vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae continuously harassing me and my family with their harassing calls after repeatedly telling them to stop calling one of our numbers. I recorded a call saying that they would take a number off the list of numbers that they call only for them to repeatedly go back on their word. Sallie Mae continues to lie and manipulate customers like me who are struggling during a worldwide pandemic not caring or being considerate of the situation we're facing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
THIS WAS A 2ND MORTGAGE WHICH I HAD FORECLOSED ON XX/XX/XXXX MY LOAN WAS WITH XXXX WHICH THE LOAN WAS SETTLED WITH THEM AND XXXX XXXX  SOMEWHERE ALONG THE LINE XXXX SOLD THE LOAN TO BAYVIEW LOAN SERVICING LLC WHICH IS REPORTING A REVOLVING 30/60 AND 90 DAY LATE PAYMENTS.. THEY ARE TELLING ME I NEED TO CONTACT A LAWYER OR THEY ARE GOING TO FORECLOSE ON THE PROPERTY. I HAVE SENT LETTERS CALLED, EMAILED AND HIRED A CREDIT RESOLUTION COMPANY TO TRY AND GET THIS RESOLVED. THEY KEEP SENDING ME LETTERS WHICH SAY I AM NOT PERSONALLY RESPONSIBLE BUT SAY I HAVE MADE PAYMENTS SO THEY CAN NOT REMOVE THE REPORTING STATUS. I HAVE AT NO TIME MADE ANY PAYMENT TO BAYVIEW LOAN SERVICING LLC. I DO NOT KNOW WHERE THEY ARE GETTING THIS INFORMATION FROM. I AM TRYING TO GET MY LIFE BACK TOGETHER AND PURCHASE A HOME BECAUSE CITIFINACIAL AND XXXX XXXX  HAVE BEEN REMOVED FROM MY CREDIT REPORT AND I WORKED HARD TO GET MY SCORE BACK UP TO A XXXX AND THIS BAYVIEW LOAN REPORTING IS STOPPING ME FROM GETTING A LOAN NOW WITH THE LIMITED STAFF I CAN NOT EVEN GET THROUGH TO THEM VIA PHONE ANYMORE AND THE REPEATED LETTER THEY SEND IS REPETATIVE. PLEASE HELP ME REMOVE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX on my Acct # XXXX is fraud. 
XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my credit Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX on my credit Acct # XXXX is fraud

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 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
XXXX debited my checking account for {$89.00} and Huntington bank refuses to reverse this charge!! And XXXX  is taking over 10 days to do anything about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my credit Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX XXXX XXXX on my credit Acct # XXXX is fraud

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 2020-09-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX incorrectly reported an account from XXXX XXXX as in collections that was paid by the NY Department of Social Services in 2014. I paid back social services and several collection agencies tried to collect on this paid bill years ago, I reported to CFPB and the collections agencies dropped the collection and credit bureaus removed from my reports and CFPB reported to FTC. Here it is over 6 years later and during a world wide pandemic and XXXX XXXX XXXX  has the horrendous objective to falsely state I owe a debt that was paid without any type of fact checking or contacting me by mail. The 3 credit bureaus just let this appear on my reports without any fact checking, how is this fair or legal?

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 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
Try to pay off debt off by paying half and have remove from report they never got back in touch with me then aftrer a few months the calls starts they were very basty so i block them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i sent both Experian and XXXX  a dispute letter in regards to some accounts that are reporting incorrectly on my credit report. its been more than 30 days and i have yet to receive any status from them. per the FCRA, they have 30 days to respond or they must delete. i believe that this should be the case now as they have failed to properly investigate and return with a conclusion within the 30 days allowed.

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 2020-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: MO

Complaint narrative:
Americollect has placed an account on my credit reports in the amount of {$52.00} for an original lender of " XXXX XXXX XXXX XXXX '' it appears to be a medical debt that I know nothing about and I was not provided with any communication in reference to this account nor able to request a VOD or a payment arrangement before Americollect started damaging me credit. If I received services what were they, when were they, what were they for, and were they billed properly through insurance, and if so was I ever offered an arrangement and why would the account type be NOT REPORTED and what type of credit limit do I have with them? I have received NO WRITTEN COMMUNICATION FROM AMERICOLLECT and the first attempt for them to reach me is to damage my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX incorrectly reported an account from XXXX XXXX as in collections that was paid by the NY Department of Social Services in 2014. I paid back social services and several collection agencies tried to collect on this paid bill years ago, I reported to CFPB and the collections agencies dropped the collection and credit bureaus removed from my reports and CFPB reported to FTC. Here it is over 6 years later and during a world wide pandemic and XXXX XXXX services has the horrendous objective to falsely state I owe a debt that was paid without any type of fact checking or contacting me by mail. The 3 credit bureaus just let this appear on my reports without any fact checking, how is this fair or legal?

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 2020-09-26 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: Merchants and Medical Credit Corporation, Inc.
State: VA

Complaint narrative:
Merchant and Medical submitted a collection of {$1200.00} stating I owe o debt to XXXX XXXX XXXX  as of XX/XX/XXXX. The information is not valid. The communication with the creditor is not effective I've filed disputes with XXXX   requesting Validation of proof this debt belongs to me and have not obtained it. This is a fraudulent account that does not belong to me and XXXX  is not verifying accurate information nor providing me with proof that I owe the debt as it will be impossible because it does not belong to me. I've made efforts to contact XXXX  on the phone as I can not dispute the collection online anymore and the high call volume proves unsuccessful. I removed a fraud alert from my reports as it was complex applying for credit. Since this poorly investigated collection I've added it back. As I've been a victim of identity theft by my half- sister and its verified with police reports dating back to XXXX. This account with Merchant Medical nor XXXX XXXX belongs to me and has not been properly verified furthermore XX/XX/XXXX when the account opened I lived in XXXX, GA drivers license nor utilities have reflected a XXXX address since XXXX and it was of XXXX XXXX, XXXX, MI. I have not lived nor granted permission for anyone to at XXXX XXXX. Original lease contract and identification provided for the application, and proof of utilities, employment information as all of this is required when leasing and needs to be provided as proof this apartment was actually leased and occupied to me. Since XX/XX/XXXX I've served as a legal court ordered guardian to XXXX children and we have never lived at a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THIS WAS A 2ND MORTGAGE WHICH I HAD FORECLOSED ON XX/XX/XXXX MY LOAN WAS WITH XXXX WHICH THE LOAN WAS SETTLED WITH THEM AND XXXX XXXX  SOMEWHERE ALONG THE LINE XXXX SOLD THE LOAN TO XXXX XXXX XXXX XXXX WHICH IS REPORTING A REVOLVING 30/60 AND 90 DAY LATE PAYMENTS.. THEY ARE TELLING ME I NEED TO CONTACT A LAWYER OR THEY ARE GOING TO FORECLOSE ON THE PROPERTY. I HAVE SENT LETTERS CALLED, EMAILED AND HIRED A CREDIT RESOLUTION COMPANY TO TRY AND GET THIS RESOLVED. THEY KEEP SENDING ME LETTERS WHICH SAY I AM NOT PERSONALLY RESPONSIBLE BUT SAY I HAVE MADE PAYMENTS SO THEY CAN NOT REMOVE THE REPORTING STATUS. I HAVE AT NO TIME MADE ANY PAYMENT TO XXXX XXXX XXXX XXXX. I DO NOT KNOW WHERE THEY ARE GETTING THIS INFORMATION FROM. I AM TRYING TO GET MY LIFE BACK TOGETHER AND PURCHASE A HOME BECAUSE XXXX AND XXXX XXXX  HAVE BEEN REMOVED FROM MY CREDIT REPORT AND I WORKED HARD TO GET MY SCORE BACK UP TO A XXXX AND THIS XXXX LOAN REPORTING IS STOPPING ME FROM GETTING A LOAN NOW WITH THE LIMITED STAFF I CAN NOT EVEN GET THROUGH TO THEM VIA PHONE ANYMORE AND THE REPEATED LETTER THEY SEND IS REPETATIVE. PLEASE HELP ME REMOVE 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 2020-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: KY

Complaint narrative:
Ive already tried to contact this company, and I know they are not following the laws in my state of Kentucky. I already tried to contact them to extend my loan, which I know Im allowed to request per my state of Kentucky. 
I attempted again to contact them today, Im not able to speak with them until Monday. 
Although, I have no faith that they will work with me so I am requesting to cease with them any and all further automatic payments especially since it is now causing NSF fees with my bank. 
This company and others like them prey on people like me, take advantage, and do not follow the state laws of their customers. They also have no shame or mercy for people like me. 
The interest rate is astronomical and is not reasonable nor legal nor approved by my state laws. 
They also should be ashamed of taking advantage of me and others during this time of Covid with many are struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Wakefield and associates has placed a collections account on my credit reports in the amount of {$1200.00} with an original lender listed as XXXX XXXX XXXX XXXX with an account type not listed amount past due not reported and a highest balance reported as {$1000.00} and a credit limit not reported. I have never received any communication from them what-so-ever. I know nothing of this account and am confused about the fact that the first time I even found out about this is from pulling my own credit report. Is this mine, is it medical, did I receive services, was it properly billed, did I apply for credit, was I given an opportunity to make any arrangements with whomever the original lender is. VALIDATE this debt and validate your right to collect it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My card was lost on XX/XX/2020 I made a claim after realizing my business bank account and savings were cleaned out and left with a high negative balanced. 

Bank of America took my paycheck deposits, my regular deposits as well as my {$1200.00} stimulus check and ignored my claim as well as my affidavit submitted to them. 

Bank of America closed my account and will not restore the credits taken from my account since XX/XX/2020 nor will allow me to withdraw my remaining balance which is over {$2000.00}. 

This denial has caused hardship especially in the social climate of covid-19. I lost my job because I could not access my account to pay for gas. Food supply in my home is low. 

It has been over two months now and this is highly unlawful. I will go to the news about 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 2020-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
My sister and I financed a loan through Toyota Finance for a XX/XX/XXXX XXXX XXXX XXXX  and in XXXX there was one payment left on the loan. Unfortunately, there was a bad storm and a tree in my sister 's yard fell onto the XXXX on XX/XX/XXXX creating a total loss. The insurance company called Toyota Finance to obtain the loan payoff amount with the intention of sending the payoff to Toyota and the remainder of the claim balance to my sister so as to expedite the process allowing my sister to purchase another vehicle quickly. This was very important as my sister 's son was severely injured in an auto accident on XXXX and my sister would travel almost daily to see him in XXXX some 70+ miles away. Toyota explained to the insurance company that their policy required the ENTIRE amount of the insurance check for the actual cash value of the vehicle and once received, they would process the payoff and return the remaining funds to my sister. The insurance company explained the situation to Toyota that my sister needed another car quickly but Toyota would not budge from their stance. I called Toyota around the end of XXXX after hearing the situation from my sister and I was told it was their policy to require the entire amount of the insurance check in a total loss situation and they refund any difference and we can expect a check between 18-21 days from when they receive the check from the insurance company. I asked their reasoning for why they needed to receive the entire amount of the insurance check - approximately {$12000.00} when we only owed {$430.00} left on the loan- exactly one payment. I was told this was their policy but was never explained the reason for said policy. I have worked in Loan Administration and know that there is no viable reason for this policy as the only sum of money needed by Toyota is the amount of the payoff to satisfy the loan balance and release their lien on title. As a result of this unfair policy, my sister and I have been financially harmed. I had to use my savings to purchase a car and at this point ( XX/XX/XXXX ), we have yet to receive a check from Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I attempted a cash out refinance with Mr Cooper. The agent XXXX XXXX, took my financial information and said I would qualify for a cash out of {$170000.00} but because Im self employed that would drop to {$130000.00}. I agreed to the terms and he did a credit pull. I made him aware I was also working with another lender and would let him know if we would go through with the loan. I attempted to contact him again. He has not returned my calls. I spoke with another agent that made me aware XXXX was new and made a mistake. Mr. Cooper will not accept my income for the last 6 years of self employment. There policy is to discriminate against self employed customers for the time being. Our last refinance was three years ago. My income was fine for Mr Cooper at that time. Mr Cooper should correct the illegal credit pull and apologize for the incident. I have attempted to contact his supervisor XXXX. I have not received a response. I have also attempted to contact XXXX, XXXX supervisor with not response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TN

Complaint narrative:
Transunion is reporting inaccurate information on my report from a company name XXXX for a creditor XXXX XXXX XXXX. XXXX is reporting multiple accounts for the same account number and balance which is a direct violation of FCRA. Each XXXX account shows open XXXX XXXX same amount of {$210.00}. I've never been to this place so how do I owe this company.

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 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation