vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview loan servicing has changed the loan to another bank and I have not been notified of this loan change or have I gotten any replys from them in regards to the elimination of the fraudulent loan. Someone has filed a default on my property in which no one has ever given me any notification of. I nor my mom have ever taken out any loans on our property. I have sent them all the documents that was requested and they have never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under Wakefield & Associates. I requested a validation on XX/XX/2019 as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/2019 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. I do not believe the accounts belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: ERC
State: TX

Complaint narrative:
Enhanced Recovery is attempting to collected on a pass due bill for original Creditor XXXX. The account balance on the collection notice is incorrect. I would like to have XXXX validate this debt they say I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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:
FTC has inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this as a Qualified Written Request for an unredacted copy of ; the XX/XX/XXXX, " Notice of the foreclosure hearing on XXXX XXXX XXXX, XXXX XXXX, to be held on XX/XX/XXXX. '' " The notice named the current holder of the deed of trust dated XX/XX/XXXX, and the indebtedness secured thereby, to be SunTrust Bank which had accelerated the maturity of the debt ''. 

Thank you - XXXX 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 2019-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has been notified several times via phone and mail that they no longer are allowed to contact me. I do not wish to be contacted by US Auto via phone or mail. Any further contact by the company is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Started back in XXXX of XXXX I was a victim of money laundering on pay pal it was my XXXX   XXXX XXXX thought I could trust her turns out not. She called them the next day after she showed me how to get the money out she put in my account to give her, she told them I stole it then she has been trying to get credit cards under my name, so I put an alert on all 3 companies, but synchrony bank did not care even though I made good with they lowered all my cards and some below and even changed me over the limit fees. I dont remember all the dates I wish I did it was amazon care credit now they closed my jc pennys to slowly they are closing all my account ; they sad I have bad collections I do not have any collections at all they lied.i dont understand why they are doing this to me I pay more than they want. I need your help.

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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX is reporting a debt that needs to be deleted right away. I did not owe the debt and it is inaccurate. XXXX inaccurately charged me and the matter has been resolved with them. There was nothing owed and this is acct is false!! I requested that XXXX XXXX remove yet they failed to accurately review and resolve the matter. There was a transfer of responsibility from my old act ( old act # XXXX ) to my wife 's ( new act # XXXX ). Nothing should have changed yet XXXX failed to do properly make the changes. They eventually figured this out and gave me a credit to our new acct. While I was disputing this charge with XXXX, there should not have been any reporting to the bureaus. I paid the acct while the dispute with them was active in order to ensure that there was no credit report issues. Instead of clearing up this mess, XXXX made more of a mess. Ultimately they realized their mistake and provided a credit to my new acct for the amount that I paid ( {$130.00} ). They screwed up a simple task of transferring acct ownership from me to my spouse. In short, I never owed them anything and my acct which is now my wife 's acct is paid as agreed with no delinquencies. XXXX XXXX need to delete this account Immediately!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: Nelnet, Inc.
State: LA

Complaint narrative:
Nelnet Thank you for taking the time to read this letter. I recently pulled my credit report and found that Nelnet Student Loan Servicing reported a late payment regarding my account.

I am requesting that this late payment be assessed for accuracy. 

I believe this reporting is incorrect because I was attending XXXX College XXXX XXXX XXXX XXXX from XX/XX/XXXX -XX/XX/XXXX .I have included the documentation to prove that I was enrolled Full Time during this time that my loans were reported as delinquent and should have been applied as In-School Deferment. 

My credit report stated a delinquency in XX/XX/XXXX from Nelnet. I am currently with XXXX XXXX due to a recent loan consolidation, and deeply ap [ appreciate the time and service you previously provided. 

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX enrolled based upon misleading/false information about job placement and ability to find employment after graduation. Then upon loans being due I called Navient for help with repayment options at which I was steared numerous times to deferr and forebare my loans ; even after asking about repayment plan options. I have had extreme financial hardship since graduating in XXXX never making enough to get off of welfare let alone repay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2019-06-03 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2019-06-03 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: I.C. System, Inc.
State: DE

Complaint narrative:
Collection Company I C systems in XX/XX/2019 put on my XXXX   credit report that I owed them through XXXX XXXX XXXX XXXX dollars I asked XXXX to dispute this frivolous item on my report and the next day XXXX said it was validated less than 24 hours later I than disputed it again asking for the verification of this information that validated this debt and I received nothing but that less than 24 hours again it was validated. This is unfair and prejudice credit reporting

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 2019-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I paid big picture loan ahead of time to avoid the interest. I was to have no balance left but on XX/XX/XXXX it was a balance of about {$79.00}. Now they're saying l owe them {$290.00}. I refuse to pay more because on a {$1500.00} loan l have paid back close to {$5000.00}. I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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:
FEW INACCURATE AND FRAUD ACCOUNTS ARE REPORTING UNDER MY EQUIFAX CREDIT REPORT. I HAVE BEEN DISPUTING AND NO ANSWER, THEY HAVE NOT BEEN HELPFUL WHAT SO EVER, THEY HAVE PLACED DISPUTE MANY TIMES BUT INACCURATELY AND EBEN SOMETIMES NO DISPUTED HAVE BEEN PLACED, PLEASE FIN ATTACHED MY POLICE REPORT AND THE FTC REPORT FILED. AND HAVE THESE TWO INACCURACIES REMOVED THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have information on my credit report that is not mine.

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 2019-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, talking with company customer service, I finish my business an they ask if I want to talk to " Re-Fi ''. I say yes to find out the rate. He quotes me 6.1 %, I say no thanks and hangup. ( I have a current 3.5 % mortgage with the same company. On XX/XX/XXXX, I get a Docusign in my email for a refinance of my mortgage! 
I call numerous times to numerous peoeple at Caliber Home loan to determine what this is ( see attached ). ( over 6 ca unanswered calls, and numerous people playing games to divert the conversation. Having looked over this form, Iwil state that at no time did I " withdraw the account ''. I saw niothing to that effect and never signed anything.

I have a concern about Caliber will now handle my existing mortgage, and if there was criminal or illegal activity by Caliber. An attorney has already been conferred with. I am awaiting your decision ( see further nites and attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: DE

Complaint narrative:
Collection Company XXXX XXXX XXXX in XXXX of 2019 put on my Experian credit report that I owed them through XXXX XXXX XXXX XXXX dollars I asked Experian to dispute this frivolous item on my report and the next day Experian said it was validated less than 24 hours later I than disputed it again asking for the verification of this information that validated this debt and I received nothing but that less than 24 hours again it was validated. This is unfair and prejudice credit reporting

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 2019-06-03 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have information on my credit report that is not mine.

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 2019-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a delinquent count XXXX XXXX showing on my credit reports. This account is not correct.

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 2019-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
PayPal locked the funds in my account, would not let me spend any of MY MONEY. PayPal lets money accumulate, but I can not transfer or spend any. 

No vendor could complete a transaction that I initiated. Several months passed. 

Then XXXX had fees ( for a sale ) due and PayPal allowed that transaction. 

PayPal continues to lock the rest of MY MONEY. 

I have been robbed! Do something about these criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
This company is horrible to deal with if you have any issues logging in, making a payment, claiming fault for any website malfunctions, checking banking information for accuracy to avoid rejection of payments after the due date which results in late fees that they will not excuse because of a fault of their own. THEN ... on XXXX we called Home Point Financial to explore the possibly of skipping a payment and adding it to the end of the long due to a nature disaster where our home is inhabitable and in the middle of an insurance claim. We have had SEVERAL unexpected expenses due to this situation and Home Point mentioned they don't offer the service to skip a payment and if we would become more than a month late they report it to a debt collection agency. I understand that this might not be a service that they would want to offer, but I am very frustrated that it is not an opportunity for some circumstances. Horrible customer service and I am looking forward to the day of getting to refinance with a more understanding and WELL ROUNDED company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed on more than 3 occasions with Experian in regards to 2 accounts on my credit report from XXXX XXXX XXXX. I contacted XXXX XXXX Services back in XX/XX/2019. They said the 2 accounts were from 2 different hospital visits. I told them that I shouldn't have had a balance because I was covered by health insurance and gave them my health insurance information. They said they will have the accounts deleted from all three credit bureaus since I gave them my information. The accounts shouldn't have been on my reports. They were deleted off of my XXXX  and XXXX credit reports but it's still on my Experian report. I've contacted XXXX XXXX XXXX XXXX times in XX/XX/2019, XX/XX/2019 and today, XX/XX/2019. They told me that they have requested to have both accounts removed from my Experian report when the others were deleted off of XXXX  and XXXX  in late XXXX and XX/XX/2019. For some reason Experian isn't deleting them off my report and continues to keep it on for some odd reason I'm not understanding why when they've requested to have them removed. I've disputed these accounts along with others and sent in copies of my identity and they're still keeping the accounts on my report when they shouldn't be on there.

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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, the XXXX XXXX called my mother, father, and myself about a debt owed to a Bank of America account that was closed over 12 years ago. The account was closed due to inactivity and they claim that I owe {$490.00} but the amount went up to {$1400.00} because I didn't respond to something they mailed to my home. 

This is the message I received from the company : The message is intended for the immediate attention of " my name '' also known as " my married name '' regarding file number XXXX XXXX. My name is XXXX XXXX and this is my second attempt to contact you. It's in reference to a complaint that may be filed against you. To discuss these pending allegations, you'll need to contact the firm in control of this matter at XXXX. Will result in the department proceeding forward without your consent. Also, please be advised that this call has been submitted as proof that you have been notified of the pending actions that are against you. 

On XX/XX/XXXX, I called them back after they harassed my mother for a second time and I was informed by XXXX XXXX with the XXXX XXXX at XXXX that I was in danger of being sued by BoA for a debt that was charged off in XX/XX/XXXX. He informed me that they sent a letter which I never received and he would help me settle the debt if he had my email and would send correspondence where I would agree to pay off the {$490.00}.

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