vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Spring Oaks Capital , LLC 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please see highlighted areas on attachments. 

How is it possible Experian investigated and verified the account but there are still inaccuracies showing if one creditor is reporting the same info? Negligence in reporting accuracy is proven here. Even after asking to investigate. For example, how can Experian report a 90 day late when also report perfect payment history? How can one report a Bankruptcy and months later report a charge off? Multiple violations. I feel as though Experian unfair reporting is violating my consumer rights willfully. Experian listing this inaccurate account info is hindering my personal life. Late payments, charge offs etc. are serious delinquencies. I cant qualify for a home loan or rental. This is negatively impacting my mental state and my children livelihood.

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 2021-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was in a forbearance due to job loss from convid and I was told the payments would be Ballon to end of loan so at the end of the foreberance I was offer a quick sale or lump sum payments not understanding trying to avoid foreclosure of my home please 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 2021-10-13 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/ I was given a loan of {$830.00} and on XX/XX/XXXX I was given a loan of {$620.00} both by the same company called Affirm or XXXX XXXX XXXX  as it says on the Loan term agreement. I made all my monthly payments on time and on was out of work due to COVID-19 and wasnt able to make the payment for XX/XX/2021 and was therefore reported to my XXXX XXXX  report. Overall I have paid off the entire debt Early I might add but am still plagued with this delinquent mark in my XXXX report. Ive asked Affirm to remove the mark and they didnt want to and I disputed it with XXXX and they still didnt remove and need this mark removed in order to purchase a home for my XXXX  girlfriend and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
We continue to receive calls from XXXX. They leave this message " We have an important message from the office of Hunter Warfield this call is from a debt collector. Please call us back at XXXX. '' We do not have any outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
XX/XX/XXXX Principal {$13000.00} XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XXXX principal {$13000.00} As I see is the same making or not making payments.. Should I stop making payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
Received notice dated : XX/XX/ from firstsource in reference to an alleged debt owed to XXXX XXXX for the amount of {$1300.00}. I have nothing to do with this alleged debt in my name which is why I am requesting per law to provide validation for this alleged debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX  XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3a Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have recently opened a credit builder account to improve credit. My credit builder account was closed and I did not authorize for my credit builder account to be closed. I now have unwanted inquiries on my credit due to this fraudulent mistake. My credit was on its way to being a XXXX I would like my credit score back to its original standing before this took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
ALL 3 CREDIT AGENCYS AND COLLECTION COMPANIES REPORTING OUTDATED ACCOUNTS SINCE XXXX... ..ID FRAUD accounts open without my consent and not my accounts ... '' XXXX XXXX AND WESTLAKE FINANCIAL SERVICES XXXX' ... ..AND VIOLATED " FCBA, FCRA, FDCPA ''

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 2021-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I purchased an appliance under an incentive program that had a deferred interest concept that would be retroactively charged if I missed paying in full by the deadline. I had the account on monthly autopay paying about 2x the minimum amount. Then, without any warning, the deadline date to pay in full came and passed. Therefore, interest at 29.99 % ( is this amount even LEGAL? ) was added to my bill as of that date. I never received ANY KIND of notification from the credit card provider that the due date was coming and that I should make the payment in full to avoid the charges. It never dawned on me that the Company would let that date come and NOT warn me that the amount was due. I was over 18 months ago ( two-year program ) and I forgot about the obligation. They just kept showing the auto payment and it seemed as if everything was OK. Not sure how its legal not to make proper communications with me. Yes, if I logged on to look at the monthly bills, there was a note that the date was approaching. However, for them not to put that in their normal email correspondence to me is very mis-leading and deceitful. I am sure other companies do this as well, but I will never do business with Synchrony Financial again given their refusal to give me credit on the interest now that the account has been paid in full. Wanted you to know b/c I am sure lots of other customers are getting hit with the same deceitful action.

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 2021-10-13 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 — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: SC

Complaint narrative:
I opened a account years ago to keep from seeing ads Google Pay got my charge card information and then the nightmare starts without my permission someone or something caused many charges probably several XXXX dollars a month. I didn't know it was happening because I have my wife whom should have been monitoring my charge card bill she wasn't reading all the charges and they made many charges from around {$5.00} up to {$19.00} and one rare {$99.00} purchase. These charges aren't mine I want my money refunded so I can pay my charge card but they are refusing to cooperate with me. I'm suppling some screen shots from my cell phone, there's already emails fishing me for my credit card information. The charges aren't my charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: CA

Complaint narrative:
The company General Revenue XXXX called my workplace and disclosed information on me and my debt. My work does not allow these calls and they have asked them not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX DATE : XX/XX/XXXX AARGON AGENCY {$650.00} ORIGINAL CREDITOR : XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY {$650.00} ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX   SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WI

Complaint narrative:
This all started approx. 3 months ago. Bsi financial sent in an escrow payment to my insurance agency. They included multiple other people 's policy payments in the payment to them. The insurance company issued a refund to me which I then mailed back to bsi to put in my escrow. I then recieved a bill from the insurance company trying to get the money back. I contacted bsi financial. They then proceeded to pull the money from my escrow account stating that it wasnt my money to start with which I get but the insurance company still is billing me for the money they sent back. After numerous phone calls they said things were handled. They were not. They also reversed a mortgage payment that was made and then sent me collection notices. Finally they found the payment that was made on time and not late but they put it in for the date they found it. Since they found it after the due date they reported to the credit bureau that it was 30 days late which dropped my credit score a lot. I then recieved my monthly statement yesterday stating that I didnt pay last months premium. Which I did and they were able to find that but I also now see that they pulled over 2000 dollars out of my escrow to pay the insurance company. They already pulled the XXXX I sent them out. Currently I have never been late on a payment and it appears they are trying to make me pay for other people 's insurance. Also was notified from my insurance agent that the insurance company still has me listed as getting dropped due to no payment of the money they sent me by mistake. 

Basically I always have paid my Bill 's on time and it looks like for doing that it will cost me at least an additional XXXX dollars out of my pocket, a major hit on my credit report and I will have to pay out of pocket to get new insurance for my property if I get dropped. 

Pretty sure when you sign an agreement with a company both ends have to hold up there end. I've done my part to the fullest neither the mortgage lender or the insurance company have lived up to their end. I know breach of contract is a thing and both companies meet every item for that offense. 

The amount of money it has cost me by the countless hours on the phone with them is not something I can make up. 

All I did was try to do the right thing and now all I get is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent Equifax a letter about some inaccurate and incomplete items reporting on my credit. I do not owe those amounts of the alleged debts, I even disputed the alleged items with the debt collection agencies, and they never verified them. So how can Equifax state it's verified without proof. I sent it out USPS certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX for your reference, and I will attach a copy of the letter as well. It is damaging my score and keeping me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: AES/PHEAA
State: OR

Complaint narrative:
I am missing payment counts from XXXX on all my direct loans serviced by FedLoans, and qualify for PSLF. FedLoans says the months were ineligible because no bill was generated. Due to my XXXX income from the year before, I would have $ 0 monthly payments through this time period. I have contacted customer service many times through this process, only to be told that it is under review and to wait longer. It has now been almost two years. My payment count with FedLoans has literally never been correct despite XXXX yearly, working for a qualified employer, having PSLF-qualified direct loans, and never missing a payment due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: William Lavender dba Credit Restoration Services
State: FL

Complaint narrative:
I paid money to only go without repair or communication. I had to reach out several times to only get told he was out of town. When I did get in contact he would claim to call me the next day in office with info. I requested to see proof of credit repair he had done since I saw none. I requested a refund. I received none. {$450.00} and not even some refunded. A complete fraud. I noticed there are several people who have done reviews on being defrauded.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the mail, I received a Wells Fargo Visa debit card in my name. Separately in the mail, I received a pin number for this card. The paperwork included says there is a {$2000.00} purchasing limit on the card. 

I closed a Wells Fargo account over 10 years ago. I do not have any account with Wells Fargo and did not apply for this card. 

I checked my credit report and see there was a " soft inquiry '' made by Wells Fargo on XX/XX/2021. I did not get an alert from the credit company because it was not a hard inquiry. 

I believe Wells Fargo knowingly reopened an old account without my permission. This is an unauthorized account. I called Wells Fargo and closed it but was on hold for 60 minutes before I spoke to someone and we were mysteriously disconnected before we were finished. I am thoroughly alarmed by Wells Fargo. 

I also received the same exact two pieces of mail addressed to someone else, who I don't know, with my address on the envelopes. As far as I know, this person has never lived at my address. Now, I have a Visa card and pin number for a card in his name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Spoke to customer service with my mortgage servicer XX/XX/2021, I was told my request for mortgage assistance was still being processed but they had not postponed the property foreclosure sale date for my property. I was informed by customer service Carrington Mortgage, sale date would be postponed while the mortgage assistance request was being processed. I'm being given misleading information by Carrington.

Company response to consumer: Closed with explanation