vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Back in 2010 when the Income Based Repayment plan was drafted and approved by the government, I went through a transition in my life ( moving from XXXX  to XXXX  ) and was out of an income in general. My Federal Student Loans granted me the option of IBR based on my situation. After going through the same process with ( formerly Sallie Mae ) I was denied IBR at that time and was told the only option available was forbearance. After seeing the lawsuit taking place against the company in California, it has come to my attention that this is very similar to my situation 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: AR

Complaint narrative:
I was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX {$190.00} XX/XX/XXXXXXXX {$300.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$10000.00} XXXX XX/XX/XXXX XXXX {$100.00} XX/XX/XXXXXXXX {$6300.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX {$1700.00}

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 2020-02-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$6300.00} XXXX XXXX   XXXX {$1000.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$1700.00}

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2020-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
The company I'm reporting is diversified consultants. They have been harassing me since 2016 about a debt that isn't mine, they call me at all hours of the night and day from various numbers disguised as local numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CA

Complaint narrative:
I have reached out to remove XXXX XXXX from my credit report since I reached out to XXXX XXXX and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with XXXX XXXX then I would like this item removed from my credit profile.

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 2020-02-26 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: AR

Complaint narrative:
I decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00}

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 2020-02-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$240.00}

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 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I was contacted by FAIR COLLECTIONS & OUT, they stated that I owed {$330.00} to XXXX XXXX XXXX   after I moved out 2 years ago. I called the apartment, they said they do not have anything on debt on file. My attorney requested a court order that was never received. I tried to call them, they said they never received the letter from my attorney, but somehow they have attorney 's name on file. 

Address of FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX, MDXXXX P : ( 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 2020-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Greetings, I have previous filed a complaint against this company, Navient. I have explained to Navient employees on numerous occasions that I believe that this student loan was secured via unethical practices. Initially I grudgingly paid on the loan, as I was repeatedly threatened by Navient that if I stopped payments they would notify credit bureaus, and this would negatively impact my credit rating. At some point in this process I decided to advocate for what I thought was right. I advised Navient on numerous occasions that I had made a conscious decision to no longer make payments on this loan due to means used in securing this loan. Nonetheless, Navient continued to call me 6-7 times a day on my home and cellular telephone for months, finally I stated, " Please stop calling me so often ''. I utilized my cellular telephone for work, those calls were interfering with my work, they did stop calling my cellular telephone. Navient continued to call my home telephone number all through the day, night and weekends. Yesterday, I was advised by two family members outside of my home that Navient had contacted them looking for me. Navient has my home  telephone number, my cellular telephone number, my email address and my home address, there was no need to place a " skip trace '' as indicated by XXXX XXXX. As of today, Navient continues to utilize my home number, my email address and my home address to communicate with me ; XXXX called me on my cellular telephone today. I believe once again Navient was attempting to intimidate me and harass my family members. There has to be a solution here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX, I have tried to get my loan servicer, that acquired my mortgage, to correct billing errors with escrow. Also since trying to get this corrected since XX/XX/XXXX, I have not received any monthly bill to pay my mortgage for the last three months. I have tried many phone calls since XX/XX/XXXX, faxes, and certifies mail. As of todays date XX/XX/XXXX, I have not been able to get any billing errors corrected and no monthly billing statements for the last three months. So I have no information that the money that I have sent in the past three months fulfilling my part of mortgage agreement has been applied to principle and interest for example. To add injury to insult I found the company had placed a late charge against my account which I forced them to remove and they admitted it was wrong. This poor performing mortgage servicer company is : LOANCARE Of Virginia. 

This brings to mind the Consumer Finance Capital Protection Bureau XX/XX/XXXX law which requires loan servicer to provide me by contract every thirty days a billing statement that is correct and shows past payments properly applied also this company has not acknowledge my written complaints with in five days time being submitted, and to be resolved with in thirty days time.

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 2020-02-26 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: CA

Complaint narrative:
I have reached out to remove XXXX XXXX from my credit report since I reached out to XXXX XXXX and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with XXXX XXXX then I would like this item removed from my credit profile. 

The name of this company is incorrect as on my equifax report it's stating that the name of the company is " WESTERN HOLDINGS GROUP '' But the name of the company is XXXX XXXX. This is a clear violation of section 609 for providing inaccurate information on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was going over my credit report and noticed 4 unauthorized inquiries on my XXXX, and Equifax credit report XX/XX/18, XX/XX/18. I did not, nor have I ever applied for a line of credit with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was going over my credit report and noticed 4 unauthorized inquiries on my Experian, and XXXX  credit report XX/XX/18, XX/XX/18. I did not, nor have I ever applied for a line of credit with 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 2020-02-26 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: TX

Complaint narrative:
I sent a letter to inform XXXX that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and Equifax that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from Equifax and they do are not apart of the resolution.

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: SC

Complaint narrative:
I have submitted a dispute to Equifax several times and they continue to validate and misreport an account on my credit report to other companies like XXXX  XXXX XXXX. I recently learned of this when trying to apply for a home. There is a collection account under XXXX XXXX XXXX on my report and it is categorized as a rental / collection ; naming or collecting for an original creditor of XXXX at XXXX XXXX XXXX. I provided the receipt documentation from XXXX at XXXX XXXX XXXX to Equifax and XXXX XXXX XXXX which clearly shows I have no balance due to the original creditor ad of XX/XX/2013. Therefore the report of account as it is, is highly inaccurate and misleading to users of my credit report and continues to creates financial harm to me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

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 2020-02-26 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: HW Holding, Inc
State: CA

Complaint narrative:
I have reached out to XXXX  remove HUNTER WARFIELD from my credit report since I reached out to HUNTER WARFIELD and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with HUNTER WARFIELD then I would like this item removed from my credit profile. The name of this company is incorrect as on my equifax report it's stating that the name of the company is " XXXX XXXX XXXX XXXX '' But the name of the company is HUNTER WARFIELD. This is a clear violation of section 609 for providing inaccurate information on the credit report.

I have provided the address that corresponds with the address on file.

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