vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: WI

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: WI

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX  Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}

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 2020-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have requested for my payments to the PSLF program to be calculated due to the amounts of qualifying payments not matching for Direct Subsidized Consolidation Loan ( DLSCNS ) and Direct Unsubsidized Consolidation Loan ( DLUCNS ). Currently FedLoan Servicing has calculated the qualifying payments DLSCNS XXXX and DLUCNS XXXX  even though the payments have been made for both loans at the same time since I began repaying my student loans. I have requested twice for FedLoan Servicing to fix or at least give an explanation for the unmatched amounts with no success. I have worked for the XXXX XXXX XXXX and made payments since XXXX. My FedLoan Servicing Account Number : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have never missed a payment and they report me as missed payment. this has affect my score a lot and hindered me from getting what I want. I need the late payment to be removed from XXXX XXXX credit 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 2020-04-04 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: MO

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX- Fradulant XXXX  XXXX Fradulant  XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: CA

Complaint narrative:
I did a dispute with Experian regarding an account that is not mine and it has been more than 60 days and no response. Experian disregarded the law by not responding to consumers disputes, hopefully this will be the last time they do that.

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 2020-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I was behind in my payment due to ill health and I was advised to apply for a loan modification by XXXX XXXX/XXXX  XXXX who had my mortgage. Soon as I applied, the mortgage was transferred to Fay Servicing LLC. which claimed not have received my loan modification application. while this was going on, the loan became more than three months behind and they refused to take any partial payments. 

I pleaded that the Covid 19 Pandemic has further created a further strain but that I was ready to pay at least {$3000.00} down out of the balance of {$7700.00} if they would at least work with me or grant me some form of forebearance. 

I then contacted a Housing counselor who filed a fresh application on my behalf. As this was being reviewed, I received a letter dated XX/XX/2020 from Fay Servicing LLC. signed by one XXXX XXXX, stating that my application for loan modification will not stop any foreclosure proceedings against me. My Housing counselor, Mr XXXX of XXXX XXXX  XXXX  XXXX advised me that it is improper for Fay Servicing to proceed with any foreclosure proceedings while the loan modification was pending. Secondly, that I met the threshold for the loan modification application to be approved because I now have a surplus of over {$700.00} in income after deduction of all expenses. All these information were forwarded to Fay Servicing. 

It is pertinent that they are also reporting this loan this period as late to the credit bureaus at a time when other mortgage companies are giving a respite to their customers at least during this pandemic and in line with the policy of the Honorable housing secretary. 
I humbly appeal for your kind intervention in this matter regarding Fay servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
Dynamic recovery solutions. I have a medical collection that is not mind. This is ruining my credit score and history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: SD

Complaint narrative:
Once I paid off all my student loans through fedloanservicing, I am unable to review any of my loan history - I can't see payment history, capitalizations, interest accruals, nothing. 

Since XXXX, I have sent countless messages through their online system, I have called, I have gone through other avenues for them to send me my full account history since it all of a sudden disappeared once my loans were paid off. 

I never got a message back - just an automated email telling me I can find that information through the portal. No. No I can not. It is unavailable because I paid the loans off. 

When I called, I was advised they would be sent to me via mail. They were never sent to me via mail. 

I have been waiting since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04 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 submitted a dispute with TransUnion regarding and account that is not mine and it has been more than 60 days and no response, TransUnion disregarded the law by not responding to consumer disputes, hopefully this will be the last time they do this.

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 2020-04-04 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 submitted a dispute with EQUIFAX regarding an account that is not mine and it has been more than 60 days and no response from them.Equifax disregarded the law by not responding to consumers disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: MO

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX  XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX Fradulant XXXX  XXXX Fradulant XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant

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 2020-04-04 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: MO

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant

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 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This happens EVERY TIME and I am sick of it! I carefully type in all my information and correctly answer their questions, but they refuse to give me my reports. 

Equifax says they can not provide my report online, to send in a copy of my Social Security card and drivers license through the mail. 

XXXX  says " a condition exists '' that prevents them from being able to accept my request, and to contact them through the mail. 

XXXX NO I'm not doing that! YEAR AFTER YEAR AFTER YEAR I get these XXXX messages and I'm not tolerating it anymore! I am NOT going to risk my personal information getting lost or misdirected in the mail. This is XXXX, not XXXX! Given the EXACT SAME information, XXXX  gave me my report online just fine. If they can do it, so can the other two!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
My complaint is regards to Medical- XXXX XXXX XXXX reporting inaccurate information on my consumer credit report with XXXX  . As of XX/XX/XXXX, this account with Medical- XXXX XXXX XXXX shows an open account I did not open. I have disputed this account multiple times, and I ask XXXX XXXX to validate this debt. As of XX/XX/XXXX, XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX, I spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for me. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for me. Also, reached out to Tek Collect Agency, I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to Tek Collect Agency and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NY

Complaint narrative:
there are fraudulent and unauthorized inquiries on my 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 2020-04-04 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: CA

Complaint narrative:
I have tried numerous attempts to contact experian regarding the unathorized inquiries placed on my account. I first contacted them back in XXXX, 2019 and again in XXXX. I have not been contacted regarding their finding nor have I sent a copy of my credit report. These unauthorized inquiries are causing other lenders to decline my loan application and has caused great 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 2020-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIS BANCORP
State: SC

Complaint narrative:
During my attempt to purchase a new home and relocate for my job I applied for a mortgage with Ameris Bank. The process seemed simple enough as I was selling my current home at the time and purchasing a new home. This would be the 3rd home that I have purchased so I knew what to expect. I was pre-approved with no problems and started the process immediately, providing all necessary information to the mortgage broker and agreeing to the loan terms and conditions. Then I was taken through the under writing process. At which time I was asked for information regarding my current home. I provided the underwriter a copy of the sales contract for which I had already accepted a full price offer on my current home to be sold 30 days after I closed on my new home. 1 week prior to closing on my new home I was contacted by the mortgage broker who stated that I did not qualify for an FHA loan because I had an existing mortgage. The mortgage officer stated that in the contract " we '' had talked about he was stating that my current home was being rented so that I could qualify for an FHA loan. I explained to the under writer that this had never been the case and that my home had always been for sale to purchase, never for rent. This has now caused me to have to restart the process on a conventional loan because the mortgage officer falsified documentation. If I had falsified any documentation during the loan process I'm sure that I would have been held financially or even criminally liable. The same should happen in this case. I am not having to work with my company to obtain temporary living until this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Messerli & Kramer P.A.
State: SD

Complaint narrative:
To whom it may concern, I received a wage garnishment from messerli.kramer in XXXX, MN. Not only is the wage garnishment a fake, but they falsified a court order number and file number, but they also faked a notary signature.

I researched everything they gave me and the entire statement is a fake and an attempt to collect on a debt that is non existent and/or was discharged in bankruptcy. If it was owed at all because i never had a XXXX Credit card and all my XXXXy credit cards, formerly XXXX XXXX, are paid and up to date and active. 

But i find their tactics and practices violate the law, under FDCPA, as they are sending falsified court documents with a fake notary, which is also a crime for faking a notary signature. But i researched the court files in XXXX county Minnesota and there is no csse against me as they claim and the notary is not registered in the state of Minnesota. So their document is a complete fake!!!! They should be punished under the law for falsifying fake court documents. I am going to sue them in small claims because the sheriff serving me at home in front of my children was traumatic for them all for faked documents!!!! 

These people or " lawyers '' need to be stopped from hurting others with their fake documents and lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation