vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I'm in the process of losing my home due to less income and death of borrower. I have reached out for over an year for help. Filled up for several mortgage assistance and keep getting turned down. I currently owe {$32000.00} after trying to resolve the matter. ( to bring current ). Specialized Loan Servicing is not trying to assist but take my home of 40 years. I have sent in several documents that always come up missing or unreadable, so I have to send again. 

This loan was transferred in XX/XX/2019 and I have been trying to resolve the matter. I keep getting told the investors doesn't want to invest. I have sent in several documents showing my hardship and my plan of action going forth.

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 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Collections LLC
State: UT

Complaint narrative:
Paragraph 1 On XX/XX/XXXX Company I had no knowledge of Cascade Collections was on my credit report account disputed Cascade Collections could not meet the requirements defined by 15 U.S.C. 1681 so account listed in complaint was deleted from credit reports. Credit dispute results attached from XX/XX/XXXX see page 1 in attachment Paragraph XXXX XX/XX/XXXX Company XXXX XXXX was on credit report XXXX XXXX could not meet the requirements defined by 15 U.S.C. 1681 so account listed in complaint was deleted copy of credit report attached from XX/XX/XXXX see page 2 in attachment Paragraph 3 XX/XX/XXXX XXXX XX/XX/XXXX put an account that could not comply with 15 U.S.C. 1681 ( reference Paragraph 1-2 ) back on credit reports copy of account attached from XX/XX/XXXX see page 3 in attachment Paragraph 4 XX/XX/XXXX Sent Validation defined in 15 U.S. Code 1692g via USPS certified mail to XX/XX/XXXX and XXXX XXXX, receipts of delivery included with copy of validation letter. As of the date of this complaint still no response to 15 U.S. Code 1692g see page 4-11 in attachment Paragraph 5 XXXXXX/XX/XXXXwas removed due non compliance with 15 U.S. Code 1692g and 15 U.S.C. 1681 see credit report attached from XX/XX/XXXX see page 12 in attachment Paragraph 6 XX/XX/XXXX XX/XX/XXXX could not comply with my rights defined by FCRA 15 U.S.C. 1681 and FDCPA 15 U.S. Code 1692g and now seeks Unlawful Judgement via XXXX  district court state of XX/XX/XXXX copy of Judgment attached see page 13-18 in attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
why is XXXX being taken from me i explained i got an XXXX XXXX from the XXXX XXXX XXXX  did the store respond to the dispute? this is capital one spark card i answered orally at nauseum. i want the money credited. i also told you i was ripped off and the cost was misrepresented.the cost refund me. please refund the XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: NV

Complaint narrative:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX : XXXX XXXX XXXX  ( XXXX  XXXX- {$280.00} )

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 2020-01-31 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: NV

Complaint narrative:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX  XXXX- {$280.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX  {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX   XXXX  {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} 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 2020-01-31 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} 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 non-monetary relief
Consumer complaint received 2020-01-31 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: MI

Complaint narrative:
XXXX  is reporting that my harley davidsion payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and transunion submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

Transunion fixed the problem but XXXX  refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if XXXX  is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix eqifax to report it correctly. 

I currently only have my statement from XXXX showing XXXX being paid on time. XXXX has not issued my statement showing XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you

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 2020-01-31 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: MI

Complaint narrative:
XXXX  is reporting that my XXXX XXXX payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and XXXX submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

XXXX  fixed the problem but XXXX  refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if Experian is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix XXXX  to report it correctly. 

I currently only have my statement from XXXX showing XXXX being paid on time. XXXX has not issued my statement showing XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you

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 2020-01-31 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: NV

Complaint narrative:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


ACCOUNT : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: AES/PHEAA
State: WA

Complaint narrative:
My student loans are serviced by FedLoanServicing ( FLS ). I have at present {$74000.00} total across seven different student loans with varying interest rates. I'm currently on an IDR payment paying about {$450.00} a month. That {$450.00} has to be allocated to the 7 loans proportionally, according to FLS. They refused my request to allocate a larger percentage to the highest interest rate loans, saying that there is a " federal requirement '' that they apply the IDR monthly payment proportionally to the seven loans, allocating the payment to each loan based on the that loan 's balance as a percent of my total student loan balance. That effectively means that I am unable to pay principle on the higher interest rate loans. Instead the principle payment is actually being applied to the lowest interest rate loan. 

I called and spoke to several people at FLS to make this request. I was transferred to a supervisor, XXXX, employee number XXXX, who denied my request and cited a federal regulation that he said requires MyFedLoans to allocate my monthly IDR payment proportionally to the student loans, instead of applying more to the highest interest rate loans. There is no written requirement in the IDR loan language stating this, and the effect of it is to ensure that borrowers may more in interest over the life of their student loans. Please contact FLS and ensure that they grant my request to apply all principle payments made through my IDR loan payment to the highest interest rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint narrative:
I spent the whole afternoon ( XX/XX/XXXX ) with Experian trying numerous ways to unfreeze my credit so that I could make an application for a mortgage. 

Over the last several day I was unable to unfreeze my credit with XXXX  and XXXX  with minimum of difficulty compared Experian. My bank is requiring credit report corroboration from all three agencies for my application. 

Experian have no access to a 'human ' and I eventually found a number after searching XXXX Reviews for several hours 'how do I reach a human at Experian? ' at XXXX, after numerous failed attempts at trying to unfreeze my account on-line. All accessible and XXXX type accessible phone numbers for Experian gave menus that did never lead to a human and abruptly ended with 'Goodbye '. 

Experian absolutely refused to resolve my request to unfreeze my credit by phone and also claimed that I had been sent a PIN by mail that I never received. My problem is that I have recently moved to XXXX   and I am staying with a friend and do not have a utility bill or a bank statement to this address in the US. 

Since Experian is refusing to unfreeze my credit report I left in a situation that I am unable to get a mortgage pre-qualification letter to buy a home. Of course my XXXX address and records since XX/XX/XXXX don't count and I sold my apartment in XXXX  XX/XX/XXXX. 

It is absolutely incredible that Experian would HIJACK my credit report and ability to negotiate a mortgage and not even provide access to communicate with a human, an email address for customers or a Fax number or street address to securely send documents just a PO Box ( Experian 's National Consumer Assistance Center at XXXX. XXXX XXXX, XXXX, TX XXXX, physical address on the web is not given and apparently the company is headquartered in XXXX XXXX ).

The ability to selectively and temporarily reverse my credit freeze is of the utmost importance for my protection of my financial identity and credit and I actioned this when I understood that I was a victim of the XXXX  hack. What is inappropriate is that there should be such disparity of consumer service of Experian compared to XXXX  and XXXX. This is the substance of this complaint and I request CFPB in breaking the hijacking of my financial identity by Experian. 

Thank You and So Very Respectfully,

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 2020-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
transunion and XXXX  giving my credit report to companies without my consent. 
companies accessing my report without my consent These companies illegally pulled my credit unnecessary and with out my approval XXXX XXXX XXXX XXXX XXXX XXXX, on transunion XX/XX/XXXX XXXX XXXX, on transunion XX/XX/XXXX XXXX XXXX, on transunion XX/XX/XXXX XXXX XXXX, on transunion XX/XX/XXXX 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 2020-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was defrauded by a group impersonating legitimate companies through an employment scam. XX/XX/2020 I was " recruited '' by XXXX XXXX XXXX XXXX, using the names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and an alleged HR Team. 
XX/XX/2020 They " hired '' me for a high paying position and sent me an I-9 and offer letter which I completed and returned. So they also have all my personal information. 
I was made to contact and pay {$1000.00} to a " vendor '' XXXX for materials I would need to perform the job. 
I sent the money via Zelle through my XXXX  XXXX XXXX App thinking it would be the safest option. 

Zelle has refused to issue a refund and XXXX  XXXX XXXX is not assuming any responsibility for the issue. I would have never sent money from my mobile banking app had I known it was not insured or protected. 

They also sent me a fraudulent check " to cover my training expenses and time " in the amount of {$3900.00} from another legitimate company " issued '' from a regional bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: NV

Complaint narrative:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding.

Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness.

Please remove these item from my report or legal action will be taken.

Thanking you in advance.

ACCOUNT : 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 2020-01-31 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: NV

Complaint narrative:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding.

Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness.

Please remove these item from my report or legal action will be taken.

Thanking you in advance.

ACCOUNT : 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 non-monetary relief
Consumer complaint received 2020-01-31 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: FL

Complaint narrative:
I submitted through certified mail police report, FTC fraud affidavit and documents needed to Transunion credit bureau to remove fraudulent items from my credit report these documents arrived on XX/XX/2020 with certified mail receipt and according to the federal law they have four days to remove and block this information from my credit. Today XX/XX/2020 I spoke with a supervisor at transunion. She explained to me that they received my documentation and that they will not remove or block the information from my account. I explained to her that I had spoken with the federal trade commision and sent them the needed documentation. She replied sorry I cant do anything.

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 2020-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Loantopia
State: CA

Complaint narrative:
They have repeatedly violated ACH revocation. The first violation was in XX/XX/2019 and the company purposely ignored the revocation and went into my account without permission. The next violation they sent court documents to my house that they had no intention of filing and threatened me via email on several occasions. XXXX XXXX their collections manager sent many nasty emails, texts and calls. The amount the claim was owed is erroneous, they have not applied payments made. They threatened to contact my employer. They threatened to contact the creditors. I tried to make a payment online but there was no way to change my ach account information or view it. Instead of an " authorize payment button '' they have a button that says " continue '' but it doesn't go anywhere it just process payment without permission. I have many text message threats from the company. I have repeated emails threatening legal action. The violated the ACH written revocation again in XXXX and refused to return the money. Said they can go into my account and violate whenever they want. My bank had to step in for their fraud. They did this again in XX/XX/2019. They repeatedly threaten me, harass me, go into my account when they want and their ach system is in violation of the rules required. 

I have attached just a sample of their threats and violations.

Company response to consumer: Closed with explanation