vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 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: MA

Complaint narrative:
I have requested that XXXX and Experian preform and independent investigation with XXXX XXXX XXXX account XXXX. This account is being inconsistent reported by the credit bureaus with different Date Of First Delinquency and re-aged. XXXX is reporting for XXXX XXXX/XXXX, Experian is reporting XX/XX/XXXX. XXXX is reporting for XXXX XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX is reporting for XXXX XX/XX/XXXX, Experian is reporting XX/XX/XXXX. These are different years, months and dates of first Delinquency and inconsistent reporting by both credit bureaus. This account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation showing the inconsistent reporting by the credit bureaus and re-aging of this account which is a violation of the FCRA. 


I am keeping a record of all communications with this dispute with the credit bureaus in case I need to litigate this inconsistent reporting by the credit bureaus.

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 2021-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I had my mortgage loan with XXXX. In XXXX my sister, the co-borrower, died and I put in a claim with my MI. XXXX never responded and instead sent my mortgage to a Mortgage loan servicing agencies, first Bayview, XXXX, later Community and now Community sent it to XXXX. 
This is bogus. XXXX and its assignees are trying to steal my home. 
I have not missed a payment to Community. 
During Covid-19, I took benefit of Cares Act and waived 4 mortgage payments, according to Cares Act, I could have waived 180 days, 6 months, I only waived 4 monthly payments. 
After Deferral period, Community sent me a new monthly payment which was higher then before Cares Act and I stated payment had to be same as it was before deferral. Community changed amount to close to what it was before Cares Act and I have made my monthly mortgage payments each month. 
Around XX/XX/XXXX, I made 2 mortgage payments to Community, by mistake, and emptied my bank account. I asked Community to refund the second payment and silence from Community.

Community instead shows me in default, is trying to collect {$8000.00} plus from me and now has my house in foreclosure. What the XXXX XXXX???? 
Please help me. This is my home. XXXX and all their assignees should be fined for stealing from homeowners. 
Please contact my niece XXXX XXXX at XXXX XXXX XXXX as she is helping me. 
I am XXXX plus years old, XXXX in XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, and stuck with a huge mortgage. My payment is {$1000.00}. and my Social security is {$1000.00}. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: GA

Complaint narrative:
To whom this may concern, XXXX is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on XXXX occasions. XXXX lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my XXXX credit report. However, during that same time period, I was reported as " on time '' on my Equifax and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the XXXX online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the XXXX, XXXX is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against XXXX filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom this may concern, XXXX is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on two occasions. XXXX lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my Experian credit report. However, during that same time period, I was reported as " on time '' on my XXXX and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the XXXX online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the XXXX, XXXX is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against XXXX filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.

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 2021-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
AFNI, INC has violated 15 usc 1681s-2 as well as 15 usc 1692g by failing to validate the alleged debt they are falsely reporting to credit reporting agencies. I am a natural person, consumer and of sound mind to know and act in good faith. I authorize AFNI, INC to remove this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here are the list of concerned account that needs to rmove completely from my Credit Report : XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXXI-Balance $ XXXX Opened : XX/XX/XXXX, XXXX Balance {$1700.00} XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I hold a mortgage loan ( # XXXX ) with Bank of America. I have never missed a payment on my loan. My monthly payment has never been late. I received letter from Bank of America that says that my bank ( XXXX & XXXX ) has placed a stop payment on my monthly mortgage payment to Bank of America. I called my bank and they told me that there is absolutely no stop payment on my account. I called Bank of America. They gave me vague answers and could not explain why my automatic mortgage payment was stopped. They promised me that it will be corrected. I made that monthly payment over the phone. After one week, I received another letter from Bank of America that demanded payment from me and the letter threatened me that if I do not make payment I will be charged late fee and it will affect my credit score. I called Bank of America again and was told that I should ignore that letter. There is nothing I should do. I received another letter that says that they are unable to draw money from my bank due to stop payment. I called Bank of America again and they could not explain to me. They want me to setup automatic payments again, because they made errors. 
I feel that Bank of America is harassing me through this process. I have wasted several hours. The threatening letters actually are nerve recking. I suspect Bank of America is deliberately not fixing this problem and wants to charge me for their errors.

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 2021-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a consumer entitled to consumer protection. Capital One Bank USA has failed to validate their false claim of an alleged debt pursuant to 15 usc 1692g. I have no account with you, nor have I ever. Since you saw fit to place this item on my credit report, you obviously have all the information you need in order to investigate and correct your error. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Be advised that I am NOT requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities XXXX the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I had a subscription to XXXX and used Paypal for the subscription. When I subscribed there was apparently an ANNUAL charge that I authorized and did not know it. I originally subscribed for 6 months at {$19.00} per month. The renewal happened automatcially on XX/XX/XXXX at the rate of $ XXXX and charged me a one time charge of {$650.00} on that date. I was not aware of the charge and did not catch it at the time. I cancelled my account with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX ( this year ), I received a notice from Paypal that I had authorized {$650.00} to eharmony. I immediately contacted Paypal and found that I could cut off the preauthorization directly with them, which I did. However, Paypal says the notice was that it was " paid '' not a notice that I could cancel. So, I have an appeal right now with Paypal over this charge. 

I contacted XXXX, also on XX/XX/XXXX to dispute the charge, and the response was that they could not find my account. XXXX has no portal for communication to them on their website. It's all through third party email, which may or may not go through. XXXX did not give me any notice of the charge on XX/XX/XXXX, nor for the charge on XX/XX/XXXX. I have paid {$650.00} both years. I have not authorized either charge. I have received no service for either charge. I realize that I should have disputed last year 's charge, but I didn't catch it. I caught this year 's charge on the day I got the email from Paypal. 

Paypal initially refunded the money, then they changed it and said they will not refund the money, but that I can appeal. I have appealed and am awaiting their decision. 

XXXX does not acknowledge my account. They have received payment they charged off as annual, so that there's less opportunity for me to see it. A monthly recurring charge would be more visible in the account. Further, I never signed up for a annual subscription. I signed up for 6 month subscription at {$19.00} per month. XXXX gave no notice that they were charging me, and there's activity on that account I closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Applied for the CapitalOne XXXX card using their link on their site that was supposed to give {$200.00} cashback for spending {$500.00} within 3 months of getting the card. I spent the {$500.00} on the card after receiving it in the mail and I still didn't get the {$200.00} sign up bonus after 2 months, so I called CapitalOne and their representative says the offer wasn't applied to my application, even though I used their link on their official site that displayed the offer ( https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ ). This is blatant false advertising and a very slimy business strategy to get people to sign up for their cards and ultimately not honor the advertised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I was looking at my Fortiva account available balance and noticed it was {$0.00}. I started to look at my previous statements and starting XX/XX/2021, my available balance was {$0.00}. Every month I have been charged a {$12.00} maintenance fee, that shows up on my transaction page. Every month I have paid the fee. I texted the company through their app to ask why my available balance is {$0.00} and they told me my account has been suspended. Once I got that text, I immediately called the company. I asked why was my available balance {$0.00} and why was my account suspended and they told me it was because I had not made a transaction in a year. Every month, there is a {$12.00} maintenance fee and then my payment of XXXX that shows up on my transaction page. If my account is/was suspended why am I being charged a maintenance fee, and if it is not considered a transaction, why is it showing up on my transaction history? When I asked the company these questions they just kept insisting that the maintenance fee was separate from transactions, but despite what they say those transactions show up as transactions and are noted as such. I asked to be refunded of my {$12.00} that I have paid since XXXX and they said that was not possible. I was never told my account was suspended until I called. There were no texts, no in app notifications and no mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2021 XX/XX/2021 XXXX XXXX Along with several times during the year prior to this time with different transaction ranging from XXXX or more dollars This company has kept my direct deposit payment on hold for various reasons I have had my money refunded from a business or I have paid on the card directly from my paycheck this company will not give the money to the card directly from the bank of the company I had a refund with or without notifying me place a hold or restrictions on my money it's a prepaid card transaction when I call and have asked the company why I can't access my money on the account I get told they have rights to hold my money for over a week time frame they have left me in serious complicated financial delays on several occasions and I put my finances onto the card being it's prepaid not money given to me by the card services I have also been at a company where the cash back feature is offered and I requested a cash back with a purchase and the card accepted the money but then declined it but the card withdraw from my balance but the store stated the company declined the transaction the card services then would take XXXX days to correct the mistake although it was the mistake in the way the card company accepts or rejected transactions they claim to only have a limited use of services only after they give the money to the company but reject it because of the service available with the company so I don't understand how they allow the money to be withdrawn from my balance to the business if they don't offer that service with that card transaction I call ask him for my money to be released or refunded because of the company 's error several times during the year for several weeks before the company will acknowledge that they should not have taken my money and then without responding to my request per conversation with me they hold my money back until I have been without a balance for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: FL

Complaint narrative:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with non-monetary relief