vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
lets start its about identity theft, on XX/XX/2020 got letter about credit increase, from paypal which is a Synchrony bank credit card. So called them saying not mine, and week or so later saying im liable for it account ending in XXXXThis has happened three time, called them every time same thing different accounts. The seconded end in XXXX and third end in XXXXNow with over {$18000.00} in dept and in collection. Synchrony bank said it was a digital account so I never got statement in the mail, until the end when money was do .I also contacted the credit bureau , but nothing. Have gotten many letters from bank and dept collectors .I think Synchrony bank changed account number to protect them selfs .I wished I contacted you sooner. What should I do?

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 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I found this company on my credit report under adverse accounts, named as a creditor. I have never done business with this company. This company has never sent me a physical statement. It has never called me and until today I had no knowledge of this debt or any means to dispute it.

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 2022-06-27 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: Kingston Data & Credit International Inc.
State: FL

Complaint narrative:
Kingston Data and Credit began reporting an account to my credit report with an open date of 2019. At no time did I ever open an XXXX XXXX Account in 2019. Also, at no time did Kingston send me an initial dunning notice. Upon identifying the account on my credit report I made MULTIPLE attempts to contact the agency which was a nightmare in itself. For weeks I called and could not get anyone to answer the phone, I left multiple voicemails and no call back. I disputed the account with the credit bureau ; however Kingston removed the account from only 1 reporting agency. I called the agency and was able to get someone on the line. I have so many concerns after speaking with the rep and Kingston needs to immediately pull their agents off the phone and conduct compliance training. The agent told me the account was only reporting to 1 CRA because the account was a states account and not in XXXX... I quickly corrected her but she seemed so confused and uneducated on what she was even talking about that it was frightening. The agent failed to advise me the call was being reported or provide me the XXXX XXXX. There is a lack of adherence to compliance at Kingston and it needs to be addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
We are currently working with a lender called XXXX XXXX XXXX  as well as a realtor for us to be able to do a Short sale on our home and continue to live there with our children however SLS and XXXX XXXX XXXX could not come to an agreement on the terms of the Short Sale. On XX/XX/XXXX SLS gave an approval for a short sale. from that time SLS and XXXX were sending emails back and forth with counter offers to each other until XX/XX/XXXX the XXXX approved a SS for the amount of {$4800.00}. However SLS stated that XXXX should only accept an offer of {$1900.00} as they claim that the agreement for the XXXX is to receive 10 % of the second lein holder 's principal balance. XXXX will not budge stating that there is no written agreement or regulation from the US treasury department that oversees all lenders about this issue. On XX/XX/XXXX SLS hostated that XXXX does not have to participate in the short sale and they are given the opportunity to receive a small compensation on their loan that would be Quashed in a foreclosure.Again our agent stated that this is wrong information because if the second lein holder does not participate then the property will never have a clear title. I have all the corresponding emails and am hoping someone can help us with this. We just want to live in our home with our children and have this resolved. We are stuck in the middle and the stress it is causing has affected us mentally and physically. Please reach out with your guidance. Sincerly, 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 2022-06-27 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:
The credit bureaus are ignoring me, I have been sending them letters to eliminate some errors and negative elements of my credit and they have not responded

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 2022-06-27 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: CA

Complaint narrative:
The credit bureaus are ignoring me, I have been sending them letters to eliminate some errors and negative elements of my credit and they have not responded

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 2022-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX Ive received an email from XXXX XXXX saying that a new student loan was added to my Equifax credit report. I also checked my XXXX account and its projecting the same credit score. XXXX stayed the same as it was reported around the same time as the other credit bureaus. When I went to go check it out, I saw that my score dropped drastically from XXXX to XXXX. Ive reached out to XXXX XXXX and told them that this information is fraud. I didnt take out a student loan at all. Its been since XXXX that I had a student loan and that was already being paid through the forgiveness program and the IRS already took out what they needed for the remaining amount. Ive been getting my taxes after that ever since. XXXX XXXX sent an update about the student service that is now reported on my credit by the name US DEPARTMENT OF EDU saying that I now have a loan for over {$7000.00}. This was listed on XXXX XXXX. This information is inaccurate and negatively impacted my credit. I called the number that was given to me with the creditors address and when I called, an automated representative was asking me if I was 50 years or older and that they have promotional offers. I knew right then that this was definitely fraud. I reached out to the credit bureau Equifax and they had me reset my password so they can help me see what they see. Once I gave them the info they needed, the representative saw that something was off. They said to reach out to FTC to get a form and give them the two accounts that are showing the only two accounts that Im aware of. Which are the accounts that have been closed a long time ago. To my knowledge, someone is tampering with my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX from email to my in-box. I was informed there were 2 fraudulent items on my bank statement - checking account. He proceeded to transfer me to Chase service, my bank. There I was told that the items could not be fixed. I was told that the FBI was involved. It would take 2 days. This went on over two weeks. I was told to track the people stealing my ID I would need to take all but {$300.00} out of my checking and savings. I was given a case number, told to take picture of name, case number, another picture of the cash. Give to carrier. Then went through XXXX to put money into my checking account. This process continued for two weeks when I stopped as losing money and I checked with Chase and was told that taking money out was not part of ID theft tracing. I am still dealing with my savings being non-existing and my checking also being low. I changed my debit number and reported to bank, credit bureaus, and XXXX. However, XXXX has me negative $ XXXX that I was being countered reported by XXXX XXXX of scamming him. He and a woman XXXX were being used on XXXX with my transfers of money back to my bank. The total was over {$8000.00} between these two people, neither of which I know. Shipments were said to have been made Between me and these two people, not with those two to each other. Their dates of transaction is XX/XX/2022. No shipments made to either of these two people nor to me. I had {$7100.00} taken from my accounts, {$8000.00} owe to XXXX. I believe that I now owe XXXX {$5000.00} which includes fees. I am out {$3000.00} in my bank accounts. When I stopped the two week back and forth with taking money out and putting in monies to my checking account, less money each time as money got stolen, I kept {$4000.00}, {$2000.00} in cash which has been spent in the month and {$2000.00} in my checking that has been spent on my bills. On my phone and email I have kept contact made to the people who claimed to be XXXX XXXX and Chase. On report made to FBI and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Hello- I have had a perfect credit record my whole life and have never missed a payment. Capital One turned off my credit card 's auto pay without notifying me earlier this year and has caused my credit score to drop over 100 points. It appears they posted 3 derogatory marks on my credit profile and only removed 1 of them from my previous complaint. My Capital One credit card balance was only {$50.00} during all of this headache, which I paid off immediately as soon as I found out my auto-pay had been disabled. I even paid the late fees. I constantly pay off my cards in full every month ( {$1500.00} - {$3000.00} a month ), which you can see from my credit profile. It makes no logical sense that I would miss a {$50.00} payment and destroy my credit score. Can you please remove all of the derogatory Capital One marks from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Key 2 Recovery, Inc.
State: VA

Complaint narrative:
key2recovery.com keeps calling me asking for my brother after I have told them numerous times I am not him and have told them numerous times to stop calling or I would report them for harassment. it's ridiculous they are calling my brother isn't even out of college yet and doesn't have to start paying on his XXXX  loans until XXXX and they are already trying to call him harassing me in doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company refuses to send me my credit report.

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 2022-06-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX RE : XXXX  RE : XXXX RE : GRAMM LEACH BLILEY XXXX XXXX FCRA VIOLATIONS RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT PHYSICAL VERIFIABLE PERMISSIBLE PURPOSE XXXXXXXX XXXX/Federally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report. 
Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. SEND THE REASON EACH OF THESE INQUIRIES WERE MADE AND SEND ME EACH COMPANIES PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 

YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I was given forbearance during covid they said absolutely I was have options after covid forbearance I asked them if they r sure cuz they know IAM on XXXX they said no problem rest a sure ur gon na be fine u have multiple options after forbearance they had someone out at my home taking pictures of me scared the XXXX at me an he sat in car when I told him to please leave IAM not well he yelled from his car pay ur bills lady I can't reach point of contact they say THAT he is on the other line or busy with a client an that I been told to pay full amount or lose my home I am in despair I have no where to go my family an husband r XXXX I have no kids I have XXXX types XXXX an a XXXX hip being XXXX  will XXXX me they won't remodify my loan they won't take a extra XXXX on top my monthly payment to pay the forbearance amount in installments they r always telling me lose ur home or pay I terrified by their actions an threats they said I have a court date but won't tell me when an haven't mailed me any court date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: OH

Complaint narrative:
I received another email by Navient on XX/XX/2022, after I made efforts with my loans actually, legally, in XXXX. " I am missing several payment credits '' for FEDERAL LOANS. I PAID IN FULL, loan XXXX in the amount of the total current balance due for XXXX. I am missing XXXX credit with Navient confirmation payment XXXX. In addition, I made a small payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is Navient confirmation XXXX. I also paid off 2 PRIVATE LOANS through XXXX XXXX. I spoke with " XXXX '' at Navient XXXX XXXX department over two weeks ago to confirm the settlement. My account still shows I owe for all these payments. There should be no balance or default status in my Navient web account, Signature Student Loan XXXX, XXXX, or XXXX. Navient gave my forgiveness for loan. Please see the attached Navient email, speaking the untruths about my false neglect. Please see attached file from XXXX XXXX of settlement. I paid the private loans in XX/XX/2022 to get the " default '' status off my credit report. So I paid on private loans in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: GA

Complaint narrative:
I filed a dispute in regards of items on my credit report it has been well over 30 days I havent received any investigation results.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per 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 non-monetary relief
Consumer complaint received 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion : XXXX Bank XXXX XXXX  : XXXX Bank reports to Transunion I made a payment on XX/XX/XXXX XXXX car was repo without notice or writing then sold by XXXX Bank without notice. I did not make the payment .Transunion is reporting a incomplete account number and balance. I believe they XXXX bank sold the account with a Bal of {$6500.00} to a collection company that amount is wrong over {$2100.00}. I request that Transunion remove this account at once .Transunion will not let me log in at this time to look at my credit report because Im disputing 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 non-monetary relief
Consumer complaint received 2022-06-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 

16 U.S.C 1681 section 602 A. States | have the right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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