vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony PayPal Credit refuses to remove a balance that was paid in full trough an settlement agreement. They agreed with the settlement but state even I do not owe this balance due it will remain on my credit 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 non-monetary relief
Consumer complaint received 2021-06-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-06-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
We have exerted all efforts from our end to make the short sale process as fluid and stress-free for you as we can, but we are not getting a timely response from your lender. We have already reached out to the executive office but have not had much of an effect. 

The file was transferred to Fay servicing on XX/XX/XXXX. We have an ongoing short sale application with XXXX  before this file was transferred to them. We were advised that they received the file on XX/XX/XXXX. The file was tagged complete on XX/XX/XXXX and XXXX was done on XX/XX/XXXX with the AS-IS value of $ XXXX.We were informed that ETA for review is 30 days from XX/XX/XXXX. We made frequent phone calls and emails to the POC and as well as to his manager to monitor the file. We escalated the issue multiple times since it is already past the 30 days time frame they provided. We are not getting any progress nor response from the assigned processor although multiple emails and callbacks were requested. It was only on XX/XX/XXXX that we received a response that our offer is too low and they are countering for {$260000.00} offer. 

The buyer agreed on the counter and the new offer was sent on XX/XX/XXXX for review. The same process, we did frequent follow up to check the progress but we are only getting answers like " still under review by the investor, only the processor can answer to that ''. It was only on XX/XX/XXXX, after numerous attempts that I have been able to spoke to the POC that we find out that the investor is asking for {$260000.00} as net and not as a gross offer. 
For the last time, the buyer agreed on their counter provided that we can get the approval and close this month. We submitted the new offer on XX/XX/XXXX with the {$260000.00} net that the investor is requesting and until now we don't have any update from the lender nor the POC if they already submitted the new offer to the investor for review. 

The agent we spoke to yesterday informed me that he is not seeing any notes on the account if the file was submitted to the investor for review and it's not even showing that there is a new offer. We sent numerous emails and callbackrequests but we have not heard yet from the processor nor from his manager. 

Any help you can offer regarding this matter is greatly appreciated. It's now more than a year and we have not received any decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC
State: MD

Complaint narrative:
Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX  XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XXXX  XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued.

There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I have been calling to try to get some consumer inquires off of my consumer report. Someone was trying to obtain a car in my name during the pandemic. Now the inquires are still on the account, which is a negative affect on my life currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC
State: IL

Complaint narrative:
On XX/XX/XXXX, I informed their rep XXXX that I am not allowed to receive calls at work and to please stop calling that number per my request as granted under the Fair Debt Collection Act. 
XXXX acknowledged my request. 
XXXX stopped. They now have XXXX XXXX XXXX XXXX ) from the same department calling my work number instead of XXXX. 
The request granted under the law was for the company to stop calling my work number, and they are trying to play games by having a different person call. 
On XX/XX/2021, XXXX was also informed of my request not to call my work number. 
They have my personal number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: GA

Complaint narrative:
On XX/XX/2021, I sent transunion a response letter about inaccurate, unknown, and incomplete items on my credit report, and today XX/XX/2021, and 70 days later, I still have not received a response from them. They completely ignored me. Section 611 ( a ) states that failure to investigate the disputed item within 30 days gives a reason to immediately remove said items from my report. It has been 70 days, therefore I need these items deleted promptly. It is exhausting and stressful, I have been going back and forth with Transunion, I demand these account to be removed immediately or I will file for litigation due to the constant stress this has caused me.

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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Went to get a line of credit or equity out of my house and they ran my credit report and they said no, I just wanted to get away from XXXX interest they are making off of me on a loan that I only owe XXXX of a loan that was only XXXX to begin with

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 2021-06-23 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: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CO

Complaint narrative:
On XX/XX/2021, I wrote a letter requesting to only be contacted in writing with the statement that if the request was not complied with, that I would immediately file a complaint. I also requested to be allowed to validate the alleged debt and did not receive any documentation. I confirmed via tracking that the letter was delivered to their offices on XX/XX/2021. Since they received the letter, they have called and left me voicemails on 2 separate occasions. Once on the XXXX of XXXX, and again on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Daily, I receive so many annoying " Scam '' cell phone calls, I do NOT answer any of them. I only answer numbers that appear with a Name that I know. I check my Voice Mail every 2-3 days. A few months ago, a voice message was left from a " Synchrony Bank '' located in XXXX that my PayPal Master Card minimum monthly payment of {$160.00} is Past Due. So the next time that number called - which begins at XXXX XXXX  every day and goes to midnight, I answered - and after getting past the Robot to whom I REFUSED to give my Social Security Number so it could look up my account - I spoke to a woman. I said, " Where did you get my Name, Address and Phone Number? I do NOT have a PayPal Master Card. My PayPal account was hacked in XXXX and PayPalAlertTeam closed my account - and made sure my bank account was secured so these PayPal scams would end - and they DID at my bank. So, where did You people come from? I have never heard of a Synchrony Bank - sounds like a scam. '' This woman sent me to her manager - and when she said, " Is this Ms XXXX XXXX? '' and I answered MAD : " Yes, IT IS! '' she hung up on me. I continue to get 3-5 robot calls a day. On XX/XX/XXXX, I got such a FAKE Past Due letter, it was ridiculous : cheap paper, NO address, NO email, only a phone number to call to settle the Past Due. I XXXX  Synchrony Bank and their " clever and length '' NON- '' brick & mortar '' bank is laughable.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have been calling to try to get some consumer inquires off of my consumer report. Someone was trying to obtain a car in my name during the pandemic. Now the inquires are still on the account, which is a negative affect on my life currently.

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 2021-06-23 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: Adelante, Inc
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-06-23 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.

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 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My XXXX  was reporting a XXXX  XXXX  collection account in the amount of {$620.00}, Now MIDLAND CREDIT MANAGEMENT,XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX is reporting {$820.00} on my updated XXXX  credit report. Two things this account is fraudulent which i explained to Midland credit Management who then notice me that another company which is XXXX XXXX who told me today XX/XX/2021 that they did indeed returned the Debt of {$820.00} back to Midland Credit Management yesterday XX/XX/2021. The second thing is When the debt first reported with XXXX  the debt was {$620.00}, so i wanted to find out how the debt went from {$620.00} to {$820.00} and no one can tell me how the balance changed, no documents nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: KY

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
RE : Illegal Reinsertion and Deceptive Collection Practices Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Mitigation Services, LLC
State: TX

Complaint narrative:
Did not receive a written notice by XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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: GA

Complaint narrative:
I was advised that you all can help with these items on my credit and I dont know where they came from. I have called all of them on there several times and its just been a run around. Half of the time you just hang up after being on hold for two hours everytime and when you do get someone the line is never clear and they all say its because they are working from home. Please help me get this resolved and these accounts taken off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and some account that dont even have a name but the account number is XXXX. I also see something called DPT ED/XXXX  and looked it up and they said its a student loans. I dont know how that happened because I have never been to college. I didnt even graduate from high school which is why I have to work hard to have a nice living and my credit is all I have. I also saw where I guess my credit was pulled and I have not applied for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX. Im doing this by myself and really need some 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