vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America is charging me 30 % in interest. They are not willing to work with me. I have been very sick. I always paid on time. I have four accounts with the bank. I was never late until I got sick in XXXX. I got behind on my one card. I made a payment in XXXX to bring my balance down to {$12000.00}. It is now {$12000.00}. I called on Monday XX/XX/2021 to get some help. They refused. They had me down as being deceased. I asked if they could stop the bleeding with the late charge and interest and they refused. I had to call to get that corrected twice. They advised that they can not help till it gets 6 months past due. PLEASE HELP STOP THE BLEEDING. STOP THE HIGH INTEREST RATE OF 30 % AND LATE CHARGES. I HAVE BEEN SICK WITH COVID AND HAD A XXXX XXXX. THEY REFUSE TO HELP

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 2021-07-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have been disputing and sending letters to the bureaus and they have done nothing. I have received no letters or seen any updates to my credit. I will attach letters I send previously but there have been more.

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 2021-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is one account on my credit report that is not mine I dont know where it comes from or why its on my report I have no account like this I have not signed or authorized anything like this. 

XXXX XXXX - Acct # XXXX Amt {$300.00} Opened XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I had an outstanding balance with XXXX that I settled with XXXX XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX I got a collection letter from Convergent regarding the same account. I initially thought it was sent in error since I didn't pay attention that it was a different collector, I just saw it was the XXXX acct & I had already gotten a proof of payment letter back in XX/XX/XXXX & with everything that was going on in the world I really just forgot about it. When I got another letter that's when I noticed it was from a different collector. I checked my credit report & saw the amount was back on my report but now Convergent was the name on it. I called Convergent in XXXX to get info & between speaking to them & XXXX several times I was eventually told my account was sent to Convergent from XXXX in XX/XX/XXXX because at that point it was still showing as owed in XXXX XXXX because that was before they received the confirmation of amount paid from XXXX XXXX. I spoke to someone at XXXX I was told was manager in the account recovery dept ( not sure if that was the exact name but was told they were dept that handled old accts that are sent to creditors ) & she verified she saw the amt on that account was paid in full & I had no outstanding balance with XXXX. Since XXXX I have made several calls, pretty much once every 4-6 weeks, to Convergent & have sent any & every document they request as proof of payment ( bank statements, proof of payment letter from XXXX ) but all they do is put it off on XXXX, ask me to send more or re send the documents I sent previously saying they didn't receive but the previous person I spoke to just the weeks/month before had verified receipt & said they needed time to review & reach out to XXXX. I have spoken to who I was told was managers who say they will review & get back to me but not one time has anyone done what they said they would

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 2021-07-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have been disputing and sending letters to the bureaus and they have done nothing. I have received no letters or seen any updates to my credit. I will attach letters I send previously but there have been more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mortgage Connect LP
State: MA

Complaint narrative:
I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2021 with Mortgage Connect, LP who is utilizing XXXX XXXX Loans to service their " loan ''. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges and include insurance, but Mortgage Connect, LP made me purchase insurance separately.

Furthermore, Mortgage Connect, LP, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction including my right of rescission pursuant to 15 U.S. Code 1635 which states When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

Furthermore, pursuant to 15 U.S. Code 1635 ( b ) : within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. 

Attached below, my rescission notice dated XX/XX/2021.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TN

Complaint narrative:
I have resubmitted complaints against all 3 loan companies that I notified prior to XX/XX/XXXX and after my employment loss due to Covid that occurred on XX/XX/XXXX at which time I submitted all necessary unemployment insurance paperwork for the UI ins I purchased with the loans ; I have also filed complaints with you against each of my credit card companies that were notified, and still reported late payments from the period of XX/XX/XXXX through now ; I had contacted all 3 credit beauros regarding the errors as well, but these accounts are still not being reported properly. Im still unemployed and have contacted my local representatives and governors office to help me with my federal and state XXXX claims.

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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MO

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a complaint for timeshare company XXXX XXXX. We spoke with one of their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as representative & not a salesperson, claimed to not work on commission. They told us we're making good financial investment, that the investment would increase in value, they kept saying this was an investment repeatedly during the hours of the sales pitch, & promised us things would be positively different each time things got worse. We were told that it has some tax benefits. There were multiple times they said they needed " corporate '' approval in order to give me the price being offered like we're being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price. They never made us aware of the maintenance fees. At one point they took our ID during this process. We actually requested to cancel, but obviously they never cancelled it. This timeshare just doesn't help us at all & just adding financial difficulties, when we're still supporting our XXXX daughters ' education. We experience XXXX  due to this timeshare 's financial commitment & out inability to use the promises they made. We even lose sleep over the XXXX  caused by this timeshare. I'm sure we were profiled, being a XXXX  with adequate income. We had the worst experience with this timeshare, the hollow promises of multiple Florida resort options that had never been available as a XXXX member but still being responsible for all the finances for these five years. Not processing our cancellation request back in XXXX, promises that were never met, maintenance fees that we were never made aware of during sales & lastly the XXXX  & financial difficulties caused by this timeshare. We were simply defrauded & lied to. I wasn't able to provide XXXX 's email address but here 's their Contact Us page for reference : XXXX 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 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Amounts agreed to be paid were made timely, yet reported to all 3 major credit bureaus as missing payments, incorrect amount paid and several payments were maded late. Incessant amounts of phone calls and correspondence.

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 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northtown Capital Services Group LLC
State: MN

Complaint narrative:
On XX/XX/2021 I received a generic voicemail asking for my current address and employment. The voicemail did not disclose what the purpose of the call was for or why the info was needed. On XX/XX/2021 I received another voicemail from XXXX XXXX who asked the same questions and did not state the reasons why the personal info was needed. That same day a couple of friends and family members reported getting voicemails from XXXX XXXX asking the same questions about me. On XX/XX/2021 I tried to call the number from a blocked number to try to find the name of the company. XXXX answered and did not disclose the company name. I ended the call. She immediately called back and left a voicemail asking me to call her back letting me know the call was ended even though the number was blocked. I filed a complaint with the XXXX  on XX/XX/2021. One XX/XX/2021 I left XXXX a voicemail requesting a call back requesting the name of the company and the nature of the call. On XX/XX/2021 I called since I have not heard from her. The director, XXXX XXXX, answered the phone and proceeded to tell him since I filed a complaint with the XXXX  he would not talk to me. He said he responded to the XXXX. I checked the XXXX  and he did respond on XX/XX/2021 and it stated I could call him and he would be more than happy to explain what is going on, but yet when I call today he refused to provide any info. I have no idea why this company is calling me since they refuse to speak with me and no letter has been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. 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 contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent the initial affidavit and cease and deist demanding deletion of these alleged accounts on my consumer reports after learning these reporting agencies did not have written consent to furnish these accounts onto my report on XX/XX/2021 as well as a cease and desist demanding the consumer reporting agencies to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. The following alleged accounts are non-compliant, inaccurate, and unverifiable accounts that have not been certified under the testimony of facts. XXXX  is still reporting this alleged accounts on my private consumer report without my written consent per 15 USC 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, my name is XXXX, I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: RI

Complaint narrative:
Account 'frozen due to risk management ' since XX/XX/XXXX, have tried endlessly to contact them including providing documents upon documents that they requested from me until they just stopped responding via email. They have over {$500000.00} worth of my assets in the form of cryptocurrency on their platform and will not respond to anything. I have plenty of tickets and corresponding emails where they requested me for identification items that i submitted until they completely stopped responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My student loans had gone in default and were transferred to a collection company- back in XX/XX/XXXXI setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middleXX/XX/XXXX into my loans that are out of default and back to being processed through XXXX XXXX and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.

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 2021-07-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My student loans had gone in default and were transferred to a collection company- back in 2018 I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middle XXXX XXXX XXXX into my loans that are out of default and back to being processed through XXXX XXXX and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Nelnet, Inc.
State: TN

Complaint narrative:
My student loans had gone in default and were transferred to a collection company- back in XXXX  I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middle XXXX XXXX XXXX into my loans that are out of default and back to being processed through Great Lakes and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: FL

Complaint narrative:
After graduation, I contacted the discover student loan department to get on a payment plan and was manipulated to believe that as long as a made the minimum payment my principal loan amount and interest rate would not fluctuate and I would be safe from negative amortization. This apparently was not the case. My original XXXX student loan with XXXX % interest rate, resulted in my paying a total {$14000.00}. The total break down of that amount is as follows. Final principal interest paid is {$9100.00} and total interest paid is {$5600.00}. In return, trying to keep up with the accruing interest and principal while I was making their " minimum payment '' caused me to become financially unable to get on a payment plan with federal student loans. the result was the treasury department garnishing my 2018 tax return, in which, they took money from my child dependents which is against the law. I understand paying interest but the end result when I was making minimum payments allowed Discover student loans, over the course of 3 years to take advantage of my minimum payment situation. They did not look out for the borrower and then end result was an interest rate of XXXX %. In my opinion, this was malicious. I was forced to pay off the entire loan while my young family had to suffer from lack of money due to what had occurred. Even when I called back discover student loans on the phone the representative was shocked when he looked at my account.

Company response to consumer: Closed with explanation