vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
XXXX transferred our loan to Fay Servicing unknown to us. We knew we were in default with XXXX  and submitted a short sale offer on XX/XX/XXXX on XX/XX/XXXX we received notice of a foreclosure date. We immediately called XXXX and they told us our loan had been transferred to Fay Servicing. Our agent and closing coordinator reached out and we did as well. We sent them the short sale offer and they did absolutely nothing! We went to foreclosure today and lost our home. I have a XXXX XXXX  and I could lose my job because Fay Servicing would not stop the foreclosure and accept the short sale. We did what XXXX asked and it did not work out. I know Fay Servicing in XXXX CFPB took action against them for failing to provide mortgage borrowers with protections against foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-18 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On Thursday XX/XX/XXXX I deposited two pay checks from my employer to my BECU account. I had previously opened the account a week prior. This is relevant because this is their reasoning behind them withholding funds from my access. On Monday, XX/XX/XXXX, I called to inquire about the status of my deposit. However apon calling BECU I was greeted by an extremely rude employee who told me that they would not release my funds and that I was going to have to wait 5 more business days because my account was too new. In addition to this I was told that BECU had put a note on my account to hold the funds for as long as they could and there was no way for their staff to assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: CA

Complaint narrative:
For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX  XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX   {$1900.00} XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$970.00} XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX   {$240.00}

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 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rodenburg LLP
State: MT

Complaint narrative:
XXXX turned me in to a collection debt company and I have signed an agreement to pay them XXXX a month. 
I mailed a check and sent it back to their lawyer office and just today they labeled me as an uncollected and loss to the company to XXXX. It lowered my credit score. What can I do to get it removed since I already started to pay it off with Rodenburg law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I don't know if I should file this complaint against multiple companies or if I should file separate complaints. One complaint deals with the original creditor and the collection agency trying to get double enrichment because both of these companies are citing this derogatory account on my credit profile. The vehicle in question was subsequently sold at an auction and I believe that this company owes me for a surplus of cash that they received from the vehicle. This company did not give me any of the prerequisite notifications before or after this vehicle was sold therefore I don't know how they came up with this amount of money that they claim I owe them but I do not owe them this amount of money, to the contrary I believe they owe me. They are refusing to validate this debt, they only sent basic verification information to the credit bureaus for A name and amount, but I specifically asked that this account be validated as an accurate and true. I asked for a list of items which they are refusing to give me, the original instrument of indebtedness in its original form, a calculation of deficiency amount including the fees and interest, a copy of the assignment a purchase from the Creditor with a full and clear title, bank statements proving late payments were deposited on a date, proof that the debt collector legally bought this debt and the amount the debt was purchased for, notice of sale, post-sale notice, accounting of surplus, disposition of collateral, repossession deficiency balance, right of reinstatement, right of default, certification of accuracy, they refused to give me any of this information that I requested. I'm asking that this account and all negative remarks associated with it you immediately removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-12-18 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: IL

Complaint narrative:
In XXXX I submitted a dispute to both XXXX XXXX XXXX, as well as Experian that an account showing on my credit report was not mine. I informed both agencies that the account on my report did not belong to me, and was an account due to fraudulent activity. XXXX XXXX XXXX acknowledged this as fraud and removed it from my XXXX  credit report, but it still remains on Experian as " customer disputed, it has been verified as belonging to customer ''. I provided an FTC identity theft report, as well as a police report documenting the account as fraud, as well as a utility bill showing that I was not, and had not ever lived at the address that was on file for the fraudulent account, along with, y current lease and lease at that time. Additionally, I provided XXXX XXXX XXXX with an affidavit, and again the account remains on my Experian credit report. The FTC has stated that once creditors and the bureaus have been notified of a fraudulent account and been provided the appropriate documentation that the account can not be reported

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 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
We had problems with an upstairs neighbor in an apartment complex in XXXX, CA
who was an undesirable XXXX XXXX and stayed up all night with visitors.  We tried to communicate with management and were assured he was an upstanding tenant.  We knew otherwise, felt unsafe, and as older tenants, needed to move.  Management said we could not.  Met with 2 separate lawyers who said, MOVE.  We moved out after giving notice, and did not receive our security deposit nor pet deposit back.  They took us to collection.  We are not responsible for living in a unit where we were unsafe.  Continue to get notices in the mail phone calls from TransWorld Collections, XXXX and the
alleged debt was put on our credit files.  Filed disputes with all credit reporting agencies.
My husband is XXXX XXXX and I would like this to stop, and sue the companies that continually harass us.  PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX  XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$240.00}

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 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: NM

Complaint narrative:
This debt is not mine. I repeatedly was called about this debt 3 years ago and everytime I ask for a break down of what they claim I own I never get anything from them. They flagged my credit twice in XX/XX/XXXX and they again flagged my credit two more times on XX/XX/XXXX and again on XX/XX/XXXX. Everytime the flag my credit the amount fluctuates I have already called sever times and never get anywhere with them about this debt that's not mine. I have spoke to this debt collection company in over 3 years I thought this was already removed until this month when they flagged my credit 2 more times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-12-18 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have requested multiple times that they stop calling me, but they persist on a daily basis - always calling from different numbers around the country so its impossible to block them. I warned them if they continued to contact me against my wishes I would file a complaint with the FTC and they still call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
In XX/XX/XXXX, I was pre-approved for a jumbo mortgage by Wells Fargo. 

Since then I have built a home. During construction I had a {$650000.00} construction loan and {$150000.00} bridge loan. I have been working with XXXX XXXX from Wells Fargo on getting the mortgage finalized. 

On XX/XX/XXXX XXXX was sent an email stating my intent to use proceeds of the sale of my current home ( " XXXX XXXX '' ) to pay down the bridge loan. 

On XX/XX/XXXX XXXX was sent an email stating that " XXXX XXXX '' sold and would close on XX/XX/XXXX. 

On XX/XX/XXXX XXXX confirmed a rate lock of 2.875 % on the mortgage loan. 

On XX/XX/XXXX We closed on the sale of " XXXX XXXX '' and used {$70000.00} to pay down bridge loan. 

On XX/XX/XXXX XXXX called me and said our loan was declined due to insufficient liquid reserves. 


I feel this constitutes as banking malpractice due to negligence. 

* XXXX was fully aware of my Wells Fargo account balances, XXXX balance and the proceeds of my home, thus XXXX knew we needed the proceeds to be used to cover the reserves requirement. 

* XXXX knew the proceeds of " XXXX XXXX '' were going to pay down the bridge loan * XXXX knew this would mean the proceeds would not be able to meet the reserves requirement, but did not tell us. 

* If XXXX would have told us, we would have not used the proceeds to pay down the bridge loan, and instead kept them in a savings account. This would have allowed us to be approved for the loan. 

* XXXX did not act in a professional manner, or look out for my best interest as a customer.

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 2019-12-18 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: CA

Complaint narrative:
Please refer to the attached XXXX report, page 3 of 4, indicating the deletion of XXXX XXXX, # XXXX has been deleted. Refer to the attached ID THEFT report also, and promptly delete this account Please refer to the attached XXXX report, page 3 of 4, indicating the sentence, The disputed item is not currently reporting on the XXXX  credit file. Public Record : Bankruptcy : XXXX. I have never filed bankruptcy. There should not be a disparity between what XXXX is reporting and your reported data. Refer to attached ID THEFT report also, and promptly delete this 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 2019-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I would like to file a complaint against XXXX College and Navient. I feel like the loan company is working hand and hand with XXXX College to scam people. I was tried to apply for college and was told I could not go because I was a minor. I was under XXXX years old. My mother is deceased and the school told me they had to get information from my dad. I do not know where or who my father his all I knew was his name. I am still unsure how I was able to get enrolled in the college. 
I do not understand how I was charged the tuition I have or the charges. I took out 2 loans. I was told if I continued my education that I would get XXXX from the school. Which I never received. The school is charging all kind of fees, that people are not a ware of. I called the school today around XXXX XXXX and spoke with XXXX. He told me to email the school to receive a print out of all of my charges. Why do I owe the school money and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-18 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TN

Complaint narrative:
this is my report # XXXX I am disputing for the past 6 months a medical collections from a collections agency Transunion delete 3 accounts but make a re-insertion wihout any notification ( FCRA REQUEST A WRITTEN NOTIFICATION ) my dispute request a HIPPA AUTORIZATION FROM THE PROVIDER AND THE COLLECTION UNTIL TODAY all my attempt to fixes this issues was ignored

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