vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BAY VALLEY MORTGAGE GROUP
State: CA

Complaint narrative:
this is a follow request to my complain with Pacific Bay Lending. Based on my experience in mortgage industry. this company is not adhering to ECOA and Reg B guidelines. My loan was not decisioned within first 30 days of application. My loan is at day 45 and still no decision. Rate has now expired. Being in the business and industry when i spoke with the account executive XXXX he said " We were unprepared for this amount of volume '' and that since i am in the business i should understand this. This is not a valid excuse to not adhere to ECOA and RegB guidelines. I expect a follow up investigation in this companies untimely and " unpreparedness '' This is unfair to unknowing clients where fees and costs will be passed down to the client when the delays have all been on lenders end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: CA

Complaint narrative:
I have 8 refinance loans in progress with Sprout Mortgage. On 6 of them, they did not send out Edisclosures within the 3 day period, so far 6 of those loans in, they requested me to resubmit the files, They admitted that it was their fault and so that they would try to send out Edisclosures in a timely manner this time As according to them the loans are out of compliance One of my borrowers has already cancelled their loan because it was taking too long Most of these files Sprout has had over 75 days One client that I have 5 loans in progress is ready to walk away This is not the way to run a company, it's the worst lender I have ever dealt with My reputation to my clients is getting smeared in the process as they think it's my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX, Equifax and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX  and XXXX  and 30 days Non Response to Equifax. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to Equifax and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to Equifax, XXXX and XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to XXXX XXXX XXXX. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they validate the debt and a billing statement. 
XXXX XXXX XXXX continued to report this Unverified Account. 



XXXX XXXX XXXX, Equifax, XXXX  and XXXX  needs to be held accountable for their misleading, false reporting and lack of a investigation. 


XXXX, Equifax and XXXX  has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified.

XXXX, Equifax and XXXX  has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a fraudulent account in my name : - XXXX - XXXX I attached a police report and sent a dispute letter asking Experian to verify the information on my credit report or delete the account. 

My dispute was denied by Experian, there was no thorough investigation, the police report was not taken into consideration. 

This is a violation of FCRA regulations and federally illegal. Experian has been fined in the past for similar activity with consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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 is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXXis fraudulent on my credit Account # 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 2020-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened an account with Synchrony financial in XXXX of XXXX. My credit limit was {$2500.00} and I have a {$400.00} balance. Since opening the account I have made every payment on time and more than the minimum amount owed. I have two accounts with this company and went on to make my payment this month XX/XX/XXXX ( Due date XX/XX/XXXX ). I got an alert on my phone today XX/XX/XXXX that I needed to make the payment .... so I logged on and realized that I must have never hit submit! Honest mistake ... and because of it I have no problem paying a late fee, extra interest etc. However, this company chose to also lower my credit limit by about 400 % or {$2000.00}. This will inevitably have a traumatic impact on my credit score, by taking my credit utilization from 20 % to 98 % on this card! 

When contacting the company, they stated that they did a review of the account and decided to decrease the limit due to my credit report. Which I could understand ... except my credit score and account standings are even better today than they were when I originally opened the account! 

This is completely unethical and I'm positive that I'm not the only consumer who's been affected by this change! To knowingly cause damage to consumers credit during a pandemic is absolutely abominable and I sincerely hope you can 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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Sterling  Hill Financial
State: TX

Complaint narrative:
I paid Sterling Credit Group on or about XX/XX/2019 to repair my credit. I told the lady that I have 5 things that needed to be cleared from my credit. The five things are : XXXX XXXX ( 30 day late ), XXXX Mortgage ( 30 day late ), XXXX XXXX ( 5 30 day lates ). I also explained to her what I thought were other issues on my credit reports. I explained that my husband recently died and I had taken care of him when he was XXXX  XXXX and trying to live on one pay check since his illness. Thats why I had the 30 lates. I also told her that I have two 30 day lates for my current mortgage with XXXX XXXX and one 30 day late with XXXX XXXX XXXX XXXX credit card which neither had not showed up on my credit report yet. I pay my bills every month. I also told her that I made the payment to my XXXX XXXX XXXX XXXX credit card but they told me that I didn't pay the right amount. They said that my payment was {$12.00} short and so that meant that I didn't make a payment at all. As of this date, all of those same items that I reported day one is still on all of my credit reports although I was told that the items would be removed from my credit reports. I emailed every credit report I ever received from all bureaus. Recently when I talked to them, they didn't want to discuss the items still being on my credit reports but the NEW items that had be updated or removed. They didn't do anything to get items updated or removed. I also paid to become one of their credit repair sales agent in XX/XX/2019. I have a email confirming my payment for Sterling Credit Group agent from XXXX XXXX on XX/XX/2019. I want to be refunded in full for both the credit repair payments and the credit repair sales agent payments. This company tells you everything you want to hear including getting a personal call from the owner This company is a scam and fraud that takes their customers money but never deliver on what they say they are going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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 is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # 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 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I sent a payment to my mortgage company and they applied to principal instead of a regular payment. This made my escrow short and no payment was applied to principal or interest. They are now claiming it is late and threatening a late fee. I talked to XXXX at PennyMac. 
They claim payment amount increased, but they never notified me. Thy stopped sending mortgage statements inXX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
After receiving notification on my credit report in XXXX, I noticed items on my credit report that did not belong to me. My credit report disclosed that the creditor XXXX was listed on my credit report. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Consumer Adjustment Co - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXXonsumer Adjustment Co states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Consumer Adjustment Co has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
Debt is regarding a disputed XXXX  XXXX bill from XX/XX/XXXX. 

I have not resided at the premise in question since XX/XX/XXXX. At the time I moved I transferred the service to a new address with XXXX to a different service address. I have paid all obligations in full at that address, and at the subsequent address. 

I was contacted regarding the outstanding obligation, was told the dispute had been registered and was resolved in my favor. 

The agency handling the debt has now placed a collection on my account in spite of my being told it was successfully disputed. 

The agency has damaged my credit with respect to a fraudulent debt obligation that is not mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NC

Complaint narrative:
I received a U.S>Bank ReliaCard in the mail on XX/XX/2020. I did not request this card, when I called I could not get a representative to talk to without divulging personnal or financial information. Was told to call back when I would give this information. I want to know how they were able to mail me this card? Is this 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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XXXX first 2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to XXXX, XXXX, and Experian and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Experian XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2020-10-15 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: SC

Complaint narrative:
Hey, hope life treating you wonderfully. Anyways XXXX, TransUnion and XXXX  deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: SC

Complaint narrative:
Hey, hope life treating you wonderfully. Anyways XXXX, XXXX  and Equifax deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XX/XX/2020, my husband and I submitted a loan application to Wells Fargo Bank so that we could get a prequalification to pursue purchase of a home in XXXX XXXX, LA. On XX/XX/XXXX, we were contacted by XXXX XXXX. We completed the application process, then request a Pre Approval letter for a home to make an offer. On XX/XX/2020 we received a " Preferred Buyer Letter '' from Mr. XXXX for {$170000.00}. Our offer was not accepted, so we continued to look. We We lost on several offers. We then asked for subsequent letters, the last one on XX/XX/2020 for {$250000.00}. On XX/XX/XXXX, based on this letter, we signed a purchase and sales agreement for a {$230000.00} home. We moved forward with our loan application. Our loan was then sent to XXXX XXXX a loan processors at Wells Fargo in XXXX. She never once returned a phone call. She only responded via email, asking for documents. We supplied everything asked for. If we had questions, we sent emails to her supervisor. No one EVER called us. No one EVER responded to an email. I contacted the main office of Wells Fargo several times asking for follow-up. On XX/XX/2020 with no explanation we were told our loan would not be funded. I called and emailed, and no one would explain. I wanted to know the factors so we could find another lender. 

I believe we are the victims of unfair lending practices by Wells Fargo. It appears they did not want to lend in a " redlined '' XXXX neighborhood in XXXX XXXX to an XXXX American buyer. Wells Fargo was deceptive, leading us to believe we were qualified for a home for {$230000.00} since we were given a higher prequalification. I am not sure they had any intention of assisting a XXXX, just checking a box that they performed outreach to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
I had an account with NYST HIGHR ED and the primary person responsible for this student loan died.

I have contacted with NYST HIGHR ED regarding my account and they said this account has been closed and there is no balance. 
I have submitted primary loan borrower 's death certificate on XX/XX/2019.

Company response to consumer: Closed with explanation