance transfer and try again. She said they had to have it cleared with their dispute process first. In the following weeks I followed up with Amex each Monday and received no assistance or update on the status of my account. The last contact I had with the company I requested they cancel any pending balance transfer and close my account because at this point the entire goal of the balance transfer was moot and I am fed up with their process. I was then informed I would not be allowed to cancel any transfer and that I didnt know what I was talking about. When I asked to speak with supervisors I was not redirected and given no actionable assistance from the staff. I was informed complaints take up to 6 weeks to resolve, however the complaint was entered in to in the beginning of XX/XX/XXXX and it is now XX/XX/XXXX. I still have no resolution. I now have a revolving balance on a card Im not going to pay because it doesnt reflect a successful balance transfer and Im still paying interest on my XXXX XXXX, which had been the entire motivation in the first place to do a balance transfer. At this point I am going to have the XXXX XXXX paid off If Amex ever gets it together, then Ill be on the hook for money I have requested several times now not be transferred. Additionally the use of 75 % of my available credit with Amex has hurt my credit score. Amexs customer service has failed to put th customer first. I offered to submit statements from my XXXX XXXX  to prove no transfer made it through but they declined. I have received no updates on the status at this point and Im very worried about being responsible for {$3700.00} that I did not spend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 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: JTM Capital Management, LLC
State: NC

Complaint narrative:
I have contacted total visa to let them know I had fraud happen to me I had to file a police report on my ex wife because of she was putting fraudulent credit accounts in my name! They still says this item is accurate on my credit reports and still remains ... I never had a account with total visa! It should be remove from my credit report XXXX.. XXXX.. and XXXX ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM financial not reporting credit information in a timely manner. As of today it has been 6 months since they have reported any credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have made several requests to Portfolio Recovery Associates ( PRA ) to validate the account. I requested the date of delinquency, date the account opened, and last payment received. I formally made the request XX/XX/XXXX. PRA received the request on XX/XX/XXXX ( enclosure ).

This validation must include the name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, documentation proving that PRA have the legal authority to collect, and all other notices required by law. If PRA can not provide the validation required, then PRA must remove from your files any negative reference concerning this account. PRA is in violation FCRA. PRA provided the date the alleged account opened. XX/XX/XXXX. That was the only date provided. Tennessee statue of limitation is 6 years in wish expired XX/XX/XXXX. PRA can only report for 7 years to the credit bureaus. PRA states there were not any known un credited payments, counterclaims or offsets against this account at the time of the sale. PRA shows the date of last activity prior to the sale of the account is XX/XX/XXXX and that is the information provided to me. XX/XX/XXXX is seven years from the last activity. PRA can not continue to report this alleged collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There is inaccurate information reporting to my credit report for late payments and charge offs from XXXX XXXX for PayPal, XXXX, Gap and XXXX XXXX Acccounts. These accounts are fraudulent. I have disputed multiples times and asked for verification documents to no avail. 

Dispute Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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