vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I've contacted the 3 major credit bureaus on several occasions informing them that the personal information that they are reported on my credit report is incorrect and inaccurate. I have yet to receive any response or see any change and/or update to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Loan # XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX CC : Fay Servicing XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am writing in regards to the above loan. My loan was transferred from XXXX XXXX loan on XX/XX/XXXX to Faye Servicing..When the loan was transferred my monthly payment was {$1800.00} & We were not behind on our mortgage XXXX  XXXX XXXX  in fact transferred the last payment that we made on to Faye Servicing We did not have a negative amount in our escrow account We had been with Faye Serving since XX/XX/XXXX in that time we fell behind from XX/XX/XXXX till XXXX XXXX payment is {$1800.00} we were due for a total of $ XXXX of XX/XX/XXXX XXXX paid all payment due from XX/XX/XXXX to XXXX XXXXWe are now due for XX/XX/XXXX As of this date Ive tried on numerous occasions to reach Faye Servicing in regards to the error on the account & correct monthly payment, to no availThis correction needs to be made immediately Please see all attached documents I requested from XXXX XXXX XXXX, in regards to monthly payment & when loan was transferred Also Ive included please see attached list of all payments made amounts & dates Which will show we are not behind & have made all payments due.. 

Faye serving is insisting that we pay {$5200.00} a month without any explanation. 

From XX/XX/XXXX to XX/XX/XXXX Total amount monthly payment is {$1800.00} 4 months due of payments We paid all 4 months for a total of {$7500.00} We are due for XX/XX/XXXX Please review this account as this is an enormous error, that needs to be rectified.. 

Regards XXXX & XXXX XXXX Sent Via Email to Faye Serving Sent Via Certified Mail #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
As of XX/XX/2021 I have filed a complaint with GM Financial case number XXXX ( XXXX ) about a fraudulent contract that was received and accepted by XXXX XXXX XXXX XXXX XXXX This puts me and GM Financial in a litigation process. Since then GM Financial has repossessed my vehicle violating me under the FDCPA 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure. 
FROM THE CODE I HAVE PROVIDED YOU CAN CLEARLY SEE THAT EVEN IF I DONT PAY THE DEBT THEY ARE NOT ALLOWED TO REPOSSESS MY PROPERTY. They have hired an uninterested 3rd party by the name of XXXX XXXX XXXX to repo my vehicle while in litigation. I need this information for the purpose of using exhibits while in court with GM. I also need this exhibit to help with amending XXXX XXXX XXXX  to the case I asked them to provide me with the order for the repo all they gave me was the name of the Lien Holder which is GM. I have provided a Lien search Certificate from the Secretary of State of California and as you can see there is no Lien in my name. GM Financial and XXXX XXXX XXXX is committing fraud here. This isnt a duplicate complaint this is more information provided for the CFPB that the crime was in fact committed. I am demanding a response from GM on why they have repossessed my vehicle if federal states even if I dont pay they are not allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/2021 of this year. I had to file a police report due to the fact that my house was broken into. Upon examining what was taken I realized my wallet was stolen with my PayPal cash card, my drivers license, social security card and my laptop with all my passwords to my account, also some jewelry items I had at the time. Due to this issue I have dealt with a lot of issues with Identity theft. My PayPal account was hacked. My XXXX  was hacked. 

I contacted the XXXX Sheriffs Department, filed a police report and was advised to contact XXXX  to delete my account and that I would need to contact PayPal and inform them of any issues with my account and that they would investigate the issues surrounding the burglary. I was finally able to have my court case and the perpetrator arrested who unbeknownst to me was a neighbor who lived 2 doors down from me at the time of the incident. 

Working with PayPal I had to submit a claim due to activity showing money received by from the Department of Labor in XXXX State was being posted was then immediately transferred to multiple cards that the perpetrator had attached to my account. I immediately contacted PayPal again. 

I was able to change my email, phone number and information on my account and had secured my account. During this time from XX/XX/2021- XX/XX/XXXX I didn't have access to my account. After submitting my claim. I was informed to supply documentation supporting my claim. I supplied a police report and docs from the court. I was informed by PayPal a few days later PayPal closed the claim ( XXXX ) and I was refunded {$3700.00}. Due to the fraudulent activity PayPal has limited my account permanently to the point where I cant access the refunded funds holding me liable even though the claim was won in my favor. 

I contacted PayPal XXXX and was advised that they would allow me to add my card or bank to withdraw the funds. I have contacted support and was advised even though PayPal corporate informed them to add my card and/or bank so I would be able to access the monies stolen from me. That I would need still to wait another 6 months to receive my money even though I have waited for the outcome of this issue. This is unacceptable! 

Why should I or anyone have to pay for the acts of a criminal? All I want is PayPal to acknowledge that I did win my claim, remove the limitation on my account, allow me to attach my card, bank to transfer my money out to me or send me a refund by check and to close the account. I have attached a screenshot of the message showing the message received from PayPal stating they would allow me to have my funds and then the next minute say sorry you have to wait 180 days. I also submitted a claim to the XXXX XXXX XXXX *see attached*

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
I have contacted Equifax numerous times concerning Bankruptcy information on my consumer report and inquiries that i did not give written permission to be performed. They have violated me according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681q. Obtaining information under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a list of inquiries reporting to my Equifax account that are false and doesnt belong to me. I have attached the list of inquiries that are stating to be opened on XX/XX/XXXX & XX/XX/XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I C Systems at IC System Correspondence XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$270.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
There is an old account still showing I owe and I settled and paid it. The credit bureaus are not complying. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I am in the process of selling my home. The title company and myself have made numerus attempts to get a pay off letter without any help. I am sent to close on XX/XX/2021 and if I don't get the pay off letter the sell will not happen and cause me major issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello so i went to open a account at Chase Bank on XX/XX/2001 and presentenced all required documents then was asked for my social security and told XXXX XXXX that i didn't have one and that it was not needed to open bank account so he went to confirm with manger XXXX XXXX about it and they both returned to say that they will not open bank account because my social security was not given

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
PARAMOUNT RECOVERY S ( which is a collection agency ) stated i open an account XX/XX/2021 which is false, I have no knowledge of this debt and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
On XX/XX/2021, in accordance of the law 15 U.S. Code 1692g - Validation of debts. I sent Best Egg a debt validation letter for an alleged debt. I also sent a cease and desist in accordance of the law 15 U.S. Code 1692c - Communication in connection with debt collection. Since that date I have received an adverse action against me according to 15 U.S. Code 1691 - Scope of prohibition. The debt was originally listed on my Consumer Report as a loan amount of {$25000.00} and on XX/XX/2021 it was updated by Best Egg to {$230000.00}. I have not received any communication by mail providing any validation information for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
Specialized loan servicing has misapplied my mortgage payment from XXXX, XXXX kept in unapplied funds to pay principal instead of my mortgage payment. 

Prior to a period of forbearance there was a partial mortgage payment of XXXX paid from my account on XX/XX/XXXX. This payment was put in unapplied funds and kept there until mortgage modification where this company then applied to principal instead of current mortgage payment. 

SLS claims this payment was part of the modification agreement, however I NEVER agreed to use my mortgage payment held in unapplied funds to pay principal.

In fact, I made it clear to the company that this payment was to go toward my mortgage after modification.

SLS has a history of misapplying my mortgage payments and then telling me I am wrong or did not make the payment. 

This company has participated in XXXX intimidation with a representative calling me a " XXXX XXXX XXXX '', ( which I filmed ) a consistent misapplication of funds and an attempt to short sale my house all the while I have paid my account on time. 

Please do not let this company steal my hard earned mortgage payments! It is against RESPA to apply mortgage payments to anything else BUT THE MORTGAGE. 

This company continues to take advantage of me as a XXXX, XXXX, veteran and XXXX. 
They must be stopped and held accountable for this practice of stealing homeowners money by subverting to unapplied funds. 

1 - See attached the bank statement from XXXX XXXX showing the partial payment. 
2 - See attached screenshot from SLS showing the payment applied to principal labeled " current interest and principal payment '' 3 - SLS response to CFPB with highlighted texts, admitting they misapplied mortgage payments from XXXX and reapplied to account with XXXX, XXXX adjustment demonstrating evidence of XXXX, XXXX partial mortgage payment.

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 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I looked at my credit report and seen multiple charges on there from various collection agencies. Upon further investigation I was informed that FCRA rights state that we the people are to give written consent for collections to be added to your report to give individuals an opportunity to dispute before anything is added to your credit report. I did not receive any paperwork nor did I give my written consent. I was not given the opportunity to dispute these collections before they were added. I have not determined if these charges are even valid however if any of them are it would also be a hippa violation as well.

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 2021-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/2021, I sent XXXX XXXX XXXX to Westlake Financial, in which they didn't respond. On XX/XX/2021, I sent Westlake Financial XXXX XXXX XXXX with the opportunity to cure ; still no respond which places them in default. I'd like to resolve this issue by providing me with the following : Title lien and free Account reported as paid on time & paid off to credit report XXXX out my balance Pay my invoice of {$59000.00}

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 2021-11-02 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In retaliation for submitting previous CFPB complaint regarding PNC Bank 's lack of concern or service regarding their allowing obvious fraud to be committed against me ( and still have not resolved beyond lip service ), PNC is refusing to re-issue bank card. Customer service remains unreachable other than one call in which I was immediately hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I went to the Bank of America branch in XXXX, New Jersey and told the teller that if possible I would like to take out XXXX XXXX dollars ( {$400.00} ). She said okay and gave me XXXX XXXX dollars ( {$400.00} ) in 4 {$100.00} bills.

Today I checked online with my Bank of America account only to be shocked that it shows a negative amount in excess of {$400.00}, including 3 {$35.00} overdraft charges!

Two major problems : One, the teller did not review my account before withdrawing the said {$400.00}!

Two, arrangement have repeatedly been made with the Bank of America for overdraft privileges against my credit card yet again I am being charged overdraft fees!

Three, the total amount here is {$500.00} which the Bank of America improperly and illegal and fraudulently took from my account. OUTRAGEOUS! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX  ( ret ) pro se PS : I am prepared to file a complaint in a Federal court of law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 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: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last complaint sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation