vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-26 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: Avant Credit Corporation
State: TX

Complaint narrative:
I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I was receiving 2-5 calls per day. After asking them nicely to stop, the calls continued. I blocked at least 5 of their numbers but new numbers continue to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Credit score with Transunion significantly dropping even after paying off accounts and lowering my utilizations. No explanations for score dropping. Possible fraud going on.

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 2018-08-26 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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
We have a mortgage with Zions Bank through XXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by Zions Bank regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that Zions Bank will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as Zions Bank was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per Zions Bank the check was later found in a lock box that Zions Bank failed to check their own mail for 30 days. We feel Zions Bank has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from Zions and will share with your company. Despite our efforts to abide and pay our mortgage, Zions Bank has reported me with a 60 day delinquency on my credit report. I have sent a request for Zions Bank to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that Zions Bank has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by Zions Bank that were were being reported to a credit agency.

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 2018-08-26 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I started a identity theft dispute on XX/XX/XXXX with Equifax, XXXX and XXXX. XXXX and XXXX removed all collections and hard inquiries but Equifax did not, they allege that accounts has been verified. I received letters that accounts has been removed. I would like a full audit investigation showing each company provided supporting documentation stating that my accounts has been verified of I will be seeking a attorney and will sue Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX You've paid off 0 % of your collection amount. 
Balance {$960.00} Highest Balance {$960.00} Opened XX/XX/2017 ( 7 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: TX

Complaint narrative:
We have a mortgage with XXXX XXXX through XXXXXXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXXXXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX  the check was later found in a lock box that XXXX XXXX failed to check their own mail for 30 days. We feel XXXXXXXX XXXX has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXX XXXX that were were being reported to a credit agency.

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 2018-08-26 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: TX

Complaint narrative:
We have a mortgage with XXXXXXXX XXXX through XXXXXXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX  will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX the check was later found in a lock box that XXXXXXXX XXXX failed to check their own mail for 30 days. We feel XXXXXXXX XXXX has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXXXXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXXXXXX XXXX that were were being reported to a credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We have a mortgage with XXXXXXXX XXXX through XXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXXXXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX the check was later found in a lock box that XXXXXXXX XXXX failed to check their own mail for 30 days. We feel XXXX XXXXk has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXXXXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX  has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXX XXXX that were were being reported to a credit agency.

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 2018-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
{$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name GOLDEN 1 CU Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$690.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX  Times XX/XX/XXXX Days Late XXXX Remarks Canceled by credit grantor ] ] ] I would love to resolve this and remove from from credit. As I am new to credit and would greatly help you benefit in the future.

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 2018-08-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called XXXX XXXX on XX/XX/ to setup service for my Girlfriend who lives in an apartment separate to mine. The representative on the phone asked for my social very shortly after getting on the phone with me, in her words " this is a standard procedure to verify whoever is calling us does not have any debt owed to XXXX '', so I gave them my social because I was the one calling. She did not inform me that she was using my social to create a XXXX account under my name ( instead of my Girlfriend 's name ), and she pulled my credit report without my consent or even telling me she was doing so. I fixed the problem with the account having my problem but there is still a hard inquiry from Equifax fromXX/XX/XXXX. I attempted to dispute it with Equifax but the dispute was denied. I was planning on setting up XXXX service for myself about two months later, so my " fallback '' solution was to setup an order for myself that would be completed in two months, so that they would be able to setup service for me without checking my credit again ( since they had already just done it, every XXXX representative I spoke to said that my credit would be held on file for 30 days and my credit would not be checked again since I am setting up an order within 30 days of my credit being checked ). When I went to complete the pending order, XXXX pulled my credit report again, and again did not inform me or did not have my consent. There are now two hard inquiries on my Equifax from XXXX that I did not authorize. Obviously it would be reasonable to expect one to be on there, for setting up my service, but there are two, and I did not authorize either one. 

The representative I spoke to on XX/XX/XXXX to setup service for XX/XX/XXXX confirmed that a second credit check would NOT take place, since they had checked credit on XX/XX/XXXX and it was within the 30 day window. Her employee ID is # XXXX and her name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Capital Group, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I, became a XXXX XXXX for XXXX. XXXX. In order to gain employment with XXXX XXXXXXXX, I signed an employment for one year with XXXX XXXXXXXX. The contract stipulates that XXXX. XXXX pay loan to XXXX XXXX for to go to trucking school. On XX/XX/XXXX, I was promoted to XXXX and left to go home to take a break after being on the road for nearly three months. XXXX XXXXXXXX did not allow me to come back to work. Also, XXXX XXXXXXXX stopped paying the loan in XX/XX/XXXX. 
XXXX XXXXXXXX claimed that XXXX quit, even though I wanted to come back to work. My former employer left me with a huge bill to pay with no explanation. I consulted a lawyer, and he told me that XXXX. XXXX breached the contract. I am now left with a nearly {$10000.00} to pay back if justice is not given to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX all was ask to remove inquiries. Called multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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: Continental Finance Company, LLC
State: IL

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/conti all was ask to remove inquiries. Called multiple times a day.

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 2018-08-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX all was ask to remove inquiries. Called multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
My student loan was in forbearance last year and my first payment was to be paid XX/XX/XXXX. I have two loans that are to be paid on this date. One in the amount of XXXX and the second in the amount of XXXX. I scheduled with my bank for the payments to be sent on the XXXX of every month starting in XXXX. So on XX/XX/XXXX my bank sent the payments as scheduled. On XX/XX/XXXX I received a notification from my bank that a second set of payments were withdrawn from my account from Navient for the same XXXX and XXXX with then overdrew my account by XXXX. I went on my account with Navient and saw the account had been set up for autopay and my banking information was on the account. I never set up this autopay through Navient, I did not input any banking information nor did I authorize any autopay. I went to the bank and spoke with the branch manager and was told I can put a stop payment on the payment but I would have to incur a XXXX stop payment fee on each payment so it can correct itself. I also have to have the late payment affect my credit, when the autopay was never authorized in the first place. When I called Navient to speak to someone, I was just told by a recording the offices were closed until Monday at XXXX. If a business can take my money on a Saturday then they should be available on a Saturday.

Company response to consumer: Closed with explanation