vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I need help. I want to report that Cavalry Portfolio Services is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. 

I want to mention two serious violations : 1. Reporting an incorrect opening date 2. Charge-off interest. 

Damages : legal advice expenses, not being able to obtain loan, emotional stress. 

Please forward the attached documents to Cavalry Portfolio Services , LLC. 

Thank you so much, CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
In response of an Ally Financial Bank letter that I recieve on the XX/XX/XXXX via NORMAL mail ( not 2 days mail or priority mail ). 
see attach documents. 

ALLY Financial Bank send me a letter dated on the XX/XX/XXXX with an advidavit form to be filled and to be notarise and stated that if I do not send this advidavit letter/form in 15 days from the date of the letter Ally Financial will report to the credit agencies that this account is legit, Well how the heck do Ally Financial think that in less of 5 day I will do all of this ( from XX/XX/XXXX to XX/XX/XXXX is already 10 days ) ... THIS IS THE KIND OF GAMES Ally Financial Bank is playing with me since day one of my first dispute. 

For more than 8+ months ( 240+ days ) I am disputing this account direct to Ally Financial and via the 3 credit reporting agencies, requesting any SIGNED contract between my person and Ally Financial and documents that proof that Ally Financial had the right or my autorization to sell all my Confidential Private information to Portfolio Recovery Assosition, as SSN, mail adress, Names, phone number, birthday date etc etc. 

WELL NOW IF IN 15 DAYS FROM THE DATE THAT ALLY FINANCIAL SEND ME THE ADVIDAVIT FORM/ LETTER REQUEST ( XX/XX/XXXX ) I DO NOT RECIEVE ALL THE REQUESTED DOCUMENTS THAT I AM REQUESTING SINCE 8 MONTHS AGO I WILL NOT HESITATE AND WILL FILE A LAWSUIT AGAINST ALLY FINANCIAL BANK IN MY MUNICIPAL OR LOCAL COURT.

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 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I received letter from Midland Credit Management to collect debt. The company do not have contractual agreement that bind me to account. Account does not belong to me. I asked company to provide contractual agreement that bind me to account in XX/XX/2019. Midland failed to provide documents within 45 days. However they reported inaccurate information to credit bureaus. 

Also midland reports collecting from XXXX XXXX company that was on my report. XXXX XXXX account was previously disputed and deleted from my credit profile due to not also having a contractual agreement that binded me to account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I have been homeless twice within the last year and am currently facing eviction. Reliant Capital solutions refuses to refund my tax return of {$1500.00} and {$1000.00} from XXXX and XXXX. Reliant and the Department of Education states they did not refund my money to me because Im not facing eviction however, I am currently facing eviction and have been facing evictions for the past 3 years. Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
M & T Bank, XXXX. Contacted on XX/XX/20 at this number after contacting refinance dedicated number XXXX with automated response " MESSAGE CENTER FULL '' and disconnected. 
Initially after 45 min hold XXXX responded that he was only relay to Loan officer and hung up. Repeated tries, I was able to get XXXX of another Bank Department who attempted to onnect me with loan officer and failed. She arranged for 24 hr call back by a loan officer. Well, 24 hrs have passed nd no call. 
I bleive that M & T Bank is a debt collector and there is more incentives to get customers into debt than provide normal services. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I do believe that I am seriously in danger as I was not properly closed with my mortgage. Loan Care sold my home through a Trustee Sale without the trustee being connected to the new lender who owned the servicing rights ; XXXX XXXX was the company who should had welcome me and given me a chance to explain my debt. My loan was incorrect and was not properly transferred nor addressed. I have since received a letter dated XX/XX/XXXX as if I had asked that Loan care perform an action on my account and that they received an acknowledgement of my authorization. What acknowledgment? I thought my house was sold on XX/XX/XXXX so why would you have to perform anything on an account in my name. Which is why I am questioning the money deposited in my account in XX/XX/XXXX ; preparing for the house located on XXXX XXXX XXXX XXXX in XXXX arizona  to be sold ; without addressing me as an owner and taking money from someone else ; while I remain in the house. This appears to be against the law to perform this action which is why I am asking once again. Why does XXXX XXXX recognize 's me as being in their system as of XX/XX/XXXX. Does it take that long for me to be in their system while they did not even talk to me regarding my past debt. That debt was incorrect and as I have shown why in previous complaints ; I am praying that Loan Care has to recognize that they were wrong and they will not last as a business if they keep defrauding people out of their homes. Today, I am thankful that I am not homeless, but how sad for those who are. I hope the representative who has their position in these trying times, pray that they are not going to be homeless and have to pay for what they did. 

Please take note that someone is trying to claim my excessive funds which was my forgiven amount that was attached to my deferred outstanding account which was incorrect. Also, please take notice that I was in the bankruptcy claims department and XXXX had acknowledge that my loan was transferred in XX/XX/XXXX, so I should had spoken to the Trustee ; XXXX XXXX at least 4-6 months prior to sale and she held my loan as a lien since XXXX while I was in bankruptcy from XXXX ; so what is Loan Care 's reason on why they did not address my loan correctly after bankruptcy? Was it because of greed? It appears so.. Please address my concern with an appropriate response ; minus the " snide sarcastic and arrogant '' responses that I had received in the past ; you received what you wanted ; THE MONEY, but as of today ; when I check my mail at the old address ; the house sits with my trash sitting beside the road for pickup and I am still getting mail stating that I am the owner less than a month ago. Please explain ....!!!! I hope the FTC can find the answer ...

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 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA STATEMENTS OF TRANSACTIONS XXXX XX/XX/XXXX & XXXX XX/XX/XXXX DUPLICATE CHARGES. XX/XX/XXXX {$120.00} & XX/XX/XXXX {$120.00} XX/XX/XXXX {$210.00} & XX/XX/XXXX XX/XX/XXXX {$230.00} & XX/XX/XXXX {$230.00} {$52.00} XX/XX/XXXX & XX/XX/XXXX {$36.00} XX/XX/XXXX & {$36.00} XX/XX/XXXX {$25.00} XX/XX/XXXX $ {$25.00} XX/XX/XXXX {$25.00} XXXX XXXX & {$25.00} XX/XX/XXXX {$24.00} XX/XX/XXXX & {$24.00} XX/XX/XXXX {$17.00} XX/XX/XXXX & XX/XX/XXXX {$15.00} XX/XX/XXXX $ {$15.00} XX/XX/XXXX plus {$9.00} XXXX XXXX XXXX XXXX = ALL DUPLICATE XXXX XXXX TRANSACTIONS = TOTAL {$810.00} DUPLICATE TRANSACTIONS NEVER RESOLVED WHY?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: GA

Complaint narrative:
The credit reporting agency failed to provide proof that these accounts should 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 explanation
Consumer complaint received 2020-03-17 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: GA

Complaint narrative:
In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. 
further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts 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 non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Last year on XXXX XXXX weekend a car rental agency did not credit my security deposit back. They had 2-5 days to put the funds back on my card. Therefore, I contacted the car rental agency who did not resolve my issue. Upon providing proof to the Bank of America credit card and many phone calls to your complaint dept. I was granted a credit and it was deemed that the car rental agency committed fraud. Almost a year later I am being billed the same amount. I feel that Bank of America is acting in a deceitful manner and after a resolution is made I will be looking to terminate my relationship with the bank.

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 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America began withholding funds from banking deposits for over a week and not make the funds available. This is a shameful practice during this time of difficulty. And I have my account with them for over 2 decades. And the check is issued by XXXX too - from an institutional account.

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Credit bureaus adjustment was sent by loan company to credit bureaus on XX/XX/2020 however they did not report to my credit until XX/XX/2020. My credit bureaus are still saying I am delinquent when I am not. I was in deferment and still am.

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 2020-03-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Credit bureaus adjustment was sent by loan company to credit bureaus on XX/XX/2020 however they did not report to my credit until XX/XX/2020. My credit bureaus are still saying I am delinquent when I am not. I was in deferment and still am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Credit bureaus adjustment was sent by loan company to credit bureaus on XX/XX/2020 however they did not report to my credit until XX/XX/2020. My credit bureaus are still saying I am delinquent when I am not. I was in deferment and still am.

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 2020-03-17 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: CA

Complaint narrative:
FRAUDELENT ACCOUNTS ON MY 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 2020-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NV

Complaint narrative:
I have had issues with Sallie Mae since I was in school. Disbursements wouldnt come out in time etc. Since graduating, I now owe more than what I originally signed up for. Sallie Mae does not disclose certain stipulations with their payment arrangements and it is negatively affecting my credit. Most recently, I noticed a payment of {$480.00} did not come out of my bank. I DID have the funds available in my bank. So I gave it a couple business days and I called XX/XX/2020 to arrange my payment. The representative said the issue was that there was no payment information online. But I told the representative that the last person I spoke with already gathered that information. She told me that was not true. So she took my payment with my bank card and asked me for my checking and routing number for future payments. The money is taken from my account, but to my surprise, I am getting spam calls and emails saying I am delinquent for {$1800.00}. I tried to speak with ANOTHER representative again to be basically called a liar. He also blamed me for this happening due to the fact that the {$480.00} was not taken out. The payment wouldve been successful if Sallie Maes representatives were truthful. He would not stop speaking over me and eventually he ended the call. This is not right. Sallie Mae is scamming me and it keeps on happening. I dont know what to do and I am seeking out a lawyer now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
I had to leave my employment due to an injury. So obviously I started getting behind in payments. My loan company has been XXXX  with me and particularly the specific person assigned to my case. He ignores calls, doesn't return messages, ignores emails, and is very rude an unhelpful. He sends me documents through email in a security portal that he has locked me out of. But continues to send them there. I think they are messing with me to cause a foreclosure or something. I tried to talk to another person in the office and he was so mean I was shocked. They offer me solutions but then ignore me so I can't get one going. I have looked up this company and they have terrible reviews. They bought my loan a few years ago so I had not choice to deal with them. I think they are just buying time so they can foreclose on my house. This has been going on for months. I am getting really scared. Is there anything that can be done? These people are horrible. They are going to keep XXXX  with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: NY

Complaint narrative:
Not my items reporting

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 2020-03-17 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:
In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. 
further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts 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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. 
further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: LoanCare, LLC
State: CA

Complaint narrative:
I have a mortgage from LOANCARE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called LOANCARE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and LOANCARE with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2019 and 30 Days Late in XX/XX/2019. There was an error on their part. I was never 30 days late on these two occasions.

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 2020-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please refer to attached letter that outlines our efforts to refinance with Wells Fargo. 
We were led to believe that our loan would be refinanced through regular lender department but we are now being directed to the Hardship Program

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