vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
Fay Servicing LLC has not applied our monthly payments to our loan correctly in XXXX. In XX/XX/XXXX, our payment went up {$200.00} due to low escrow fund balance, which was not communicated effectively nor were we provided the opportunity to make an additional payment to bring the escrow up to the " proper amount '' and keep payment at same amount as arranged previously. We received a " notice of Default '' for XXXX, XXXX, and XXXX payments which were not applied to correct months. This was quickly rectified by sending in additional payments as a short-term solution. This was handled very unprofessionally by account management including Assistant and Vice President of Fay Servicing. From XX/XX/XXXX through XX/XX/XXXX, payments were received however funds were placed into suspense account still. Since the past four months have NOT been applied correctly to our loan, funds did not get applied to escrow account which fell short for year-end total to pay property taxes and now my escrow account is - {$600.00}. Also, because funds were not properly applied to our loan, the interest was not paid correctly for much of XXXX so the amount which is provided to IRS is not accurate. Through many, MANY hours spent making MULTIPLE phone calls talking in circles with unhelpful " supervisors '' who have not yet solved this year long issue that has caused so much emotional stress to our family. Fay Servicing has had 12 billing cycles to correct these errors but has not yet corrected this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment by being a cosigner, and was informed by their management that my credit was horrible. I pulled my credit report and seen accounts that did not belong to me. PLEASE DELETE THESE ACCOUNTS. 

XXXX XXXX XXXX  XXXX {$19000.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} BANKRUPTCY CHAPTER XXXX - DISCHARGED XXXX {$0.00}

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 2020-01-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment by being a cosigner, and was informed by their management that my credit was horrible. I pulled my credit report and seen accounts that did not belong to me. PLEASE DELETE THESE ACCOUNTS. 

XXXX XXXX XXXX  XXXX {$19000.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} BANKRUPTCY CHAPTER XXXX - DISCHARGED XXXX {$0.00}

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 2020-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express asked for a settlement and stated that they would remove the debt from my account if I paid a certain amount ... when I called after paying they said there was nothing they could do ... They mislead me and started over the ages account which was over 7 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please, please investigate Equifax Inc. 's practices! Please see my previous complaint - XXXX. After submitting my online dispute through Equifax and selecting the " I am no longer liable for this account. '' option, I explained to them that the accounts are greater than 10 years old and that there has been no payments or activity in more than 10 years. Equifax has notified XXXX XXXX that I said the account was fraudulent. I received a letter today from XXXX XXXX saying that my claim of fraud has been found to be untrue and that there are no signs of fraud. Just by coincidence, I received a call from the other company XXXX XXXX ( XXXX XXXX ). At XXXX XXXX, XXXX, from the Credit Bureau dept. called from XXXX. She was returning my call from XX/XX/20. I told her that Equifax was refusing to remove the credit inquiry. She insisted that they have to do this. I was finally able to view the status of my 3 disputes online. It appears that Equifax may be changing the dispute reasons. I never said that any of the reportings were fraudulent. I have indicated on each dispute, month after month, that the accounts are old and need to be removed. XXXX  XXXX states " We've finished our investigation on your fraud claim. Our research found no signs of fraud ... .If you have any other questions, please give us a call at XXXX ''. The extension is XXXX. How is Equifax allowed to tamper with their customer 's disputes? How is Equifax allowed to treat customers this way. Is there any organization that can investigate this company and make them abide by the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX  XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID  number XXXX {$4800.00} paid XXXX XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from XXXX XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly, to the point that is has stopped me from being able to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I obtained insurance on XX/XX/2018 {$280.00} because I needed to purchase a vehicle. made an additional payment on XX/XX/2018 for XXXX. I called to cancel the policy shortly after and on XX/XX/20118 was refunded {$150.00} and then {$4.00} My account was credited because XXXX was asked to cancel my account. There was no amount owed. I called back on XXXX and stated this via telephone. Now they are saying an amount is due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: MN

Complaint narrative:
MoneyLion is a scam. I had gotten approved for a {$500.00} dollar loan, to build my credit, I also had an investment account with them, they wont allow me to even pull my money from this account. Ive Been paying my loan and they emailed me saying I havent and I owe {$80.00} dollars and if I dont pay the XXXX they will charge me {$200.00}, I only have XXXX left on my loan..and Ive been paying XXXX dollars every other week. So I dont get how I owe them that much. I even have proof showing Ive been paying them. Many people have complained about them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Kohls asked for a settlement and stated that they would remove the debt from my account if I paid a certain amount ... when I called after paying they said there was nothing they could do ... They mislead me and started over the ages account which was over 5 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: IL

Complaint narrative:
I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.

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 2020-01-27 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: IL

Complaint narrative:
I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point.

3- I can't take any loan because of the big decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX lending, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point.

3- I can't take any loan because of the big decrease in my credit score.

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 2020-01-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
thd ftc or fair debt violation transunion is reporting the inaccuracy

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 2020-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Called Carrington mortgage about reserve requirements for escrow. The company refused to remove reserve requirement on account. Im requesting refund on cash reserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
thd ftc or fair debt violation XXXX is reporting the inaccuracy

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 2020-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I was prequalified for a Mortgage by Quicken loans via Rocket Mortgage who engaged in deceptive business practices upon issuing an adverse decision against me after I was prequalified for a Mortgage. It is my good faith belief that the Lender violated RESPA, because I conveyed that had not yet found a Real Estate Agent who was a good fit. An Agent name XXXX XXXX was asked by XXXX to show me a property. XXXX lied and said that the property was under contract, with the intent to force me to look in XXXX County, ( A property where she probably has a location to sale ). However, I had my own living preference for work/lifestyle. So because I was taking my time and being careful with whom I selected as an Agent. The company sent me an adverse letter with the intent to discriminate against me upon taking action against my prequalification in violation of The Fair Housing Act ( FHA ) and the Equal Credit Opportunity Act ( ECOA ) protect consumers by prohibiting unfair and discriminatory practices ; and RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO TRANSUNION THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XXXX XXXX XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. XXXX IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY RE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.

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 2020-01-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO EXPERIAN. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX  THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY CAPITAL TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX  THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XXXX XXXX XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. XXXX IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY XXXXE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.

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 2020-01-28 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
while looking on my credit monitoring site I noticed it was two accounts that do not belongs to me they are 1.convergent outsourcing in the amount of {$470.00} 2.XXXX XXXX   XXXX  in the amount of {$450.00}

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 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
This paid debt was held by XXXX XXXX XXXX who sued on behalf of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX filed a Satisfaction of Judgement then sold the debt to XXXX XXXX, XXXX on or about XXXX. 

XXXX XXXX was supplied with a certified copy of the Satisfaction of Judgement and then sold the debt again to XXXX XXXX XXXX who has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX has called my cell phone through ( I believe the following numbers, as I no longer answer my phone due to fraudulent debt collection attempts ) XXXX XXXX XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX ( 3 ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( 2 ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  I've attempted to hire an attorney, I can not afford one nor will an attorney take the case and be paid upon completion because it is under 50 calls ( XXXX XXXX XXXX ). 

XXXX, XXXX, XXXX XXXX XXXX, XXXX has sent me a letter stating " As you know, XXXX XXXX XXXX, the current Creditor-Debt Purchaser, has purchased the account referenced above. A judgement was entered against you in this matter on XX/XX/XXXX. '' They fail to mention that the Satisfaction of Judgement has also been filed XX/XX/XXXX. If I were a " less sophisticated individual '' this would lead me to believe that I still owe this debt. 

What sucks is I can't afford to sue XXXX XXXX nor the current owner and law firm attempting to collect on a satisfied debt. Hopefully, at least you can do something about this ... I can't. 

I have also posted a copy of the Satisfaction on XXXX ( XXXX XXXX XXXX ) LinkedIn site and also on XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX clearly viewable on a public forum, in the same manner as was the custom in newspaper days. 

I'm not looking for legal advice, I couldn't afford to take it, but surely they can be fined or something for continuing to sell paid debts and trying to collect again on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Card contacted me on XX/XX/2020 to inform me they needed to obtain my tax returns along with other personal info to verify my information, they would not tell me why. I called them back and all they said was just sign the release with XXXX IRS form 4506-T. I refused and closed both of my accounts because if i had not they were going to close my accounts instead. I feel like this is unfair practices against me.

Company response to consumer: Closed with explanation