vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for all three credit reports from " XXXX '' which included Equifax, XXXX, and XXXX. I was only able to receive the report from XXXX. As a California   resident, I called to register a complaint with the proper agency. I also downloaded the form to mail a request with proper identification evidence and submitted same to Equifax and XXXX ... .both initially declined my request citing evidence was inadequate. I finally received a report from Equifax after complaining to the agency in California ... but received nothing from XXXX. I then called XXXX   and after satisfactorily proving that I was indeed, XXXX XXXX XXXX ... they still insisted that I submit new evidence documents to receive a report by mail. I blew up and told them that was XXXX  as they knew who I was at that point..finally they agreed to send a report by mail which I received last week. Four months after embarking on a quest to receive my annual credit report free from Equifax, XXXX, and XXXX. My main complaint concern is with Equifax as two of the negative accounts in collection have already been removed from XXXX after I submitted information that they must be deleted. I registered a formal dispute online with Equifax which was supposed to be completed by XX/XX/XXXX. After  checking with Equifax no results were posted, although the date of XX/XX/XXXX was still listed as the date investigation results would be posted. The disputed accounts are ; 1. XXXX XXXX XXXX XXXX   collecting for XXXX XXXX XXXX XXXX Amount {$2100.00}. 2. XXXX XXXX XXXX which was removed as " not my account '' from XXXX. Both these should be deleted. A third account XXXX XXXX XXXX is currently in dispute under 2 prior complaints with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I had received several calls multiple times per day about this account. I had adv the company multiple times this was not my debt and would like to dispute. I advised the company the address they have on file was not my valid address and I have never had there service. They told me I don't know why you are trying to run away from the debt they will set up a payment plan for me to pay or else will forever remain on my credit. 
I asked the company to provide me with the following to validate the debt : Please provide the following : Agreement with your clients that grants you the authority to collect on their alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor Any insurance claims made by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file for alleged debtor Alleged account number, Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting alleged debt. 
Commission for debt collector if collector if collection efforts are successful. 


On XX/XX/XXXX or XX/XX/XXXX I sent a certified letter to the company mailing address. They received and picked up the letter and signed for the letter on XX/XX/XXXX. I asked in the letter to validate the debt and asked for several pieces of information to be provided to me. They have yet to validate the debt and prove the debt is mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a co-signer on my daughter 's loan. I have been in bankruptcy for 5 years, therefore the loans have been in deferment. My bankruptcy ended in XX/XX/XXXX. In XX/XX/XXXX, I began receiving bills and I submitted a consolidation for the loans. However, last month in XX/XX/XXXX they began showing up and not included in the consolidation. I began calling and e-mailing Navient. No one would explain to me that they were private loans and were not included in the consolidation. Finally, around XX/XX/XXXX I was told that they were private and they were delinquent and I had to speak with collections. When I called collections I was told that I was the co-signer on only one loan. I replied, why can I see the other 2 loans as well. I was told that they would not discuss the loans with me that my daughter had to call. My daughter called and they gave her the run around, as well as being indignant with her. I called back the next day to customer service and I was told that I could pay {$50.00} on the one loan and request a forbearance. I paid the {$50.00} on XX/XX/XXXX and the loan is still showing delinquent. I have called everyday about the loan and I have told that it take 2 to 3 business days and it will clear up tomorrow, or the next day.. As of today, XX/XX/XXXX, it is not in good standing and I am not going to file a forbearance on the other loans until this is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is showing i owe them {$1500.00}. this account is not my account. I have Ask XXXX to provide the sign contract agreement that i supposed to sign. They wasnt able to provide proof of contract. I need this accound removed from my credit account. 

Date XX/XX/2014 XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XX/XX/2005 I applied to XXXX for a training program. Within 2 days I contacted the school to let them know that I had decided not to take there course. The school did not cancel my application and a few weeks later I started recieving billing statements in the mail from the lender for the loan of {$7400.00}. At that time I was young and not very educated, so I started making payments. I have been paying on average {$80.00} dollars a month for 13 years on a loan that I did not recieve services for. As of now I have paid {$12000.00} and still have a balance of {$3000.00}. I called the lender that I am making payments to and they said there is nothing that they can do because it is a private loan and XXXX has since closed. Please let me know if there is anything that can be done. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
Late Payment that I am not really sure that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had consolidated my loans to XXXX. Mid- XX/XX/XXXXI was having trouble making my payments due to low income. I received an email on XX/XX/XXXX stating that they had defaulted and that they would go delinquent if I did not call in. The email stated that they can help. I called in XX/XX/XXXX and talked to a man about lowering my payments. He was very helpful and was to send me documents to fill out to ensure we got my payments lowered. I asked him, if I should make payments until we got the due amount lowered. He stated, not to pay until after I received my documents, mailed them back in, and got approved for the lower amount. I never received the documents. I called back in XX/XX/XXXX letting him know I hadn't received them. I took his advice and kept waiting on documents and not paying. I went to get a car loan in XX/XX/XXXX. As I was attempting to secure the car loan, the lady told me that there was something on my credit that I needed to check in to and that I couldn't get the loan. I looked into it and saw that XXXX had marked me as delinquent and sent my balance to collections. I called XXXX immediately and spoke with a lady and told her that I had been talking to the guy on getting the paperwork and that he had told me not to pay until it came. She went back and listened to our recorded conversation. She apologized that the man had given me wrong information and that there was nothing she could do. She then told me, " If it makes you feel better, he was let go from the company ''. No, that does not make me feel better because now my debt in is collections, I can't get approved for a car loan, and it impacted my credit immensely. I now have issues with the collection agency and communicating with them.

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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive previously submitted a complaint for the actual company. Which removed its remarks from XXXX and XXXX .This one is for experian credit reporting who has not yet removed the XXXX XXXX XXXX XXXX XXXX remarks.. the other complaint was back on XX/XX/2018.

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 2018-04-27 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XX/XX/XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with XX/XX/XXXX. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per XXXX XXXX request I have opened disputes with the credit reporting agency and last night I received an e-mail from Experian stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND XXXX loan of XXXX that was supposed to close 3 weeks ago.

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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for all three credit reports from " XXXX '' which included XXXX, XXXX, and Transunion. I was only able to receive the report from XXXX. As a California   resident, I called to register a complaint with the proper agency. I also downloaded the form to mail a request with proper identification evidence and submitted same to XXXX and Transunion ... .both initially declined my request citing evidence was inadequate. I finally received a report from XXXX after complaining to the agency in California ... but received nothing from Transunion. I then called Transunion and after satisfactorily proving that I was indeed, XXXX XXXX XXXX ... they still insisted that I submit new evidence documents to receive a report by mail. I blew up and told them that was XXXX as they knew who I was at that point..finally they agreed to send a report by mail which I received last week. Four months after embarking on a quest to receive my annual credit report free from XXXX, XXXX, and Transunion. My main complaint concern is with XXXX as two of the negative accounts in collection have already been removed from XXXX after I submitted information that they must be deleted. I registered a formal dispute online with XXXX which was supposed to be completed by XX/XX/XXXX. After checking with XXXX no results were posted, although the date of XX/XX/XXXX was still listed as the date investigation results would be posted. The disputed accounts are ; 1. XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX Amount {$2100.00}. 2. XXXX XXXX XXXX which was removed as " not my account '' from XXXX. Both these should be deleted. A third account XXXX XXXX XXXX is currently in dispute under 2 prior complaints with this 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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a car loan with XXXX XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.

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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a car loan with XXXX  XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a car loan with XXXX XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
The credit card company refused to fix an issue with fraudulent transactions on my card. I don't have internet excess as it tied up to XXXX account which I don't have anymore.

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 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I received a phone call from XXXX XXXX XXXX. XX/XX/XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my noticeXX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX. that the XXXX would notify the creditor XXXX XXXX XXXX XXXX XXXX   and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from XXXX stating that I had a balance of {$550.00}. on XX/XX/XXXX I called XXXX and spoke to XXXX XXXX   who had advised that my file had not been closed, that XXXX   had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at XXXX they would notify XXXX XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX.

Client acct # XXXX  XXXX acct # XXXX  Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX Original Account # XXXX

Company response to consumer: Closed with non-monetary relief