vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XX/XX/XXXX I was sent a lawsuit of {$2700.00} to be garnished from my wages due to a hospital bill with {$130.00} towards court costs. I was told via payroll that my garnishment was paid in full in XXXX. I was then sent another lawsuit for the same cause number & judgment amount on XX/XX/XXXX stating a owed post-judgement interest to date & ADDITIONAL court costs of {$1300.00}. I was told it took 2 years due to COVID 19. I feel as if this LLC COMPANY is practicing unfair debt collections accumulating interest on an original judgment amount that was already being garnished. Also do not see how something that took two years on their end can continue to " accumulate interest ''. Not to mention the original & second copy of the lawsuit has a social security number which is not even mine, it is my mothers when I was well over the age of XXXX so she would not have taken me or signed for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
In XXXX of XXXX automatic payments were set up to pay XXXX XXXX XXXX XXXX for 12 months to pay an ambulance bill outstanding for XXXX. Because Im retired and on a fixed income I asked if this amount could be lowered. They agreed but said there would be fees. They sent me the paperwork which I filled out and sent back for a lower payment of XXXX. In XXXX I received a precollection notice stating that my payment hadnt been made. All this time theyd been receiving the initial auto pay of XXXX as the lowered amount hadnt been processed. I called back to find out what happened and a young man looked up my account, apologized and agreed that my new amount had indeed been processed and was now {$51.00}. I modified my auto payments based on this call. Since then Ive received a collection notice and phone call saying I wasnt making payments. I refused to argue with the collector in XXXX of XXXX but then received another collection notice on XXXX XXXX. I called back XXXX XXXX and was told my auto payments had been denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
BB & T is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX. I have attempted to dispute the account with the credit bureaus along with BB & T directly but they have ignored my request. This is a violation of the Fair Credit Reporting Act and I demand the account be removed because of this. I have attached the latest letter sent to BB & T along with the Certified mail slip confirming that BB & T received my letter. 

Certified mail slip to BB & T 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 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union is attempting to collect a debt in the amount of XXXX. This debt is a result of identity theft and should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have sent several disputes to each one of the credit bureaus : Transunion, XXXX, and XXXX. They have yet to respond or provide me with any results!! I have been sending letters since XXXX XXXX XXXX and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.

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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I should not have to be doing this complaint if the credit bureau were doing their job. Back in XXXX of 2020 I filed dispute with XXXX, Transunion and XXXX. There are things on my reports that are not correct and I want them corrected. This should not take this long to do that. Attached is the first disputes I submitted

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 2021-01-21 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: CA

Complaint narrative:
I should not have to be doing this complaint if the credit bureau were doing their job. Back in XXXX XXXX XXXX I filed dispute with XXXX XXXX XXXX Equifax. There are things on my reports that are not correct and I want them corrected. This should not take this long to do that. Attached is the first disputes I submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Back in XXXX I began a modification process on my mortgage due to loss of income. I was given a trial period to pay a new amount. Once my trial began I made all of my monthly mortgage payments On Time. I have not missed a single payment. My mortgage company, XXXX, was awful. I had to constantly resubmit paperwork that they lost and they sent incorrect documents that I had to get notarized to finally approve the modification Eight times. My name was wrong, my county information was incorrect, they had a former resident on the paperwork, they spelled my name wrong after they corrected it. The entire process lasted from XXXX until XXXX. It took two years to finalize my modification. I spoke to managers, got personal promises and sincere apologies for their mistakes and the length of the process. When I was told it was completed after two years, they told me that theyd update my payment status. The entire time I was going through this modification, I made all my payments on time. They have never changed my payment status. As of now, they still report that I missed two years of mortgage payments. In reality they were collecting my payments and applying them to my modification but not reporting them as on-time payments. I have called and spoken to managers, they have given me their personal assurance they would fix the status and it never happened. I was told to submit a credit report dispute through their website- I did that twice. I have also disputed this through the credit reporting app XXXX XXXX, three times. This incorrect payment history has ruined my credit and reflects that I neglected to pay my mortgage for two years. This is not accurate and has prevented me from taking out home equity loans, etc. I have pursued every avenue to have this horrible company correct my 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 non-monetary relief
Consumer complaint received 2021-01-21 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This account is in litigation. Ive already filed complaint with attorney general. Im now reaching out to cfpb because Santander is continuing to report this account even though Im apart of settlement. I filed complaint previously to cfpb which includes complaint number. Santander admits they have no info on this account!! Yet theyve repeatedly validated it to XXXX and XXXX. I also noticed that this has been a common problem with Santander and there is a current lawsuit with cfpb. Please assist me in resolving my concern. Once Again Ive attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
Company violated 4 federally protected consumer rights violations under 15 USC 1692

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Nissan Motor Acceptance Corporation continues to report a " delinquent '' account on my credit report. This account was included in my husband 's bankruptcy which was discharged on XX/XX/2018. Copy attached. Per Arizona law, spouse debts are included in the bankruptcy even if only one spouse files and are discharged as well ( marital property ). Motor Acceptance Corporation has responded to CFPB ( Case No XXXX ) and myself that they do have a debt against me separately. This is not true and unlawful. They have removed the account completely from my husband 's report and should do same for my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: NY

Complaint narrative:
I am hoping there is a way you might be able to help me. I have a collections against me for {$35.00}. 
This is on my credit report. I repeatedly have problems with this agency. This is the third time they have stated I owed {$35.00}. In the past I filed a dispute with the credit agency and the claim would be removed. This time however they did not. I called them last month and spoke with a gentleman. He went on to say I owed them hundreds of dollars from past depts. I have never been sued for any of this. He also informed me he did not know anything about a {$35.00}. charge on my credit report, therefore he could not help me. 
Is it at all possible that you could help me with this? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: UT

Complaint narrative:
I have sent several disputes to each one of the credit bureaus : XXXX, Equifax, and XXXX. They have yet to respond or provide me with any results!! I have been sending letters since XXXX of 2020 and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have sent several disputes to each one of the credit bureaus : XXXX, XXXX, and Experian. They have yet to respond or provide me with any results!! I have been sending letters since XXXX of 2020 and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.

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 2021-01-21 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Please investigate and remove them all. I claim Identity theft!

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 2021-01-21 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: TX

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Please investigate and remove them all. I claim Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-21 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: NJ

Complaint narrative:
I submitted a statement, my credentials as well as FTC report to have fraudulent accounts blocked and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
My lender, HESAA ( a state of New Jersey student loan agency ), granted me a forbearance in light of a Covid hardship. However, HESAA failed to properly process that forbearance and as a result, misreported delinquencies to all three credit bureaus for the months of XXXX 2020. HESAA has since acknowledged its error and seemingly corrected the misreporting with XXXX and XXXX, but there has been a complete breakdown in communication with XXXX. 

HESAA has confirmed multiple times, in writing, that no delinquencies should have ever been reported -- they do not dispute whatsoever that the initial mistake was theirs. However, HESAA keeps saying that they have done everything possible to correct the matter with XXXX, but XXXX must be failing to make appropriate corrections on their end. 

XXXX, on the other hand, claims that HESAA continues to indicate delinquencies for the months of XXXX, notwithstanding several formal disputes that I have initiated with XXXX. With regard to those disputes, HESAA claims that they were never contacted by XXXX regarding any dispute, while, as noted, XXXX claims HESAA was contacted and indicated the delinquencies should remain on my credit report. 

I have attempted for more than SIX MONTHS to resolve this. There is seemingly no way to bring HESAA and XXXX into contact with one another in a way that transmits an accurate correction of my credit report from HESAA to XXXX. I have ample documentation confirming everything explained above. 

My primary contact at HESAA is XXXX XXXX, whose email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I submitted a complaint two weeks ago, # XXXX, it was closed by Freedom Mortgage even though the issue has not been solved. I am submitting a second complaint. I have been pre-approved to refinance my loan, which was to close the first week in XXXX. As of today, my refinancing still has not been finalized. I have escalated three times. I had a closing scheduled today at XXXX which I took a VACATION DAY for and it is cancelled because the notary did not receive final documents. I hope CFPB reaches out to me XXXX to hear my issues before this complaint is closed. 
This refinancing is costing me {$400.00} a month and a vacation day.

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 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
Purchase in the amount of {$5000.00} dated XX/XX/XXXX was returned in full at a Jared retail store on XX/XX/XXXX. This return would make the account a XXXX  balance. I immediately logged into the XXXX XXXX XXXX XXXX account and noticed that the available credit was updated as being fully available. Therefore, the system recognized that a return was made but not posted as of yet. On XX/XX/XXXX, I contacted customer service and spoke to XXXX, he advised that the credit could take 2-4 days to post, I mentioned a payment was due on XX/XX/XXXX. XXXX placed me on hold and proceeds to tell me that I still must make a payment, than states that if I do not make the payment, I will receive a late fee! Lastly, he claims that I can than request a refund, this seems to be a bit backwards.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation