vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and 15 US C 1681a ( 2 ) ( B ) right of exclusions, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2021-08-10 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: AL

Complaint narrative:
I submitted a letter to the three consumer reporting agencies over 45 days ago and I still have not received a reply back. I dont know if they have just ignored my request but I want this to be taken care of quickly. I'm on the process of getting my first home and this is keeping me from closing on this mortgage. I would hate to lose out on my American dream due to lack of response. I may not know much about certain things but I do know that the website states that I should have had some kind of response within 30days or it is supposed to be deleted. I need this to be done immediately becuase if I lose out on this house me and my daughter will have no place to live. So unless you want to provide me with housing and reimburse me for the money I may lose on this closing I would like my request to be processed or I will have to seek litigation for these companies not following the law.

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 2021-08-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX ( Original Creditor : XXXX XXXX ) XXXX-Balance : {$2400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX. XXXX XXXX XXXX-Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX. XXXX XXXX XXXX-Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance : {$1000.00}

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 2021-08-10 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$3200.00} Reason : Identity theft Please remove it from 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 non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
We have been dealing with my student loan servicer Navient since XXXX on securing an extension of my previous forbearance that was approved by Loan Holder XXXX for the year XXXX. This forbearance was do to hardships I have incurred over the past five years that has resulted in us becoming financially in trouble. I have had numerous health scares. Due to these scares and the recent pandemic have become unemployed since XXXX. My wife is our sole income generator she currently works at XXXX XXXXXXXX XXXX where she XXXX XXXX XXXX XXXX she has conducted this research for over 20 years at various XXXX. Not only can we not afford to pay our loans at this time but I believe Navient has been acting in bad faith for the last 9 months in helping us with our loans. I have corresponded with them many times through the mail with various forms and letters to try and resolve my loan but to no avail. I am constantly receiving calls and letters stating they have not received all the proper paperwork, that we are not eligible, that information can not be verified. I receive at least 35 calls and voicemails a week from Navient, not to mention letters weekly. It seems like they keep stringing me along at this point so they can keep compounding the interest on my loan and charging me. My loan holder just keeps referring back to Navient. Finally last week was the final straw. Even though we have communicated via mail and email THEY CALLED A DISTANT RELATIVE IN N.C. LOOKING FOR ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on SANTANDER ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 XXXX XXXX requested a credit Score from XXXX, which they provided. Due to this score ( XXXX ), XXXX XXXX  rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still XXXX  add them to the reason of the low score. 
The Actual score when logging in the XXXX  website is XXXX. XXXX Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day.

If I had known the actual score that XXXX  was going to report, I would made a different choice that was not going to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 XXXX XXXX requested a credit Score from XXXX, which they provided. Due to this score ( XXXX ), XXXX XXXX  rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still XXXX  add them to the reason of the low score. 
The Actual score when logging in the XXXX  website is XXXX. XXXX Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day.

If I had known the actual score that XXXX  was going to report, I would made a different choice that was not going to affect my credit score.

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 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc.
State: TX

Complaint narrative:
Someone used my information without my knowledge to obtain a signature loan with XXXX XXXX XXXX XXXX XXXX. I have spoken with representatives from XXXX, and have been told there is a bank account and phone number that is not mine attached to the account, and that the account was accessed and payed from out of state. I was told XXXX would be investigating the matter and that they would be in contact with me. XXXX did nothing but continue their attempts to collect the debt and report false information to the credit bureaus. I have sent a letter, supporting documents, and a copy of the FTC Identity theft report to XXXX. Instead of resolving the issue, they have hired a debt collection agency, Debtsy. Debtsy continues attempts to collect a fraudulent debt and send false information to the credit bureaus. I have contacted Debtsy and sent them the FTC report, however they claim the debt is valid. I have never signed anything with XXXX, I have never entered a branch of XXXX, and I have never visited a website belonging too or affiliated with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 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: AL

Complaint narrative:
I submitted a letter to the three consumer reporting agencies over 45 days ago and I still have not received a reply back. I dont know if they have just ignored my request but I want this to be taken care of quickly. I'm on the process of getting my first home and this is keeping me from closing on this mortgage. I would hate to lose out on my American dream due to lack of response. I may not know much about certain things but I do know that the website states that I should have had some kind of response within 30days or it is supposed to be deleted. I need this to be done immediately becuase if I lose out on this house me and my XXXX  will have no place to live. So unless you want to provide me with housing and reimburse me for the money I may lose on this closing I would like my request to be processed or I will have to seek litigation for these companies not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
roughly on XX/XX/XXXX I spoked to a Rep from Chase. Her name is XXXX. SHE HAD ADVISED SHE WOULD DEDUCT {$1300.00} IN FEES AND INTEREST AND LATE CHARGES. THE PROBLEM IS SHE WAS SUPPOSE TO CALL BACK ON XX/XX/XXXX AND DISCUSS WHAT SHE WAS DID ON XX/XX/XXXX. NONETHELESS, NO FEES, LATE CHARGES OR ANYTHING WAS DONE ON THE ACCOUNT ( CREDIT CARD ) NOR DID SHE CALL BACK ON XX/XX/XXXX. I CALLED AND LEFT A MESSAGE WITH NO CALLBACK. I HAVE BEEN STRICKEN WITH THE XXXX AND LOST MY JOB. WHEN I TALKED TO SEE, SHE WAS GOING TO CALL BACK TO SEE IF WE COULD DO A DEBT SETTLEMENT. FOR {$3500.00}. AGAIN SHE NEVER CALLED BACK. I NEED HELP, I CAN NOT PAY THE WHAT IS DUE ON THE ACCOUNT. PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: TX

Complaint narrative:
I open my credit report today and see there is a new collection from a company I have never heard of. I was not even mailed a notice to dispute. No idea what is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
After making a large payment of {$8000.00} towards my balance, Barclays reduced my credit limit to {$1700.00}. This was done without ever receiving a late payment. They've ruined my credit while I am applying for a home loan.

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 2021-08-10 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$970.00} XXXX  ( Original Creditor : XXXX XXXX ) -XXXX-Balance : {$2400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00}

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 2021-08-10 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
STEVEN BUSINESS SERVICES XXXX XXXX- # XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I applied for and received a CALIF. Housing Finance Agency COVID mortgage forbearance, ( XX/XX/XXXX-XX/XX/XXXX 8 payments ). On XX/XX/XXXX, ( before I got the COVID forbearance ), their Dovenmuehle Mortgage servicer supervisor XXXX XXXX, ( contact info below ), had emailed me stating the forborne payments would be placed at the end of my loan and the loan recast at the same rate. 
On XX/XX/XXXX, I then sent them a letter by U.S. regular mail, certified mail, and email, ( to Dovenmuehle mortgage servicer ), asking to be removed from the COVID forbearance such that the last forborne payment would be XX/XX/XXXX. ( I paid XX/XX/XXXX and have paid XX/XX/XXXX ). Nothing happened. No response. An employee ( XXXX XXXX ), told me in an unrelated update letter dated XX/XX/XXXX, that my COVID forbearance is still in place. 
I sent emails to their counsel, ( available on request ), and today XX/XX/XXXX an employee, ( self identified as XXXX # XXXX ), telephoned me and said the exit from forbearance and my approval of terms would have to be in telephonic communications only but only they, not I, would be allowed to audio record. I protested and she stated I was refusing to move ahead. I said I was not and said I was merely requesting the documents be in writing to protect myself. She said she would ask her " underwriting team '' but could not " promise '' they would move ahead in writing. I said I would check with CFPB about this telephonic policy and asked her to have supervisor XXXX, ( who they posture as a real person ), call me back. 
A little while later she called back and said XXXX was " on vacation ''. 
My complaint is they wont respond to my request to culminate COVID forbearance, set up repayment like they agreed to, and do it in writing like all reasonable American businesses. 
Also they generated in last few days an automated email which appeared to, ( amidst their ignoring of my letter ), bait me into a secret, ( behind firewall of website portal ), " workout '' process, which I feel warrants investigation. 

XXXX XXXX XXXX XXXX Supervisor Loss mitigation Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX O : XXXX, ext. XXXX F : XXXX

Company response to consumer: Closed with explanation