vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Senex Services Corp.
State: OH

Complaint narrative:
SENEX SERVICES WARNING I had several hospital bills from XX/XX/XXXX-XX/XX/XXXX however I don't know where to find the information anymore. I have called the hospital several years ago to fill out the required paperwork to have these bills waived as I was indigent at the time. I was told it was no longer possible and these bills fell off of my credit report after 7 years. I recently received a notice of judgment where there team of BLOOD THIRSTY lawyers SUED me to garnish my wages!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MiraMed Revenue Group LLC
State: MI

Complaint narrative:
Miramed revenue group. On XX/XX/XXXX I paid a {$90.00} collection bill with them. I recorded the call and was told that the bill would drop off of my credit if I paid it. It didnt drop off of my credit. The status was only updated to paid which still shows up as bad. The company wont answer the phone. I paid the full balance and the entry should be deleted completely from my credit. 
The exact same thing happened with XXXX XXXX a few years back. I agreed to pay the debt after the agent explained that it would be removed from my credit completely, not only updated to reflect paid. After years of going back and forth XXXX has still not removed the debt in its entirety off of my account. Legal representation had to finally be deemed due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX continue to show inquiries on my report that I did not consent to, nor benefit from. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been locked out of my own paypal account and am unable to pay Bill 's and do my small businesses My email is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX. I already did complain about Citi Bank. They close my checking and saving again, and on my last complain, they was response to me and gave me check from my checking account, but they totally forgit about my saving account, I also had money on saving account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX  v. XXXX XXXX Corp., No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Sequium added an account to my credit that does not belong to me. I never received any notice, letter, or contact from this company and never heard of them until I checked XXXX XXXX. When I call Sequium ( FOCUS RECEIVABLES MANAGEMENT ) no one answers and the voicemail is full. I have sent several emails that go unanswered. I have never had a XXXX XXXX XXXX account. This account does not belong to me. I sent Sequium a letter to dispute XX/XX/2020, got no response. As of today, no reply has been received. Sequium first broke the law by failing to provide any notice before it was added to my credit. Sequium continued collection activity after I contacted them by verifying the item with all three major bureaus while ignoring my request for verification. This is wrong and illegal ; Sequium has no signed contract, no audio recording, no e-signature, nothing to verify this is mine because it is not my account. 

I do not even know the address where the service is located because no one responds. Also. I am a former XXXX XXXX XXXX employee, but I have never had the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX. On XX/XX/XXXX I paid a {$90.00} collection bill with them. I recorded the call and was told that the bill would drop off of my credit if I paid it. It didnt drop off of my credit. The status was only updated to paid which still shows up as bad. The company wont answer the phone. I paid the full balance and the entry should be deleted completely from my credit. 
The exact same thing happened with Santander Consumer a few years back. I agreed to pay the debt after the agent explained that it would be removed from my credit completely, not only updated to reflect paid. After years of going back and forth Santander has still not removed the debt in its entirety off of my account. Legal representation had to finally be deemed due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I mailed a letter about Child Support Reporting on my Consumer Report on XX/XX/2021 and I have not received a response to my letter. Today is XX/XX/2021 and that's over 45 days. My action was to send the letter to inform them of their violations of my privacy on my Consumer Report with the Child Support.

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 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I was scheduled to close on my refinance through Amerisave Mortgage on XXXX XXXX, 2021. The closing agent never showed up. The loan officer was unable to find another closing agent but assured me he would eventually and that I would not lose my rate lock. Later in XXXX I learned that they did in fact lose my rate lock and the interest rate had increased. They offered to proceed with the loan at the higher rate or refund my {$500.00} application fee. I opted to terminate the loan with Amerisave because I could no longer trust their word and asked for a refund on XX/XX/XXXX. I was told it may take up to 2 weeks to process the refund. 
It has now been 6 weeks and no refund.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
On XX/XX/13, I went to XXXX western union to send money to XXXX XXXX. At the time, I was charged with massive {$58.00} transfer fee which I did not received any disclosure about. I've asked the employee at the time of the transfer how much is the fee, employee did not disclose the information but told me she does not know until I completed the transaction. Because my english proficiency is not good, I feel that the XXXX has taken advantage of me. I went to XXXX XXXX western union and performed the same international transfer and it only cost me XXXX some dollars. I went back to XXXX asking for refund on the fees charged and the employee told me that's how much they charge. Still, did not provide me with the service fee schedule where I can look before sending the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
My complaint is against Santander consumer for a auto loan on a car that was repossessed my information was entered into the class action lawsuit nj had against them i have not received any restitution or had this loan removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is identity Theft. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. Credit Acceptance Co out of Michigan has the propensity to berate under served customers and communities per the 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 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have 6 opening account with XXXX XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX XXXX XXXX have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.

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 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal close my account for no reason and not helping.me to getting to back up.im.not surr if this is some mistake as assume it has to be im not be able to get help from them for a months.but its just remembered i can file a report on here as i feel.they not doing ther job properly and its effecting me a great deal as i used paypal quite.my email link to paypal.is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I mailed a letter on XX/XX/2021 to XXXX, Transunion, and XXXX about 2 child support accounts on my Consumer Report and that violates my privacy and privacy act by reporting this. I havent received a response from neither of the 3 companies and its XX/XX/2021, thats over 45 days.

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 2021-05-17 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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I entered into an agreement on XX/XX/XXXX to get out of foreclosure and have made every payment on time, including the required 'good faith ' payments. The Modification paperwork was signed and returned by XX/XX/XXXX. As of XX/XX/XXXX I have not received a countersigned modification. 

The servicers website does not reflect the permanent modification. 

And, I am being charged late fees, dispute not missing any required payments since you entered the XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I mailed a letter on XX/XX/2021 to XXXX, XXXX, and Equifax about 2 child support accounts on my Consumer Report and that violates my privacy and privacy act by reporting this. I havent received a response from neither of the 3 companies and its XX/XX/2021, thats over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
I am a victim of identity theft. On XX/XX/2020 an account by XXXX XXXX XXXX was put on my report that is not mine. I contacted Experian to take it down immediately because I filed an FTC report. For one month Experian has knowingly had a fraudulent account on my report. This violates the law and is a inhuman act that can not be tolerated.

My family I are looking to purchase a house and we may left homeless because of this account. This is immoral in my opinion. This account must be removed immediately. I have contacted the creditor Kikoff lending llc and haven't gotten any response so I am not sure how Experian got one and if they did how they validated something that isn't mine I am attaching an FTC report. Experian has violated human rights. Please remove this account you are hurting my family this is again the law according to the FCRA I do not want to take this into legal matters. I do not need another investigation on an account that it is wrong.

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 2021-05-17 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: TN

Complaint narrative:
I have 6 opening account with XXXX XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX auto finance have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have 6 opening account with XXXX  XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX auto finance have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.

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 2021-05-17 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: TX

Complaint narrative:
On XX/XX/21 I sent an FTC report to all 3 bureaus. Pursuant to 15 USC 1681c-2 a block of the information resulting from identity theft is supposed to take place after 4 days. It has been over 4 days and a block has still not been processed. I am in the process of renewing my lease and I am suffering because of these mistakes. You are in violation of federal 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 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX RECD CALL FROM XXXX XXXX XXXX XXXX XXXX .CALLER ID XXXX XXXX XXXX .FILE # XXXX XXXX. SHE TRANSFER ME TO XXXX XXXX XXXX XXXX. SHE SAID SHE HAS A CIVIL COMPLAINT VS ME FOR CAPITAL ONE VISA ENDING XXXX. 
TOLD HER NEVER HAD A CAP 1 AND NEVER RECD SUMMONS AND COMPLAINT. SHE SD I DID IN XXXX ( DID NOT REC ) SHE WENT ON TO SAY WAS MY CARD VRFYD BY NM/DOB/SSN AND UTITITIES AT 2 ADDRESSES IN XXXX XXXX ( XXXX XXXX  ) WHERE I NEVER LIVED. XXXX XXXX XXXX # XXXX XXXX FROM XXXX AND XXXX XXXX XXXX # XXXX XXXX. XXXX TO XXXX. I NEVER HAD A CAP 1 -- I NEVER LIVED NOR HAD UTILITIES IN XXXX XXXX. NOW LOOKING AT MY SKIP INFO THEY ADDED THOSE ADDRESSES TO MY NAME ON MY LIFE SEARCH. I LIVED ON XXXX FROM XXXX TO XXXX THEN FROM XXXX TIL NOW ON XXXX IN XXXX. NO WHERE ELSE NO OTHER UTILITIES IN MY NAME. SHE SAID THEY ARE USING A -- TOLLING CLAUSE -- TO FILE AGAINST ME ON XXXX TOMORROW AND LEANING MY PROPERTY.

Company response to consumer: Closed with explanation