vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Asset Management Systems Inc
State: NY

Complaint narrative:
FAMS called me on multiple occasions attempting to collect a debt that was out of statues of limitations and out of there jurisdiction w/o consent or proper authorization. They did not provide the original contract verifying that I was the original debtor. They where in violation of laws 15 US C 1692 a 5 15 US C 1692 c a 15 USC 1692 d 15 US C 1692B 5 15 US C 1692 b a 15 US C 1692 b 2 a 15 US C 1605 a 15 US C 1692 f

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NH

Complaint narrative:
In XXXX my wife and I were on a forbearance plan. Once we successfully completed that, we entered into a repayment plan with XXXXXXXX XXXX XXXX and starting paying to them immediately when instructed to by the agreement. This started in XXXX. According to our new mortgage holder ( this was apparently switched over to CLS from XXXX unknown to us in XXXX ), Community Loan Servicing ( CLS ), we never made a XXXX payment. This has decimated my credit. It has put our application for a equity loan on our home on indefinite hold. We were also planning on refinancing, and several letters received by Community Loan Servicing via certified mail that our home would be entered into a foreclosure ( Notice of Default and Intent to Accelerate ) on XX/XX/XXXX, as well as on XX/XX/XXXX. These letters have caused so much undue stress to our family that I have been prescribed XXXX XXXX to help deal with my XXXX about potentially losing our home. I have missed several days of work due to my XXXX. 
As you can see from the attached, we did in fact make XXXX 's payment according to the payment plan on XX/XX/XXXX. ( XXXX 's payment was, of course, made on XX/XX/XXXX of {$3100.00} ) which was the start of the repayment plan. We have also made every subsequent payment, on time, including this XXXX 's payment. 
I have already asked CLS to make note of this and report to the credit companies their error, but they refused. My credit is still damaged and my health is suffering due to my XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: TN

Complaint narrative:
Company name is Keynote Consulting this company is reporting inaccurate information on my credit report. 
Acct XXXX Here are both amounts and acct number for both charges are XXXX. 
{$1400.00} {$7000.00}

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
Consumer complaint received 2021-06-30 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hi my name is XXXX XXXX, my DOB XX/XX/1966 My address is XXXX XXXX XXXX XXXX pa XXXX My XXXX XXXX XXXX  card no : XXXX I have a vacation in Hawaii so I don't know who using my Paypal to buy something at XXXX XXXX with the amount XXXX $ but not in my area. I called for the PayPal service and they try to figure out and respond as soon as possible. But I want to alert you guys please, check my bank account, and its transaction still pending. Don't let anyone push into my card. Thanks. I will close my Paypal after you guys solve this issue. I am afraid to add any bank to Paypal. XXXX so noise my vacation. Please help me cause I don't have time to confirm and call back again while I enjoy my days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have been living in the same house for more than 5 years. this collection is from a condominium I have never lived in before. my credit has many positive on-time paid accounts so this collection from XXXX XXXX XXXX / XXXX  XXXX XXXX is really affecting me. I am trying to get a new car and also apply for other things and this has been affecting me majorly. please remove this inaccurate account from my credit report and update it. I have contacted all three bureaus to let them know about this devastating situation. thank you for your time.

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 2021-06-30 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: WI

Complaint narrative:
I have disputed this with Experian for accuracy XX/XX/2020 and they added a past due amount and balance due rather than removing it. This account was included in a bankruptcy that the joint account owner filed for. My credit union who this loan was though ( XXXX XXXX XXXX ) said there will be no balance reported since this is being covered by the bankruptcy trustee and should show no past due amount. Experian will not let me dispute this anymore and will not correct this even though the other two credit bureaus have the correct information on the same loan.

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 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
On I discovered ( Account Control Technology , Inc ) had been re-inserted into all my three credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

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 2021-06-30 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: NJ

Complaint narrative:
XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NJ

Complaint narrative:
XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX  data breach and may have got into the wrong hands.

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 2021-06-30 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: NJ

Complaint narrative:
In XX/XX/XXXXI sent out another letter regarding inaccurate accounts on my credit report. I have not received a response in regards to my request, which was way beyond 60 days, I started my initial dispute on XX/XX/XXXX which is almost 120 days inaccurate and unverified accounts that remain on and hurting my credit report. I still was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX  data breach and may have got into the wrong hands.

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 2021-06-30 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: FL

Complaint narrative:
I sent a letter to Equifax pursuant to section 605b ( c ) of the fair credit reporting act along with an identity theft report from the FTC and a copy of my state driver 's license and social security card and they responded that they are not blocking the information in my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XXXX I sent Portfolio recovery a mailed letter asking for debt validation and never received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus for a long time and have not received any results from the bureaus. It has been over a year and my credit looks exactly the same. No inaccurate items have been received, this is ridiculous. I will attach the most recent letters but there have been many previous to 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 2021-06-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed these items with the 3 credit bureaus and have not received a response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage is serviced by NewRez/Shellpoint. My XXXX XXXX resulted in an almost a XXXX surplus refund check. My escrow monthly payments also went down about {$200.00}. When I received my XXXX XXXX, it shows my escrow balance is negative by almost XXXX. 

Here 's why : My XXXX XXXX was based on taxes of {$790.00} paid in XXXX which was prorated and land only. NewRez didn't review the tax assessment documents or closing docs to see that my property taxes was actually estimated at {$3300.00} a year My Property taxes increased by about {$500.00} for XXXX My Hazard Insurance increased by {$700.00} due to a water loss So basically NewRez lowered my escrow payments and refunded " surplus '' just to tell me I now owe almost XXXX and the shortage will be added to my already increased mortgage payments if i can't pay it in full. So my monthly payments went from {$1500.00} to almost {$2100.00} a month

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Fair Collection Outsourcing has committed multiple violations and mistakes in my credit reports. This company has damaged my financial life. They have been NEGLIGENT AND UNFAIR. 

Fair Collection Outsourcing has committed the following violations : The account had unsubstantiated charges, I was never billed an itemization by original creditor and not even notified about existence of debt. The account has been re-aged and creditor harassed me to collect payment. 

This company has also caused the following damages : {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and XXXX XXXXhrough XXXX XXXX XXXX  and XXXX. 

Account information below : Account number : XXXX, date XXXX : XX/XX/2018, original balance : {$630.00}. 

THIS ACCOUNT MUST BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES IN THE NEXT 30 DAYS. THIS IS MY DEMAND TO GET THIS CASE RESOLVED AS SOON AS POSSIBLE. 

See attachements. 

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 2021-06-30 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: TX

Complaint narrative:
After sending in several dispute letters via USPS certified mail to TransUnion, they have failed to legally investigate and delete several inaccurate accounts on my consumer report. They are willfully furnishing this inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. They have ignored my direct correspondence and attempts to resolve this issue directly. I have attached my Affidavit and other dispute letters I recently sent to TransUnion in the past. All these documents have been sent directly to TransUnion in the past 120 days and they have ignored them all. All my previous documents and Affidavit clearly show how TransUnion is in direct violation of the Fair Credit Reporting Act 15 USC 1681i ( 5 ) by reporting inaccurate information. Unless TransUnion takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.

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 2021-06-30 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: NJ

Complaint narrative:
In XXXX I sent out another letter regarding inaccurate accounts on my credit report. I have not received a response in regards to my request, which was way beyond 60 days, I started my initial dispute on XX/XX/XXXX which is almost 120 days inaccurate and unverified accounts that remain on and hurting my credit report. I still was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence.

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NJ

Complaint narrative:
MY REQUEST WAS SENT XX/XX/XXXX AND NOT ONLY HAVE I NOT RECEIVED A RESPONSE IN A TIMELY MANNER OR AT ALL BUT THE INACCURATE INFORMATION IS STILL ON MY REPORT. 

I ASKED FOR THE DESCRIPTION OF THE PROCEDURES USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE DISPUTED INFORMATION, INCLUDING THE BUSINESS NAME, ADDRESS, AND TELEPHONE NUMBER OF ANY FURNISHER OF INFORMATION CONTACTED IN CONNECTION WITH THIS REINVESTIGATION AND WAS IGNORED. 

THIS BEHAVIOR IS UNACCEPTABLE AND IT IS CLEAR THERE IS NO RESPECT FOR FEDERAL LAW OR MY RIGHTS AS A CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
i was checking my credit rating about 2 months ago when i see a collection show up for XXXX i tried to contact i could not, i called all the phone numbers related to them, all of them went to a recorder, i left several messages, no return calls,

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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2021 I received a letter from CACi in regards to an account owed to XXXX XXXX XXXX that was sold to XXXX XXXX XXXX and apparently being handled by CACi for collections. This letter was dated XX/XX/2021 but did not receive the letter until XX/XX/2021. The letter was the initial dunning letter per FDCPA, offering a settlement that expired in 60 days, outside of the validation period. I am neither confirming or denying that this account was owed however I wanted to simply pay it off since I am in the process of closing on a home. For this reason, I took their offer and paid the resolution amount of {$270.00} with a write off of {$68.00} on XX/XX/2021. I thought this had resolved the account however on XX/XX/2021 it was reported to my XXXX report. This is extremely unfair and abusive as I was not given sufficient time to resolve the debt and just recently received a notice and took care of the account immediately. I was told by their rep that the account would be closed and returned to the current creditor and trademarks would deleted from my XXXX.

Company response to consumer: Closed with explanation