vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: NEW CITY FUNDING CORP.
State: MA

Complaint narrative:
On my first complaint I told new city funding that the auto loan that I had with them wasnt discharged in bankruptcy, they are claiming that it was but that is incorrect because if an account is discharged in bankruptcy, it doesnt have to be paid because it was discharged,  I filed for bankruptcy chapter XXXX so that means that all of the accounts that were included in my bankruptcy I didnt have to pay any longer because they were discharged, now I paid this auto loan in full, every single payment were taken out of my bank account, so if I paid this account in full using my own money, how can new city funding tell me that it was discharged in bankruptcy. If I discharged this loan in bankruptcy how come I still have the car? That is my question to new city funding, I was a great costumer to this bank and they are doing me so wrong by not telling the truth, even the documents that they sent me, if you look at each of the payments, they were made as they were agreed to. I want new city funding to proof to me that I did them wrong on this account, if they have any proof showing that I didnt pay this account in full I will stop complaining about this matter, this is no way to treat costumers, I will contact the attorney generals office and I will also file a complaint with the XXXX, XXXX XXXX XXXX, if this account isnt corrected because new city funding know very well that I never missed any of my payments on this car. The FCRA says that all information on a consumers credit file needs to be 100 % accurate and right now this account isnt being reported accurate at all. This bank or any other bank for that matter have to obey the FCRA and go according to what they say. I will also consider legal action in small claims court against new city funding for wrongfully reporting this account to all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened with this company in XX/XX/2018an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
Phone Calls from Williams and Fudge using same first three digits : XX/XX/19 : 4 Calls XXXX XX/XX/19 : 3 Calls XXXX XX/XX/19 : 3 Calls XXXX XXXX : Multiple Calls from same or similar numbers between 2 -4 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I traded my XXXX in for a new XXXX XXXX never used leftover because it was a XXXX XXXX XXXX XXXX speed  so nobody wanted they wanted XXXX  at XXXX XXXX on XXXX the problem is they added my repair loan for my XXXX repair into loan then the rate went up to XXXX instead of what I thought XXXX so I would brought it back but they sold my XXXX I tried to refinance my car loan with no luck because its a 2017 and over payed Im into one year of loan and they said they would refinance my car loan around 10-11 months then they lied saying state banking as of XXXX I purchased car in XXXX wont allow us to refinance auto loan anymore I called state banking they said not true so I need help to lower my loan also XXXX has false credit stuff on my report bringing my score down and they arent in America anymore help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: ID Analytics, Inc.
State: IN

Complaint narrative:
I received a letter from SageStream LLC stating that my application for a XXXX XXXX XXXX Credit Card was not approved because " consumer associated with too many phone changes '' and " Limited history for consumer at this phone ''. It seemed fishy because I've never applied for a XXXX XXXX card and why would my phone have anything to do with a credit decision? Not to mention, I've had my landline phone for about 12 years and my cell phone for nearly 9. In order to freeze them, they require me to mail them proof of my social security number, birth certificate, and drivers license, all ideal ways to steal my identity. In addition, they state that my credit score is XXXX out of XXXX, which is drastically lower than my actual credit score. I tried to call them multiple times, but the unprofessional voice prompts would never actually connect me to a real person. So, I gave up and chose to report them here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
So Wells Fargo charged me and countless others for a charge they shouldnt have and settled on lawsuit to refund those affected. 

I first had the check moved to the wrong address but they sent me letters to my correct address. 

When I called about my refund on XX/XX/XXXX and spoke to mark I was told it would be reissued and it would take 4-5 weeks. 

On XX/XX/XXXX I called to check in it and spoke to XXXX and XXXX. They said it only been 4 weeks wait a little longer. It's all good. 

On XX/XX/XXXX I called because it reach 5 weeks. And was told XXXX never processed the refund and it would take another 4-5 weeks by XXXX. I asked for a supervisor and XXXX told me that because it was late in the week when I called in that I needed to wait just a little bit longer and If i didnt get anything by XX/XX/XXXX the following week to call and check on it. But she would have her supervisor call me. 

XX/XX/XXXX I call again and was told check was processed on XX/XX/XXXX. And it would take 4-5 weeks and no way to make it faster. I was clearly lied too and no one was willing to make it better and I couldnt get anyone higher on the phone.

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 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CA

Complaint narrative:
They constantly call and when I answer the phone theyll hang up. Im sick of the harassment and if they call me Id like for them to actually say something instead of calling up to 5 times a day. I have blocked the numbers they call on then theyll use a new number. 

The company is ERC. I *think* the debt is with XXXX XXXX who opened accounts for me without my permission resulting in hundreds of dollars worth of fees Im never going to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
InXX/XX/2018 I took out a loan with XXXX XXXX ( through XXXX XXXX ) to pay for dental work that had been recommended to me. I later decided not to pursue treatment with that dental office ; however, with job transition and other matters I forgot about the loan until contacted by Portfolio Recovery Associates. They are seeking the repayment of the {$5900.00}, but I have disputed this amount with them due to my attempts to work with the dental office to secure a refund of the unused loan funds to XXXX XXXX. ( A small amount was used for lab fees, but most was not touched since I did not have the treatments. ) I have sent dispute emails to their disputes address, however they are ignoring the contents of my emails and assuming I am disputing the validity of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
RE:XXXX. In response to my complaint, Navient said that they never told me that in order to change loan servicers I would need to consolidate my loan. That is what I was told. That is the reason that I consolidated my loan. Then they assigned the loan back to Navient and took all of the interest I had paid fromXX/XX/XXXX toXX/XX/XXXX. 

I requested that Navient send me the consolidation paperwork which states that reason for the consolidation. They sent me the consolidation paperwork and the reason for the consolidation is not stated. 

Please ask Navient to produce the loan consolidation paperwork from XX/XX/XXXX with the reason for consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They constantly call and when I answer the phone theyll hang up. Im sick of the harassment and if they call me Id like for them to actually say something instead of calling up to 5 times a day. I have blocked the numbers they call on then theyll use a new number. 

The company is XXXX. I *think* the debt is with Wells Fargo who opened accounts for me without my permission resulting in hundreds of dollars worth of fees Im never going to pay.

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 2019-08-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, Equifax received my claim, which disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report. 

The accounts that are being incorrectly reported are the following : 1 ) XXXX XXXX, account # : XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, balance : {$2200.00}, status : Charged Off. Incorrect last activity date. Incorrect high balance 2 )  XXXX XXXX XXXX account # : XXXX date open : XX/XX/XXXX, Date Closed : XX/XX/XXXX, balance : {$5200.00}, status : charged off. Incorrect last activity date. incorrect high balance. 

3 ) XXXX XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Date Closed : XX/XX/XXXX, balance : {$11000.00}, status : charged off. Incorrect last activity date. incorrect high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit score dramatically went down this month talked to my bank told me to contact you guys

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 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
URGENT!!!!! SALE DATE TOMORROW FRIDAY XX/XX/2019 I am a crime victim. My home was stolen through a title crime by two time felon XXXX XXXX XXXX through a forged Deed transfer which took title out of my name. XXXX was arrested on XX/XX/2019 in XXXX County for Mortgage Fraud and is currently in jail awaiting sentencing because he could not meet his bail of $ XXXX. I was in the middle of a loan modification and error process when my servicer Bayview Loan Servicing , LLC abruptly stopped it and dual tracked me to a foreclosure sale, for lack of holding legal title, knowing it was a criminal that stole my title. They are well aware of this title crime yet continue to conceal it in order to pass it off as a marketable title foreclosure sale. It DOES NOT have marketable title as it is tainted by forgery. This is a federal crime. Under legal statutes they are required by XXXX to report this in a Suspicious Activity Report ; Not use it to their advantage. My title shows XXXX XXXX, alter ego XXXX, as owner. They are not only aiding and abetting but they are selling a property that has been used in a crime to an unsuspecting buyer at a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Dated XX/XX/19, I received notice from LVNV Funding LLC in reference to debt owed of {$750.00}. Please provide validation of this debt per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: MD

Complaint narrative:
I went through a divorce in late XX/XX/XXXXand took a job inXX/XX/XXXX out of the country. 
I came back to USA in lateXX/XX/XXXX to find that many accounts were opened in my name. Not sure who but I have a suspicion that it was my ex-wife. 
I supplied all records and proof of work and visits to the USA during the time period to the credit agencies to resolve the matter. 
Many of the creditors removed their filing except for 3 collection agencies listed below. 
Also, there are 2 addresses on my report that belongs to my ex and I have never lived there or anywhere in XXXX. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. 3XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX She added my name to her address and received the cards or loans online to that address while I was XXXX if miles away. 

To be removed : 1. XXXX XXXX XXXX  XXXX XXXXY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Total {$2500.00}. 

2. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Total : {$5200.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Total : {$1900.00}

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 2019-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
Friday, XX/XX/XXXX through XXXX, via their " excellent match '' for potential loans, I applied at Upstart.com for a personal loan of {$3500.00}. Upstart immediately denied me. During the application process, the deceptive advertising was touting this easy process that is not heavily based on credit history. Supposedly they pretend that they help people with problem credit. On paper, my credit report and FICO score is good, in the mid 700s, but for some mystery reason I can not get the type of credit I should with my scores, and it has been that way my whole life, no matter what my situation. 

I already had my credit reports, my FICO score, my credit rating way before dealing with Upstart. So they sent me a generic reason as to why I was denied. In several back and forth communications, I tried to get them to tell me the specific, exact reason why they denied me. They kept telling me everything but. 

They told me to go check my credit report if I had issues. I told them I already have my reports and I don't see any of the generic reasons they listed. 

I asked again and again to clarify why they denied me, but they would give me the credit rules and regulations, tell me why it " could be '' but never specifically tell me the reason for the denial. I even cited the law, which states the must disclose the reason for the denial, not tell people what it could be or what the law says. But at that point they just stopped responding. 

So because of tat I have a hard inquiry from Upstart and nothing to show for it. I do not think our regulations allow creditors to deny loans just because they want to, and whatever the reason they are supposed to be transparent about it so we can address it if possible. 

There is harm to my credit file now, as each inquiry brings down your score. I want to mention here that one of their " reasons '' was too many inquiries. The only inquiry I had was from a job, The other one was THEIRS. Obviously they are just making any excuse because they have a certain set of people who they will service and other people are being redlined. Otherwise why so opposed to giving their specific reason? 

Also, one of their denial responses says to check my Upstart mailbox - but I never had one. I never had to log into their website. I can not log in and it doesn't show a way to register either. So even their " link '' doesn't lead you to any information. They utilize XXXX XXXX XXXX for Georgia, so evidently they are in on this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, TransUnion received my claim, which disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report. 

The accounts that are being incorrectly reported are the following : 1 ) XXXX XXXX, account # : XXXX, date open : XX/XX/XXXX. 

2 ) XXXX  XXXX XXXX account # : XXXX date open : XX/XX/XXXX. 

3 ) XXXX XXXX ACCOUNT # 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 2019-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Patrick K Willis Company Inc
State: WI

Complaint narrative:
On XX/XX/2019 XXXX XXXX contacted my employer. There was someone who said they were " investigator XXXX '' and if I didn't contact them immediately I would be arrested. They called my employer several times throughout the day leaving harassing messages. I called them asking them to stop calling my employer. They refused. They contacted my employer on XX/XX/XXXX and XX/XX/XXXX. They then contacted my landlord and told him I would be arrested.

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 2019-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was given the prequalification letter by bank of america and ask me to look for property and get the contract signed. I looked over the property..put an offer ... my offer is accepted ... did the contract ... did the house inspection and sent all the documents to Bank of America . 
When everything is done and also i put down money on it..the bank tells me now that i wouldn't be even qualified for. 
All the information given are true and correct on my behalf.The played with me..and i have lost all the money.

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Frontier Consumer Law Group, LLC
State: GA

Complaint narrative:
IAll contact was by phone, contacted Fast Track Debt Relief about debt relief program, all my information about my debt was collected and was told what my monthly payment would be on a bank draft, never telling me that a company by the name of Frontier Consumer Law Group would be overseeing my account, these two businesses have the same address. When I contact frontier and ask questions I get emails from operations manager from fasttrack. A Georgia Attorney sent me an email stating she only helped if this company notified her as a summons, also she refers to them as a debt management company. They have collected up from fees since XX/XX/2018 which in Georgia is illegal. They also made agreements without contacting me for settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an account with Bank of America, and I was scammed today for a concert ticket by a man or women who had a fake account on XXXX named XXXX XXXX XXXX, and has a XXXX account in the name of XXXX XXXX ( XXXX ). I was scammed a total of XXXX dollars.

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