vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
XXXX and XXXX XXXX CFPB complaint against Community Loan Servicing formerly Bayview Loan Servicing Loan number ending in XXXX COVID forbearance was requested and granted in XX/XX/XXXX. XXXX of XXXX we were able to resume payments, but we were not able to pay the arrears. XXXX was laid off due to COVID and the 2nd forbearance was granted in XX/XX/XXXX. 
We believe the offer presented XX/XX/XXXX was not fair and did not meet the XXXXOVID relief guidelines. The letter stated forbearance would end soon. We were not given 30 days notice of the end of the forbearance. Letter attached A letter was dated XX/XX/XXXX stating forbearance would end XX/XX/XXXX. The letter was received until XX/XX/XXXX. 
A letter was dated XX/XX/XXXX showing our payoff balance and interest was being charged during the forbearance. 
A letter was dated XX/XX/XXXX stating forbearance ended XX/XX/XXXX and if we wanted to extend, we had to reply by XX/XX/XXXX. XXXX attached. 
A letter dated XX/XX/XXXX was a loan modification proposal. We believe this proposal is not fair. 
We are having difficulty contacting CLS. We were not given a dedicated agent to handle our mortgage issue. We worked with XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. XXXX did speak to XXXX on XX/XX/XXXX @ XXXX XXXX  and requested the forbearance continue. XXXX stated there were 700 days remaining on the forbearance. XXXX asked about the partial claim option and XXXX stated he did not know the anything about the COVID waterfall. XXXX XXXX, HUD certified housing counselor, was on the call. XXXX emailed the company and XXXX XX/XX/XXXX requesting they remain on forbearance. 
We have made mortgage payments in XX/XX/XXXX of {$620.00} and XXXX {$600.00}. We have less than {$8000.00} to pay off our mortgage. We are asking for fair repayment plan according to the COVID Relief guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLIANT CREDIT UNION
State: UT

Complaint narrative:
In XX/XX/2021 I refinanced my home and as part of that process paid off this loan. The title company sent the check to XXXX XXXX and the check shows it was deposited by the company. They did not associate the payment with my account and two weeks later I called to check in on the issue. I've been calling all week and spent, on average, an hour a day on hold waiting to talk to escalated people who never resolve the issue. I provided copies of the deposited check and they have admitted they deposited the check and misrouted the payment. However, it is still not resolved and now I am not only out the {$10000.00} but they have continued to charge me interest daily on their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: AR

Complaint narrative:
1. Unlawful Collection Practices & Extortion 2. Violation of HIPPA 3. No Contract or agreement with Client Services Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing my Bank of America HELOC loan ACCOUNT # XXXX. 

Bank of America Home Loans has notified me multiple times that my HELOC mortgage is at a zero balance. Multiple times they have offered to mail me a paid in full letter and release of lien letter. I have written correspondence dated XX/XX/2016, from Bank of America XXXX Home Equity Line of Credit servicing company, stipulating the following : If you have a second mortgage Once your first mortgage is permanently modified under HAMP, a second mortgage on the same property may be eligible for a modification under the Second Lien Modification Program ( 2MP ). 

My lender advised me numerous times that my HELOC had a XXXX balance and had been charged off and that my debt on the referenced account was eligible under the United States Treasury 2MP guidelines for a full extinguishment of my HELOC loan. 

I have been misled, decided, and discriminated by Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NC

Complaint narrative:
I called Equifax XX/XX/2021 to update personal information and have adverse information removed from my consumer report. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. A total of three agents also refused to remove adverse information and reports that I never provided written instructions for Equifax to furnish to their consumer reports pursuant to USC 15 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. American Express Index XXXX. 

I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by XXXX debt buyer attorneys. I have never received any information regarding anything from this XXXX at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. 
I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. 

4. Identity Theft NAVY FCU Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I sent a letter to Security Credit Services on XX/XX/2021 requesting verification of a supposed debt being collected by Security Credit Services. I have yet to receive any documentation verifying this debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: VT

Complaint narrative:
For reference, the mortgage providing company ( XXXX ) that I have been working with is a third party that connects me to other lenders. On the morning of XXXX, XXXX, on their website, I received a very attractive refinancing rate of 15yr at 1.75 % with a lending credit of {$6700.00}. A rate that they pull directly from the lending company ( Caliber Home XXXX ) that they work with. I applied for the rate and provided all the required paperwork for the loan. I signed a loan disclosure that contains the rate information. In the evening, I received a call from a credible loan officer saying that the rates provided to them from Caliber Home XXXX was a mistake. Caliber has published these numbers in the morning for 2 hours before realizing that it was a mistake and then took it down. I told the loan officer if he could look into it with Caliber to see if they would own up to their mistake and honor the rate that they advertised. Of course Caliber replied to the Credible loan officer this morning saying that they would not honor the rate. The difference between their current rate and the falsely advertised rate is about {$14000.00} worth of points. I have only attached the loan rate portion of the loan disclosure document since the document itself is above the size limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CT

Complaint narrative:
I be victim of fraud identity theft 3 account and a car loan car dealership over charge XXXX dollar for original price agree the credit account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX balance whem a request the contract car price is XXXX they send me a totally different contract a never see before whem the car value is XXXX XXXX XXXX XXXX is out of business made impossible contact the person made the contract a comict the fraud Experian dont remove or investigate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
For cryptocurrency exchange Gemini Trust Company , LLC, Address : XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Going back before XX/XX/2021 I had contacted them as they blocked my account for suspicious activity. After repeated helpdesk requests I was able to logon to my account and noticed my balance of approx. {$29000.00} was missing. I made additional help desk requests to what happened to my balance but they never even to today responded to my request. At that point I submitted a complaint to the NY XXXX  and they got a negative to they were working on my complaint response. 
I then filed a complaint with the New York State Department of Financial Services who has authority over Gemini. I received a negative response as I wasn't a NY consumer, I live in Virginia and I did all my business with Gemini using their web site. 
I then filed another complaint with the Virginia Bureau of Financial Institutions who have contacted me and are working my case. They suggested I file a complaint with you the CFPB which this is. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2021 I attempted ( at least 10 times, to make a XXXX XXXX purchase on the XXXX XXXX site of {$320.00}. I had to use another credit card to make the purchase! I called the number on the card to find out what the problem was. The representative could not help me and I spoke to a supervisor, and that person could not explain it. I told her then to send me another card that I could use. I have not been able to use this card since the previous annual fee yea,. Why would I again be billed for another annual fee for a card that was not useable? I missed out on the purchase miles ( the reason I have the card ) and now SNYCB wants to charge another annual fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I received a call from XXXX XXXX XXXX and the phone number was XXXX XXXX XXXX XXXX. A female individual stated I have a debt of roughly {$600.00} to pay for a creditor called Check N Go and to prevent potential legal action she asked if I wanted to take care of this. I told them I do not recognize this debt, asked for validation of debt and that an individual from XXXX, XXXX XXXX XXXX tried to collect on this debt back in XX/XX/2021 and was threatening to sue me. The lady from XXXX told me that that was a different firm and they probably passed my debt onto their company because my debt was deemed " uncollectable ''. So I proceeded to ask this lady for proof and validation of this debt. I also asked for a letter from them because I have no idea who they are and what this debt is for. The individual took my email down and stated she would be sending me documentation through email. 

The only documentation this company has sent me is what appears to be a demand letter with reference number XXXX. I have not been provided any validation of debt. There is no proof this debt even exists and they have told me that potential legal action could take place. 

This debt has gone from XXXX, XXXX XXXX XXXX XXXX https : //jacobrossassociates.com/ XXXX ) to where I was potentially being served an MSJ for roughly {$2000.00} to now being told there's potential legal action from XXXX XXXX XXXX for roughly {$600.00} on a debt I don't even recognize. These are potential violations of the FDCPA and the fact none of them can provide me validation of debt is beyond concerning. 

I will potentially be speaking to attorneys in regards to this matter because this appears to be unfair and deceptive abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My credit file shows that someone applied for a credit card at XXXX XXXX without my consent. I have no interest in having credit with that 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 explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.

Complaint narrative:
Iv declared attempts of fraud on my credit file to Equifax to have them removed from my report as " inquiries '' and 1 year later still present on my reports. 
So i try to call costomer service to make a complaint and i never get through to a representative, Everytime i attempt to re open my credit report file the password no longer fonctional and i have to reset it and keep having to enter my personal information online to regain access, and sure enough, the very next time i use the same password its " incorrect " And i can never get any help for a service that i have paid for! XXXX $ a month in the trash gor years!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. XXXX  sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( XXXX  ) XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$790.00} # XXXX this account is NOT mine. Inquiries XXXX/XXXX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXXA, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine. ( Transunion ) XX/XX/XXXX XXXX XXXX XXXX  {$790.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX this account is NOT mine. ( XXXX  ) XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. Inquiries : XX/XX/XXXX, XXXX XXXX  NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NOT mine, XXXX XXXX XXXXXXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. XXXX  sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( XXXX  ) XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$790.00} # XXXX this account is NOT mine. Inquiries XXXX/XXXX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine. ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX {$790.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX this account is NOT mine. ( Equifax ) XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. Inquiries : XX/XX/XXXX, XXXX XXXX  NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NOT mine, XXXX XXXX XXXXXXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Lending Club Corp
State: PA

Complaint narrative:
I have these accounts that are not mine and i want it to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation