vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TN

Complaint narrative:
On XX/XX/2021 I wrote Great Lakes about the student loans that are on my credit report. The letter was regarding account # XXXX, which you claim that I owe {$74.00}, XXXXCOMES NOW, XXXX XXXX XXXX XXXX, herein after Affiant. Affiant is competent with sound mind to state to the matters included in this Affidavit and has first hand knowledge of the facts, and hereby declares to the best of Affiants knowledge and belief that the statements made in this affidavit are true, correct, complete, not meant to mislead and tendered in accordance with the Maxim of Law that provides that Truth is expressed in the form of an affidavit. An unrebutted affidavit is presumed to be true. Respondent ( s ) is/are required to timely respond to and to rebut the truths expressed in each point, categorically and on a point for point basis with an affidavit that is signed and sworn to on respondents commercial liability and witnessed by a third party public witness, e.g. notary public, or other person qualified to attest to foreign bills or the matters expressed in this affidavit that rebuts this affidavit, or the truths expressed in this affidavit shall constitute the final truth and judgment against in this action and demand to dismiss with prejudice nunc pro tunc. 
FACTS 2 It is a fact, the Affiant is a natural consumer identified is 15. U.S.C 1692a ( 3 ) 3 It is a fact, the GREAT LAKES is a debt collector pursuant to 15 U.S.C 1692 ( a ) 6 and 15 U.S.C 1692j ( b ).

4 It is a fact, the Affiant is the creditor pursuant to 15 U.S.C 1692a ( 4 ) 5 It is fact, GREAT LAKES has violated several federal laws listed under the Fair Debt Collections Practices Act and Truth In Lending Act 6 It is a fact, verification for alleged account # 03-5080452 has not been satisfied pursuant to 15 U.S.C 1692g ( 4 ) ( 5 ).

7 It is fact, the Affiant is entitled to monetary relief pursuant to 15 U.S.C 1692k if settlement is not reached by consumers desires. 
Your failure to rebut the claims made herein point by point with federal law shall constitute your tactic agreement that the claims are true and your acknowledgment that we agree on all points and we further agree that respondents agree not to interfere with Affiants privacy in the future. You have 3 days pursuant to Regulation Z of the Truth and Lending Act to rebut this Affidavit of Facts with a sworn affidavit of facts not hearsay nor information or belief under penalties of perjury. If this affidavit is not rebutted by XXXX XXXX. Silence is acquiescence. This will be become public record attached with an invoice with damages for non-compliance under 15 U.S.C 1692k. 
On XX/XX/2021 I received a letter stating that the forgery claim as denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/21 I created a crypto account with a company called Coinbase and bought {$130.00} of various cryptocurrencies with my debit through their mobile app. I bought XXXX dollars in Bit coin, XXXX dollars in XXXX, XXXX dollars in XXXX and bought XXXX dollars of XXXX XXXX XXXX coins. I could see the reflected balance fluctuate with the market on my porfolio up until XX/XX/21 XXXX XXXX. When I check my porfolio and hour or so later my porfolio showed a balance of XXXX. I checked the transactions on each crypto and there no recent transactions to show why my balance is XXXX. It only showed the amounts I purchased the night before. Out of concern I locked my account and emailed coinbase several times I recieved a generic reply from a third party website asking if my problem was resolved and replied " no it has not ''. I tired to contact customer service by phone as well but can not get in touch with a live representative. Only an automated line that allows you to lock your account if you feel it has been compromised. I researched online and found forums with many people having this same problem. Can you please help stop these crooks? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
My name as stated on all my legal identity documents including my Social Security Card is XXXX XXXX XXXX. Loanpal is referring to me as XXXX XXXX XXXX and is refusing to correct this. I have shown them proof of a legal name change in XX/XX/XXXX and they tried lying to me about my name legally being XXXX XXXX XXXX when it is not. They would refuse to correct my name on the loan certificate that was issued before the install was finished even though they said payments are not due until 60 days after completion of the project. They would lie to me in XXXX of XXXX and XXXX of XXXX about fixing the name on my account and still send me statements under an illegal dead name of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX  are in violation of deleting several accounts ; then add the same account back on my credit report. I dispute my these accounts, and Equifax and XXXX were not able to verify the information. This accounts were detailed, and they added back on my credit report. 
1. Validate inaccurate/reported late payments XXXX  XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 2. XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 3. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 4. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 5. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 6. 
Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Commercial Collection Corporation of New York, Inc.
State: NC

Complaint narrative:
On or about XX/XX/2021 I received an email to my personal email account from XXXX XXXX from Commercial Collection Corp of NY concerning the amount of {$5200.00} which the party stated I owed to concerning a tractor ( truck ) lease from XXXX XXXX XXXX XXXX. In the email the legal threat I bring into question I will quote " In order to avoid further collection activity, this matter must be resolved on an expedient basis. '' I take this as a means of destroying or defaming my namesake, or the namesake of my business ( XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. Now I will begin with the authentic details of this debt. 1. Does the party have all wet ink signatures of any contracts or documents pertaining to this debt? 2. Why did the party not submit a letterhead dated formal writing about this debt? 3. What is the actual amount owed and where is the proof of the amount owed? The representative of Commercial Collection Corp of NY, a XXXX XXXX sent an email with details that could have been intercepted by any party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I Mailed A Copy Of My Inaccurate Information To Equifax Back On XX/XX/2021 And Then Followed Up With Another Letter On XX/XX/2021. 

I Did Not Receive Any Replies Back Or Any Changes. 

By Law, They Are Supposed To Reply Within 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/21 I sent the Bureaus a letter in dispute of INACCURATE/ FALSE reporting I found on my credit report. I feel that these accounts are adversely affecting my credit report and because of it I pay thousands in interest every year. I need this problem fixed ASAP I will not wait another 45 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: TX

Complaint narrative:
I applied for an investment property loan and got a pre-approval from AnnieMac Home Mortgage / NMLS # XXXX and rate was locked. Once we locked the rate I was told not to shop with any other landers, so I did. I provided all the documents and was told all is well. But after a month they started harassing for more document, and they mentioned that federal lending rules changed as they can not use my rental income towards this loan. because I do not have a primary home. I verified with local lenders and they say its incorrect. I had to liquidate my personal stocks, sell my vehicle to come up with more money for down payment. After providing all the documents, statements, proof of sale of vehicle, proof of stock liquidation still they say its under review. When I try to call the loan processor ; I get nasty emails. I feel I am being told incorrect information and discriminated. This company cost me over {$6000.00} in money and lost revenue from potential rental and {$10000.00} in earnest money. No Proper communication and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
I submitted a complaint with the cfpb last XXXX. In the complaint i explained that the debt was not mine and for them to show me proof that it was mine and I was requesting validity. They responded on a reply they were sending proof of validation which I never received. I then sent them a certified letter on XX/XX/XXXX XXXX requesting to send me proof with a signed contract, my most recent purchases, and how this bill came to be if they claimed they owned the debt. I have since gotten no response and the item still remains on my credit reports. If they can show me certified documents within 30 days of my request please have them upload their proof, if not then this to be removed off my credit reports immediate. Furthermore, I have not only attached proof of my certified request, but also a settlement that was made on this claim in 2018 with Client Resolution Services which was for {$300.00} and XXXX XXXXXXXX XXXX XXXX  XXXX marked the account settled on my credit report. All I want is for this entry to be deleted so I can get on with my life. During these times for a company to continue to harass you over something that they cant even claim I owe them is disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On Monday XX/XX/XXXX at XXXX XXXX ET I called American express to see about changing my current card to a different american express card that I had received an email offer on - the new card I was being offered was a XXXX card and my current card is just an Amex card without any other affiliation. I was told by the person from Amex that I spoke with that I could not swap the accounts over the phone - i needed to apply for the new card and if i was approved I could call Amex back and cancel my current card. Since I was charged an annual fee on my existing card of {$550.00} in XXXX of this year, I asked what would happen to that fee? I was told by the representative from Amex not to worry, that my fee would be prorated and I would receive a statement credit for the balance of the year that I did not use the card, based upon the day that I called them and cancelled my existing card. 
I applied for the XXXX card later that night on the 1st and was approved. I received the new card in the mail today and called Amex XXXXonight XXXX XX/XX/XXXX ) at XXXX XXXX ET to cancel my existing card. I was told by the representative tonight that my annual fee was lost and that I would not get any credit for the prorated portion of the year that the card was not active. I asked to speak with a supervisor and was told that I could not and that they would try to have someone call me back. 
This seems like a complete bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express Please see detail in letter attached. 

Remove of closed accounts in all bureaus due to fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: RI

Complaint narrative:
I have not supplied proof under one doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
Failed to verify debt. The account is not accurate on my credit report. information is different on XXXX  XXXX XXXX. its hurting my credit score and its not accurate. information is breaking the Fair reporting Credit Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I originally filed a complaint against all three credit bureaus 2 months ago on this website, in regard to all three credit bureaus not reporting same information on all three for the same student loan accounts. I specifically requested the loans be removed due to this. All three credit bureaus responded by saying that everything has been updated and given loans would not be removed even though which was not request, from my understanding if creditor is not reporting the same on all three credit bureaus then said account has to be 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 2021-03-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I originally filed a complaint against all three credit bureaus 2 months ago on this website, in regard to all three credit bureaus not reporting same information on all three for the same student loan accounts. I specifically requested the loans be removed due to this. All three credit bureaus responded by saying that everything has been updated and given loans would not be removed even though which was not request, from my understanding if creditor is not reporting the same on all three credit bureaus then said account has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted dispute letters to Transunion, XXXX  and XXXX XXXX XX/XX/2021 and XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card. 
I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose.

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them

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 2021-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I switched insurance policies on XXXX XXXX and promptly faxed the declarations page ( with loan number ) to Mr. Cooper. I have called several times a week since, and their information still reflects the old policy which is more than {$1000.00} more than my new policy. The old policy is coming up for renewal on XXXX XXXX and Mr. Cooper still shows my old insurance company on their website. I have yet to receive confirmation that my old policy will not be paid. Coincidentally, I just had an escrow analysis at the end of XXXX and they are adding on a hefty overage which is resulting in a very costly monthly payment. I tried to explain to them that they're over charging me based on the new policy, but nobody in the escrow department seems to understand. They will transfer me to the insurance department, who tells me that their systems don't communicate with the escrow department systems. After talking to both parties, they tell me that I need to speak to the other department. I called today and got the loss prevention/mitigation department where the operator told me that he's covering the phones because the escrow department is closed. I explained to everyone that the escrow deposits are my money held in good faith and they they have an obligation to respond to requests for me switching my providers as well as return the money that they're taking from me based on a policy that doesn't exist anymore. Despite weeks of calls and being transferred to other departments, this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom it May Concern, On XXXX XXXX I made a purchase from XXXX using my Citibank debit card in the amount of {$1600.00}. I did not use XXXX. I was only supposed to spend {$1600.00}, but somehow I was double charged the same amount of money. Two transactions in the amount of {$1600.00} were deducted from my citibank checking account immediately and at the same exact time. I called ebay customer service right away and I also spoke with the seller. They assured me that there was only one transaction and purchase in the amount of {$1600.00} in their records. Then, I called citibank convinced that they would not have a problem reversing the duplicate transaction. In the past, any other bank would have done that with a duplicate transaction. Not citibank. I spoke to a supervisor who told me that most likely the double transaction would be voided within 3 days, but just in case he suggested to open a dispute. When I heard that the soonest I could see my money back in my bank account would be between XXXX to 120 days, I wanted to cry. I waited 3 days, but my money was not refunded. I called back citibank and demanded to speak to a manager. I was denied the courtesy to speak with a manager. I was transferred to a supervisor who told me in a recorded call that my money was set to be deposited in my account as soonest as XXXX that night or the latest first thing in the morning because citibank decided to reverse the duplicate transaction. I was pleased with the results until the next morning when I found out that no money was refunded to my bank account. I called citibank again and this time they asked me to disregard the phone call I made to a supervisor the night before. I kept asking the supervisor to play the recorded call from the night before, but he refused. Citibank is refusing to reverse the duplicate transaction in the amount of {$1600.00} and they are asking me to wait between XXXX to 120 days for them to complete their dispute. Citibank is keeping my money for XXXX to 120 days for a duplicate transaction that should have been reversed. They are keeping my money for their personal interest and use.

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