vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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: GA

Complaint narrative:
I submitted a dispute to Experian, XXXX, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
We recently refinanced our TD bank mortgage and fully paid it off. They sent a letter on XX/XX/2020 stating " Recently a payoff quote was issued for the above referenced mortgage loan. In order for us to ensure that the payoff quote remains accurate, your automatic payment has been cancelled. '' The loan was paid off today, XX/XX/2020. Despite the payoff and the notice of cancellation of automatic payment, the automatic payment of {$2900.00} was drawn from my checking account today. 

I have contacted the bank and they said they will issue a refund in approximately 10 business days. They should not have drawn the payment in the first place and should either immediately refund it or pay a penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX, I pulled my credit report to determine that Capital One has reported me late numerous times while on XXXX XXXX XXXX. Capital One needs to pull the calls from XXXX to verify that I told them I was on XXXX  XXXX and that they put my account on hold on a special plan to assist me while I was not working. I found out that this was very wrong. While I was on XXXX XXXX  XXXX and I made Capital One aware of this they proceeded to close my account and mark me as late while they knew my situation. Management has reopened my account and waived the late payment fees but the late payments are still on my credit report. I really need those inaccurate late payments removed from my account. This is causing a lot of stress to me. 

I have written capital one several letters since XX/XX/XXXX the last letter was sent with a tracking number that delivered on XX/XX/XXXX. 

Capital One has me late XXXX XXXX XX/XX/XXXX, A total of 7 late payments that should not be on my credit. 

If you look at my credit history with them you will see I was never late. i paid my bill every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: OH

Complaint narrative:
Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : XXXX # XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX.The following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: CBC Companies, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : XXXX # XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Nelnet, Inc.
State: IL

Complaint narrative:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Essential Retrieval Group
State: TN

Complaint narrative:
On XX/XX/2020, I began to receive calls and voicemails from " XXXX XXXX '' representing " ERG '' and " XXXX XXXX '' that I was being served for a debt and needed to be home and present two forms of ID to " receive important paperwork. '' No one ever came to my home to present me with paperwork. During one of the phone calls, I asked for an address and fax number so I can verify information on XXXX and their representative would not provide me with this information. they wouldn't provide me with information. I called persistently to receive this information and demanded that they validate the debt they were attempting to collect until they blocked my number. Then, I began to receive derogatory phone calls and voicemails from XXXX XXXX XXXX XXXX XXXX, stating that I was " a failure '' for not satisfying the debt and other callous statements.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
i sold my XXXX XXXX license plate XXXX in XX/XX/XXXX to a XXXX XXXX XXXX. he bought motorcycle and promised to finish release of liability when i insisted i would. he broke down and left vehicle on freeway by XXXX, ca where he left it stranded. this was not my responsibility to pay a tow fine that i didn't incur. i have photo of pink slip before i handed it to him with his information. i trusted him and this is not on me. now this issue from the tow company creditor called XXXX XXXX XXXX XXXX. ACCOUNT NUMBER XXXX. REFERENCE # XXXX BALANCE {$2200.00} -- XXXX. THEY TRIED TO SELL THE CASE TO A COLLECTIONS AGENCY THAT THREATENED ME AND MY LIVELY HOOD BY THREATENING TO DESTROY MY CREDIT. I WANT TO SUE THEM. THE COMPANY IS CALLED CONRAD CREDIT CORPORATION '' XXXX, CA. THIS IS A SCAM AND I KNOW IN MY HEART THIS IS NOT MY FAULT. IM A VICTIM OF A TRUE HUSTLE BY COLLECTION AGENCIES. THIS VERY TOPIC IS BEING DISCUSSED IN THE WHITE HOUSE BECAUSE PEOPLE ARE GETTING TAKEN ADVANTAGE OF BY COLLECTIONS, TOW COMPANIES, ETC. PLEASE HELP ME I GOT PLENTY EVIDENCE OF MY CONVERSATION WITH THE THREATENING COLLECTION COMPANY CALLED CONRAD. I HAVE PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
I received a call stating that I owed {$440.00}. I tried to explain that due to COVID-19, I was not working and although I did not remember the debt I offered to settle. They refused and told me that will keep pushing it on my credit report until paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've tried to access my.equifax.com website to unfreeze my credit history and the web site is down for the 3rd time in 3 days. I've called and entered all information required by the automated system and requested a text with code and text never received. I called and talked a representative and now they require letter of SS and driver license. I told the rep I needed to talk to their supervisor since their system is not working and I shouldn't have to provide this documentation due to the incompetence of their tech people to keep their web site up and running or their automated texting system to work correctly. 

After being on hold for 10 minutes the rep hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My Identity was stolen and used to open multiple accounts from multiple different banks. Over the XXXX XXXX Weekend. The only Bank that refuses to do any type of investigation is XXXX XXXXComenity Bank. They say they have me on recorded tapes communicating with them asking for credit from them yet they refuse to release that information to me. I have notified them that I filed an FTC report and a Police Report and they continue to give me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I contacted this company numerous times to try and understand the debt. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous, I have been having medical issues and not being able to know and/o understand this debt is not helping me.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian will not give credit report stating no credit history. They post a number to call but no way to speak to a 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 2020-09-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX of 2020, my husband lost his job. I called Goldman Sachs in XXXX, to let them know I could not make the payment, and the situation. First point of failure was their operator not offering me protection under CARES ACT for XXXX, since that when the hardship occurred. Instead she let me know I was approved and to call next month if needed. She also failed to let me know, that XXXX payment was still due during this call due to NSF ( again knowing my situation I explained, she failed twice ). I called in XXXX again to ask for deferment of XXXX payment- again they failed to let me know XXXX was due, and was approved for XXXX deferment. In XXXX I noticed I was reported 30 days late for XXXX payment, I was confused as I had called them directly to ask for help under CARE ACT, I called twice in XXXX to specifically asked for BOTH my calls to be reviewed as I let them know under CRA they are required to let me know I was past due for March- and I was not notified. Also, if I miss a payment y 1 day, I start getting calls and e-mails, I didn't receive any and I have phone records to prove this. Both time they " investigated '' they failed to let me know outcome of call review, and let me know they reported me correctly. 2 issues here, I was misled to think I was on time and approved on payment under cares ACT when in fact XXXX was not approved hence the calls and emails should been sent to me for XXXX. Also, since I explained my situation occurred in XXXX, why was protection not offered to me for XXXX as well? I have immaculate payment history with them, and given the current environment we are in, they have not impacted my credit and ability to refinance my home for a lower rate to help pay my mortgage. This has placed me in immense financial hardship, and they failed to properly guide me, and notify me and further provide me with the opportunity to make XXXX payment. Im requesting frothy review of their process as it pertain to those asking for protection under CARES ACT and not mislead other consumers into thinking they are up to date on payment and/or approved for deferent when they are not, and it happened to me. I also formally request for this 30 day late to be removed as it was done so unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: FL

Complaint narrative:
On XX/XX/2020, I check my XXXX XXXX and I seen that XXXX ( National Credit Card Cos ) is currently reporting on my credit report. I have no affiliation with that company and I didn't sign up for anything with that company. This is fraud and I recommend that you close that account immediately. You can reach me at XXXX if you have any question or need any help with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Obtained mortgage from XXXX XXXX XXXX on XX/XX/XXXX at XXXX ARM at 4 % for a monthly mortgage payment of {$4300.00} inclusive of principal, interest. escrow ( property tax, PMI, home insurance ). Mortgage was sold to XXXX in XXXX. In XX/XX/XXXX received letter that from XXXX XXXX monthly payment will be {$5100.00} an increase of {$830.00} due to escrow shortage. Did not get clear reason of escrow shortage from mortgage company for 3 months. ( ARM always remains fixed ) Mortgage was sold to Freedom Mortgage from XX/XX/XXXX. They after few calls, in XX/XX/XXXX said previous company sent me an escrow surplus check in XX/XX/XXXX of {$6900.00} which I never received. The previous company then did escrow analysis afterwards and determined escrow shortage and increased mortgage payment from XXXX  XXXX. They did surplus calculation first and then did escrow storage determination. This increased our mortgage payment by {$830.00}. 
Requested check of {$6900.00} from previous company took 1 month to reach on XX/XX/XXXX. Freedom Mortgage on XX/XX/XXXX agreed to do a fresh escrow analysis and report back in a week. We called on XX/XX/XXXX and then they denied to do escrow analysis. Rather they asked us to continue to pay the increased mortgage payment as well as the escrow deficit ( approx. total of {$8200.00} ) and that they will do escrow analysis in XX/XX/XXXX. It was very unjustified that they demand for us to pay more monthly for complications in escrow calculations due to no fault of ours. 
Incidentally, we continue to keep paying {$4300.00} as we have come to determine that our property taxes did not increase, and all other escrow payments are constant. As per ARM we have never seen mortgage monthly payments increase during the ARM period. They are giving all kinds of reasons to not do justified mortgage escrow analysis and we are being harassed for the past 6 months. It seems they want us to get penalized by forcing us to pay higher monthly payments due to escrow complications, not created by us.

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