vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
Security national servicing Corp. Has proceeded to Illegal foreclosure. SNSC is debt collectors as specified in disclosure of " notice of transfer of mortgage servicer '' effective XX/XX/XXXX. But intentionally misrepresent and threatened foreclosure lawsuit on " time barred debt '' as noted on transfer notification as loan matured on XX/XX/XXXX. 

Not a single notorized or executed by bank 'lender officer. 
Trustee is also a debt collector. And failed to even acknowledge the qualified written request. 

Multiple " beneficiaries '' in attempt to confuse and lacking any transparency. " XXXX default services '' trustee sale ''. There's not a single " executed notorized document that reflects legal standing authorized to foreclose. 
XXXX is also debt collectors conspired with SNSC for illegal Foreclosure and false statement. 

Now I'm being evicted out of my home. I've been on XXXX since XXXX. 

As stated my new " lender '' creditor is " XXXX bank as trustee for XXXX XXXX series trust. Which is registered with SEC and then to illegally foreclose on my property which is securities fraud. 

XXXX dated XXXX. Still yet to be acknowledged. And collections without a license. 

Knowing my limited XXXX income and taking the corona virus as an opportunity to make financial gain by falsely recording of illegal documents. Third co-CONSPIRATOR is " XXXX XXXX XXXX '' whom issued me the title insurance '' on an predatory loan dated XX/XX/XXXX ) no trustee as stated on policy. And the alleged " deed of trust '' is completely documentation fraud. Please see ( page numbers located along with my initials ) and my signature is added on completely separate page with only my signature. Which was never signed on any deed of trust. 

My original loan was from XXXX XXXX. ( I have disclosure from thwm stating my mortgage would not be transferred dated XX/XX/XXXX ) bait and switch. And there is no chain of title that could authenticate and authorize this illegal collections ans foreclosure. 

I'm being evicted ( please advise how to proceed ) and needless to say my health condition is taking it's toll. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 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: DriveTime
State: FL

Complaint narrative:
Inquiry appears on my credit report and have reached out to DT Credit by mail on XX/XX/XXXX where they never responded. 

Called ON XX/XX/XXXX DT CREDIT and they stated they can not remove the inquiry that only XXXX Called ON XX/XX/XXXX XXXX and they stated they can not remove the inquiry that only DT CREDIT CAN. 

Inquiry XX/XX/XXXX I have no idea what DT Credit is and they do not provide me with anything and would like this inaccurate inquiry removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have worked really hard at turning my credit around and I finally got my credit to a fair instead of very poor and applied for a capital one credit card. Two weeks after using it transunion reported to credit karma and my score dropped 126 points, not to mention my bill wasn't due for 3 weeks or better. When calling capital one they say its transunion problem and to call them. Iv called 3 times now and they won't give me an answer. I was lied to by the second guy and was told I dont have a capital one card and it was a collection from XXXX & XXXX. Later in the conversation he said I had a balance for capital one? I said I paid it in full 3 weeks before due and I have no collection whatsoever and which is it? I dont have a capital one or I have a balance and he simply ignored me. Still dont have an answer why XXXX point drop for using the card. I shouldn't be punished for using my first card and wonder how many people they are doing this to? Very sad, very angry. My life dreams are on hold because of this.

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, California EDD deposited a total of {$1900.00} into my pre-paid card XXXX Bank of America account. On XX/XX/2021 I checked my EDD Bank of America pre-paid card balance and it showed that Bank of America withdrew {$1000.00} from my account without my authorization. I called them to let them know they had taken the {$1000.00} from my account without my consent. XXXX, the first Bank rep I spoke with said she wasn't able to view that transaction so she asked XXXX of the higher-ups to look into it. Next she transferred me to XXXX from the XXXX department to confirm security, and then XXXX transferred me to XXXX in the claims department. XXXX stated that I'm claiming that someone fraudulently withdrew {$1000.00} from the ATM. I corrected XXXX by stating that my account shows that Bank Of America took {$1000.00} from my account and I did not consent to them taking it from my account. XXXX asked me where my card is kept and I told her in my wallet at home. XXXX decided to freeze my card and said I should receive another shortly. She also said that within 10 business days I'd get a Fraud Claims form to fill out and after the claims department review it could take up to 45 days for them to decide if they will honor the claim. It is unjust for Bank Of America to keep my money hostage that they took without permission and deliberate if they want to pay back my stolen money in 55 days or more.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a letter from anytime fitness on XX/XX/2020 saying they were removing a collection amount XXXX {$260.00} ) from my file. I've disputed with transunion twice but as of today its still on my report and negatively affecting my credit score. Also in XXXX of 2020 I had over {$26000.00} in credit card debt. I've since paid it down to {$13000.00} but transunion has only raised my credits core XXXX or so points? This is ridiculous. The only reason these credit reporting agencies leave negative stuff on your report is so you have to spend several hours getting it off, so you repeatedly have to keep coming back to their website and viewing all their advertisements again and again. Because this collection debt is still on my report I've not been able t ok get a loan or other credit cards during this uncertain time of covid. Why are these credit reporting allowed to have so much control over me and taking care of my family?

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 2021-02-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2021-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
My lease ended in XXXX of 2019 with Acura Financial Service..also doing business as American Honda Financial. After completing the terms of my lease, I opted to buy my car Cash. I completed all the paperwork after buying the car in full and still have not received my title. Nearly a year after my account was closed, it was reopened with a new charger is {$100.00}. I requested, on multiple occasions for an explanation of the new charge and proof of my financial responsibility and for 2 years went in circles with no proof. I feel like it is a bougus charge. I recently hired a lawyer who settled with American Honda Financial for {$52.00} and my account was closed once again and still without a title! Ive paid over {$45000.00} for this car and can not trade it in or sell it because this company refuses to give me my title! 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I had withdrawn from XXXX XXXX XXXX before beginning my first set of classes for medical reasons. I disclosed this to the school and they successfully withdrew me. I had already received a few books and attempted to return them. They rejected the return multiple times and charged me over {$600.00} for these few books! Next thing I knew I was receiving calls and letters from Conserve attempting to collect this debt and charging me over {$800.00}, which is more than the actual balance! Then, without validating, they reported to the credit bureaus! I sent three certified letters requesting validation ( XXXX, XX/XX/XXXX, XX/XX/XXXX ). I received responses in XXXX and XXXX to the XXXX and XXXX letters. These letters did NOT validate, did not provide ALL that I requested, NOR clear evidence bearing my personal signature accepting ownership of the debt and the exact amount alleging owed. They reported to the bureaus before responding to my request for validation and are collecting an inaccurate amount, therefore not only inaccurately reporting they are FRAUDULENTLY reporting this debt to all three bureaus! I've now sent a fourth certified letter ( XX/XX/XXXX ) requesting deletion. I have yet to receive a response or deletion on my credit report from this final letter, nor the XXXX letter that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My student loan debt was transferred to Navient. I applied for an income based repayment and had a set rate of {$820.00} a month which was manageable. However, Navient continues to charge me an additional {$800.00} a month in " fees '' so in order to keep current and not have late fees, in reality my payment is {$1600.00} a month which is a struggle. And when I review the payment history, all of the payments have gone to interest only and nothing to principle. I will never be able to pay off the debt! When I have called to discuss they talk in circles and do not provide any reasonable explanations or options. I attempted to refinance with another company - but Navient does not have a full account number listed on my account ( has part of it blocked out - why?? ) nor is there any option to view a monthly statement - both of these are needed to apply to refinance. It just seems too sketchy to me especially with all the other complaints I have read.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: PA

Complaint narrative:
I XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are back tracking me from my goals.

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 2021-02-03 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: PA

Complaint narrative:
I XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are back tracking me from my goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TX

Complaint narrative:
I received a letter from anytime fitness on XX/XX/2020 saying they were removing a collection amount XXXX {$260.00} XXXX from my file. I've disputed with XXXX  twice but as of today its still on my report and negatively affecting my credit score. Also in XXXX of 2020 I had over {$26000.00} in credit card debt. I've since paid it down to {$13000.00} but transunion has only raised my credits core 10 or so points? This is ridiculous. The only reason these credit reporting agencies leave negative stuff on your report is so you have to spend several hours getting it off, so you repeatedly have to keep coming back to their website and viewing all their advertisements again and again. Because this collection debt is still on my report I've not been able t ok get a loan or other credit cards during this uncertain time of covid. Why are these credit reporting allowed to have so much control over me and taking care of my family?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.

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 2021-02-03 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: WA

Complaint narrative:
Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX, NC XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We have paid our auto loan with 6 deferred payments but our payments have been incorrectly applied to the 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 2021-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Paid off loan on XXXX  XXXX XXXX year ago, XX/XX/2020, and have still not received the electronic payoff, and my title under Florida Law within 10-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sold multiple items on eBay and ebay uses PayPal for sales transaction. XXXX has already made some funds from the sales eligible for withdrawal. However, PayPal asked held up all of the funds from the sales and is refusing to release any of them despite my calling their customer service. I have uploaded my government ID ( driver 's license ) and the receipts for the goods I purchased to put on sale on XXXX as they requested on XX/XX/2021. Per my conversation with their online agents which I have copies of stated that their team will get back to me in 3-5 business days once the documents/information has been provided. Today marks the 4th business day and I call the customer service manager who told me they will not review the matter until this coming Thursday on XX/XX/2021, which is past the 3-5 business day mark. And the worst part is that the customer service manager told me that on XX/XX/2021, they will then make determination whether to withhold the funds for an even longer period of time. They are withholding about {$7500.00}, which is not an insignificant amount, for no clear reasons. 

All of the sales I have made on eBay are legitimate and verified by eBay. But PayPal is withholding my sales funds from verified sales. I read through their policy for withholding funds here ( https : //www.paypal.com/us/webapps/mpp/ua/useragreement-full? locale.x=en_US # restricted-activities ) and I did not violate any of the published guidelines. This act of withholding without clear reason/violation is malicious and needs to be investigated/intervened. 

For example, PayPal 's own electronic system with attached transaction IDs and payment total stated that the funds would be available to me. But in fact, when I log into PayPal to try to make use of the funds, it is not available to me. I can provide more examples of this if need be. Please let me know.

Company response to consumer: Closed with explanation