vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Toyota financiaXXXX account XXXX had reported in my credit bureau that I was passed due 30 days for the month of XXXX when I have never been late I have always even pay more. Please help, my credit has gone down almost 50 points for their error I have so hard to maintain my credit in high score and now this happen. First they incorrectly reported my balance I had dispute that with XXXX  and than they reported me delinquent for XX/XX/2021. I have reached out to them and they are being difficult to fix error they did. Please I need that completely erase from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
A contract was signed on XX/XX/21 to assume a solar loan in the amount of {$34000.00}. The agreement was recorded on XX/XX/21. 

The first statement the lender provided claims that the loan amount is {$34000.00}. Multiple attempts to correct the issue have failed, the lender has refused to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
On or around XX/XX/2021 my business debit card was lost or stolen and someone made transitions using the card.

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 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/2021 right before the stimulus checks were deposited they credited the account {$76.00} without my knowledge claiming my account was overdrawn and it was not. This credit was given without sending out any notification and then was debited from the account months later again without notification resulting in overdraft fees and will not refund the fees.

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My business bank account has supposed judgement that enforced on XX/XX/XXXX by XXXX XXXX, I have not servered by the debt collector but there was supposed judgement sent to them when I called the county of clerk of courts they told me that no judgement has been served the case has is in processing so they are not suppose to take anything from my account unless a judge ordered it. I contacted bank of America today and ask if a judge had signed off sent the bank a letter saying that they can levy or garnish my money they said no the lawyer for the company sueing sent me them the information so basically where I am confused is how Bank of America took that and ran with with it because the documents that I have shows that nothing was signed off and nothing was awarded to the other side regarding the situation. Then Bank of America sent me a check of XXXX because they didn't tell me what the check was for I didn't know that my account was a not able to have nothing go in or out so I deposit the check back into the account so now I'm they have it part of the legal fees and refuse to cut me out another check.

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
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I was notified on XX/XX/2021 by a credit monitoring service that a collection was placed on my credit report. The debt collector is Sequium Asset Management. I called them and was in structed to pay an outstanding balance to XXXX XXXX in the amount of {$1900.00}. The debt was from a residence in XXXX XXXX XXXX Florida. I have never been to or resided in Florida and have never purchased XXXX XXXX in my lifetime. I was never notified by Sequium Asset Management or XXXX about any debt in my name. The only way I found out was because they placed a collection on my credit reports. I have filed an identity theft with the FTC, Report number XXXX on XXXX XX/XX/2021. I recommend that Sequium Asset Management be closed and employees imprisoned for committing fraud by not contacting me or verifying that the account was indeed my debt prior to reporting my account to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
i asked DIVERSIFIED ADJ SVC to I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with XXXX accounting principals ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: CA

Complaint narrative:
I received an alert on my credit report about a collection. I pay my bills on time so I was confused. I received the alert on XX/XX/2021 for {$310.00} via XXXX. It was from a company called Vance and Huffman. I have never received any correspondence from this company about this alleged debt. According to the Fair Debt Collection Practices Act, I should have have received written notification. I have never received a debt validation letter stating that I owed the debt. I have never been mailed anything from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Did not work when attempted to login. They provided a phone number to call but never spoke to a real person and nobody was available to speak with to answer any of my questions was only a computer.

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 2021-04-30 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: Capio Partners, LLC
State: FL

Complaint narrative:
I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX, FL ) He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX  has violated the FCRA.. XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by XXXX XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. CAPIO PARTNERS LLC Original creditor : XXXX XXXXXXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I sent a affidavit to Kay Jewelers telling them i would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with GAAP accounting principals ) ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: HI

Complaint narrative:
AmeriHome is not complying with the CARES Act. AmeriHome has actively deceived me. I asked for a deferment for my VA-backed loan. AmeriHome activated a loan modification instead of the deferment, with very unfavorable terms, without my consent. 

Forbearance period XX/XX/XXXX through XX/XX/XXXX. 
Requested deferment XX/XX/XXXX AmeriHome sent Loan Modification instead of deferment. XX/XX/XXXX Contacted AmeriHome XX/XX/XXXX. They refused Deferment option described in the CARES Act for VA-backed loans.

AmeriHome is trying to bully homeowners into foreclosure or unfavorable loan modifications without following the CARES Act. AmeriHome is a collections agency. They have no incentive to help homeowners. Talking to the collections agency employees makes it clear they want to foreclose or charge huge fees for loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: PA

Complaint narrative:
I sent a affidavit to WEBCOLLEX , LLC DBA CKS F telling them i would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with GAAP accounting principals ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: AL

Complaint narrative:
Bankruptcy case number XXXX This is my second or third time asking TransUnion to show proof of how they have verified this account, and they have yet to provide proof, They only say " verified '' which isn't sufficient. It also shows me they aren't doing their proper due diligence concerning the matter. On XX/XX/2021 XXXX XXXX sent documentation stating that they removed the bankruptcy case XXXX from their report. After that, I sent a dispute to Transunion stating that XXXX XXXX has removed this account. XXXX XXXX is the company TransUnion report to verify bankruptcies. If XXXX XXXX has removed this account, Transunion is lying or not going through proper investigation to verify items like they are supposed to do according to FCRA Laws. My family and I have been in much distress because we can't get any housing and were being denied for everything we apply for. At this point, I don't know what much else to do for help besides getting a lawyer to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
Because the US laws changed I was required to transfer all of my cryptocurrency from Binance to Binance us. On XX/XX/2021 I transferred XXXX XXXX but accidentally forgot to add the memo so my coins went to Binance us but did not make it into my account. The same day I created a ticket with their customer support ( because there is no phone number or live chat to contact ) asking to return my coins. It took 51 days and a complaint to the California attorney general to even get a response to my ticket. I provided them with the requested information and then on XXXX XXXX I received an email stating my money would be returned ASAP. I followed up with the company 10 days later and on XX/XX/XXXX again received the exact same email stating my money would be returned ASAP. It has now been XXXX XXXX months and I still do not have my money. At todays price my XXXX is worth over {$2500.00}. This company is stringing its customers along and keeping their money. I feel like this is theft at this point. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Paramount Capital Group, Inc.
State: PA

Complaint narrative:
Credit reports show that account has missed payment/negative month/derogatory remark. I have never missed a payment and creditor agreed to offer a discount for a full payment. I would like the missed payment/negative month/derogatory remark removed from my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, consumer protection Law firm ( XXXX, FL ) He notice several instances where XXXX  are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX  continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX  did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX  fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX  has violated the FCRA.. XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.BULLCITY FINANCIAL SOL Original creditor : XXXX XXXX XXXX  {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 2. XXXX XXXX XXXX Original creditor : XXXX  XXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI Financial Services XXXX and XX/XX/2020 mortgage payments were made on time via phone payment. 
Payments were confirmed. 
They admitted that the computer system failed to apply payments correctly and would remove all negative reporting. 
Several months of emails and correspondences, the false derogatory marks have not been removed from my credit report. 
I am still in contact with them and waiting for them to make all corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello, I am trying to fight a charge-off on my credit report. 
I had paid the Target Red Card services the full amount, but within 3 months, but they made it difficult to pay locking my only account. 

How long does your account have to be delinquent before they can charge-off the account? 

They did not write me to let me know the account was going to be closed r charged off. 

Please assist, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SoFi Mortgage, LLC
State: PA

Complaint narrative:
I applied for a mortgage refinance with Sofi on XX/XX/XXXX. Throughout the process, Sofi caused my credit score to drop unnecessarily due to excessive credit pulls caused by closing delays. Specifically, Sofi pulled my credit 6 times ( dates of pulls : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

I submitted a CFPB complaint about the excessive hard pulls on my credit and Sofi provided a Response in XX/XX/XXXX. In the response, they stated : " Upon reviewing your account, we confirmed that there were a total of four hard credit inquiries obtained throughout the process. We are currently working to have two of them suppressed, which will completely remove them from your credit file. Please note that the general timeframe for this to be handled by the credit bureaus is 30-90 days. '' It is now 200 days after Sofi 's response, and as of today, my credit report still shows 5 inquiries. Attached is a copy of my credit report from Sofi 's own website. The attachment states that there are 5 hard inquiries, on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Based on this, it is clear that Sofi only had one ( 1 ) pull removed from my file ( the pull from XX/XX/XXXX is no longer showing ). 

Sofi should remove the following specific credit pulls : 1. XX/XX/XXXX, 2. XX/XX/XXXX, 3. XX/XX/XXXX. The pulls on XX/XX/XXXX and XX/XX/XXXX were unnecessary because Sofi had pulled credit on XX/XX/XXXX. The pull on XX/XX/XXXX was unnecessary because Sofi had pulled credit on XX/XX/XXXX. 

There is no reason to pull someone's credit 4 times in one week ( XX/XX/XXXX ) or 2 times in one week ( XX/XX/XXXX ) for one single credit extension/transaction.

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