vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BCG Equities, LLC
State: IL

Complaint narrative:
This is a complaint against the following companies : Loan Originator : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Debt Collector who purchased the original loan from the Loan Originator : BCG Equities , LLC, XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Collection Agency acting on behalf of the above Debt Collector : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX Summary of Complaint : This loan was taken out in XX/XX/XXXX in the state of Wisconsin. I settled the original amount but they tried to collect an additional amount of {$4400.00} ( in interest at an extremely exorbitant rate exceeding 400 % ). The " collection '' was sold to BCG Equities and they attempted to collect it in XXXX by harassing me with multiple letters, e-mail and phone calls. It is important to note that they were attempting to collect on this loan past the 6 year statute of limitations for the state of Wisconsin. I sent them multiple cease and desist letters.In retialition, they added a collection account to my credit report which I disputed with all the credit agencies and successfully removed. Their collection letters noted that this debt was outside the statute of limitations yet they were continuing to harass me. 

It is now XX/XX/XXXX, and they have hired a Collection Agency to act on their behalf to collect this same " debt '', by sending me e-mails and calling me on a regular basis requesting payment. I have just sent another of several cease and desist letters to both Collection Agencies noted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
WHAT HAPPENED : Bank of America put a XXXX business day XXXXday hold on a check when my funds were low claiming suspicious activity on the issuer, an XXXX XXXX Company banking with XXXX XXXX Bank . 

MY MAIN CONCERN : I have deposited multiple checks from this company in the past with Bank of America ; this is the first time they have suspicions of the issuer. In the past, I have near always had XXXX in checking at the time of depositing the aforementioned checks from this issuer ( according to bank XXXX total ). This time I had {$40.00} - and pending charges I was assuming this check ( {$1700.00} ) would cover, in holding this check they have charged my account {$70.00} in overdraft charges. 

BANK OF AMERICAS RESPONSE : In calling I was told XXXX  days into the hold that the money would be available the next day after XXXX pm, that was yesterday and still no money. I did call to complain about the overdrafts and was told there would be a removal of the overdraft fee and that I would not be responsible for any further overdraft charges during check hold ; however, I just received yet another charge. 

Bank of America keeps you on hold for XXXX minutes each time I called to resolve these charges, they are difficult to work with and I can not help but think they profiled my account before holding this check as it would result in multiple overdraft charges.

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 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated. Have also sent cease and desist letters company continues to Harrass me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Repeated phone calls and this is a work phone I am a first responder. 


SWC Group

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TX

Complaint narrative:
Company refusing to process previous complaint. Letter was mailed out on XX/XX//2021 to dispute items. Investigation has been over 30 days and my dispute is still not addressed.

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 2022-01-28 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: NC

Complaint narrative:
Since XX/XX/XXXX, Equifax has deleted or removed my entire credit history and my credit file from being accessed or viewed. Today, XX/XX/XXXX, I replied to preapproved offers based on my XXXX credit score being XXXX and being a member of XXXX XXXX XXXX XXXX I was preapproved for two confirmed credit offers. When I used my preapproval code to submit the application, it was rejected due to the number one reason being insufficient credit history. This is the issue that I am having with equifax. I am XXXX XXXX XXXX with a credit history that goes back to XXXX. My credit accounts from the XXXX are still open and are currently in good standing in my entire history and mortgage, and auto loans have disappeared. This is left my credit score as a zero or nonexistent and creditors and banks are unable to access my credit file thats making me in eligible for receiving credit. 

I just spoke with the manager at XXXX XXXX XXXX and they informed me that within their software confines when they attempt to pull my Equifax report, it shows is nonexistent and it is blank, only showing my first and last name. XXXX uses a Equifax to qualify applicants, but Equifax has deleted my entire credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: LEXISNEXIS
State: IL

Complaint narrative:
My information was stolen years ago and I've had to file several reports to remove the inaccurate accounts from my credit file. No results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
There is a collections account that is reporting to my credit weekly for Sunrise Credit / XXXX XXXX XXXX for {$810.00} for equipment that was returned. I have a receipt from XXXX for the XXXX XXXX XXXX XXXX return receipt # XXXX. This is a violation of the FCRA. I want this removed from my credit report immediately or I am prepared to go to court and sue over the damages. You are affecting my credit score on fraudulent charges.

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 2022-01-28 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:
A bankruptcy is not allowed on my credit report after file date for more than 10 years. This is wrongful hurt to an individual when they allow it to stay on longer. Experian will not remove even though the other 2 credit reporting agencies did. This is vengeful on their part and Im not going to allow it.

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 2022-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
My lender has been applying my payment to interest only and splitting the loans applying daily interest and charging me for the balance of the total loan offered. Despite the fact that I returned or only borrowed a portion of the original loan. My consolidation company has used the amount of all loans and applying that rate toward interest, by doing so the loan has been extended numerous times. I have been paying for this loan since 2006 and the loan balance has not changed. They are churning and creating new loans and using my original agreement to extend the contracts for another loan. This has happened numerous times as the original loans were for 72 months. I did not agree nor was I advised that this would be happening for the next 14 years of my life. I have tried to work with them but they offer a new loan agreement which would extend my loan payments further and do not offer to change original terms. As a private loan servicer they have no government oversight as consumers we have no rights or ability to change anything they only offer more loan products to extend the life of the loan and we are penalized for making payments late and or not agreeing to their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
On they Year 2018, I went to the US with an Exchange Student XXXX Visa Program. We had our Apartment ( XXXX Apartments ) at XXXX XXXX XXXX XXXX XXXX Florida XXXX. I vacated the premises within 6 months of staying and they did have me cleared. I shared it with a few people on the same program as I was. And they were the ones who stayed until XXXX of the next year. BUT THIS HAS BEEN THE XXXX TIME THEY HAVE BEEN TRYING TO COLLECT PAYMENTS FROM ME. And what I do not appreciate is them locating me where ever I am trying to get me to pay. I DO NOT THINK IT IS SAFE FOR ME THAT THEY ACTUALLY TRACK MY LOCATION AND ADDRESS. You see, I did call the property itself to clear things out XXXX  years ago and NO ONE COULD EXPLAIN TO ME WHAT IS GOING ON. And this is now the XXXX collection company that had contacted me. THIS IS INVASION OF PRIVACY ALREADY. I did tell them if there are any issues I would need to speak with with the property office themselves and have them send me all the contracts I did sign and whatever I do owe. But no one could provide me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: TX

Complaint narrative:
There is an inquiry about a XXXX credit card with USbank that has shown up on my credit report on XX/XX/22. I did not apply for this card and it was applied for under the incorrect 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 non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
Hello, I have a conventional loan through UWM, United wholesale mortgage. In XXXX I requested the process from them to remove XXXX, XXXX XXXX XXXX. I got around to submitting the required information through email. Previously I was told it had to go through mail but after receiving instructions through their portal ( I still have record ) its stated Alternatively the request and any additional information may be sent to XXXX Due to these instructions I submitted the request and required information to start the process of XXXX  removal. My XXXX ratio is well over below 80 % and shouldnt need an appraisal but I was ready to do so. This request was submitted XX/XX/24. I was told they had 30 days to respond. After 30 days I followed up after not hearing anything and they then asked for the information I had already provided. I was blown away that I was submitting the information again. They then said it would take another 30 days. 

I now have wait a total of 60 days and have been told I wont have an answer until XXXX. I have reach out directly to the XXXX  administration and UWM multiple times with no clear path to resolution. 

At this point I feel they are holding me captive to a unneeded insurance that I am trying to terminate. I have paid several hundred in extra XXXX  insurance and have had no clear communication as to why my request is not being taken seriously. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was stolen years ago and I've had to file several reports to remove the inaccurate accounts from my credit file. No results.

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 2022-01-28 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: CBC Companies, Inc.
State: IL

Complaint narrative:
My information was stolen years ago and I've had to file several reports to remove the inaccurate accounts from my credit file. No results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
I have contacted Apple/ Goldman Sachs many times over in the last two months to solve a problem I have with a bank transfer from XXXX XXXX Apple . 

XX/XX/XXXX I attempted to complete a bank transfer from XXXX to my Apple account to lower my interest from 16 % to 0 % for 18 months. 

The bank transfer was shown as completed on my XXXX XXXX XXXX Credit Card # XXXX for a {$2000.00} debit. 

The debit to my Apple Card did not happen so I called Apple ( as XXXX suggested ) and was told that they dont accept Balance transfers???? Okay, well then I thought that the {$2000.00} would then be credited back to my XXXX account. 

This attempt to transfer was on XX/XX/XXXX. I have filed 2 disputes with Apple and XXXX. Both banks returned the disputes accusing the other for the problem! XXXX says that Apple received the $ $ $ while Apple says that they never cashed the $ $ when they received it from XXXX Its been two months Ive been waiting for a resolution. Seriously, it is XXXX. Am I to assume banks cant work together, for the consumer, in solving what I consider a pretty easy dispute. Am I just supposed to roll over and say forget it? Im retired and really dont have that luxury. 

I understood, by my misguided knowledge of banking, that the money {$2000.00} that was debited on my card would be a credit on or near XX/XX/XXXX when it was denied. It really doesnt matter in this case that there was Proof of Payment but WAS THE PAYMENT ACCEPTED. It was not. 

I have documentation of phone calls since early XXXX to billing disputes that total XXXX minutes that I can verify by our carrier XXXX. 


The situation that needs to be settled is : Who has the {$2000.00}. XXXX or Apple? 
Who cashed it or didnt cash it where is it now? My XXXX credit card is showing a {$2000.00} debit, I NEED for these two banks to figure it out. 

I have also filed a dispute with the FDIC, as well. I will file publicly on XXXX and any other high profile website or other social media if I need to. 

What further action do I need to do to settle this? 

Please respond with acknowledgement of this email. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 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: NY

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I received a credit card bill from XXXX XXXX. I have never used XXXX XXXX and never had a charge account with them and do not have a card in my possession from them. I called to dispute the charges and the customer service representative stated that the purchase was mailed and sent to somewhere in Alabama for perfume. I explained I don't have a card, have never shopped with them, never authorized credit for them and have never signed anything for them. They want my signature to dispute the charge instead of taking the information. My thoughts is that then they will have a signature to use along with the other information they apparently have on me. This is a common scam reported all over the internet but I do not want a {$90.00} charge to affect my credit score ( which sits around 840 right now ). This is fraud, it is a fraudulent charge and I have no idea what my recourse is to get this removed. I requested that they flag and close the account since it wasn't requested by me nor do I know anything about it and they refused. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I called and requested a loan modification on my FHA loan back in XXXX of XXXX and was denied and told the specific company XXXX  didnt offer loan modifications. I was sent a letter of acceleration today XX/XX/XXXX dated for XX/XX/XXXX stating that in 45 days my loan was to be made current with the {$4500.00} paid otherwise it would be accelerated. I had someone from XXXX contact them stating that I would like to request a loan modification or a partial payment, I was then notified that I couldnt do a loan modification due to my loan being a mortgage revenue bond. The lady from XXXX then requested for a partial payment and was told that one was already approved then after speaking with us for a while we were told I had to send in a third party authorization in order for them to speak with her. We then sent in the third party authorization and were told that they still couldnt speak to us because they hadnt received the third party authorization yet. We will be contacting them again on Tuesday XX/XX/XXXX to find out about getting a partial payment since I have been denied a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a natural person ; consumer. I am aware that this company is attempting to coerce me into paying an alleged debt I do not owe furthermore violating my federally protected rights. Please review the attachment to see my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing in regards to the service of credit reporting with Transunion. I log into my account with my personal credentials and when I click to view my credit report an error message pops up stating that I am unable to view my credit report. I would like to state that i have made several calls to Transunion and what they tell me is that their are XXXX accounts with the same name and that is why they can't allow me to access my account. Transunion takes the time to ask me for my full name, my birthday, my SSN and my residential address and it's confirmed that the info I am providing is correct and they access my account on their end. So, as I use my credentials and personal info to login to my account, I should be able to see my credit report. Based on the Fair Credit Reporting Act, It is my right to view my credit report. It is my right to know what is being put into an account that I never authorized to add my personal, work, business, loan or credit information on there in the first place. If I can't have access to my report when I log into my account, I don't want any information pertaining to me on Transunion. This is My formal complaint against Transunion.

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