vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: CO

Complaint narrative:
I have two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CO

Complaint narrative:
I have two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.

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 2021-06-30 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
I have refinanced my student loans, thought Department of EducationXXXX XXXX shows my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from New Mexico Educational Assistance Foundation ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NM

Complaint narrative:
I have refinanced my student loans, thought Department of Education- XXXX XXXX my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from XXXX XXXX XXXX XXXX XXXX ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.

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 2021-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
Im trying to refinance my mortgage with another company. The other company asked for me to get a document called " the note '' from Amerisave. I requested that document and they said they would mail it to me. The business is 5 miles from my house. 3 weeks go by and nothing. I called back and asked for it again. I also asked if they could fax it to me. They simply wont give me this document. They know I am preparing to go to another company for my mortgage and they are illegally trying to prevent it. Any assistance you could provide would be greatly appreciated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NH

Complaint narrative:
In XXXX my wife and I were on a forbearance plan. Once we successfully completed that, we entered into a repayment plan with XXXX XXXXXXXX XXXX and starting paying to them immediately when instructed to by the agreement. This started in XXXX. According to our new mortgage holder ( this was apparently switched over to CLS from XXXX unknown to us in XXXX ), Community Loan Servicing ( CLS ), we never made a XXXX payment. This has decimated my credit. It has put our application for a equity loan on our home on indefinite hold. We were also planning on refinancing, and several letters received by Community Loan Servicing via certified mail that our home would be entered into a foreclosure ( Notice of Default and Intent to Accelerate ) on XX/XX/XXXX, as well as on XX/XX/XXXX. These letters have caused so much undue stress to our family that I have been prescribed sleep medication to help deal with my anxiety about potentially losing our home. I have missed several days of work due to my XXXX. 
As you can see from the attached, we did in fact make XXXX 's payment according to the payment plan on XX/XX/XXXX. ( XXXX 's payment was, of course, made on XX/XX/XXXX of {$3100.00} ) which was the start of the repayment plan. We have also made every subsequent payment, on time, including this XXXX 's payment. 
I have already asked CLS to make note of this and report to the credit companies their error, but they refused. My credit is still damaged and my health is suffering due to my anxiety and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank has refused to chargeback {$900.00} to merchant XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX I hired the company to file my taxes and to date they have failed to do so. I want to file a chargeback based on failure to receive services however Bank of America has refused to do so.

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 monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
BWW Law Group is in violation of the CARES Act, RESPA, and FDCPA. 

BWW Law Group has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX in direct violation of the CARES Act. Because the federally backed mortgage is stayed from foreclosure actions, there is no excuse for the actions of this entity. 

In addition, BWW Law Group has completely ignored a previous Notice of Error issued on XX/XX/XXXX, and is currently in receipt of another Notice of Error which the servicer ( XXXXXXXX XXXX XXXX XXXX received on XX/XX/XXXX. BWW Law Group can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. I have not even received any statements from the servicer since XX/XX/XXXX, and I have not been in bankruptcy during any of this time. 

When the servicer receives the Notice of Error within 7 business days of the sale date, they absolutely must cancel the salethis is the law. We have attached the signed certified mail receipt dated XX/XX/XXXX, which proves that the servicer is in timely receipt of the Notice of Error. 

Please see attached letter with attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NJ

Complaint narrative:
XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence.

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX data breach and may have got into the wrong hands.

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 2021-06-30 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: NJ

Complaint narrative:
Due to the covid 19 global pandemic I was unable to make my payments on my XXXX  account on time. I requested they take the circumstances of the pandemic into consideration and remove the late status on those payments which were for XX/XX/2020 and XX/XX/2020. The added remarks updating the status for each to not late payments and since have removed those remarks for unknown reasons.

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 2021-06-30 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: NJ

Complaint narrative:
Due to the covid 19 global pandemic I was unable to make my payments on my XXXX account on time. I requested they take the circumstances of the pandemic into consideration and remove the late status on those payments which were for XX/XX/2020 and XX/XX/2020. The added remarks updating the status for each to not late payments and since have removed those remarks for unknown reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: GA

Complaint narrative:
I reviewed a current copy of credit report and I show incomplete or inaccuarte information that was not verified with acocunt holder XXXX XXXX XXXX ( auto ) account number XXXX. Per FRCA and FDCPA I have be violated due to the reinsertion act and I am request that this account be delete due to viloation. I has not contacted nor I have not received and writing certified commucation from XXXX XXXX per law. Please delete due to unverifable means and viloation of reinsertation. Also, This has been placed under FTC fraud reporting and sent certifed mail to Transunion for removal.

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 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: AL

Complaint narrative:
XX/XX/2021 A refund was Initiated to Binance.US for the total of {$3400.00} I reached out several times to the customer service team. As of XX/XX/XXXX i was informed in an open chat by a Customer Service Agent that my ticket was never tended too. This is not good. I am in a Financial hardship and really need my funds fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: MA

Complaint narrative:
I have been with this company for over 22 years and purchased over 8 vehicles. on Many occasion due to their faulty telephone automated system they have marked me over 30 days late literally destroying my credit score and ended up setting with me for an undisclosed amount, Recently this has happened and I was told it would be corrected some were and there are 2 that are still on there. After so many calls and so many different representatives I have given up. The last person in the Compliance Department reached out to me after I filed a XXXX  report. She had only been with the company for 2 weeks an was very dismissive towards me and rude. She became argumentative with me because she was unfamiliar with the autumated system and told me straight out that the system does not give out calculated days past due. I proved her wrong and she became very hostile towards me. I'm very familiar with this company because I have had them for 22 years, probably longer than most employees that have worked for the company. I get paid once a month and sometimes it is during the end of the month so I monitor the days by calling the automated system that will tell me how many days I'm past due. I do this to be accurate so that I make no mistakes. The problem is that I found out after getting # 0 day late marks is that the system does not keep the calculated days over the weekend so if it say your 27 days past due and you make the payment on the 29 avoiding the 30 day mark, on Monday the system will say that when I made my payment it was 31 days late. This is confusing to someone who was not given this information up front. How is a customer suppose to know that they cant trust the automated system over the weekends, If I cant call the company that holds my loan to confirm accuracy then this is a problem because they are the ones who hold me accountable. This is unfair and needs to be corrected and so do the two 30 day late marks. My record of 22 years shows that I don't make late payments past 30 days. The other issue I have with this company is I was recently told that I could of changed my due date to avoid late payments that I incur every month due to the way I get paid. Out of the many many representatives I spoke with none of them ever offered that advice, instead they let me incur XXXX dollar late payments every month knowing there was a solution. This is very poor customer service to not try to offer a way to avoid these fees knowing all along it was fixable. It was more to their advantage to keep collecting fees from a long time loyal customer of 22 years is very low and takes away from their reputation of being honest and professional. They with hold this information for financial gain and that is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by CONVERGENT OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation..

I am requesting deletion account from all credit bureaus. 

This is the account : CONVERGENT OUTSOURCING , INC . 
Opened : XXXX XXXX, 2020. 
Balance : {$1600.00} Original Creditor Name : XXXX XXXX XXXXXXXX Highest Balance : {$1600.00}. 

Please see the document attached.

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 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I attempted to have the reporting bureau verify the debt on XX/XX/XXXX. I attempted to have the furnisher validate the debt on XX/XX/XXXX. Neither parties have provided any type of verification/validation of this debt. 

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties.

Company response to consumer: Closed with explanation