vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 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: NY

Complaint narrative:
I am a victim of identity theft, I have contacted the company with a FTC report and a identity theft affidavit. They said that I did not have a police report when I did in fact have a police report. The police report is the FTC report. These accounts aren't mine and should not still be on my report. I am in the process of buying a house for my family and we may be homeless because of these fraud accounts. This is not right. I believe this has to be against the law. Help me and my family remove the accounts. I have attached the FTC report, and Identity theft affidavit, with proof of my identity.

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 2021-05-31 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: MD

Complaint narrative:
In an effort fix my credit and to remove negative items from my credit report, I began to address the underlying issues on what was owed on all of the accounts on my credit report. 
XXXX XXXX XXXX XXXX had a balance of {$210.00} as XX/XX/XXXX. I began to dispute this amount with Experian credit services, and provided them the necessary documentation from the company that was seeking to recover the {$210.00} debt. XXXX XXXX XXXX XXXX 's XXXX group, was the law firm handling the account. I contacted them, and I made arrangements to pay them the {$210.00} plus the interest which amounted to {$210.00} on XX/XX/XXXX. I submitted this letter to Experian so that they can update the account, and remove it at my request. 
On XX/XX/XXXX, after having filed a dispute several times, Experian told me that the account still remains and that the balance is still owed of {$210.00}. All Experian continues to do is update the account and tell me that the balance of {$210.00} is still owed. I can't imagine why they would tell me this even when I had submitted documentation to dispute their investigative efforts. 
Their case number regarding this is # XXXX. Can someone from this office contact Experian, and raise these questions about why they will not update the account and remove this as paid in full from my credit report. If Experian, XXXX, and XXXX  are there to report negative information on consumers who have faulted for some reason or another on a debt that they owed, and the consumer rectifies that problem and pays it off in full, and has documentation stating that it has been done so, why are these credit bureau 's not updating properly the information that is given to them so people can move on with their life? I am going to submit the letter from XXXX, XXXX and XXXX to further solidify my position in this matter. 
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 2021-05-31 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$14000.00}, {$11000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 



-PERSONAL LOAN- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 








Sincerely, XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We have made all payments and are out of forbearance. We are trying to refinance and we need a letter stating we are out of forbearance. We have been trying since XXXX XXXX to get a letter stating we are out of forbearance. 
Suntrst Morttage has been ZERO PERCENT in cooperating with giving us this letter. Suntrust has an interest keeping our loan at their higher percent. Please see below in our efforts to remidify : XXXX PLEASE NOTE : I have explesed that this extreme delay in the requested letter will COST US $ $ $ $ due to extending our " lock '' on our refinance, Thursday XX/XX/XXXX original call requesting letter stating we are out of forbearance. 

Monday XX/XX/XXXX, XXXX ( time on hold 1 hour 23 minutes ) s/w XXXX and explained that we had requested letter stating we are out of forbearance in order to move forward with our refinance. Told her we had already called and received no response and I needed to know what the status of the letter is/was. She said she would put an urgent on the request and that we should have a response within 24 to 48 hours. 

Wednesday XX/XX/XXXX XXXX ( time on hold 1 hour 49 minutes ) Called home preservation department and due to long hold times left a call back number XXXX received call back and from the wrong department ( customer service ) and was transferred to h/p and was immediately disconnected. 
XXXX called back and stayed on hold for 45 minutes. s/w XXXX and asked her to transfer me to a supervisor. XXXX put me on hold, stayed on hold until XXXX ( more than an hour ) XXXX called again ( while STILL ON HOLD waiting for a supervisor ) from a different phone. 
XXXX s/w XXXX XXXX who tried to contact her supervisor but supervisor was in a meeting. XXXX XXXX took my number and called back later and explained that the letter needed to be generated by the utility team but they had gone home for the day. She said she was putting an urgent on the request and that we should have a response within 24 to 48 hours. 

Thursday XXXX ( time on hold 48 minutes ) s/w XXXX and asked for supervisor. XXXX said a supervisor would call back within 24 to 48 hours. XXXX also said customers can not talk to or reach the utility department directly.

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 2021-05-31 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: Financial Data Systems
State: SC

Complaint narrative:
FINANCIAL DATA SYSTEMS LLC They failed to send me a signed contract to do business with their agency. They are not authorized to report to my credit report as I have not signed a contract to do business with them. Theyve failed to send me information on this debt. 

I disputed them twice and still no validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Over the last few years several debt collection agencies have registered an unpaid debt to XXXX XXXX with XXXX. In the past I challenged this debt ( twice ) and it was immediately dropped since I have never done business with XXXX XXXX. ( I don't believe they even do business in my region. ) Sequium Asset Solutions apparently bought the debt and has placed it back on my credit report. I have disputed this several times to no effect. I have called numerous times. Upon my fifth try I was able to speak with a representative who handles the " XXXX  file '' to address this matter ; but when I would not give him my full SS # he declined to help other than refer me to an email address. 

I contacted the Sequium e-mail address to handle complaints. After three attempts ( with my SS # ), they finally answered that " they have no record of this account ''. Yes, I have the e-mail. Subsequently they have never responded to my e-mails nor phone calls. 

After several more requests by XXXX, they still can not be bothered to remove this from my credit report. 

In closing, FYI, my credit report is spotless other than this error that Sequium Asset Solutions refuses to address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS ( Specialized Loan Servicing ) had us on mortgage forbearance last year, due to Covid-19. In XXXX it was coming to an end, so we requested a 3-month extension of that forbearance, to include XXXX / XXXX XXXX. 2020. 
SLS said yes ( this was over the phone ) and they would send me a letter to confirm. As weeks went by we never received the letter. 
I called SLS at least once a week to ask and was repeatedly told " don't worry, you're in review, just wait a few more days ''. 
Then I was notified by our credit card companies that SLS had reported " negative information '' to the credit bureaus. Up until then, our credit was always good, in the 800+ range. 
Now, due to SLS reporting us as late payment, " delinquent '' in XXXX / XXXX 2020, we can't get the new mortgage we're applying for. I called SLS and they told me it was a " mistake '' and would be corrected, also to ignore all the letters telling us to pay, as our file was " in review '' and we'd receive a letter or email to confirm. It never arrived. 
Finally in mid-XXXX we decided to pay the {$10000.00} we were behind on and cancel the forberance extension request, as SLS was never going to finish that review. Every time I called it was different, sometimes it was " the supervisor is reviewing '' sometimes it was, " we will call you in 3 days '' and so on, but never a written confirmation of the forberance extension review. 
We borrowed the money to pay SLS the {$10000.00} + and get the mortgage back to regular status. Have made our regular payments since then, so that is all current. 
But the negative info is still there with the credit bureaus and has not been corrected by SLS. 
Am now applying for a new mortgage and the lenders tell me they can't give me a reasonable rate due to this negative info. 
Have called SLS daily for the past 3 weeks, now they don't answer the phone, you put in all your info in the verification menus and then it disconnects you. My email messages on their website also get no answer, same with the 3 faxes I've sent asking them to correct the credit bureau info. 
I don't know what else to do, but need this fixed, we won't be able to get the mortgage we need for our new condo, and it's also very unfair. 
Please advise what else can we do, 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 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I received an unsolicited debit card in my name mailed to my place of residence from Huntington Bank. As I was out of town, I do not know exactly when the letter arrived, but sometime between XX/XX/2021 - XX/XX/2021 appears most likely. 

I did not request this account nor have I ever to my knowledge done business with this bank previously in any capacity. I have reached out to customer service of this company but they are closed on the holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX I went to the XXXX  store to find out about their monthly plans. The salesman was pushy and aggressive. I repeatedly told him I did not want to sign up and left the store empty handed. I did not receive any phones. Two months later in XX/XX/XXXX I started receiving a XXXX  bill. I called them and told them I Didnt get any phones. I was told that they verified I had in fact not gotten any phones and they would close the account and I would not get any more bills. In XX/XX/XXXX I saw XXXX  on my credit report for XXXX so again I called them. They said that no I did not get the phones and they took it off my credit report for 6 months. Then in XX/XX/XXXX it was back on my credit report. I repeatedly called XXXX  and every time was told that no I Didnt get any phone and they would get it off my report. The most recent time was XX/XX/XXXX. XXXX is very aware of the fact I Didnt get any phones and refuses to take this off my report for good. They say they will and they dont.

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 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank is currently reporting 3 unauthorized hard inquiries. I am unaware of these inquiries and I did not authorize them. 

I am specifically speaking to the inquiries report on these dates : Capital One Bank Usa XX/XX/2020 Capital One XX/XX/2020 Cap One Na XX/XX/2020 I am aware of the inquiries made May of this year. I authorized those inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This complaint is against Portfolio Recovery and original creditor is XXXX Bank The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This is a second credit card with XXXX XXXX bank that was opened fraudulently without my permission or consent. The first XXXX XXXX  was discharged in court. The documentation on that card was being sent to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. I NEVER lived in XXXX. The collection agency, XXXX XXXX removed it from my credit report. Additionally it was discharged and removed from all credit agencies. This is a second card from XXXX XXXX Bank that was opened in my name fraudulently. When this second card arrived to my Virginia address with XXXX  XXXX, I assumed it was a replacement card, I NEVER used it. I kept this card without knowing that the card was a second account opened separately and fraudulently. I NEVER CHARGED ON THIS CREDIT CARD, AND NEVER AUTHORIZED ANYONE TO USE THIS CARD. The address was changed and I never received any bills nor any goods or services because all billings went to the same address in XXXX Florida. I worked on my current job over 23 years and have a proven track record of employment, home ownership and utility bills in XXXX XXXX. All of which I provided to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA section 807 Violation False or misleading representations. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I am seeking litigation. Please delete at once. 

2. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. You are in violation of XXXX XXXX code XXXX XXXX g XXXX medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
Is there a way to get money back if your scam by the company 's that you were supplying a card machine for your business to be able to accept payments. and they did some thing where i only got some of the payments deposited it to my bank and most of the payments they would process normal on my end but never be deposited fully into my account. some customers have admitted to me that they would make there payment using there card and it would show processing for a few days than it would go away and they would never being charged for the transactions. The company use and changed name on me a few times, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  but on the irs form XXXX XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX The only name person I can recall is a XXXX XXXX and the guy who signed me up in the beginning XXXX XXXX. and not to leave out they filed a claim on my credit for a billing of improper charging of fees that they continue to take out of my account that i had to close because when the bank would block them from charging me they would use other thermal and charge a different amount so it would go threw. my contact info is : XXXX XXXX XXXX BUSINESS NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: WA

Complaint narrative:
In XXXX, XXXX, I received an offer from Discover about " {$45.00} back when you join XXXX 's XXXX ''. In the offer, it says " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I did exactly what the offer asked for. However, I still haven't get the statement credit back after 6 months. Then I contacted discover card on XX/XX/XXXX, I was told that I wasn't qualified for the offer and they are not able to tell the reason why I am not qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: NY

Complaint narrative:
I am a victim of identity theft, I have contacted the company with a FTC report and a identity theft affidavit. They said that I did not have a police report when I did in fact have a police report. The police report is the FTC report. These accounts aren't mine and should not still be on my report. I am in the process of buying a house for my family and we may be homeless because of these fraud accounts. This is not right. I believe this has to be against the law. Help me and my family remove the accounts. I have attached the FTC report, and Identity theft affidavit, with proof of my identity.

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 2021-06-01 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: TX

Complaint narrative:
Companys reporting to my credit Bureaus without my consent

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