vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
XX/XX/XXXX The Consumer Financial Protection Bureau With reference to my previous complaint # XXXX & XXXX it is stated that Fay Servicing did not do what they said in their response dated XX/XX/XXXX if you wish to pay your taxes and insurance without escrow please contact your account manager Instead of doing what they said. XX/XX/XXXX they send me a default letter through their attorney ( Copy enclosed A : ) I contacted the account manager through e-mail and phone ( copy enclosed B ) and request her to do what they said in their response, Instead of correcting it she starts harassing me and keeps demanding the extra escrow. Whereas I already paid my Insurance and tax for the year XXXX. 

Two weeks ago someone from Fay Servicing by the name of XXXX XXXX called me and said he had already mailed me the escrow money back, which was a lie too. I dont know how can they not only fool me they are also fooling the CFPB. 

At this point I am current with them as for as principal and interest payment. Fay Servicing is not Appling my payments to my account they are keep them into a suspense account and showing me in default ( copy enclose C ) I am feeling very unsecure with Fay Servicing, therefore on XX/XX/XXXX I requested them to fix my account and provide me the payoff balance so I can finish my business with them ( copy enclosed D ) and so far they havent provide me that either. 


Please ask them to fix my account and send me the correct payoff balance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
On XXXX XXXX I sent a certified letter to Bull City Financial solutions for debt validation. the letter arrive to the company on XXXX XXXX. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
My accounts were hacked and my bank accounts emptied I had to put a freeze on my account to try to recover the money and during that time had no access to funds. I sent a letter to all parties involved letting them know that my bank was frozen between XX/XX/XXXX and XX/XX/XXXX making payments late due to fraudulent activity. They have not yet changed my credit information to reflect the fraud and are still reporting me late causing my credit score to go down. I cant get them to fix the problem its as if theyre not understanding what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I, XXXX XXXX elect to dispute an outstanding debt of {$13000.00} issued by Real -Time Resolutions, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TX XXXX customer service XXXX. Account XXXX, This loan states that a 1995 XXXX was used as collateral. I have the XXXX pink slip and a notarized signature in the release form the original loan. The car has been since sold. 

In a response from Real time stating that they purchased the loan from XXXX for whom acquired the loan from XXXX XXXX. 

These companies, LLC 's that have changed there name over the past 30 years such as XXXX XXXX  to XXXX XXXX XXXX XXXX to XXXX XXXX, to XXXX XXXX  to XXXX XXXX etc. I currently pay XXXX XXXX   and on an outstanding debt close to the same amount monthly. 

My issue is how can a company release a vehicle with suht an outstanding balance. 
Me personally I believe in the mist of all these conversions and name change that a second or third party company acquired this loan. I feel. so violated and this is causing such harmful effects on my credit report and retirement. I need to purchase a new roof for my home of XXXX   years. 

Please help me in searching for the truth. I can't imaging walking away from a {$1300.00} debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Thank very much. 






















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Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I am trying to buy a house and found accounts with Professional Finance company on my credit report. I do not believe the accounts are accurate but I paid them because Professional Finance company agreed to delete account after payment. 

It is account # XXXX Accounts are still listed on my credit report and are inaccurate

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing. 

When I spoke to a representative at XXXX XXXX XXXX, he stated no information was available as the debt had been sold to another company. 

When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed. 

I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This account was opened by my ex without my permission. It was never on my credit report. My ex spent a lot of money on it and I started paying it back and got behind on the payments. Syncrony added it to my credit report ( none of the positive history, only the negative ) and closed my account. I called them and have a representative on a recorded line tell me that if i start paying it back now, they will re open the account. I was paying for a few months ( end of XXXX  ) and then I called back another day and the representative said that this is not true " we never re open an account ''. Sometimes I call and they say they sent it to a collection agency and sometimes I call and they say they took it back so I can make a payment. I called today and she said that it was sent to collections again and she can not see how much or if any payment was made by me recently. This is not okay.

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 2020-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Oportune Progreso Financial, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing. 

When I spoke to a representative at Oportune Progreso Financial, he stated no information was available as the debt had been sold to another company. 

When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed. 

I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I had sent an email to Transworld Systems INC ( TSI ) they collect for the XXXX ( XXXX XXXX XXXX XXXX XXXX ) and don't remember the date, to say that the amount was incorrect. I received an updated letter with an updated amount that I am willing to pay. Today XX/XX/20, XXXX, XXXX, I called XXXX, XXXX to ask what is the process to update, an account and remove it from my credit report once it is paid. I got XXXX on the line and asked her what is the process. She wanted to verify my identity first and I asked her what difference does my identity make. I'm just asking about the process. From my phone number she verified my identity and affirmed my identity. She would not shut her mouth and listen, kept speaking over me, kept interrupting me and would not give me the information I was requesting. I just said forget it and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im involved in a puppy scam. On XX/XX/2020 I Thought l was buying a XXXX XXXX XXXX week old puppy l use my FDIC back bank account to transfer money through XXXX. The website was fraudulent. I called the bank to report it they said there was nothing they could do about XXXX my {$700.00} is a lost. My question is how can a FDIC bank offer a service that has the potential to cheat people out of there money. I have another bank its an on-line only account the cash app or XXXX would not accept is because the account had to many numbers. They have a fail safe system that works and you can transfer money from account.Im very disappointed in Bank of America and how they offer a service embedded in our accounts XXXX but will not back any transaction. I file a claim with them they said they would investigate but we do not refund from 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 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
Cavalry Portfoliio Services Llc-XXXX  and XXXX XXXX. 
Back in XXXX this debt collector did a judgement against me from an orginal creditor XXXX  XXXX XXXX credit card of {$1100.00}. They collected on zombie debt. I ended up getting my wages garnished resulting in paying well over {$3600.00}. I switched jobs. In XXXX XXXX they tried renewing the judgment illegally after the statue of limitations expired and they ended up releasing my {$3000.00} in my bank account as I had to hire an attorney. They violated the FDCPA.Recently on XX/XX/XXXX Calvary Portfolio is attempting to renew a judgement from the same case that is from XXXX, well passed the statue of limitations in Oklahoma trying to collect on very old debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 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: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-29 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am trying to buy a house and found accounts with XXXX XXXX XXXX  on my credit report. I do not believe the accounts are accurate but I paid them because XXXX XXXX XXXX   agreed to delete account after payment. 

It is account # XXXX Accounts are still listed on my credit report and are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NY

Complaint narrative:
Two disputes about Derogatory information were submitted to Experian with filed supporting documents, after two weeks Experian stated that both account were updated without providing any valid explanation what soever regarding their action, on the other hand those same accounts with the same supported documents were disputed with XXXX and, they deleted those two accounts. I don't know why Experian is acting that way.

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 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper is my loan servicing company. I paid off my loan and Mr Cooper received the funds and refused to credit my account. I have talked to 5 customer service representatives. Four said they would fix the problem. The problem is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America ruled in favor of mercant on a fraud cliam I was charged {$42.00} on a charge that I purchased pizza in XXXX Ny at that time I was a patient at XXXX XXXX Hospital suffering from XXXX in XXXX XXXX Mo. My account ended inXXXX l told the bank and was willing to have all my drs. State l I was a patien in the hospital also would support my stay the bank the merchant had a signed receipt but the bank never asked for my signature which would of shown the fraud signing. Also my right hand not movable I offered to send Bank of America proof of my stay in which they did not want I feel their fraud investagtion was in favor of merchant This same crook made other attempt. To use my name to make purchased. We were able to stop him.He tried to get a credit card in my name giving a false address in XXXX a Vacant house. I have every reason to believe Bank of America was biased and favored XXXX XXXX instead of doing complete ivestation. For XXXX year old man who never had black mark  on my financial record I feel my proof of evidence was not acceptable. Thank you so very much for helping me XXXX XXXX XXXX XXXX number 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 monetary relief