vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I never wanted or asked this company to take over my loan. I have a lot to say. For the record the previous cfpb complaint did nothing to address my issues and as they cotninue to bill me prop preservation costs when they are needless, they are against NJ law, and they know or SHOULD know i am in my home i am preparing to head to court. This company has a bad record. I know these little mom and pops like XXXX try to get away with things. And Fay is no exception. While my loan was transferring i sent a bunch of certified mail requesting personal service. I have gotten no response, no statement of account as I requested from Ms XXXX. Who by the way has not returned any of my phone calls. XX/XX/XXXX you billed me a property preservation cost no one came here, NJ has just asked all these fees to cease and i know this is a needless and legally questionable fee that banks bill even when they know i am in the home. Especially given i am not getting the help i call and write for this is questionable more than that despite what may be in the loan agreement, you know or should know i am in the home and i will not pay the fees. I know my rights, the case laws and court decisions regarding this issue. I received a letter not a phone call from Ms XXXX which i requested asking for info I have given to XXXX XXXX for a loan deferral. You keep billing me needless legally questionable property preservation fees when they are not necessary but no one has gotten back to me except XXXX XXXX who does not call me when i ask him to. I asked to make a payment from Ms XXXX she never called me with an update or to take my payment. I ask to be called at a certain time. 
you can fight me on the fees but if need be i will sue in small claims court with case law in hand. No inspections needed you know i am here you know because i have written called and no one responds. No one was here XXXX nor is there a reason legally viable to ccome here. there is no give me info i need to complete my review which i do not have. I asked to be called after XXXX XXXX  eastern so i can pay the mortgage only. 
this company has a rep of taking advantage of peole i see that it wont happen to me. 
i want my review to go forward. period. i will pay no fees. No communication which is required by law BEFORE an inspection occured. I also need cease and desist on my account. I will never pay any fees NJ has called for banks to cooperate during this time i need to know if this bank or whatever you are is on board. I will pay no fees. i will take you to court before i do. No answer like its in the loan will address this. I AM IN THE HOME YOU KNOW WHAT AS SUCH NO NEED FOR INSPECTIONS FURTHER I CALL AND WRITE AND GET NO RESPONSE AS TO WHAT IS NEEDED TO FINISH REVIEW WELLS STARTED. STOP THE LEGALLY QUESTIONABLE INSPECTIONS I KNOW MY RIGHTS AND WILL GO TO END OF EARTH TO PROTECT THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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 — Their investigation did not fix an error on your report
Company: Sterling Credit Corp.
State: NJ

Complaint narrative:
I have already resolved the payment with Sterling Credit Corp as of XX/XX/20, but the payment of {$730.00} still appears on my credit report. Sterling Credit Corp tells me to call XXXX XXXX XXXX XXXX to remove it from my credit report. When I call them they tell me to call Sterling Credit Corp . I can not get to anywhere, nobody is trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My Mortgage was transferred to LoanCare on XX/XX/2020 from XXXX XXXX XXXX  ( XXXX  ). My Mortgage payment was sent electronically by XXXX on XX/XX/2020 and paid {$1800.00}. Delivery time was 2 Days, Transaction Number XXXX. The Account number that was used was the old account number under XXXX # XXXX, because they never sent a new account number number until I had already made payment. I think everything is fine until on XX/XX/2020, I start receiving calls that I have not made my mortgage payment. I call LoanCare and explain, that I made my payment, and provide details. I keep getting telephone calls. I go to XXXX, and request proof of payment and email it to them. They assign it to to a research analyst and ask for 48 hours. During this time I still get telephone calls to call LoanCare. I sent another email with proof again and they assigned another research analyst. I call again and am able to get through on XX/XX/XXXX and am able speak to XXXX at XXXX for 53 mins and explained the problem. They had posted my payment to another account. My new A/C is XXXX. They were able to apply my payment to my account. However, the payment is posted to my account on XX/XX/XXXX, not when they received it. She told me not to worry. I said that is unacceptable ; I paid on-time. That needs to be corrected. I have sent emails and they have not corrected.

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 2020-04-01 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I received a called from XXXX with First Source today XX/XX/2020 around XXXX XXXX I've never heard from this company via mail.They are stating the debt is coming from a XXXX XXXX account I use to have. I'm not currently working but 2 days a week and I have rent, car loan and bills to pay. XXXX with First Source refused to send information via mail. We're dealing with a pandemic and this company is harassing me. I'm trying to figure out how I'm going to make it day to day and this company is calling and bothering me. First Source hadn't sent anything in the mail. How do I even know the bill and amount is valid. Please Please and please do not harass me via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

This my 3rd attempt to fix this issue with EQUIFAX and I am more than prepared to take the next step which take them to court and sue for all punitive damages that this has caused me. The Following accounts are FRAUDULENT and have been proven to be Fraud and per the FCRA section 605b should been blocked and or removed from my credit reports which EQUIFAX lied and claimed they had done. My scores are XXXX  XXXX XXXX  XXXX EQUIFAX XXXX ... .the disparity between the 3 bureaus clearly exposes EQUIFAX and their shady credit reporting tactics and failure to follow in set forth : XXXX XXXX ACCT # XXXX {$5800.00} XXXX  XXXX XXXX  XXXX ACCT # XXXX {$200.00} They reported XXXX  XXXX late after showing the account as closed and now they are reporting it as an active account with a {$200.00} balance ... I have never had a XXXX XXXX   XXXX account!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US  DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Department of education/ Nelnet has been reporting false information to my credit and also trying to collect on several accounts that do not belong to me, I have mailed letters to them and also the credit Companies with no resolution. I have also requested verification from both parties and no legitimate documents have been sent to verify that these account belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Im not signed up for overdraft protection with my bank ( Bremer Bank in Minnesota, ) so I shouldnt be receiving overdraft fees. Ive complained about this to the company multiple times, reported them to the CFPB and again theyve hit me with {$70.00} in overdraft fees. This is a bad faith effort to take money from the poor on their part. I dont need to be called about this I just need a refund and an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was recently contacted about refinancing my mortgage with Quicken loans. I did not give permission for my credit to be pulled. They did so anyhow. They refused to fix the hit to my credit. All the did was " apologize for the miscommunication ''. Communication takes 2 parties. I was one of the parties. They, essentially, blamed me for their very poor practices and disguised it as an apology.

They also asked me to give permission to run my wife 's credit. That is illegal. I did not give it, neither did she. Then, like me, they ran her credit without her permission. These two instances happened with two di
fferent Quicken representatives. To me, it shows they're training or pressuring representatives to act illegally, in bad faith, and without consequences. These marks on our credit reports should be removed and Quicken should be punished for their poor practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion had my previous score a month ago at XXXX. It now has been dropped to XXXX. A 140 point drop. And they can give no explanation why. Transunion needs to be investigated for unlawful manipulation of credit scores. In a time where people could use some help these people don't give a XXXX about no one but themselves.

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Hello Ive been an outstanding consumer of bridge crest. I had 2 vehicles at one time, paying off faithfully. Bridgecrest Website shows inaccurate information. It stated no payment due, then will change without notice. I have attached proof of their faulty site. Which shows XXXX due yet {$210.00} was due. Once I found out their website was faulty, I called and set up payment arrangement with rep. The loan company reported me late 3 times on my report XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXwhich is incorrect, I never was late for these dates. I made the agreed upon payments. I have since brought the accts to being current, even paying one off in full. Ive called the auto loan company5 times, wrote in, and disputed with credit bureaus. but nothing was changed. I am trying to buy a house and this is the only thing holding me back. Thank you for taking the time out to read/help with this devastating time in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
hello, XXXX XXXX  XXXX  ( XXXX XXXX XXXX XXXX XXXX  ) I disputed this debt last month but never heard anything. Since then the collection lawyer has sent my employer a wage execution, first this is embarrassing and second, i have tried numerous times to reach out to XXXX XXXX XXXX XXXX XXXX  when i was first notified again last month. i called everyday leaving a detailed message and not one return call. the name of the debtor is XXXX  XXXX  XXXX, who i have no idea who this is. the paperwork, does not give me the name of the original debtor, original date or any documents to prove this is mine. they are also using my married name XXXX from XXXX  and i was divorced in early XXXX. i have never ever used that name. I have also recently checked and cleaned up all 3 of the credit company and this debt is not on there any where. i even called and spoke to a customer service rep at XXXX XXXX and they couldn't find anything either. i already have my wages attached and i told them this via voice mail when i called and they still send a order to my employer. i am disputing this and they still are sending this to my employer. what am i supposed to do? i need proof this is mine, i need all harassment to stop while this is being disputed but they are not listening to me. i cant resolve something if i do not know what i am resolving. 

please help me. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I used Google Pay to request {$100.00} from my mother. Both transactions were deducted from her account. The transaction on XX/XX/2020 was funded from her bank account and the transaction on XX/XX/2020 was funded from her Google Pay balance. Because the transfers go directly to my debit card they are usually instant. However starting with the transaction on XX/XX/2020 the transfer never appeared in my bank account. I reached out to Google Pay and my own bank to see what happened and was told to wait up to 5 business days. However the payment never appeared and the same thing happened to the payment sent on XX/XX/2020. I reached out to Google Pay multiple times only for them to initially try to blame my bank but finally admit that the issue was on their end on XX/XX/2020. Google Pay has claimed they are working on this issue but have no date of resolution despite two separate {$100.00} transfers that have now gone missing. When Ive checked XXXX, it appears this is a widespread problem with Google Pay starting on XX/XX/2020. I would like Google Pay to either release the funds to me or to refund the sender immediately because holding funds without authorization for two weeks is ridiculous especially when this is clearly an issue with their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX through XXXX 2020. Several banks made more than ten hard inquiries to my credit report and badly affected my scores. 

I have severally tried to reach them but in vain or directed to seek help from this platform. I want to clearly state that i did not authorize those banks to run my credit and neither did i authorize XXXX XXXX to do so. All they did confirm and assure me was that nothing was going to be reported.Then hurriedly the salesmen took me to head of sales department where i was severally told to append signatures under duress without reading with excuse that it was going beyond office hours and promised they are not going to run any inquiries on my credit since if i was paying cash and yet i was not interested in buying any car. 
I was unemployed and had not started any job but they went further to report i work for the company i do not work for. 

It is in bad faith to be involved in such business without my approval and i strongly condemn this kind of acts and request your dispute resolution mechanisms get to the bottomline of this coney theatrics and get my names out of those hard inquiries. Sales is a good thing but properly done with a clients approval to go ahead. Thanks in advance.

Company response to consumer: Closed with explanation