vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
1. On XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX from XXXX XXXX  ( order number XXXX ), which I financed via XXXX XXXX by Affirm for {$490.00} XXXX. On XX/XX/XXXX, I received a confirmation email form Affirm/XXXX XXXX stating the following AutoPay Schedule with my XXXX XXXX : XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ( Affirm/XXXX XXXX Loan # XXXX ) XXXX. On XX/XX/XXXX my order was delivered and a few weeks later I started using the product XXXX. On XX/XX/XXXX I received confirmation from AffirmXXXX XXXX that, pursuant to my payment schedule, my final payment was successful and I had paid off my purchase in full XXXX. On XX/XX/XXXX I emailed the merchant to let them know that the device was not working correctly and requested a refund XXXX. On XX/XX/XXXX the merchant, despite the malfunctioning equipment, advised : " Unfortunately, your XXXX trial period expired on XX/XX/XXXX ( The device was delivered to you on XX/XX/XXXX ) and thus according to our policies, your product is not eligible for a return. '' 7. The matter was successfully disputed with XXXX in my favor XXXX. I received two emails from AffirmXXXX XXXX in XXXX stating my loan payments could not be successfully charged -- both of which I replied to, advising the state of the product, the attempted return, and the XXXX dispute resolution in may favor. No response was received. 
XXXX. On XX/XX/XXXX I received an email from AffirmXXXX XXXX advising : " Your loan XXXX has been charged off because you've had an overdue balance for XXXX or more days. '' XXXX. On XX/XX/XXXX I received an email form XXXX a debt collector, attempting to collect this invalid debt that I allegedly still owe to Affirm As the product is defective and the billing dispute was resolved in my favor by my bank, both the actions of Affirm and XXXX  are patently illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I am XXXX XXXX XXXX and I am sending this complaint without any third-parties involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the XXXX is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX credit bureau and found that this RMP, LLC ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on both XXXX and XXXX XXXX I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
As soon as i missed one payment from XXXXXXXX XXXX they started calling me and harassing me. 
They will call every single day 3-6 times a day. 
I have blocked so many numbers. 
It either comes up as XXXXXXXX XXXX Or Midland Credit or they will use a local number thinking  ill answer. 
I have blocked a ton of their numbers they still find a way to harass me. I have answered telling them to stop calling me and leave me alone they hung up and still call. They will not leave me alone. This is absurd i have way more documents showing how often they call. Its ridiculous. There is no reason to call someone so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
We were current prior to covid, We were affected by covid. 
XXXX XXXX were reviewing us for streamline mod, flex modification. It was in review for 30 days and said they would have a final decision prior to transfer because it would be within 30 days. They transfer the file to Fay servicing And they asked for a full modification package. 
I asked why they said it was bought by another investor. 
We submitted everything and then they said were not eligible for modification just foreclosure. 
I reviewed several complaints on this company. 
We make enough to make payments and need our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: AZ

Complaint narrative:
Lender provided me with a Loan Estimate on XX/XX/28 and refused to honor the rate on the Loan Estimate when I asked them to lock it just XXXX minutes after receiving. The manager in the email chain indicated the Loan Estimate didn't have today 's rate on it, even though it was dated that day. They should be disclosing accurate information with the correct rates if that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Alliance Acceptance Corp.
State: CA

Complaint narrative:
Alliance Acceptance Corp is reporting an incorrect payment history to XXXX. I got on a payment plan with Alliance and they agreed to report my account to the bureaus as current as long as I am making my payments which I am. XXXX from Alliance emailed me this to confirm. Please see attached our email thread. I also attached a copy of how XXXX is reporting this account. XXXX and XXXX are reporting correctly and XXXX needs to do the same.

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 2022-01-31 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
I understand that there is a law that states payday loan companies are not allowed to report an account in collections on your credit report. AD Astra Recovery is the company that has the collection listed on my credit report. The original creditor is Speedy Cash, which is a payday loan company. 
I have never received any communication from AD Astra regarding this account. They posted this as a collection account on my credit report in 2021.I recently learned about the law that states a payday company can not list a collection account on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I requested my Annual Credit Report recently. On it, there were XXXX accounts paid satisfactorily XXXX, XXXX, XXXX years ago respectively. Theses accounts should have been deleted after XXXX  years. I wrote Equifax a letter on XX/XX/21 requesting these accounts be deleted, and a new report issued. I received their response dated XX/XX/21, basically a form letter patting me on the head and saying they were working on it. Nothing has happened since,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Management Recovery Corp. (NMRC)
State: TN

Complaint narrative:
I received a call from not the local county clerks office telling me I needed to come down and sign papers that I was being charged with fraud with the outcome of having my license suspended. The number was spoofed because I called the number later and they said they had no record or would they call. They provided a case number and the number to call. Stating it was XXXX offices. I called the number which the lady answered " law offices '' and transferred me to their " legal department '' where the gentleman said I was being charged and the only way to prevent further action was to pay. After stating I am unable to pay anything but XXXX he then put me on hold and said " legal counsel '' offered three payment options, and that if I couldn't do anything of those I was basically out of luck. I was told they would seek legal judgment against, notify my employer I was being charged with fraud and they would also seek garnishment. I was pressured into making a hefty upfront payment out of fear, but now after further investigating I was duped into calling and making a payment that I do owe but the company misrepresented themselves and utilized a local number of my county clerks office to scare me into calling their fake law office. Now all the receipts reference NRMC and not a law office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CO

Complaint narrative:
XXXX XXXX Bank of America Refi DEBACLE. We started a refi with BOA and were especially wary because the last refi we tried, the account manager left the company and our refi never got locked in. This time around we tried again thinking as customers for XXXXyears that we would be in good hands. NOT the case. 
1. our new contact person was not knowledgeable. Would call me from a friends house where he was getting help on our refi. Would call me very late at night making me feel that I was not a priority to be worked on during business hours. Had me jump through SO many hoops that even my CPA put in a formal complaint.

2. Once the refi application went in, the adjusters took so insanely long that it held us up from just moving on to get a refi elsewhere. Rates started to climb and we wasted our time with BOA.

3. Ongoing lack of communication, complaints into the main number were how we got calls back. Finally a refund of an appraisal was issued when it was no longer transferrable due to the long time delay.

4. Even our letter stating we were declined the refi was never received and we had to call to find out what was taking so long. At that point we didn't want to go through the process again but were determined to not do business with BOA any longer and were motivated to take our mortgage elsewhere due to the back experience! We realized just how bad it had been with BOA, when we saw how EASY and SIMPLE it was with a local mortgage broker who helped us. For example : when I said to the new person, let 's do a XXXX ( like what BOA had us apply for ) he immediately said oh no you'll never get approved for a XXXX we have to do a 30 year. wow! just showed us how little our BOA person knew about refinancing. 
5. there are so many more examples but we're just plain worn out by BOA and thankfully moved our business elsewhere and got a refi approved with a new company!

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 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a late payment reporting on my credit report from XX/XX/2020 in which is inaccurate. I have never once been late on my payments for any of my accounts and actually this account is and has been set up on autopayment. i have spoke with someone way back when and was advised that they would remove it and it still 2 years later is reporting on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE

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 2022-01-31 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: WI

Complaint narrative:
Nelnet ( and the loan guarantor, XXXX  ) are both threatening collection action, call the loan and damage my credit history for an amount the claim is overdue, but I am actually paid ahead. 
Briefly, I am paid ahead to approximately XX/XX/XXXX. Nelnet claims that I am behind {$2400.00}, or that I started falling behind since XX/XX/XXXX. 

On XXXX, I received a call from Nelnet that I was behind over {$2500.00}. Since then, I have made 5 calls to Nelnet and 2 calls to XXXX to get clarification and resolve this issue since ( i ) not once in my online account 's dashboard did it ever say I was behind anytime in XXXX ; ( ii ) not a single monthly statement in XXXX showed I had a past amount due ; ( iii ) an account truly behind 9 months would have been reported already to a credit reporting agency and would have been transferred over to the guarantor ; ( iv ) and adding all of my payments in XXXX actually showed I was overpaid ( and still am ) since all of XXXX ; ( v ) no late fees have ever been assessed. 

I have offered to share my evidence of payments, but no one has been willing to sit down with me ( in person or virtually ) or receive the evidence via email, mail, etc. On XXXX, I spoke to XXXX, Account Manager ( payroll / # XXXX ) who discovered that someone, instead of updating my account to paid ahead to XXXX, actually typed XXXX. Everything unraveled from that point. However, she said it would be corrected within 24 hours by the accounting department ( or 48 if she had to take it to another department ). 

On XXXX, when I called, I received contradictory information in that the matter would take 8 business days to get a response. On XXXX, I received a letter dated XXXX that Nelnet was calling the loan and threatening credit harm if the " overdue '' amount is not paid by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Early this morning I logged onto myrushmoreloan.com to make my payment. I thought something went wrong and made the payment again. I ended up making the payment twice. 

I tried deleting the second payment but the system said I could not and to call. I called and was told that they could not cancel the scheduled payment even though it was set for the next day. I explained my mistake and can not afford both payments. Also, other bills are going to be due on first and they will bounce. They said their policy will not allow them to cancel the payment -- I found this very confusing - how can a company simply not delete payment? I argued with the representative 'Chason XXXX who was only doing what he could with his limited ability. He said someone will call me back - I said I would hold - and I did hold for XXXX hour and XXXX minutes and to be hung up on. 

Granted this was my mistake, however all they had to do was cancel the second payment. 

Do they have the right to hold to do this because of 'their ' policy? 

Now I am screwed for the start of this month. I will be paying fees on many bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and time has already passed but up until now, I havent heard any kind of response from XXXX and XXXX credit bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request regarding MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX ) with the account number XXXX. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I've already reached out to both the Bureaus and collection agency. However, they failed to do so, they are obliged to remove this item which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please investigate and remove this MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX ) from my account. This is causing my scores to drop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: DC

Complaint narrative:
I have contacted Rocket Mortgage five times in the past three weeks trying to apply for the CARES Act forbearance and each time they tell me to call back. They sent me a two page form that states I can fill it out with them over the phone but today when I called, XXXX said she can't fill it out. She said " everyone has been affected by COVID, so, how has it affected you? Loss of a job or something? '' I said I was applying for the CARES Act forbearance and I don't think they can ask about death in the family, etc and she wanted to process it as a foreclosure mitigation. Is that legal? Can she insist on asking about how COVID specifically impacted me? I'm only asking for the CARES Act forbearance, I shouldn't have to send in medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP
State: CA

Complaint narrative:
The following charges appeared on my account : {$2900.00} - XX/XX/2021 {$4200.00} - XX/XX/2021 {$1400.00} - XX/XX/2021 {$95.00} - XX/XX/2021 {$70.00} - XX/XX/2021 {$17.00} - XX/XX/2021 I reported these fraudulent charges to the company, and they reported that they believed the charges were valid. I requested rights to evidence used during the investigation on XX/XX/XXXX, as well as the opportunity to speak with the investigator. I have not received this information, and I have not been given the opportunity to speak to the investigator. Furthermore, they will not give me the phone number of the investigator, and they ask me to leave a phone number, which the investigator will call back, but he or she never does.

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 2022-01-31 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am writing to contest the fees applied to the final payment on our XXXX XXXX unit purchased from XXXX XXXX. XXXX and XXXX on XX/XX/XXXX. XXXX for {$12000.00}. 
The Financing was provided by Wells Fargo. 
I final payment was due on XX/XX/XXXX. 
1. I wanted to submit the payment directly though their system but could get support.

2. I then called an agent who confirmed that I had plenty of time to get it through by the XXXX 
3. I submitted the final payment for {$7000.00} I received confirmation payment was received on XX/XX/XXXX. 
4. See attached email.

5. I had no other communication with Wells Fargo, nor did I expect any, until I received a letter postmarked letter With all of the new chargers. 
6. The first Customer Service representative who told me that my bank refused the payment. That was later confirmed to be a lie by another agent who said they had rejected it. 
7. When received the letter, I resent the payment the same day. 
8. I am enclosing a copy of the most recent statement and the confirmation of the payment. 
9. Demand a refund amount of {$3300.00} 10. I have enclosed the following documents : a. The Conformation email of the original payment on XXXX and the current account summary. 

I have details to prove that I paid on time.

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