vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
I called XXXX  on or around the time I contracted XXXX XXXX and my job was affected. In XX/XX/XXXX I spoke with XXXX different supervisors on a recorded line about the billing error and was told that if I made consistent on time payments for 6 months, they would remove my late payments. My credit report has been adversely affected by my lost of employment due to the worldwide XXXX pandemic. After being assured by the management at XXXX that the erroneous late payments would be removed, I've been caught up and consistent an entire year since finding stable employment. I called XXXX today XX/XX/XXXX and The representative refused to submit my dispute for the erroneous late payments and refused to transfer me to a supervisor. ThIs information on my credit report is preventing me from purchasing a home. I would have never been in this position if i wasnt assured that the late payments would not affect me after keeping consistent payments. I feel like this is some form of extortion. If i would have known that XXXX would be this shady, i would have went to another finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My account was charged off and sold to Midland Credit Management. Midland Credit Management has become the servicer of this account. As a result, all payments and correspondence should be directed to : Midland Credit Management XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Michigan XXXX ( XXXX ) XXXX Midlandcredit.com If you have any questions about this account, please contact Midland Credit Management at ( XXXX ) XXXX and speak with XXXX of their specialists for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 I returned a call from Bank of America and spoke to someone named XXXX. 

She stated A letter was sent to you in the mail yesterday with no other explanation. 

XXXX was short, dismissive and reluctant to provide any other details. I then asked what does the letter say? 


She was very difficult to communicate with. 

XXXX stated on XX/XX/XXXX I was approved for an extension of the forbearance. I then asked what are the available terms for payment under this forbearance? 

XXXX stated no terms of payment are known at this time. I then explained upon the first forbearance the available terms of payment options were made known. 

XXXX just kept repeating the same boiler plate template statement, i.e., no payment options are known until after the forbearance is over. 

I then stated again, the payment options were available at the time the first forbearance was requested. 

She just kept repeating the same thing at which time I asked she reach out to a supervisor to confirm. She did not. 

The investor my loan is with has in writing what the payment options are and they should be disclosed by Bank of America upon extension. 
It sounds like Bank of America has no idea what my investor has set up as to terms. 

My investor is XXXX XXXX ( see attachment explaining payment options ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Brett M. Borland, P.C.
State: KY

Complaint narrative:
Debt collector from the Law Office of Brett M. Borland was inappropriate over the phone, and difficult to reach. Requested that further communication be done over email or traditional mail verbally on XX/XX/XXXX, via email on XX/XX/XXXX, and through certified mail that was received on XX/XX/XXXX. 
Additionally requested evidence of reported damages to rental unit, along with proof that the landlord attempted to re-rent the unit per state law on XX/XX/XXXX both from the collector and from the original leasing company, with certified mail follow ups. 
Evidence of reported damages and attempts to rerent was not provided. 
I received a letter from the leasing company stating that they had turned my debt over to a debt collector that is not Law Office of Brett M. Borland. 
A collector from the Law Office of Brett M. Borland called and left a voicemail on XXXX despite receiving my request to continue through email or traditional mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 a wire transfer in the amount of US {$11000.00} was transferred domestically from my XXXX account to Wells Fargo to purchase an automobile. The number of the account was entered in error with an additional one at the end, the receiving party Who has a Wells Fargo account did not receive the wire transfer. I initiated a wire transfer trace with XXXX. It was sent out on XXXX XX/XX/2023. Wells Fargo has yet to respond and we are waiting for the return of the {$11000.00} That was sent to the wrong account number. 

The account number in question is not the correct account number XXXX -wire sent in to this account in error

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/24 I contacted Equifax as I was unable to access the account that I created for the purpose of having control over freezing/unfreezing my account, and to review my credit report. The problem was sent to tech support as it kept telling me that " We are temporarily unable to complete this request. '' I also tried to recover my account, but the message was always " We didn't find an account associated with your information. The data was more than triple checked. The person who helped me, XXXX, said that this should be resolved by tech, and kept saying Sorry Sorry continuously. The tech support then sent an email form letter that said they resolved the issue. 

XX/XX/24 I have tried this XXXX  to sign in. The same thing keeps happening. I am beyond frustrated and angry as so much time was spent yesterday on this problem. I spoke with two agents and told them that I was also very frustrated and angry. One person named " XXXX '' hung up on me after say sorry over and over again.. The other one named " XXXX '' told me that she was sorry, and that she referring my problem to the tech department ( again ). I checked and rechecked. 

Note all agents told me to try XXXX XXXX as XXXX and XXXX were not appropriate browsers for Equifax. Of note that is not noted on their website. Also, XXXX told me that my name needed to be in all caps. I did that, even though it is not noted to do so on their website. It made no difference. Finally, I was able to get my XXXX chrome to load up on my old laptop. I was excited. I tried to sign in using the information that all agents said was correct. I kept getting the same two messages as noted above. Now I get to wait for the form letter from the tech department. Oh joy. 

The source of my anger is that this company did not maintain adequate security and thus what is known as Equifax Hack, and to this day, all of my financial data is now sitting on the dark web. I never received a settlement from that angst. Now I am stuck in a dystopian situation where the error messages are just piling up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
As your XXXX XXXX account was charged off and sold to Velocity Investments , LLC. Velocity Investments , LLC has become the servicer of this account. As a result, all payments and correspondence should be directed to : Velocity Investments , LLC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX ... This account does not belong to me.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  - XXXX XXXX XXXX Equifax XXXX : Unauthorized Use of Credit Information-Resulting from Identity Theft due to an illegally issued false Evivtion while in Hospital with Theft of Property and all personal belongings : Debit Cards Bank Statements Credit Cards Cash Funds Checks Money Order Receipts Billing Statements Laptops And All Personal Documents and Belongings XXXX XXXX XXXX XXXX Caused Damages and Undue Hardship XXXX to Current. 
ID Theft Victim : XXXX XXXX XXXX XXXX Reconciliation Requested. 
Reimbursements Refunds and Claim Disbursements via Mailed Check to Consumer. 

XXXX XXXX XXXX XXXX Collection Account : XXXX {$15000.00} ID Theft Restoration and Account Balances and Funds Recovery XXXX Credit Report : Inaccurate Reporting of Information Debt Collection Removal : XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$2200.00} XXXXXXXX XXXX {$350.00} XXXX XXXX {$12000.00} Reimbursements Credits and Fee Reversals Corporate Account Check Disbursement for Unauthorized Account Payments -Issue Credits and Refunds : XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$12000.00} - Disputed Amounts XXXX ( {$0.00} ) Balances Owed. 

Refund for Outstanding Debts and Payments Drafted from Accounts. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while Hospitalized. 

Balance XXXX : {$0.00} Delete from Credit Files . 
Discharge Balances. 
Refund Premiums Deducted from Bank Accounts. 

Equifax : Debts not owed -ID Theft Block and Account Record for Deletion Total Installment {$28.00} XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX XXXX {$2900.00} XXXX XXXX {$2200.00} Equifax Report XXXX XXXX XXXX XXXX XXXXdentity Theft Reported Inaccuracies : XXXX XXXX XXXX {$2200.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX Credit Report : Credit Collection - {$2200.00} XXXX XXXX - {$130.00} XXXX XXXX XXXX. {$350.00} XXXX {$12000.00} XXXX ID Theft Disputed ID Block Collection Accounts : XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$350.00} XXXX XXXX XXXX XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing an official complaint against the following business : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, LVNV Funding ( Resurgent Capital Service ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX/LVNV/ and XXXX via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX/LVNV/ and Portfolio via certified mail on XXXX XXXX of XXXX mail return receipt, proving that XXXX/LVNV/ and Portfolio received my debt verification letter on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GFS II, LLC
State: IL

Complaint narrative:
Two late payments are reported that are false on my credit report I been trying get it removed they dont want to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Did a consolidate loan with truist bank on XX/XX/2023 located @ XXXX XXXX XXXX XXXX XXXX florida XXXX. Up on signing off on the loan I discover that one of my credit card was close without my knowledge and did not request at any time for it to be close by the bank. What truist did was misleading information to me while I was signing off on this consolidated loan and change up the interest rate on me. 

I try to speak to miss XXXX XXXX who did the loan application nothing good happen then she turned me over to the branch manager who knows nothing. 

Thank you XXXX XXXX.

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 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America recently tanked my credit score after failing to draft my automatic payment for my auto loan. I made numerous attempts to contact them and they refused to correspond with me. I have called and left voicemails, sent letters via snail mail, and attempted chats via XXXX XXXX and XXXX XXXX XXXX. I filed a complaint with CFPB and Bank of America never corrected the error on my report, but did begin reporting the account as current. This month, I increased the autopay to more than my monthly payment and double-checked to make sure that the autopayment went through. My XXXX XXXX Checking account shows Bank of America did draft the money and Bank of America shows that they did receive it. However, they just reported to the credit bureaus again that the account is delinquent ( after previously correcting its status to current, but not correcting the payment history ). It is absolutely ridiculous that a single company can slander a consumer causing increased insurance and loan rates. Aside from trying to sue a multi-billion dollar company for slander or malpractice, I'm not sure what options I have left at this point. This is extremely frustrating.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Just got notified from Experian that payment history is 35 % of my credit score and Experian says that my payment history is GOOD now just imagine what my credit score would be is Experian put back my now 19 months of on time never late payments to XXXX. In the screen shots attached you will see on there own website they say for my boost that the last payment to XXXX was XX/XX/2022 and then on the same website they show continued payments that were never late and the kicker is they say they can lower my XXXX bill by XXXX dollars a month BUT TURN AROUND AND STEAL THE PAYMENT HISTORY TO KEEP MYSCORE LOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: AL

Complaint narrative:
I received a letter from EDFINANCIAL on XX/XX/XXXX stating that End of Grace has occurred and payments are due XX/XX/XXXX. I am enrolled in an eligible institution and want my loans deferred. On XX/XX/XXXX, I submitted documentation to EDFINANCIAL through their loan portal but never received confirmation via email or in the correspondence history on their documentation portal. It only shows the information they have sent me. Again on XX/XX/XXXX, I submitted documentation verifying enrollment. The documents are not shown in the portal on the loan servicer website. In contacting the customer service, she checked my account and notated that I am not to pay and they have received my documents from XX/XX/XXXX and it will take XXXX business days not including holidays to process this request. I attempted to request documentation mailed to my physical address or email and was refused documentation. I can not get a transcription of the conversation following the end of the chat either. XXXX notated in my account but stated that the notes were for internal use only. I completed an authorization to release your student loan account information and named myself and my address. When I requested my loan information again from XXXX she stated she could not email me anything. Attached below are screenshots of the conversation occurring XX/XX/XXXX. XXXX could not provide me with documentation of what she has seen on my account, my account has not been updated to show that they have received any of my enrollment verifications. On multiple occasions XXXX attempted to end the conversation stating I was not " here '' while I was waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I scheduled a payment from my XXXX XXXX XXXX XXXX account for XX/XX/XXXX to my XXXX Credit Card administered by Goldman Sachs in order to satisfy a payment due date of XX/XX/XXXX. That payment was initiated on XX/XX/XXXX and confirmed received by Goldman Sachs on XX/XX/XXXX as documented by XXXX  XXXX XXXX and acknowledged by Goldman Sachs. The payment was then posted to my account on XX/XX/XXXX which was after the payment due date and considered a late payment. Goldman Sachs applied interest charges as a result of the posting date of XX/XX/XXXX which I would not have incurred had the payment been posted when received. 
The explanation from the Goldman Sachs customer representative was that the XXXX XXXX XXXX caused the received payment to be posted to my credit account on XX/XX/XXXX, XXXX days after receipt, which was after the due date causing interest and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have no idea why these are reporting on my credit file please remove inaccurate information or face fines XXXX is already liable to pay over XXXX XXXX dollars because of fraud and inaccurate information.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries was made without my knowledge or consent, and I request it's immediate removal from my credit file. 

Inquiry Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief