vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-30 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report 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 2022-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority
State: FL

Complaint narrative:
They have been reporting me late since the pandemic started. I thought that student loans were allowed to stop payment while unemployed. They sold my information to another party and I have no idea who. I was not informed and they are not reporting {$800.00} payments. It's been on here 8 years now. I need some relief I'm trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: WA

Complaint narrative:
My mortgage servicer : ( ServiceMac ) PMI removal request ( {$130.00} ) was sent by email to my mortgage servicer ( myservicemac.com ) on XX/XX/2022, I asked about the processing time and was informed it'll take up to15 days... but it's almost 2 months now.. 
everytime I've called the company to ask about the delay, the answer was ( someone will call you tomorrow ) but they never did, emailed several times to complain and they don't reply to emails ( only automated replys ). 

And after so many calls and complains the BPO was done on XX/XX/2022 and the appraiser told me that the company should contact me regarding the appraisal in 3-5 days but 12 days passed now and everytime I call the answer is ( We'll call you tomorrow ) which is not happening.

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 2022-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company
State: HI

Complaint narrative:
For approximately the past two years I have repeatedly received maik from a company named Statebridge, which I believe is a collection agency. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon receiving early communications from this company, in XXXX or XXXX, I was informed they were attempting to collect a debt stemming from a second mortgage. That debt was approximately {$50000.00}. I informed them that the debt was dismissed in Federal Bankruptcy Court proceedings finalized in XXXX of XXXX. 

Recently I received a written communication from a XXXX XXXX XXXX regarding the same debt, which was now listed at approximately {$70000.00}. That law firm XXXX XXXX and XXXX allowed me a specific time frame to notify them if I agreed with the debt or not. Their business address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I responded within the allowed time frame to inform them I did not agree with the debt. 

I have provided both companies with the attorneys name, address, and phone number who represented me during the filing of my bankruptcy. Recently, XX/XX/XXXX, I contacted that attorney, whose name is XXXX XXXX and informed her of what had been transpiring regarding my former second mortgage. She instructed me to inform any party attempting to collect the debt that they are to cease and desist due to the debt being dismissed in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these frivolous collections attempts and harassing comminications to stop indefinitely. I have done my part to provide them with the necessary information required but they seem to ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XXXX XXXX and XX/XX/XXXX I called Macys stating that my credit report XXXX, XXXX were reporting a incorrect of {$1000.00} and the balance of my account was 0.00. I visited my account on line and its shows a balance of {$35.00} dollars for interest. I called Macys again. on XX/XX/XXXX and I was told by the billing department that they will credit the 35.00 but they will. not correct the information. 
I am very upset since I paid my entire balance and it was before there statement closed so they should I reported a 0.00 balance. I want my credit report to be updated with 0.00 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 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
They are reporting 11 times the same company a dollar or two off. I asked for proof of debt and they only provided account numbers. Some times they reported I was serviced I didn't live in Florida and it could not be me. They have been unable to provide me with proof it was me. I always have insurance so I wouldn't owe anyway. They are destroying my life and it's not fair to report me. How can these stay on my report when I am disputing. I have been fighting these people long enough. They are literally causing severe stress.

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 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2022 I received multiple emails from Wells Fargo notifying me of a new customer checking account that has been opened. I called Wells Fargo on XX/XX/2022 to inform them I had not opened an account. I was informed that a checking account was successfully opened under my name which can only be done with my social security number which would make this a case of identity theft. I was advised a case was opened with Wells Fargo regarding the fraud, case number XXXX, and I needed to report the theft to the credit bureaus, banking institutions, police department, FTC.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I leased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and returned the vehicle paid up to date with a XXXX balance in 2018. Around that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX but I no longer had a lease because I had paid off with a XXXX balance and closed the account. Receivables Performance Management LLC aka RPM has now put a collection on my credit bureau accounts for {XXXX}. The notice specifies XXXX XXXX XXXX XXXX as creditor and XXXX XXXX XXXX as original Trust, creditor account # listed is XXXX. I do not owe this debt and it's a fraudulent attempt to collect from me and ruin my credit. Please help me resolve this matter promptly as it is affecting my credit and causing me anguish. 
Thanks.

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 2022-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has been reporting false inquiries and accounts that I have no idea what they are and where they are from. I have sent a 609 letter and also tried the basic dispute process but no response. It has been on my report for months and is affecting my life and stopping me from getting a mortgage home loan, etc. I do not recognize any of the 3 inquiries and 1 account listed below Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Schreiber Law LLC
State: ME

Complaint narrative:
The credit collection for my XXXX XXXXXXXX credit card account was bought by Schreiber Law LLC- XXXX XXXX Attorney at Law who violated Federal and State Statutes trying to collect a debt by the following : They had me served a false small claims district court complaint veiled as legal legitimate court paperwork without a docket number by a XXXX XXXX XXXX XXXX XXXX XXXX when No such documents were actually filed at XXXX XXXX district court both actions are considered against the law under the unfair debt collection acts in the Maine Revised Statutes Annotated & United States Federal Code via false representation of legal action and the intimidating use of a legal court officer sheriffs deputy by being served papers to intimidate me that werent actually filed with the court and do not have a docket number listed on the forms. The deputy XXXX XXXX who served me papers first left his card on my door Friday XX/XX/2021 noting he was here to serve me civil paperwork as the reason for his visit. I then texted with him 4 times he wouldnt disclose any information over the phone which had me wondering and worrying until i got served by him on monday XX/XX/2021. I have all the false court documents and discovery paperwork with my personal information relating to the account, deputy XXXX XXXX business card with handwritten date and his phone number with text messages as proof of these deceptive and false representation debt collection practice acts and violations of the XXXX and XXXX [ ch 109-A Title 32 Chapter 109A Subchapter 2 section 3 subsection I ] stating the violation of unfair practices by using or employing any officer authorized to serve legal papers in the collection of a claim I also printed out the statutes and highlighted each section that could apply to my unfair and deceptive collection acts violation claim against Schreiber Law LLC located in XXXX, Maine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CA

Complaint narrative:
I am upset that my credit file has never been corrected I've already informed you that my report has inaccurate accounts and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 upset that my credit file has never been corrected I've already informed you that my report has inaccurate accounts and unverifiable information.

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 2022-03-30 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I have an account listed on my credit for Sunrise Credit Services. Upon investivgation this account was opened in Louisiana. I don't live in Louisiana. My residence is Georgia. 
Sunrise Credit Services XXXX {XXXX} Date XX/XX/2021 Account # XXXX This account is in collections on my credit reports and is not 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 explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have 3 items on my credit 1 from a company called XXXX. Who claims I had a cell phone that I never purchased and never knew about. After supplying proof over the past 7 years and nothing has been removed from my credit. 
Also after opting out of Transunion reporting, Transunion lowered my credit score using old inaccurate information to punish me for opting out to lower my credit score by XXXX points. 
Also my score has been going up despite those items on my credit report prior to me opting out of the reporting practice of Transunion. 
I feel its an abuse of power and retaliation for my opting out of all prescreening and other marketing information being sent to me every day. Before I opted out of Transunion, my score was XXXX. Immediately after opting out, my score was lowered to XXXX. 
My credit score was just over the past 12 months has gone up while and despite those items being on my credit for years. Also my credit had already been adversely affected twice from those same items, so how many times can they drop my score for the same items. If I was penalized once for those item by dropping my score years ago. Why are they dropping my credit score again since I already was penalized for those inaccurate reporting? 
I feel its unfair reporting and retaliation for my opting out of there reporting system.

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 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PA

Complaint narrative:
sun west mortgage company is the holder of my first mortgage on my property. i went into forbearance due to layoff from covid shutdown. as i am coming out of forbearance they did present me with some options, one was a loan modification but they did not provide the documentation requested by my second mortgage holder for a subordination ( XXXXXXXX XXXX XXXX ). XXXX XXXX XXXX denied the request for subordination due to delinquency, but i was delinquent due to forbearance under the cares act and the second reason was that sun west did not provide the proper documentation. 

when the subordination was denied sun west immediately moved into the foreclosure process asking for {XXXX} due by XX/XX/2022. this is a federally backed loan by XXXX XXXX  and it is my understanding that federal backed loans will not be asked for payment in full i have made payments in full to both companies since my forbearance ended and am ready willing and able to continue making payments on my home but the current situation is i will be forced to have my home foreclosed on or sell if i do not take out another loan to cover the mortgage balance. 

something seems off here and i can not understand why both companies would rather see a foreclosure rather then just work something out and have me continue to make my payments. 

i think i need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
I noticed inquires for things I didnt apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
My soon to be ex husband XXXX XXXX is responsible by temporary orders to pay the US Bank credit card minimum payment balance monthly. He has stopped making all payments, just to put me in financial distress.

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 2022-03-30 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: FL

Complaint narrative:
Transunion has been reporting false inquiries and accounts that I have no idea what they are and where they are from. I have sent a XXXX  letter and also tried the basic dispute process but no response. It has been on my report for months and is affecting my life and stopping me from getting a mortgage home loan, etc. I do not recognize any of the 3 inquiries and 1 account listed below XXXXXXXX XXXX  XXXX XXXX XXXX Inquiries XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-03-30 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: FL

Complaint narrative:
XXXX has been reporting false inquiries and accounts that I have no idea what they are and where they are from. I have sent a 609 letter and also tried the basic dispute process but no response. It has been on my report for months and is affecting my life and stopping me from getting a mortgage home loan, etc. I do not recognize any of the 3 inquiries and 1 account listed below XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: PA

Complaint narrative:
I have a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX that is serviced through Midwest Loan Services. My loan was closed out on XXXX of XXXX. I have been in touch with them XXXX or 4 times about my escrow funds and have been told XXXX or XXXX different things about when I will receive my escrow funds. As of XX/XX/1922 business days I still have not received my funds. They have no tracking or check number of when or if they will arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
I noticed inquires for things I didnt apply for.

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 2022-03-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed inquires for things I didnt apply for.

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