vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have attempted to use the Equifax website several times over a period of several months to temporarily unfreeze my account. In all cases I was able to correctly answer the questions posed to me ( on the website ). Yet, in every case, I have been instructed to call their toll-free number to speak to a representative. 

Early on, I obtained a PIN, which should make the process of freezing or unfreezing simple and quick. Despite having a PIN, I was required to answer numerous questions when I called in. 

I appreciate that it is critical to maintain the security of my account. However, some of the questions are unreasonable. For example, I was asked to provide the month and date when I first implemented the freeze. This was several years ago, and I have no idea when it was done, nor was I told ( at that time ) that it was important to keep a record. 

I was also asked what my job title is on my credit record. Obviously, I know my job title. But, I have no idea what's on my file. Apparently, the two don't match ( and I still don't know what's on my file ). 

I was also asked to provide the current balance on a credit card account which was no longer open. Note that this was *after* I had indicated that it was a closed account. 

My inability to provide correct answers prompted the agent to ask that I mail in hard-copy information. This was particularly frustrating when I was trying to *reinstate* a freeze. This procedural hurdle was preventing me from protecting my own credit in a timely fashion. 

I escalated this issue to the manager on duty, and it has been resolved. My complaint is that there is a systemic problem with Equifax. The fact that it has existed since at least XXXX of 2018 suggests that they are not making a serious effort to correct it. 
By contrast, I have had no difficulties at all with XXXX or XXXX XXXX. 

All of the credit reporting agencies heavily market paid services for locking your credit report. I find it suspicious that Equifax has a long-standing deficiency that makes it difficult for non-paying consumers to obtain rights which are due to them under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
I have had the same conventional adjustable rate mortgage since XX/XX/XXXX. It started out with XXXX   was transferred to XXXX, then XXXX, and then the loan servicing to Loancare. My interest and principal payments adjust every XX/XX/XXXX. 

Loancare illegally accelerated repayment of the principal when it calculated my yearly arm adjustment and applied it to the XX/XX/XXXXloan payment. The on-line amortization schedule shows that the principal payments were calculated out to the year XX/XX/XXXXinstead of XX/XX/XXXX. [ Attachment-1. ] On XX/XX/XXXX I contacted customer service by phone and I was told that I should not make a payment until customer service corrected the discrepancy. I was told to email XXXX. That same day I sent an email. [ Attachments 2. ] On XX/XX/XXXX I was assigned Ticket No. XXXX and received two responsive emails and attached statements. [ Attachments 3-6. ] On XX/XX/XXXX I called customer service and asked to speak to a supervisor and talked to Supervisor XXXX. He told me he would escalate resolution of my problem. 

XX/XX/XXXX I also wrote an email to customer service. [ Attachment-7. ] I complained that Loancare had reported to the credit agencies that I was 30 days late. [ Attachment -8. ] XX/XX/XXXX I called customer service again and spoke to XXXX and then Supervisor XXXX. Again I was advised that making a payment would not resolve the problem, that the money would be put in a suspended account. I was promised by XXXX that she would escalate resolution of my problem and to give her three days. 

It is XX/XX/XXXX and nothing has changed. My amortization schedule is the same. My payment is doubled. I started working with a mortgage broker to try to refinance my mortgage loan but my credit report has to be corrected. The credit reporting affects my ability to get a job, the cost of insurance, and my ability to get loans. Today I wrote a letter to LoanCare Loss Mitigation, attached hereto and am filing this complaint because customer service has not resolved the problem as promised.

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 2019-06-28 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield and Associates reported a collections on my credit bureau on XX/XX/XXXX. I called them at XXXX and spoke with a representative who informed me they were collecting a debt for my adult daughter from XXXX  XXXX XXXX XXXX for XXXX from XX/XX/XXXX. MY DAUGHTER IS XXXX! I WAS NOT PRESENT AT THIS VISIT AND AM NOT RESPONSIBLE FOR HER DEBTS! SHE HAS HER OWN FAMILY, JOB, AND HOME! The representative acknowledged i was not responsible for the debt but when i asked for documentation that it had been removed they just kept asking for my daughters information. I asked for a manager and he said he could take care of it but only if i gave him my daughters phone number and she paid the debt. I have worked hard to rebuild my credit and this is not my debt and I WANT IT REMOVED FROM MY CREDIT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
XXXX XXXX is listed on my credit report. I have never had a joint account with XXXX XXXX. We were married with separate names - separate lines of credit in everything. He passed away 2008 XX/XX/XXXX - I never took on his name nor shared a credit line with him. Please remove from my credit report. 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 2019-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Performant Financial Corporation
State: MD

Complaint narrative:
IN THE YEAR OF XXXX I WAS ADMITTED INTO THE UNIVERSITY OF THE XXXX XXXX XXXX IN XXXX.I HAD TO BORROW LOANS FROM THE INSTITUTE UNTIL GRADUATION XXXX. AFTER GRADUATION I FOUND IT HARD TO SECURE A JOB. 
AFTER SOME YEARS I WAS ABLE TO SECURE ONE, BUT BY THEN MY SCHOOL LOANS HAD MOUNTED UP TO THE TUNE OF $ XXXX.THIS COMPANY CALLED PERFORMANT RECOVERY. INC WERE GARNISHING MY WAGES AND WERE TAKING OUT {$89000.00} EVERY TO WEEKS.AS A RESULT I HAD NOTHING LEFT FROM MY PAY CHECK.MY CAR WAS REPOSSESSED AND I EVICTED FROM MY RESIDENCE, I FINALLY STARTED BEGGING THE AGENT WHO IS CHARGE OF MY ACCOUNT THAT HE SHOULD PLEASE CUT ME SOME SLACK AND GIVE ME A LOAN MODIFICATION IN THE AMOUNT OF {$440.00} WHICH WAS HALF OF THE {$480.00} WHICH I WAS PAY INITIALLY.

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting inaccurate data on my credit report, and will not fix the errors. 

See below. 

I am disputing XXXX XXXX XXXX XXXX reporting on my credit report. See below and attached documents. 
Payments made were 45 months not 42. ( late payments were still paid ) Total Payments = {$12000.00} not {$8100.00} My payments were {$280.00} a month. {$280.00} X 45 = {$12000.00}. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have been denied the right to request validation of the debt. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.

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 2019-06-28 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: FL

Complaint narrative:
XXXX XXXX is listed on my credit report. I have never had a joint account with XXXX XXXX. We were married with separate names - separate lines of credit in everything. He passed away 2008 XX/XX/XXXX - I never took on his name nor shared a credit line with him. Please remove from my credit report. 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 2019-06-28 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: RI

Complaint narrative:
I have disputed an erroneous collection report on my experian credit report multiple times with no avail. I have sent them the actual documents from the CA that proves that it is not even in my name ( name on CA documents is not even spelled the same as mine and signatture too. ) yet they still report this information. After i complain to experian and complain on here all the do is send me an updated copy of my report with the wrong information still.

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings, Today I had an inquiry on my report that negatively affects my score from a company that I've never dealt with and have NOT authorized them to review my file. I reached out to Trans Union but they said I needed to reach out to XXXX, however, I have no clue who they are and have no idea how to contact them. Please help me remove this from my file. Thank you. 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 2019-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have incurable XXXX and have been working to improve my credit scores for lower life insurance and interest rates. My history on Transunion shows 100 % on time payments for years with the only drop in score due to 38 % credit card usage in XXXX ( car repairs/Dr 's. ), which I paid off to keep raising my score. By XX/XX/XXXX, my score was back to XXXX. On XX/XX/XXXX, I paid more to get usage down to 25 % and a XXXX score. I have since transferred {$470.00} to an interest free credit card account and paid off {$1100.00} for a drop of {$650.00} off my total balance and brought usage down 4 % to a total of 21 % with todays credit score check. No other categories changed, and I was shocked to see that my XXXX XXXX decreased, not increased. It makes no sense. How can everything remain the same except you lower your credit usage from 25 % to 21 %, which is a high impact category, and your score is lowered and you are punished. I was on the phone to Transunion 3 times for explanations only to be told by someone from XXXX, that they could not tell me why. Then I placed another call and someone named XXXX from the XXXX told me the same thing and neither could give me a contact number for a United States office to call or visit, but they could transfer me and connected me to a number that rang over 20 times and no answer. Sending Attachments so you will see my Transunion score info and changes and all categories remained the same or improved but the credit score dropped.

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 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OR

Complaint narrative:
This is not my debt and when I called to inquire about it they said it was a debt of XXXX XXXX and would give no explanation of why its in my credit. When I disputed it through XXXX they claimed it was a legitimate debt but it is not. It is not mine. I am not married or even related to that person. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX  The short sale was started XX/XX/XXXX with SLS. On XX/XX/XXXX we were told the file was complete. 

On XX/XX/XXXX we were countered. On XX/XX/XXXX the buyer met their counter. 

On XX/XX/XXXX we were finally told that SLS had DONE NOTHING on the file and we had to start over. 

On XX/XX/XXXX we were told that the file was complete, was sent to the investor and we would have an update by XX/XX/XXXX. 

On XX/XX/XXXX they told us they had nothing done on the file and claimed they had 30 days more to work on the file. 

On XX/XX/XXXX we filed a CFPB complaint, to which SLS stated they did nothing wrong and too bad. ( See attached complaint and SLSs pathetic response. 

On XX/XX/XXXX we were told that it had passed MI review and was sent to the XXXX XXXX for decisioning. 

On XX/XX/XXXX we were told that XXXX XXXX is now requiring a higher net. NO EXPLANATION WAS GIVEN AS TO WHY THIS CHANGED SUDDENLY AND I CAN ONLY IMAGINE SLS WAS LYING WHEN THEY SAID THEY SENT IT TO XXXX XXXX PRIOR TO THIS. 

On XX/XX/XXXX the buyer accepted the new new counter offer and all docs were submitted. 

On XX/XX/XXXX we were told that SLS had to order YET ANOTHER BPO VALUATION. 

On XX/XX/XXXX we were told that it was sent to the investor yet again, and on XX/XX/XXXX it was sent to PMI for approval. 

***SLS STATED TODAY XX/XX/XXXX THAT WE HAVE TO START OVER AND THE HOMEOWNER HAS TO GO THROUGH ANOTHER LOAN MOD REVIEW, EVEN THOUGH HE HAS BEEN DECLINED MULTIPLE TIMES ALREADY AND THE HOMEOWNER DOES NOT LIVE IN THE PROPERTY. 

SLS has STOLEN five ( 5 ) months of servicing fees from the investor. They are obviously defrauding their clients, their investor, can not follow State or Federal guidelines, and think the CFPB is a joke. 


**************SLS CONTINUALLY MAKES UP DOCUMENT REQUESTS IN AN ATTEMPT TO MILK THE SERVICING FEES OUT OF THE INVESTOR, XXXX XXXX XXXX THEY ARE DEFRAUDING THE INVESTOR. BY FORCING THE BUYERS TO CANCEL THEY CAN KEEP THIS IN A DEFAULT STATUS INDEFINITELY AND CONTINUE MILKING SERVICING FEES OUT OF THEIR INVESTOR. IT IS CLEAR AT THIS POINT THAT IS SLSS BUSINESS MODEL, PURPOOSEFULLY FRAUDULENT SERVICING POLICIES RESULTING IN EXTENDING THEIR INCREASED MONTHLY DEFAULT SERVICING FEES. 


********THEY HAVE DONE NOTHING BUT LIE TO US SINCE XXXX THIS NEEDS TO STOP NOW AND I DONT WANT TO HEAR ANYMORE XXXX LIKE THE RESPONSE YOU GAVE IN THE LAST CFPB COMPLAINT ABOUT HOW YOU HAVE DONE NOTHING WRONG. CLEARLY YOU HAVE. 



I want SLS to be investigated for these continual and deceptive communications. I want the short sale approval letter that we should have gotten shortly after the buyer accepted SLSs counter offer on XX/XX/XXXX. 


CC : 1. XXXX XXXX XXXX. OAG 3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Greetings, Today I had an inquiry on my report that negatively affects my score from a company that I've never dealt with and have NOT authorized them to review my file. I reached out to XXXX XXXX but they said I needed to reach out to SYNCB, however, I have no clue who they are and have no idea how to contact them. Please help me remove this from my file. Thank you. 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 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
Repeated calls from Diversified Consultant from phone number XXXX without any message being left. 
Upon answering one call the person asked me to identify myself and proceeded to inform I owe {$1000.00} without providing any additional details. 
I asked for clarification and proceeded to inform " this call is being recorded '' and " my actions will be taken into consideration ''. 
I proceeded to contact XXXX XXXX, the company who engaged the services of Diversified Consultant who provided me with further details on the situation. 
It remains unclear the steps followed by XXXX XXXX to open an account ( e.g. in person or over the phone ) nor the full details that led for them to ask a collecting agency to search for people with my name, such as whether or not they ask for forms of ID, run a credit check, etc. 
Upon contacting XXXX XXXX they asked for their ID Theft form to be filled and notarized. 
Their ID Theft form has 2 major flaws : it asks for the full SSN to be provided and a copy of form of ID to be provided. These are, precisely, instrumental for ID Theft and should have NEVER been asked by XXXX XXXX in any way or form. Instead, they should leverage the Police department to address any concerns regarding proof of residence and ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Real estate property : XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I would like this information to be entered in my credit report as far as my home address, my employer, and my real estate holdings all this need to be updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My original student loan in XX/XX/XXXX was {$35000.00}. Over the years I made payments and also had my taxes garnished but the total just kept getting higher. In XX/XX/XXXX I got a call from XXXX XXXX of XXXX XXXX Ext. XXXX. She told me that I since I was a single mother and that my loan was so old, I was eligible to reduce the interest rate of 9 % and to have all the penalties and interest removed after I made 5 payment in a row. XXXX XXXX at XXXX # XXXX XXXX walked me through all the paperwork and told me not to worry about all the legal speak and that before I knew it this would all be behind me. My loan is now at {$130000.00} still at 9 % and I just got an email that if I don't sign a new document my payment will be {$1600.00} per month and a everything will capitalize on top of the old amounts. When I called to ask what was going on the customer service person told me that I should be careful of what I sign. She told me to call my senator or contact the department of education. That I should pay {$5.00} a month. Meanwhile, I am devastated and don't know how to even begin to tackle this debt. I feel I was defrauded by XXXX/ Navient and I met others where the exact situation took place. I feel so foolish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
I have been sent to collections for a {$30.00} payment which I should not be responsible for. At that time I was covered under the state of Nevada  XXXX and had no copay for any 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 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

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