vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: KEYCORP
State: CA

Complaint narrative:
In XX/XX/XXXX, I experienced a severe hardship as the result of wildfires in the XXXX XXXX / XXXX XXXX areas, which affected my ability to work greatly, severely reducing income and inhibiting my ability to make my student loan payments. Shortly after this disaster occurred, FEMA declared this incident as a Federal Emergency ( as noted on their website as well ). While all of my other private lenders allowed for a 3 to  6 month Natural Disaster forbearance as permitted by federal law for declared disasters and emergencies, KEY Bank has refused to assist me during this exorbitantly difficult time, and have refused to return my calls or give me resolution for over one month - even after requesting repeated contacts from the Office of the Chairman in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - most recently today, XX/XX/XXXX. 

In dealing with KEY Bank, I have spoken to XXXX XXXX in Loss Mitigation, whom promised me resolution one week ago, with no call back or contact since we last spoke. Additionally, I have left over 10 messages for the Loss Mitigation department to call me for assistance, all of which have gone ignored. I have been outright neglect by KEY Bank, misled on multiple occasions after another representative in Loss Mitigation had stated he would get me an exception to policy and honor a 3 month forbearance for this FEMA declared Emergency, and been refused contact from KEY Bank 's executive management after being told on multiple recorded and logged calls that someone would reach out to me " within 24 hours ''. KEY Bank has caused me extreme mental and emotional distress during this very difficult time after experiencing a disaster, where as all other private lenders have worked with me to aid me through this difficult process and time, and I am in need of immediate resolution to this ongoing issue with KEY Bank 's unwillingness to honor their commitment to their ailing and displaced customers, and their neglect and refusal to speak with me as promised to resolve this matter and offer assistance with my loans during this ongoing difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.

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 2020-02-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX  and Experian are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, EXPERIAN is reporting the account as XXXX XXXX/XXXX  XXXX, XXXX  is reporting the account as XXXX XXXX  XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.

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 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Clearing House of America, Inc.
State: MI

Complaint narrative:
Received a false bill in the mail from Credit Clearing House of America from XXXX XXXX for {$390.00} on XX/XX/2020. I do not know either of these companies nor have I ever used an emergency medical service. I work nights and their call center is not open at the times I am available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: NV

Complaint narrative:
I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates I have been a victim of Fraud and per FCRA Experian should be reporting my information accurate : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.

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 2020-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.

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 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.

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 2020-02-04 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: EQUIFAX, INC.
State: UT

Complaint narrative:
To whom this may concern, XX/XX/XXXX I am originally from the state of XXXX  and in XXXX I took a job in the state of XXXX. When I arrived in XXXX  I became a XXXX XXXX  phone customer. I was in the XXXX XXXX in XXXX  I wanted to update my cell phone, the salesman at the kiosk showed me a nice phone and told me he could get me a good deal on service. The service would be with XXXX and he would give me a deal on the phone he was showing me. There was an issue porting my number from XXXX XXXX, I started the paperwork to switch to XXXX and picked out the phone. I told the salesmen I needed to go to the food court and get something to eat while he worked on porting my number. I went to the food court and I decided at the last minute not to get the phone or the service. I never went back to the kiosk and I never finished the paperwork.

I found out later that the salesman finished the transaction and stole two XXXX. He also opened lines of service with XXXX in my name. I went to the XXXX XXXX that was in the XXXX mall and talked with the manager ( XXXX XXXX ). I also spoke with the District manager XXXX XXXX and they told me that the salesman at the Kiosk was not a direct employee of XXXX that he was a contract employee and they had no proof that he stole the phones. They said if he sells the phones on the internet they would not be able to find them. They told me if he uses the cell phone lines he opened they could easily track the phones. I went to the XXXX XXXX police and filled out a police report because this person used my information to open cell service with XXXX and he stole two XXXX 
When I moved to XXXX  the only place I could afford to live was in the canyons or in the mountains. There was no cell service or internet service so I did not check my credit report the entire time I was in XXXX. I lived in XXXX  approximately three years. I checked my credit report XX/XX/XXXX and that is when I see that XXXX reports that I owe them over {$2000.00} dollars. I was never a cell phone customer of XXXX and I never bought phones from them. I called XXXX and asked them about all of this, they told me this account was old and was sold to XXXX XXXX XXXX for collection. I asked XXXX if the phone lines that were opened were ever activated. They said the phone lines were opened but never activated. 
I called XXXX XXXX XXXX and spoke with XXXX ID # XXXX and told him what happened and I asked them to open a fraud investigation. He said he would open a case and he needed copies of my documentation. I am enclosing copies of my documentation to aid in this investigation of fraud. 

Equifax is still reporting this fraud even though XXXX  and XXXX  already took this fraud off my credit report. Equifax needs to delete this fraud from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Loan Science, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I experienced a severe hardship as the result of wildfires in the XXXX XXXX / XXXX XXXX areas, which affected my ability to work greatly, severely reducing income and inhibiting my ability to make my student loan payments. Shortly after this disaster occurred, FEMA declared this incident as a Federal Emergency ( as noted on their website as well ). While nearly all of my other private lenders allowed for a 3 to 6 month Natural Disaster forbearance as permitted by federal law for declared disasters and emergencies, LOAN SCIENCE has refused to assist me during this exorbitantly difficult time due to a technicality of the disaster being listed as " NATIONAL EMERGENCY '' as opposed to Disaster ; and, they have refused to return my calls or give me resolution for over one month - even after requesting repeated contacts from the Executive Office in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and speaking at length with a LOAN SCIENCE  Manager via  phone several times to attempt to resolve this matter either with an honored forbearance or significantly lower payment options during this tim e . LOAN SCIENCE
has caused me extreme mental and emotional distress during this very difficult time after  experiencing a natural disaster, where as all other private lenders have worked with me to aid me through this difficult process and time, and I am in need of immediate resolution to this ongoing issue with LOAN SCIENCE  's unwillingness to honor their commitment to their ailing and displaced customers, and their neglect to speak with me as promised to resolve this matter and offer assistance with my loans during this ongoing difficult time, in the form of an Administrative or Natural Disaster Forbearance as previously promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.

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 2020-02-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have called on several occasions to request my student loans be updated to reflect correct payments and Equifax continues to reflect inaccurate reporting this making them incorrect. The payment history is not reflected corrected and I am not sure why. All on-time payments have been removed, dropping my payment history from 97 % to currently 30 %. When I contacted the original creditor ( XXXX  ), I was told that there was only 3 late payments reflected on my account and I haven't been late in over a year, however, Equifax continuously reflects information that is not correct which is destroying my character and limiting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prime Business Service, LLC
State: CA

Complaint narrative:
After checking credit, and from being a victim of identity theft, I reached out to this company serval times and a lack of communication very rude and demanding for payment. I tried to explain to the company that this account isnt mine and I have no knowledge of this account, this account had to be open fraudulently under my name using my identity. This account has been inserted on my credit two times, recently after disputing  with all three Credit Bureau, XXXX XXXX was able to delete the original creditor XXXX XXXX XXXX, this is a third party company trying to obtain money from me in the amount of XXXX $ thats false information from what the previous creditor XXXX claimed I owed before it was removed/ deleted from my account of XXXX I would like for this account to be removed from my credit and a letter sent of deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of fraud and have been a victim for many years, I have attempted to updated all in accurate information that is reporting on my credit profile due to fraudulent information reporting. I have disputed in the pass but per FCRA accurate information needs to be reported information that is inaccurate needs to be removed especially fraudulent information. I fell victim and it is taking me many years of being able to clear up this mess I fell victim to. Please remove the following fraudulent inquires that are reporting on my credit profile. 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: CITIBANK, N.A.
State: PR

Complaint narrative:
COMPLAINT FOR : Citibank Na, XXXX XXXX  XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX An inquiry has been made at a XXXX store in the town of XXXX, XXXX XXXX without prior authorization. We had seen a sign informing us that we could take articles " without credit check '' what is known as " leasing ''. The employee took the data and strategically inquired using the social security numbers of my wife and mine. That is against the law and it has been reviewed in XXXX  's credit reports. We ordered the elimination of this inquiry as we understand there was " trickery and deception '' of the XXXX employee who attended us, we await your prompt attention. Thank you. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 

** In addition there are no important data such as address, telephone, institution information, data that are extremely important in these inquiries.

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 2020-02-04 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: NV

Complaint narrative:
I am a victim of fraud and have fraudulent information reporting on my credit file, I am a victim of fraud and have tried to dispute this inaccurate information due to being a victim of fraud. The following inquiries are fraud and need to be removed from my credit profile due to inaccurate information. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2020-02-04 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: NC

Complaint narrative:
I received a box of documents from a relative and found paperwork of 4 student loans in which I did NOT authorize by my official signature to proceed. They appear to be electronically signed with my name but without my authorization or my personal signature.

The original 4 loan amounts loan dates are as follows : Loan # 1 XXXXXXXX XXXX XX/XX/XXXX for {$20000.00} Loan # 2 XXXX XXXX XX/XX/XXXX for {$14000.00} ( the promissory note for this loan # XXXX has my forged signature on the document ) Loan # 3 XXXX XXXX XX/XX/XXXX for {$7800.00} Loan # 4 XXXX XXXX XX/XX/XXXX for {$2500.00} Per my credit reports, these are now under Navient. Ive tried a few times over the past several years to dispute my claim that I am NOT the co-signer on these 4 loans  and I have asked several times for documentation/promissory note copies from the services to provide proof otherwise and they do not seem able to cooperate.

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