vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I called Experian Credit Reporting on Monday, XX/XX/2020 because I applied for a loan and was told that Experian Credit Reporting shows I do not have any credit. After speaking to 3 different people I was told that there was an " internal issue '' on their part related to a split file. I was told that it would take 4 to 5 business days to have my credit corrected/restored. 

I called Experian again on Friday, XX/XX/XXXX and was told that my file still hadn't been correct/restored. They said it was only 4 days so I should check back next week. 

Today, Tuesday, XX/XX/XXXX I checked online and saw that they still had not corrected/restored my report. I called for that first time at XXXX XXXX. I was placed on hold and then hung up on after 15 minutes. I called again and asked for a supervisor. I was transferred to another person ( not a supervisor ) and once again placed on hold and hung up on again. I called back again and asked for a supervisor, it's been 1 1/2 hours since my original call and I am on hold again.

I was told that their " Dispute Department '' is the one handling my file. When I asked to speak to them directly I was told they don't have telephones. 

I understand that we are all operating differently due to COVID-19 but this is totally unacceptable. All I want is an answer as to when my credit report will be corrected/restored.

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 2020-10-13 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
To whom this may concern, The loan was being serviced by SLS should of been released due to bankruptcy and we have requested several lien release documents now. The loan which was satisfied/discharged over 10 years ago never had a lien release filed and the property still has the lien on it. We have written and spoken to SLS several times and were forced to pursued legal action after threats & harassment of foreclosure which started recently ( after 10 years of silence ). We were told the lien remained valid and they sent at least 1 letter a day threatening foreclosure with collection attempts including an illegal amount of interest and fees. The Balance they claimed owed was close to {$60000.00} and they added over {$120000.00} in interest, attempting to collect {$180000.00} or foreclosure. We were forced to pursue legal action and obtained a signed court order removing the lien from this property. We sent ANOTHER OWR for a letter of lien release and/or acknowledgement of the court order and have yet to receive a response. 10 years, we've heard nothing until we reach out to them and all of a sudden endless threatening letters. This is our second CFPB complaint, the first one they challenged and since we've gone to court to prove they are wrong. 

We are disappointed with the communication and service received by Specialized Loan Servicing. Its obvious the company bullys the customer by their attempts to collect a debt 10 years after it was discharged, they never reached out prior to our communication in XXXX. In a global pandemic, they started harassing a XXXX veteran of our country and threatening foreclosure on his home after nearly 10 years of no communication to me.

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 2020-10-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have, many times, sent dispute letters to both Macys and Credit Bureaus requesting the correction of their inaccurate late reporting on my account. They have not done anything. Even when I engaged CFPB, they do not care. Attached is my complaint, Macy 's response and the proofs of payments I made in those " Lates '' mark that they claim I am late.

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 2020-10-13 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: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I switched mobile service providers in XX/XX/XXXX from XXXX XXXX XXXX to XXXX. XXXX advertised they would pay off my final bill. XXXX  XXXX XXXX said they never got payment yet XXXX said they did. I informed XXXX XXXX XXXX of this on XX/XX/XXXX. I heard nothing else from XXXX XXXX XXXX until XX/XX/XXXX when Sequim appeared on my credit report, no notice sent prior to being placed on my credit report. I asked them to validate the debt. They did and I paid {$30.00} more than the oringal debt of {$95.00} for {$120.00} on XX/XX/XXXX. When I paid the debt I asked the collection be removed from my credit report. Sequim stated only XXXX XXXX XXXX  could do that. I contacted XXXX XXXX XXXX  for the removal they have stated that Sequim is the one that placed it there and they need to remove it as it is satisfied. I called Sequim again on XXXX and they again gave me the XXXX XXXX XXXX story and then I informed them that was false and they said I was a liar. The agreement was to delete this from my XXXX  and XXXX  credit reports as this is not reporting on my XXXX report. THey have not kept up their end of the bargain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: CO

Complaint narrative:
Dear CFPB, I just got off the phone with AR Strat collection agency. They are demanding money from me saying that it is from old XXXX bills which my XXXX paid. THEY REFUSE TO SEND PROOF OF BILLS, just their bills saying that I owe them. 

Attached is a copy of the billing statement I received. I am very angry and frustrated that this type of corruption and thievery is allowed to happen. This is not a valid debt. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: IL

Complaint narrative:
Due to coronavirus, my family has been struggling to pay for our mortgage. We applied for COVID 19 forebearance assistance with lender SN SERVICING CORPORATION. They did not approve us for assistance. This is ridiculous. 

They made us fill out an application and fax documents to prove our hardship. No other lender does this in America. Yes, we were behind in XXXX, but the lack of work due to lockdowns in Illinois, only furthered our ability to pay. 

Instead of helping us, they denied us, and now I am stuck with many, many late charges and unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: CA

Complaint narrative:
My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'XXXX  '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to XXXX numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} Opend XXXX All I want XXXX takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.

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 2020-10-13 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:
My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'XXXX '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to XXXX numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} Opend XXXX All I want XXXX takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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:
My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'XXXX  '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to XXXX numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} Opend XXXX All I want XXXX takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.

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 2020-10-13 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: VA

Complaint narrative:
Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
XX/XX/2020 I received an email from Hiday & Ricke , P.A . ( Paralegal Mrs. XXXX ). 
They wanted to settle a debt with a creditor ( XXXX XXXX  ) on an auto loan. While I was working during this time my husband and I advised them that we were unable to make any payments more than {$100.00}. This law firm said that they weren't going to accept it because it was going to take too long to pay off. So after speaking with my husband, we were going to see them in court and get it rectified. I received another email and call from Hiday & Ricke stating that I would call her later because I was at work. At this point, we were going to meet them at the courthouse. 
XX/XX/2020 Hiday & Ricke brought up another offer to do a Consent of Final Judgement for 6 months at {$75.00} then work with Post Judgement after that. At this point, we had decided to go to court and work it out. Then 10 days later, I was terminated from my job. I emailed Hiday & Ricke and told them what was going on. At this point, Paralegal Mrs. XXXX, said that means your husband needs to file Florida Statute 222.11 Head of Household waiver. Then I asked her do we still need to show up in court and she stated that we didn't have to we could sign a Consent of Final Judgement that would stop us from visiting the court.

Then my husband and I started receiving court documents via mail stating that they were going to take our vehicles. We still hadn't received a Florida Statute 222.11 Head of Household waiver XXXX XXXX I emailed Hiday & Ricke ( post judgement-Starr Curran ). She stated we could still work out something but they still didn't include the Florida Statute 222.11 Head of Household waiver only their Financial Information document that wasn't helping. 
XX/XX/2020 We received in the mail from Hiday & Ricke that they were garnishing my husband 's pay of 25 % per pay period which will put us on the streets. We called them and spoke with ( XXXX ). We  told her we would hire counsel to take care of this matter because the documents received were stamped by the court XX/XX/2020 and we just received them via USPS on XX/XX/XXXX. 
XX/XX/2020 Now, my husband 's pay has been deducted over {$300.00} per pay period that would mean we will lose XXXX of our vehicles and some bills that won't get paid. 

I do have documentation of the conversations and all of the documents received via USPS that the Florida Statute 222.11 Head of Household waiver was never included. Also, recorded  conversation from XX/XX/2020. 
I believe that this process was maliciously ignored and stepped around to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: NJ

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 2020-10-13 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is reporting erroneously on my credit file. I recently checked my credit and noticed this debt. I called and paid it immediately. I never received any calls, letters, or notices about this debt. I had no idea this debt existed until they reported on my credit file without notifying me and that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: FL

Complaint narrative:
THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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:
THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I was not notified that my account was being closed by XXXX XXXX. I was only notified that there hsn credit card accounts were being transferred to synchrony.. After the transfer, the balance almost doubled and I never received a new card as the letter notify of transfer I dictated. I didn't find out the account had been closed until several months after it was transferred. Even though the balance owed is incorrect, I have tried sending payments and they have either been returned because they claim they don't have an account or someone has cashed the money orders ( which I am in the process of reporting as stolen ) and other credited the make believe account with the wrong balance that I'm starting to believe is probably not my account and could be something they made up or belongs to someone else.

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 2020-10-13 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:
Inaccurate information being reported FTC, FCRA and FDCPA violations FTC attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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 filled FOUR dispute with Equifax over inquiries that do not belong to me. I have submitted police report, FTC reports and notarized statements, including formal disputes through Equifax and they will not remove these inquiries. My profile has been flagged with having identity theft since XX/XX/2014 and all of these inquires occurred after that date while my account was locked. The last dispute i received a autoresponder message from Equifax informing me of how long inquiries stay on my report. The inquiries do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: VA

Complaint narrative:
Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.

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 2020-10-13 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: VA

Complaint narrative:
Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.

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