vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I fell behind on my mortgage XX/XX/XXXX and applied for hardship relief with Fay Servicing on XX/XX/XXXX. I was denied assistance by Fay due to " not having sufficient income '' or because " the target payment could not be reached ''. When asked what the income was that Fay calculated to make that decision, they said it was a limited review an they did not verify my income, they simply honored the income I listed on my application of {$3000.00}. If my mortgage payment is less then a 1/3 of my income, how is there nothing Fay can do? 

This covid19 global pandemic has caused me to fall behind and now Fay is saying I must reinstate or move out of my home. The audacity of forcing someone who has income to pay, out of their home is absurd. These financial institutions continue to take advantage of us middle class people. I showed Fay that after my mortgage and all expenses were paid, I still have some money leftover. I have been wrongfully denied and there should be a lawsuit against Fay for wrong doing during a global pandemic. I have attached the same documents that Fay used to determine I don't qualify for assistance to further support that I have demonstrated a good financial situation allowing me to resume my payment. They would rather foreclose on me than to take my monthly payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I've received an email from a collection agency, XXXX XXXX stating there will be a lawsuit for an extensive amount of money of over {$2000.00} for a debt unknown to me. They're representing the company named Speedy Cash, which states there's a balance of {$900.00}, which I've never borrowed. I've never borrowed over {$300.00} and if I did borrow anything from them it was over 9 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Law were violated by equifax, XXXX and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( XXXX, equifax, XXXX ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports. 
( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy. 

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is obscene. 
on date XX/XX/2021 letter were forwarded to transunion equifax and experian stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by XXXX, equifax and XXXX and i also demand a deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a bankruptcy thats reporting to the 3 credit report agencys that XXXX is giving them false information on my report and I told them that this a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a charge for {$660.00} from XXXX that I didn't authorize nor was under my name. 

I discovered it on XX/XX/XXXX and filed a dispute with my bank ( Citibank ), for which they provided me a credit. 

On XX/XX/XXXX, the credit was reversed, and the bank claimed that the charge was actually authorized. I don't know who got my card information because I didn't authorize any transactions from XXXX on my account, I already spoke to the merchant and I thought speaking to the bank would be a solution ; unfortunately Citibank lacks quality when it comes to Customer Service over the phone, and they're not able to provide a solution. 

Please help me get this fixed and my money back. 

Thanks.

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 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: PA

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Access Receivables of NC Inc.
State: FL

Complaint narrative:
they started contacting me last week about a debt some company owes XXXX. I advised them that i was not that company and tat they should stop calling and e mailing me immediately. yet they continue to call a number that is on the do not call list and continue to e mail me after i have repeatedly advised them via e mail and when they call me that i am not the person they are looking for they told me quote we will haunt you till this is paid and we don't care what you say or do we will not stop calling you .... They have also been threatening my credit score and my access to credit. since i have near perfect credit this is most distressing. I am over XXXX and XXXX and worked very hard to ensure i have great credit. to have a company like Access Receivables Management threaten to destroy me and my credit is very distressing. the account number they are calling and e mailing about is XXXX Access Receivables Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

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 2021-04-01 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: TX

Complaint narrative:
I sent a letter to the bureaus about some items on my credit report on the 3rd week of XXXX that I don't recognize and I wanted to validate if they were mine. I haven't gotten a response from them after 30 days so I sent them more letters to give them a chance to get back to me and verify the information they put on my report or else they would have to delete it. I take my credit seriously and it has a huge impact on me and according to the FCRA their failure to respond to my disputes is a violation of my rights.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Will did not remove incorrect info on my credit report even after I've given them proof that my personal information has been compromised.

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 2021-04-01 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM Financial is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt on there and I do not owe this debt. This car should have been completely covered with my GAP insurance. I submitted the paperwork a while ago and haven't hear back from GM Financial. They however, continue to negatively report on my credit. This needs to be removed and you need to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX  Bankruptcy-XXXX Chapter XXXX  Bankruptcy-16XXXX Chapter XXXX  Bankruptcy-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX requested mortgage modification of the terms and conditions my mortgage interest rates due to lack of affordability with the changing interest rate terms from of 2 % to 3 % due to financial hardship. On or about XX/XX/XXXX I was grant forbearance on past due amount of approximately {$3500.00}. On or XX/XX/XXXX was granted or approved for trial modification in the amount of approx. {$1100.00} for three months. On XX/XX/XXXX I rec 'd the new mortgage modifications with new terms and conditions with the same terms and condition of the original mortgage with step rates which is designed to increase my interests on first 12 month 3 % to 3.5 %, and on the 13 month and 3.875 % on the 25 month with a balloon payment of XXXX at the end of the new maturity date of XXXX. The new terms and conditions drawn up and provided by SPS Servicing Inc are not reasonable affordable and thus not sustainable terms and conditions. A more affordable terms would be to maintain my mortgage interest rates to remain at 2 % for the terms of the loan to the maturity date of XX/XX/XXXX which will make the mortgage payment more affordable. I am requesting the agency review the matter in more details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TX

Complaint narrative:
I have attempted to dispute erroneous accounts on my credit reports with Equifax, XXXX, and XXXX. I have sent many letters with no response from the bureaus. This is a violation of the Fair Credit Reporting Act and the erroneous accounts must be removed. I have attached the last round of letters sent along with the certified mail receipt numbers for confirmation that the bureaus received the letters. 

Certified mail receipt numbers XXXX Equifax XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc.
State: PA

Complaint narrative:
I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof of both these accounts : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

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 2021-04-01 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: EOS Holdings, Inc.
State: UT

Complaint narrative:
EOS is reporting an erroneous debt on my credit file. I recently checked my credit file and noticed this debt was reporting on my credit. I immediately called and settled this debt with them. I had no idea that this was on my credit, I never received any calls or notices about this. This violates my 30 day right to disputes under the FCRA. I ask that you delete this account from my credit file. I am also aware while this account is under investigation all collection activity must cease. If you continue to report false information on my credit file, it could constitute fraud under both federal and state laws. Please remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This is unknown and I know I do NOT owe nor is this mine, I have disputed etc and it is still listed on my credit file. I need some help Account listed Capio Partners {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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 XXXX, I sent the bureaus a letter about disputing incorrect information on my credit report. I haven't heard from them in a month so I sent them 2-4 more letters in XXXX and XXXX to have that information verified and proof that those are mine. Up to this date, I haven't gotten a response from them and I know that according to the FCRA this is a violation of my rights and they have to respond within 60 days after they received my letter. I take my credit seriously and will do the necessary legal actions if this is not solved as soon as possible.

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 2021-04-01 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 XXXX, I sent the bureaus a letter about disputing incorrect information on my credit report. I haven't heard from them in a month so I sent them 2-4 more letters in XXXX and XXXX to have that information verified and proof that those are mine. Up to this date, I haven't gotten a response from them and I know that according to the FCRA this is a violation of my rights and they have to respond within 60 days after they received my letter. I take my credit seriously and will do the necessary legal actions if this is not solved as soon as possible.

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 2021-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ND

Complaint narrative:
I have never dealt with this company but they keep sending email threatening to sue me in court and holding my ssn from the goverment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
Hi, I have a service by XXXX XXXX XXXX for an amount of {$840.00}. I have given the clinic my insurance card at the time, which was XXXX-student resources XXXX XXXX, XXXX, Texas XXXX. The clinic has never sent the bill to my insurance, instead they have sent it to the wrong insurance XXXX address in XXXX XXXXXXXX XXXX, Georgia, which is a completely different entities. They have made the mistake, and I should not be penalize for this. I have talked to all parties involved, including OAC XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX ) XXXX. I explained the situation to them, still refused to take the charge out of my account and continue to hurt my credit. 

Thanks 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 2021-04-01 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I tried to go online to report misinformation on my credit report to Equifax. There is a collection reporting on my report twice for the same account. I had it disputed and removed last month but it appeared again on my report this month. Trying to dispute it online for the second time it said I was locked out on my account and had to call them. After getting completely frustrated by the automated system I was finally able to get someone on the phone. The representative took all of my sensitive information then asked me 2 impossible questions to answer as there are multiple answers to both. This then got me locked out of my account. Now they expect me to mail more sensitive information to prove who I am because their system and employees can't get into the account. This is a ridiculous practice as they couldn't get me unlocked or back to an online status to be able to file online! Yet I'm expected to give even more information for them to XXXX up me account! These people are allowed to have access to people 's credit reporting?? They can't even help you over the phone or online! Expect you to keep jumping through hoops to prove your identity over questions with impossible answers because there are possible multiple responses!!! Get it wrong and now you are out until you do more!! What good is it to have a call center to help then!? This is UNBELIEVEABLE to me!!!!!! Online it gives you options to choose from but over the phone it's guess the answer and hope you're right or get locked out of your own account until you provide all this paper information and pay for the postage while you're at it?! There has to be some sort of standard because I had the same issue with XXXX and XXXX  yet it was not this difficult to clear up!!! Nor have I had these issues getting into my own file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Alexander & Associates, Inc
State: PA

Complaint narrative:
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Copy of Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation