vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
Im a Consumer that was impacted by COVID. Where forth, In XX/XX/2021, I applied for a 2 month COVID extension with Nissan. This would make my next payment due on XX/XX/2021. Nissan stated, that would Bring my account up-to-date and then the next payment would be due on XX/XX/2021. To my shock a noticed a vicious late payment filed by Nissan for XX/XX/2021 regardless of whether I filed for COVID. This late status and late payment should be promptly removed ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I had a collection that I paid to cmre on XX/XX/XXXX and I sent a certified letter to them on XX/XX/XXXX requesting for removal of account and they are not removing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My bankruptcy 10 years back was taken out by XXXX  and my scores updated. But Equifax and XXXX  is still jealously holding on to it. When I reported the issue to Equifax and XXXX, only XXXX  took that public record out - but did not update the score at all!! And Equifax did nothing on it!! 

This is preposterous. These people are holding on to our personal info and then making private profit off of it. I have no idea how this is constitutional, but this is definitely not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was being charged almost double i of my monthly payment I reached to them by phone to resolve the problem so many times and was not fixed in the meanwhile I was told by a rep of the company not to pay tha whole amount but my regular payment a week apart from the date I contacted them and I told the lady that doing so i was going to be late with my payment and she said that it was no problem and she would fix that, the day of the payment came and I paid my regular payment and the issue was not being resolved by the issue about the extra money they were charging me was resolved they had put me in the 30 days past due and reported me to the 3 credit bureaus and I have being calling he rep who told me that with no success and also calling another members of customer service with no answer to my problem, I need that 30 day late payment to be removed from my credit report since it was not my mistake nor my fault of the moneys that they were charging me, please intervene in this problem that I have with this company and it is affecting my credit<hope to hear from you soon Regards 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 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I arrived to XXXX XXXX for an vacation, when I arrived I unpacked and got an taxi to go to an ATM to get some cash out, but the driver had other ideas in mind. He took me to an empty building where they were other people there waiting and had guns with them, they told me to get out and give them everything I had on me, they took my phone, wallet and car keys, they asked for my passcode for my phone and ATM debit card pin, I gave them all of that. I assumes I would be let go but they followed me and force their way in my XXXX and stayed with me during my whole time in XXXX. Chase denied my claim because they stated that I didnt contact them as soon as my card and atm pin was stolen but the people that did that was with me the whole time and I couldnt possibly reach them. Second they said I shouldnt have gave them my pin, they basically told me I should have risk my life instead of my giving them my pin. And lastly they said there were no transactions after my card was closed but I told chase that the people was with me until I left back to the states so they will know when to stop using the atm card. Chase did not gather my full story, the reasons why they denied absolutely made no sense and chase approved one transaction that the robbers made an food delivery for XXXX $ but they didnt approve the XXXX $ Of atm transactions the robbers did in front of me. I felt chase only approved the lower amount because it was lower, Chase banking didnt protect me. They didnt care what happen to me. It was really disappointing and saddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I set up autopayments online, but macys did not process the the autopayments and hit me with a late fee. I had to go call in to pay the bill because the online portal does not work. The same happened to my dad and to other friends. It is a known issue on their side and they won't correct it on my credit report. I have perfect payments except for that incident because THEIR systems failed. I've been asking them to remove it for years.

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 2021-07-12 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: Nelnet, Inc.
State: TX

Complaint narrative:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX  and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I don't owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
There is a XXXX  bill reporting under my social security number that was not authorized. I have disputed and requested verification from the credit bureaus on the following dates and have not had the item deleted nor verified : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XXXX and XX/XX/21. I have requested validation of this debt from the third party collection agency on the following dates : XX/XX/21. I have NOT received the requested information from either party. See certified receipts 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 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened an account with TD Bank XX/XX/XXXX. I was supposed to receive a {$300.00} checking account promo after deposit requirements. Deposit of {$2500.00} within 60 days of account opening and promo will be deposited to my account. I have met the requirements as confirmed by many representatives. One XX/XX/XXXX, I spoke with rep name XXXX who spoke with their manager and confirmed again the criteria was met and they submitted an inquiry with the " promo team '' I was told, it will be reviewed and deposited on my account in a week. Called again on XX/XX/XXXX and spoke with rep name XXXX who stated account was noted as me not meeting the requirements asked to speak with a manager and talked to XXXX who also reiterated the same but could not provide the terms and condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX. The problem is that my experian credit works membership is showing wrong information like when I look at summary of my credit score it tells me that I have one account thats 30 days late. But I don't have any late payments on my credit report. The problem is that it keeps showing up on my membership profile when I click on my credit score it show that a 30day indicator in the score sections. I address this mater to the disputes department and they told me that their isn't anything negative on my report. XXXX that I have to speak to experian credit works customer service. Because they have a different data base. So I talk to membership and I got the runaround that they don't correct mistakes they did tell me that they see it in the credit works profile but that's handled by regular special services dept this is affecting me because some lenders think I have late payments on my experian report but I dont

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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive had a credit card through XXXX XXXXXXXX XXXX XXXX for over a year. The lender has not reported to Equifax an information for the entire duration. Ive contacted both XXXX and Equifax about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Applied for a refi to existing home mortgage with LoanDepot in XXXX. 
The loan officer was professional and helpful and gave me a great rate ( 1.85 apr ). 
The loan went to underwriting before XXXX. Once in underwriting communication was poor. I emailed various people listed as my contacts plus I called the help center numerous times. 
A closing date was set but the notary did not show up at my house and LoanDepot did not inform me that the notary would not show up. In late XXXX or early XXXX, LoanDepot sent me a final disclosure statement to review. The statement did not reflect the correct payoff balance with my existing mortgage ( and overstated the loan amount as a result ), having missed the last two payments I had made. 
Finally after several messages from me, they corrected the disclosure statement by keeping the loan amount, term, apr the same as on the previous disclosures, but increasing the cash amount due to borrower. I would have preferred the amount borrowed to have decreased, but the way they did it was mathematically correct, so I told them the disclosure was correct. A notary was sent to my house, numerous documents were signed and we closed on the loan. 
However, three days later I received a new disclosure statement with all amounts the same except the amount due to borrower was significantly reduced. I called LoanDepot to ask how could they change the disclosure statement that was formally signed just three days ago and with incorrect amounts listed. The person I talked to said she was some kind of super person with LoanDepot and she reduced the amount due to borrower because this was not a payout loan, and the statement would be corrected later. 
I said I could not trust LoanDepot to correct this timely. She said it would be corrected by the end of the day. Two days later it was still not corrected. And I told her and the loan officer when he called later, that I could not trust LoanDepot, I did not want to waste anymore time with them and to cancel my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
There are 7 collections accounts from MEDICREDIT physicians Billing. These are duplicate entries as both are the same account numbers and the same amount owed. 


The first items are {$420.00}, account number beginning XXXX, there are two, same date, same account number, and same amount. 

Next items : {$300.00} for three items, same dates, different billers listed XXXX XXXXXXXX XXXX. 

I would like these collections removed as I had no knowledge and they are all duplicate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear NATIONAL RECOVERY AGENCY/ XXXX XXXX ; I was really shocked and surprised over the weekend when I refresh my credit and noticed an account from XXXX XXXX  that was originally removed from my credit with debt buyer XXXX XXXX XXXX XXXX Now it has a different account number and a " OPENED DATE '' of XX/XX/2021. I'm certain that this is a violaiton of both fcra and fdcpa and I never had any prior relationship with either of these companies listed. 

Again, I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-07-12 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: FL

Complaint narrative:
I received a reduced balance pay off opportunity from Convergent Outsourcing regarding a XXXX account. I wasn't aware of any debt with XXXX and by extension wasn't aware of any debt with convergent outsourcing. I sent a very detailed letter to Convergent on XXXX XXXX requesting validation. I requested several documents to validate the debt one of which included a original contract bearing a signature ( see attached letter for full details ). Convergent was not able to produce an original contract or any contract at all. Instead all that was provided was a bill. Which was not sufficient. 

In addition, Convergent outsourcing has violated my consumer rights under the FDCPA. I was not informed of my right to request validation, I was not informed that unless I dispute the validity of the debt within 30 days it would be assumed to be valid. Particularly Convergent outsourcing violated 15 USC 1692g ( a ) ( 4 ) and 15 USC 1692g ( a ) ( 5 ). This was not provided in there initial communication nor 5 days after initial communication as stated by law ( also attached ). 

Convergent outsourcing provided a document containing the states within which they are licensed to collect ( attached ). The state of Florida is not listed and therefore they are also illegally attempted to collect a debt in a state which they aren't licensed.

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 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

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 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My purse was stolen from my car & all my personal information was in it. I have now noticed that someone has been attempting to open accounts in my name.

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 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Have an AMX card for over 32 years. Always pay on time and in full. Paid a date late XX/XX/XXXX XXXX bill due XX/XX/XXXX was charged a late fee of {$29.00} plus {$8.00} in interest for this. Was informed that they couldnt change or correct because it was a system thing. Some restitution was discussed but morally I believe that AMX in this time of the virus and financial struggling times should not try to rip off its customers, especially those with my good standing and years of commitment. Would like to know if customers have no protection against this, especially in times of COVID-19 and the present financial conditions?

Company response to consumer: Closed with monetary relief