vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX I am submitting this complaint without any influence from any third party or agency. 

On XX/XX/XXXX, I asserted my claim to the instrument and proceeds exceeding any balance over {$1.00} to be credited back to me, as described in 12 CFR 226.11. When this letter was sent the balance that was on my credit card account with BOA was {$500.00}. I made a payment of {$50.00} and made a purchase which then left my balance at {$470.00}. 

I received a letter back from BOA, which I have attached to this complaint, which was dated XX/XX/XXXX, that says as of the date of this letter, the account doesn't currently have a credit balance. The same day that I received this letter, I received my new statement which was from XX/XX/XXXX thru XX/XX/XXXX. This statement is attached to this complaint as well. 

This statement shows that there is indeed a balance of {$470.00}. The letter that they sent to be proves that they violated 12 CFR 226.11. I requested for them to credit me back and the lied and stated there was no balance. I have since sent another letter, certified mail receipt attached, with the evidence that there is a balance on my account, a copy of the letter that they sent to me and a 2nd letter that specifically outlines the amount that I am requesting to have credited back to me within 7 business days from the receipt of this written request.

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 2022-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing this complaint and there is no third party involved. This company Equifax is very deceptive and unfair, they keep ignoring the situation based on the istrunction I'm giving them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me and send me the same document asking for Proof of Identity. I sent them my SSC, my Florida ID, and a bill with my current address and they keep coming out with the same excuse that they need to verify my identity, ( document they sent attached ) They already sent it to me 3 times. later on I found out that Equifax like to use that technique to ignore the letter consumers send. This is my privacy and I take very serious and if Equifax wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. Equifax broke the law and they keep doing thing with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW eQUIFAX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how Equifax often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. I don't want the same thing happen to me. I need Equifax to take responsibility and stop sending me the same document avoiding everything IM asking for ... Im attaching all the copies that I have sent to equifax, attached with my social security card, ID and proof of Address.XXXX Lets see what will be the excuse this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I discovered several medical debts on my credit report in XXXX, XXXX. I submitted an identity theft report to all credit bureaus. This fraudulent debt from XXXX XXXX was placed with debt collector named XXXX and was removed. In XXXX of XXXX, a debt collector called Commonwealth Financial placed the debt in my credit report without notice or an opportunity to dispute the debt in violation of the FDCPA and FCRA. On XX/XX/XXXX after receiving notice of my identity theft report the debt collector, Commonwealth Financial unlawfully verified the debt. The debt is fraudulent and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I have submitted a XXXX XXXX XXXX ( XXXX ) to Fed Loans and they have not updated my payment count to reflect my previous counts prior to consolidation ( XXXX ). I called today and spoke with XXXX ID # XXXX and he hung up the phone. I called back and spoke to XXXX ID # XXXX and she told me that she needed to transfer me to XXXX XXXX XXXX XXXX ( PSLF ) area. I was then spoke with XXXX ID # XXXX and she said that she was not in XXXX and she transferred me to XXXX ID # XXXX and she basically told me that Department Of Education ( DOE ) will make the updated payment counts and they have no control over payment counts. She went on to tell me that it is nothing that I can do. Her nonchalant attitude prompt me to ask for a supervisor. At this point, I spoke with XXXX ID # XXXX and she said she was with the Service Recovery Line and that the payment count would be updated by DOE because they are overwhelmed with calls right now and DOE is focused on everyone 's loans at this point. 

They consistently pointed out that they are ending their contract. Why not end it now, so I can get the appropriate paperwork completed on my loans before the program ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I received a Sewer and Trash bill in XX/XX/2021. I contacted my mortgage company known as XXXX in XX/XX/2021. I advised them of the bill and faxed the bill and other paperwork to them on XX/XX/2021. The bill at that time was {$580.00}. I was advised the bill would be forwarded to the Tax Dept. I received a letter from the Court in XX/XX/2021 that a Lien was placed on my house due to non-payment of sewer and trash fees. Since XXXX of XXXX  I have been calling my mortgage company and have gotten nowhere. I've been advised by my mortgage company that a {$850.00} check was sent on XX/XX/XXXX to settle the bill. As of today 's date, my mortgage company has been unable to confirm the check was cashed. I have also received nothing in the mail that the Lien was removed. I would like this resolved since I am tired of calling the mortgage company and getting nowhere,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Benchmark Capital Management, LLC
State: MI

Complaint narrative:
My conventional mortgage is through West Michigan private Capital fund. I fell behind because of the coronavirus and was unable to collect unemployment or any stimulus money. During the 2021 calendar year I paid close to {$13000.00} in mortgage payments where my note is only supposed to be {$760.00} per month to include taxes and insurance. As of XXXX the CFO of West Michigan private Capital fund stated that I am still a couple thousand dollars in rear edge on my mortgage. I do not know how this could be. I have asked for statements and I have not received any the only thing I have ever received from this company is default notice. I do not know how to even get any more information on this mortgage because the mortgage company spins me in circles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have previously submitted a complaint to Navy Federal Credit Union on XX/XX/2021 ( Complaint ID : XXXX ) about denying me an extension of my own credit. As stated in 15 U.S. Code 1691 ( a ), it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. An adverse action, as defined in 15 U.S. Code 1691 ( d ) ( 6 ), is a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. This further supports the fact that I was discriminated against and violated as a federally protected consumer under Title 15 Chapter 41 and that it is unlawful to deny me an extension of my own credit. Navy Federal Credit Union has not replied to any complaint that I have submitted and has surpassed the 30 days of investigation into this situation. I DEMAND that this issue be resolved as soon as possible and that the remedy I ask for is fulfilled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Westlake Financial Services is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Westlake Financial Services did not give me notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( 3 ). I am the consumer and the only one that can validate my obligation to any alleged debt pursuant to 15 USC 1692g, I have requested that Westlake Financial cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I have also requested the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b ).

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 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
Sentry recovery and collec states I owe for an apartment I never lived at nor rented. I've tried to dispute it and nothing changed. I lived at XXXX XXXX XXXX XXXX. This is not my account and someone opened this account fraudulently. I need this removed from my credit report

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 2022-01-27 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: FL

Complaint narrative:
I have been a victim of fraudulent activity, and this has hurt my credit which is making it hard for me to apply for any assistance,

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 2022-01-27 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: MI

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I sent a cease and desist letter to XXXX XXXX XXXX. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.

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 2022-01-27 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: CA

Complaint narrative:
Cracked since the data breach of XXXX I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with arthritis charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a TC reports all three of their different platforms unless you are a paid customer?

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 2022-01-27 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-01-27 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: I.C. System, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent a cease and desist letter to IC Systems. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. 

This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.

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 2022-01-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Debt Validation Notice ( 15 U.S.Code 1692g ) XX/XX/2022 Re : ACCOUNT NUMBER : XXXX Dear, Great Lakes Educational Loan Services , Inc . 

I am a natural person and federally protected consumer pursuant to 15 U.S.Code 1692a ( 3 ). This is my written notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation