vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-02 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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
some inquiries was posted on my credit report without my permission. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Brclysbankde XXXX, DE 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 2020-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I was advised on XX/XX/XXXX that an Escrow Mortgagor Disimbursent had been processed on XX/XX/XXXX by PHH Mortgage Company owned by Ocwen Financial due to receipt of proof of homeowner 's insurance from me. I was told it had been mailed using first class postage by the USPS and  would take 7-10 days, this isn't true. I also have requested to cancel the Escrow Account and was told that the company would have to send me a De-Escrow Account form to complete and return as soon as received. This was also requested on XX/XX/XXXX. I am extremely disappointed with this mortgage company for failing to provide any assistance to my requests. My homeowners insurance information was submitted to them from my homeowners insurance company on XX/XX/XXXX showing that the coverage was effective XX/XX/XXXX through XX/XX/XXXX. I also provided them with proof of coverage valid for the same dates. 

Based on the company 's practices I will have to continue to pay an additional {$110.00} monthly until they provide me with their so called De-Escrow Account form. I found your website on the internet and am seeking assistance from you with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
My family has owned this home for 37 years. Me and my young daughter left our personal home to move in and take care of my sick dad the past 4 years. My father passed away in XX/XX/XXXX and I, his daughter, have taken over his home since then. My previous mortgage company was XXXX XXXX XXXX, a company of which I never had any problems with. In XX/XX/XXXX, I  received a letter stating my old mortgage company was being transferred to Fay Servicing LLC. From XXXX to present, I have made every payment on time. I purchased cashier checks and sent them priority mail with signature. I began receiving letters in the mail from both Fay Servicing and Fay Servicing , LLC saying that i was not paying the mortgage even though i have every piece of paper to prove it. I have contacted Fay Servicing countless times and have spoken to multiple people, all of which say they cant give me any info until i give them the proper paperwork stating i have the right to speak on behalf of my deceased father. My state attorney has sent all the necessary documents to Fay Servicing which they claim they havent gotten. Prior to my lawyer contacting them and sending out the paperwork, they claimed i was delinquent. My bank gave me statements proving that Fay Servicing received, stamped and accepted XXXX and XXXX payments. XXXX payment was paid and sent out but Fay Servicing returned the payment to me, along with a letter stating theyd no longer accept payments because my house was now in active pre foreclosure. XXXX payment was also paid and sent out but never received by anyone, another which theyre claiming i didnt pay yet. As advised by my attorney, I stopped making payments after XXXX in follow up with the letter they had sent me. Since then, Ive set up a savings account which I deposit my mortgage payments into as if I was paying it. Upon receiving this information, myself and my attorney tried to contact Fay once again. Every person Ive spoken to has told me they cant speak to me on my fathers behalf or give me any information until i submit the correct documents, which again, myself and my attorney already have more than once. Ive been told multiple times Id get a call back about the status of my account and I never hear anything from anyone. This is my childhood home which my dad wanted me to have and take care of after he left. Im doing everything i can to save this house since its all i have left from my parents. Regardless, Im doing what I should and Im paying my mortgage and this company is giving out false information thats putting my home at jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am currently in dispute with Portfolio Recovery Associates, LLC, whom since XX/XX/XXXX, have failed to validate a debt they claim I owe to them. Instead of following the cease and desist while the debt was being disputed, they proceeded to report this collection to the three credit bureaus. In addition, on XX/XX/XXXX, they sent me a threatening letter claiming that " my dispute alleges no new facts and includes no new information in which to form the basis of a new investigation, we will not be conducting another investigation of the dispute '' They proceeded to state " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' When I sent the first letter to Portfolio Recovery, they did not verify the debt. The second letter I sent requesting debt validation ( XX/XX/XXXX ), they responded back with a debt settlement letter. Soon after they sent the threatening letter ( dated XX/XX/XXXX ) refusing to investigate my dispute. I responded with a follow-up letter dated XX/XX/XXXX requesting validation, in which they failed to still verify. Instead they sent a letter dated XX/XX/XXXX with two statements. I have yet to receive the original signed contract with my signature stating I owe them this debt, and they continue to report invalidated and incorrect information to the credit bureaus claiming this debt is resolved, which is completely false and they added this false comment to my credit reports. As a consumer I have a right to dispute a debt and according to their letter dated XX/XX/XXXX they have taken away my rights by refusing to properly investigate this debt and taking away my rights to investigate this debt. They refuse to properly investigate this debt and as a result I am dealing with negative consequences based on their threatening and illegal practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I checked my credit report and saw an account from DNF Associates for XXXX XXXX. Theres no debt reported. Never received any notice of a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I found that my credit score dropped by 47 because National credit systems INC is trying to collect a dept on behalf of apartments renting office ( XXXX XXXX at XXXX XXXX ) for XXXX . 
I had never received this money from the creditor.I sent both parties emails and certified mail for evidence that I owe that dept but they never replied.On the website it's shown that the collection started XX/XX/2019. I am sure they did not reply because they don't have any evidence. 
It shows clearly in may bank account that I had never received any money from the creditor since I opened my bank account on XX/XX/2019 till present. I want to report that false dept collection and ask the collection agency to stop sending me pre-recorded voice msgs.Also i want the damage for my credit score to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
ON MY XXXX CREDIT REPORT I AM MISSING MY LAST TWO CAR PAYMENTS ONE FOR XX/XX/XXXXAND ONE FOR XX/XX/XXXX WITH THE CREDIT BUREAU THEY ARE USUALLY A MONTH BEHINH WHEN THEY UPDATE TO THE CREDIT BUREAU. WHAT I DONT UNDERSTAND IS XX/XX/XXXX SHOWS A BALANCE AS {$20000.00} AND THE MONTH OF XXXX SHOWS THE SAME AS {$20000.00} BUT ON THE PRINT OUT OF MY ACCOUNT SHOWS A DIFFERENT FIQURE FOR THAT MONTH. SECOND ON THE RATING PART OF MY ACCOUNT IT SHOWS FOR XXXX DOES NOT SHOW A BALANCE THERE SHOULD OF BEEN A BALANCE SHOWING FOR THE AMOUNT WAS PAID WAS {$20000.00} WHICH SHOULD OF REFLEX ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX I HAVE SUMMIT MY CREDIT REPORT AND BOTH MONTH UNDER MY RATING NEEDS TO BE UPDATED TO SHOW PAYMENT FOR THE MONTH OF XXXX AND XX/XX/XXXX ON XXXX XXXX THAT IS THE ONLY REPORT WHICH IS NOT ACCURATE. ON MY XXXX  CREDIT REPORT IT SHOWS PAYMENT STATUS AS PAID SATISFACTORILY I MADE ALL OF MY PAYMENT ON TIME WHY DOES IT SAY THAT ON MY XXXX  REPORT ALSO CAN THEY UPDATE MY CURRENT ADDRESS WITH XXXX  ON MY CREDIT FILE. THE ADDRESS THAT IS LISTED BEFORE I DONT USE MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX CAN THEY SENT THAT TO UPDATE MY CURRENT ADRESS WITH ALL OF THE CREDIT BUREAU.

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 2020-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CO

Complaint narrative:
Brinks and Netspend prepaid visa and mastercards I applied for were fraudulently stolen from me I never received them my mail was constantly stolen. My apartment was broken into several times at the XXXX XXXX XXXX XXXX, XXXX apartment I used to live in. I am suspicious of the suspects able to hack into my phone I was using, I would track phone numbers and get all transcripts from phone companies and all transaction history from XXXX   XXXX XXXX XXXX and all banks. The suspects also were able to hack into my computer from breakins and stealing my information. I never not once made a transaction with any card because I never received in cards from Netspend or Brinks. The suspects also hacked into cfpb.gov/prepaid and was able to steal my information which they had from breaking in my apartment and ordered several cards. Using address XXXX XXXX XXXX XXXX, XXXX as there address I would call XXXX XXXX XXXX  in XXXX, Colorado and see who has lived there. They also used XXXX XXXX XXXX XXXX the main office as a fraudulent address. This was from XX/XX/XXXX to present. I have suffered physical and mentally and went homeless because of the constant fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I checked my credit report and saw an account from XXXX XXXX for Kay Jewelers. Theres no debt reported. Never received any notice of a debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: TX

Complaint narrative:
Someone stole my purse along with my ID and Social and opened the following accounts and inquiries in my name : DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$4600.00} DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX High balance of {$3000.00} XXXX XXXX # XXXX Placed for XXXX Balance : {$310.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX XXXX XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$3500.00} Original Creditor : XXXX XXXX   XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-02-02 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: TX

Complaint narrative:
Someone stole my purse along with my ID and Social and opened the following accounts and inquiries in my name : DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$4600.00} DEPT OF ED/XXXX  # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX High balance of {$3000.00} XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$310.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX< XXXX XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$3500.00} Original Creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2020-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
WE ARE BEING THREATENED WITH FORECLOSURE AS OF XX/XX/2020. THE HISTORY OF PROBLEMS WITH SPECIALIZED LOAN SERVICING CAN BE FOUND HERE WITH CFPB. 
WE HAVE NUMEROUS TIMES REQUESTED TO SEE OR GO TO LOCATION TO VIEW THE ORIGINAL LOAN DOCUMENT THAT SLS SAYS IS BEING KEPT BY A CUSTODIAN AND REFUSES TO NAME CUSTODIAN. 
WE REQUESTED A NOTARIZED OR CERTIFIED COPY AND WE ARE REFUSED THAT TOO. DURING THIS TIME A FORGED HOME EQUITY CREDIT LINE AGREEMENT AND DISCLOSURE STATEMENT WAS CREATED BY SLS FOR THE PURPOSE OF FRAUDULENT ACTS AGAINST US. AN EMPLOYEE PROVIDED A COPY OF THE FILE BEFORE IT WAS COMPLETED THAT SHOWS THE FILE PRIOR TO THE FINISHED MERGER OF LAYERS AFTER THE RUBBER STAMP IMAGE WAS INSERTED. WE HAVE ASKED FOR AN ATTORNEY TO CONTACT US FROM  SLS AND THEY REFUSE. WE CONTACTED AN ATTORNEY LISTED BY THE STATE OF COLORADO AS WITH SLS AND HE DID NOT CONTACT US AS WELL. 
WE HAVE OTHER EVIDENCE TO SUPPORT THE ACCUSATIONS OF FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX My husband and I was driving on the highway and my XXXX XXXX XXXX just stop in the middle of the highway. I called Carvana on XX/XX/XXXX and explained what happened and I spoke with XXXX at Carvana at XXXX who explained that they have a limited warranty which last for only 100 days or XXXX miles whichever comes first. I explained that I purchased the car on XX/XX/XXXX, and the truck was jerking. We mention it to the sales rep and she stated that the ruck is a 8 cylinder truck and the cause could be the torque. It has not been 6 months and the transmission on the car is gone. I advised that this seems like a pre existing condition and they should fix the issue due to I still have a {$400.00} car payment to pay on a car a that doesn't work. XXXX then transferred me to XXXX who stated the same exact thing about a warranty. I ask to speak to a supervisor. They transferred me over to XXXX. XXXX returned the call back to me and explained the same exist thing. I advised XXXX that I will reporting them selling me a lemon. I just want Carvana to fix the car because I am sure this is Pre existing condition. This is not a normal ware and tear when a transmission goes out. XXXX XXXX is still requiring a payment. I cant afford to pay a car payment and pay to get a transmission on a car. This makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
my loan started in XXXX with aes. i defaulted in XXXX i then setup payment arraignments. Two payments twice a month for three years was withdrawn by aes. they claim they were not the ones who withdrew the money. i provided bank statements as proof. i have accrued thousands of dollars in fees and interest. when i cal, the customer services representatives are have been rude, unknowledgeable, condescending and confusing. after all this, i owe as much as when i started.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
While viewing my current credit report I noticed that there was a collection form Phoenix Financial Services regarding a medical bill. I have no knowledge of any medical bills. Please validate the accuracy and that the account is mine under FCRA guidelines. Including my signature and/or how you came up with the amount of {$1100.00}. All communication is to be through this website only. do not call email fax text or mail me. Please upload documents to this website only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My personal information is reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA 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 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX I have contacted company and all 3 credit agencies and showed proof of incorrect reporting no action taken on either parts months of phone calls and letters.

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 2020-02-02 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: PA

Complaint narrative:
My personal information is reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2020-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX  XXXX XXXX on XXXX/XXXX/2019. I paid {$7000.00} cash, traded vehical for {$3200.00}, and financed {$25000.00} through the dealership / XXXX XXXX XXXX. In XXXX 2019 I received a title in the mail with 2 liens listed. The bank i financed from and bank of America. I went back to dealership  and they said they would take care of it and check with DMV in 2-4 weeks. I contacted DMV for several months waiting for an update and they stated they have no received a lien release. I contacted the dealership again and was advise they are no longer in business. I tried contacting Bank of America, XXXX XXXX, DMV, District Attorney, State District Attorney, XXXX, etc and have been unable to resolve this. I'm not sure how the car was registered to me without a lien release. All my paperwork states XXXX XXXX is the sole lien holder when I purchased this. I don't understand how the dealership could sell the car without paying the lien off and taking my cash and XXXX XXXX check and close down leaving this unresolved. I'm not sure who the other lien holder is. XXXX XXXX should be the only lien holder and has collateral on the vehicle. I need this resolved ASAP. I looked into similar situations and it appears the owners are scamming people and just continue to open and close dealerships leaving situations like mine unresolved. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation