vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 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: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
XX/XX/2021 XXXX XXXX collection agency reported ) A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.

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

Complaint narrative:
All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint. 

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint.

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

Thank you.

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 2021-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Good Morning, My understanding around re : federal student loan payments, is that I am allowed the option to apply excess payments to the principal of my loans. 

I have Stafford and Graduate Plus Loans through Great Lakes, for my graduate school loans. 

Prior to the pandemic, I did not often have the opportunity to make excess payments to my loans. At this time, I understand my loans to be in forebearance, due to the federal order. I have begun making excess payments on my loans. However, Great Lakes does not allow for the excess payments to be applied to anything other than the interest, if there are loans with interest. I've noticed their website specifically states that excess payments must be applied to the interest first, then the principal. 

Please help clarify this situation. Have I misunderstood the law? Or are they blatantly being allowed to violate the law in plain site without repercussion? 

I have attempted to contact them through their Contact Us service. I do not have the time to call, as I am a XXXX XXXX, on a XXXX XXXX XXXX, embedded in a community hospital, and we have been swamped. I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: CA

Complaint narrative:
last year XX/XX/XXXX XX/XX/XXXX, i applied for forbearance knowing that I will not be reported to credit bureaus. I paid early before the said agreement via a lump-sum amount. right after the payment my mortgage company reported me to credit bureaus that i did not pay for the forbearance months. and I was affected by a natural disaster. did not report that i am current after the lump sum amount was paid. I filed a dispute to transunion and clicked the box that says incorrect payment history. on XX/XX/XXXX I got an email that says dispute solved ... I checked on the dispute and still reflects that on XX/XX/XXXX to XX/XX/XXXX that they haven't received reports from the mortgage company and the remark that says I am affected by covid was still there. I called transunion everyweek since the dispute was filed. and their answer on friday ... its because you filed a wrong dispute! I should have said that I want to remove the remark and wants me to file a dispute again and wait for 30 days. Today I did what I was told. but before that, my mortgage company is asking for credit report from transunion since they want to check what was the remark. I can not pull my credit report from transunion since I am on dispute.

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 2021-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
THIS IS A COMPLAINT AGAINST BANK OF AMERICA FOR NOT PROCESSING THE LOAN APPLICATION IN A TIMELY MANNER RESULTING IN FAILURE TO GET THE LOAN ON THE CLOSING DATE. 
Loan amount : {>= $1,000,000} ; Loan amount was changed to {>= $1,000,000} on XX/XX/21 for easier qualification. Date of application : XX/XX/2021 ; Closing date :XX/XX/2021 Main issue : In spite of making clear to the loan officer at the time of applying that if I do not get the loan I am at risk of loosing {$180000.00} since closing was not contingent on obtaining the loan. Loan was not approved by the closing date and I had to arrange for close to XXXX in cash in less than a week Problems encountered : 1. In ability of Home Loan navigator to accept large documents 2. Failure to review, act on and accept the uploaded documents in a timely fashion 3.Delayed Condo approval process due to delay in requesting as well as requesting unreasonable documents 4. Failure to qualify me for the loan while the condo approval is pending.

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 2021-04-04 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: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
On XX/XX/XXXX I sent a check in the amount of {$2000.00} to settle a charged off debt owed to XXXX XXXX. On the back it stated " By cashing this check you agree to remove this debt from all credit reporting agencies in North America. This also resolves my entire debt with XXXX XXXX and XXXX XXXX XXXX XXXX. with this final payment. This is called XXXX and satisfaction agreement. '' The letter explained the complete transaction including file numbers and account numbers. I provided ID, proof of residency and proof of said transaction. 
At this point the account has not been removed or even labeled as disputed. 
I then sent letters of complaint on XX/XX/XXXX to XXXX, XXXX, and XXXX stating the same and requested the removal of the account with no response from any of the agencies. I sent these letters return receipt requested so I can confirm they received them. I can provide copies of the receipts if you need them. Thanks in advance for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I opened an account with Gemini 2 months ago and submitted all identification forms and deposited money and bought crypto. I was verified then all of a sudden it says not verified and wont let me withdraw my own money thats on the app. Ive tried emailing. Calling. Tweeting and nothing. I want my money back this is a scam. I will be warning everyone about this. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: LA

Complaint narrative:
A new debt popped up on my credit reportXX/XX/XXXXas a new debt. I had no idea of this debt so I contacted the collection agency. I was informed that this debt was for my daughter and was from XX/XX/XXXX. I never received any form of letters to dispute of solve the issue prior to XX/XX/XXXX. Under the FCRA the silent treatment is illegal. They reported this as a new debt. Its falsely reported as new account activity. The Fair Credit Reporting Act requires CRA to maintain an accurate file of your credit information. By lying about the age of the account is or the date of any delinquency, the debt buyer or collection agency violates the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: PA

Complaint narrative:
XX/XX/2021 I received a letter from ANFI, Inc about a debt that was sold to them from XXXX XXXX XXXX XXXX XXXX XXXX For the amount of ( {$330.00} ). XX/XX/2021 i wrote ANFI, Inc a debt validation letter asking for a contract bearing my signature and how do i now owe them when i paid XXXX XXXX XXXX, XXXX a settlement amount of already {$400.00} and when i went to make my last payment they told me I had to wait to ANFI contact me regarding the debt now. Which i didnt understand so now ANFI responded with nothing but another bill. Why cant I get the contract bearing my signature on a debt they allegedly say i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MA

Complaint narrative:
I discovered a week ago that my credit card account with Discover has been enrolled in the Payment Protection Plan since XX/XX/2011 or earlier. Charges that I had initially thought were part of the monthly interest were associated with this plan. I estimate that I have been charged $ XXXX {$5000.00} in fees plus additional interest associated with the increase in my balance on the credit card account over this period. 

I do not recall signing up for this service, nor would I, upon reading the terms, ever consider it. I have not been in any type of situation where I was concerned about my job security. To this point, I have not used this product a single time in the 10+ years that I have had it. I believe that the terms were described to me in a deceptive manner, otherwise there is zero chance I would intentionally sign on. 

I do not believe that Discover has made an honest attempt to accurately describe the service or clearly define the terms. Nor have they offered a mea culpa or fair resolution to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Credit Services Inc.
State: FL

Complaint narrative:
XXXX XXXX presented me with an offer that if I reinstated my membership, any balance owed would be removed from my credit report. I have had a current membership with them and this has still not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I received a mail from Convergent Outsourcing dated XX/XX/2021. Stating that I owe XXXX XXXX {$650.00}. But if I agree with the settlement amount of {$320.00}, XXXX XXXX XXXX will recall my account and cease all collection activity. The letter said that if I agree, I have to call their office at XXXX. It was also stated in the letter that the letter is not an offer to accept 50 % of my debt as payment in full, but an offer for XXXX XXXX XXXX to remove my account from further collection efforts and they are not obligated to renew this offer.

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 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
1 ) Seven days ago, I signed for EQUFAX free 7 days trial, and then $ XXXX/m. 
2 ) I looked my EQUIFAX credit report XX/XX/XXXX and was NOT SATISFIED WITH THE EQUIFAX CREDIT REPORTS AS THESE REPORTS DID NOT GIVE AN ACCESS TO XXXX  AND XXXX CREDIT REPORTS, JUST THE SCORES. 
3 ) I canceled MY EQUIFAX SERVICE IMMEDIATELY, thus Equifax charged me today ( 7 days later ) {$19.00}.

4 ) I called the Equifax customer servise at ( XXXX ) XXXX at XXXX XXXX on XX/XX/2022 and spoke with the Equifax representative XXXX : XXXX. I requested a refund and ask why the service was continued as I canceled it 7 days ago. 
5 ) XXXX XXXX told me '' he needs to get into my credit report '', asked me all PERSONAL IDENTITY QUESTIONS for verification purpose. 
6 ) Then, XXXX XXXX continued to verify me, and sent me the following link, REQUESTING FROM ME TO SNAPSHOT MY DRIVER LICENSE : https : //document-verification-ifs-ca.us.equifax.com/error? fbclid=IwAR1BwYSkplOeMflZ2eOUFRAIEGZKhs9Jthf2lJnuFdGbIlRkke7abDMG6TM. 
7 ) While on the phone with XXXX XXXX, I snap-shoot my ID, THEN THE PHOTO SNAPSHOT OF MY ID suddently DISAPPEARED! I became very nervous not knowing where is the copy of my ID and if it was transmitted over the PHONE anywhere ; I told XXXX that this is very complicated and scary, and I should not be put into situation to do complicated verification of my self,. 8 ) JUST CANCEL MY SUBSCRIPTION WITN EQUIFAX AND REFUND MY MONEY. 
9 ) XXXX XXXX became also nervous, and told me that I should answer serious of verification questions. 
10 ) I proceed and XXXX asked me all questions about my mortgage, loans, credit cards, student loans, etc. 
11 ) THEN XXXX XXXX TOLD ME THAT THE EQUIFAX SYSTEM CAN NOT VERIFY ME!!!!!!! XXXX XXXX told me that I must send them my documents/IDs by mail. 
12 ) I WAS VERY ANNOYED as I simply wanted to cancel my subscription and refund my money. It is my right, more so I was calling to tell I already CANCELED IT. I told XXXX XXXX that I will file a CFPB complaint and will call my Bank to file a dispute. 
13 ) FINALY XXXX XXXX told me I COULD GO TO MY EQUIFAX ACCOUNT AND CANCEL MY SUBSCRIPTION myself. I objected and ask why XXXX XXXX did not started our conversation with this. 
14 ) After I terminated our conversation I did go to my Equifax account and cancel ( FOR THE SECOND TIME ) MY SUBSCRIPTION, BUT THE EQUIFAX DID NOT GIVE ME BACK MY {$19.00} ; EQUIFAX SYSTEM STATED I COULD HAVE THEIR SERVICE FOR 1 MONTH MORE. 
15 ) IF I AM NOT HAPPY WITH THE EQUIFAX PLATINUM, WHY SHOULD I KEEP THEIR SERVICE LONGER? 
16 ) EQUIFAX IS LYING TO CUSTOMERS, PROVIDING THE FAULSE ADVERTISEMENT ON EQUIFAX.COM THAT I CUSTOMERS COULD REACH XX/XX/XXXX CREDIT REPORTS, BUT EQUIFAX NEVER PROVIDES SUCH OPTION TO CONSUMERS, JUST THE CREDIT SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent Comenity Bank a letter because I have an open credit card with them through XXXX XXXX. On XX/XX/XXXX, the company informed me they would place me on to a forgiveness program due to Covid 19 and because I had lost my job. They then informed me I did not have to make a payment until XX/XX/XXXX. Now due to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureaus during the time of Covid 's forbearance period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CO

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX. I do not owe any money for XXXX XXXX XXXX. That is a lie and it was a credit card dispute with XXXX. They tried to charge me a month of rent, when I didnt even live there. They also kept my security deposit which is illegal. XXXX already handled this. XXXX XXXX lofts refunded me, and I refunded them. This should not be in collections or a debit collector. That is illegal what they are doing and fraud. They already were paid. I paid all remaining charges while I lived there as well. See more documents for proof. I also was recently sent updates from XXXX as requested to show you guys more proof, where they were even just recently credited. This again should not be in collections! Please contact XXXX. See all receipts in PDF file! Thank you again! 



Best regards, Mr. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04 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: FL

Complaint narrative:
The Bureaus reporting date Opened XX/XX/2017 amount {$2100.00} i sent dispute letters several times

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 2021-04-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX of 2019 I was in a horrible car accident. I literally broke the left side of my body. During this time I was in extreme pain and focused on recovering. As a result I missed a {$9.00} payment to Bank of America and they reported it to my consumer report. I then informed the company of the accident and they informed me to send in letter and they would give me a forgiveness of the late payment. I have sent the letter and they never forgave the payment nor did they contact me about the issue for any other 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 2021-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation