vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In approximately XXXX of XXXX I was contacted by BofA and offered a forbearance on my existing HELOC loan. I was informed that I could postpone my payments and at the end of the forbearance period I would be able to defer those payments. I asked them to explain. The representative told me I could move the amount that was deferred to the end of the loan and then continue to make my regular monthly payments. Which means it would extend the months in which my loan would be paid off. This sounded like a good option at the time so I moved forward and had agreed to the forbearance. Unfortunately now I come to find out I was mislead by the BofA representative. At the time I dont think the representatives were very knowledgeable about the process of forbearance which lead them to giving thousands of people like myself incorrect information. Now my forbearance period has been exhausted so I contacted BofA on XX/XX/XXXX and was told specifically, if I can start making my payments again they would give me a deferral on the postponement amount and my regular monthly payments would now continue. I agreed and was told the deferral package was in the mail for me to sign and send back and I could now resume payments. I made my payment for the month and waited for the deferral package in the mail but it never arrived. So after 6 days I called back and was told, sorry, you dont qualify for a deferral and the representative was wrong and misinformed you. Your only option is loan modification or sell. I was shocked. I have been in my house for 22 years and prior to COVID had been paying regularly. I was mislead in the beginning of this forbearance program and would have tried to come up with another solution if I had been properly informed by the BofA representative. I also was mislead on XX/XX/XXXX when I was told by the BofA representative I was getting a deferral only for it to be untrue after we agreed. If I had not called back after 6 days I also would have never known that no one was going to call me, email me or sent me a letter to let me know what I was told was not going to happen.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The company EQUIFAX included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family. 

I ask that the information about XXXX XXXX XXXX, XXXX be deleted from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: DE

Complaint narrative:
Reference to complaint # XXXX, XXXX XXXX XXXX  ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX or court, but they continue to delay or ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: DE

Complaint narrative:
Reference to complaint # XXXX, Experian Consumer solutions ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX or court, but they continue to delay or ignore.

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 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
My current interest rate is about 5.9 %. I started the refinance process with Citizens mortgage ( the branch in XXXX Michigan ) back in XXXX of 2021. I supplied my loan officer with every document that they requested. Now we are towards the end of XXXX and I have not closed on my loan yet. Had my loan closed, I would have saved a considerable amount of money. I have requested that either we close or my appraisal fee be refunded to me so I can go to a different organization. Despite my multiple attempts to get a hold of anybody that can help me, no one has responded to my phone calls or emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 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: TN

Complaint narrative:
Company did not respond in 30 days in fact, company has not responded in 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
On XX/XX/2021 I filed a complaint against OPTIMUM OUTCOMES INC because of an alleged debt. I sent OPTIUMUM OUTCOMES INC a cease and desist as well as an invoice for the violation. OPTIMUM OUTCOMES INC closed out the alleged account and stated they would honor the cease-and-desist letter but not my remedy. Last week I received ANOTHER letter from OPTIMUM OUTCOMES INC asking me to pay another alleged debt, which dated, XX/XX/2021. I did not give OPTIMUM OUTCOMES INC my consent to communicate with me, once again. Accusing me of owing this alleged debt is obscene and profane not to mention a violation. I am enforcing my rights as a consumer for the damages by OPTIMUM OUTCOMES INC. pursuant to 15 USC 1692k. Pay the attached invoice and compensate me for every violation labeled in the attached exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I placed a call to Transunion. I explained to the representative that I was challenging everything being reported on my consumer credit report and that I was not asking for verification or validation. I explained to the representative that I had previously disputed this information to no avail and that I was not provided all 5 things pursuant to federal law 15USC1692G, once validation is requested. As the original creditor, I do not validate the debts of the accounts being furnished. I stated to the representative that I was commanding immediate and permanent deletion of all negative accounts being furnished and that Transunion immediately and permanently stop reporting all negative accounts being furnished and to cease and desist any further communication with myself and any 3rd party debt collector for all purposes. I also explained to the representative that because of these invalidated alleged debts being shown, my XXXX children and me lives has been impeded and impacted and we have missed out on so many opportunities due to these accounts being furnished. I also stated to the representative that I have studied to show myself approved and I will use every legal mean to enforce my consumer rights under the FCRA. I never gave agencies permission to report anything to the credit reporting agency and I never gave Transunion consent pursuant to federal law 15USC1681b ( 2 ).

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 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I have been with Bridgecrest since 2017. I have paid over XXXX towards a 10 year old car. I am upside down and offered to pay them XXXX additional on the loan and company refused. They stated they don't do settlements. My payments are current and the car is not the best. I got approved for another loan. It is sad how a company shows no interest in helping their customers.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Global Lending Services LLC
State: NC

Complaint narrative:
GLOBAL LENDING SERVICES IS VIOLATING THE FCRA, AND MY RIGHT TO PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 sent multiple disputes and XXXX is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

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 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made deposit at an ATM of a Chase branch at XXXX XXXX XXXX, XXXX, CA. After I put the money in, the machine was out of order and gave me a receipt saying to be sure your deposit went through, call at XXXX. I called right after and was told they needed a few days to investigate the amount of money in question. After several phone calls, they gave me a provisional credit of {$6200.00} and was told the investigation was over. I mode deposits in increments of XXXX dollar bills and put in {$7100.00} in total in my deposit. I followed up with another call a week later and JP Morgan Chase refused to do any further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Attempted to make payments on credit card but fell behind on payment s .After XX/XX/21 After financial hardship could not make payments. Had to put all finances toward Mortgage, car payment, and insurance and utilities.

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 2021-09-22 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: MI

Complaint narrative:
I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
PayPal is blatantly lying in plain sight of the CFPB. 

A few weeks ago, I submitted the first complaint on behalf of my PayPal account under XXXX XXXX which states that 1. I provided a proper W-9 form for PayPal and they didn't accept for reasons undisclosed. The representatives seemed completely unfamiliar with the issue.

2. My account, which hasn't processed a single transaction NOR has it received a - significant in any way relative to the reserve amount - amount of complaints in months, no longer provides a reserve-worthy risk to PayPal.

In their last response, they said that they determined that my account still provides risk to them, which is a blatant lie. I'm sure they have my money invested somewhere and they're earning a % on it.

They also said my W-9 was incomplete. That was not truthful either. I will provide the W-9 in the attachments to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
We paid cc balance back in XXXX, 2021 Synchrony sent letters and statements that said balance is at XXXX- Then said they never received our payment but sent refund check stating this was an overpayment- Now they continue to say the overpayment was sent in error, now wanting the overpayment paid back to them. 

Weve also received letters from them continually saying sorry for the inconvenience- your balance is XXXX. 

Ive been on the phone with them over XXXX hours ( - ( ) to try and get this problem resolved.. 

Ive sent copies to them saying check was cashed by them. 

I feel like this is totally their mistakes, and tired of dealing with this mess since XXXX, 2021 Please help me get this issue resolved, I dont have money to take them to court! 

Thank you, XXXX and XXXX 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 2021-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had an account with XXXX XXXX XXXX Mastercard in which there were several reasons as to why the debt was not valid and should not be appearing on my credit report. I submitted the complaint to Experian and successfully had the account removed. 
However, In XXXX of this a collection agent, XXXX XXXX XXXX, who had apparently purchased this account posted an unpaid collection on my credit report with experian. I have made numerous attempts with Experian to dispute this item on my credit report and have had no success. 
If the original underlying account was found not to be reportable then the subsequent collection of that same account should not be reportable as well.

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 2021-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
Took out an installment loan for XXXX XX/XX/XXXX. Was allowed to skip 2 payments in XXXX due to pandemic. Pay XXXX twice per month. The original end date of the loan was XX/XX/XXXX. The two missed payments were to be added to the end of the loan. I have paid in over {$6000.00} for a {$2500.00} loan. I am now told I need to keep paying until XXXX of XXXX. That would amount to additional {$3800.00}, bringing the total to almost {$10000.00} for the {$2500.00} loan. After complaining they agreed to settle for {$1000.00}. I don't think that is fair. They also would report the account to credit as a settled account hurting my credit. I feel I have more than paid back this loan. Any help would be appreciated. I don't want my credit damaged. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
ARS. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. ARS are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by ARS pursuant to 15 USC 1692k civil liability.

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 2021-09-22 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: ERC
State: FL

Complaint narrative:
I have sent multiple disputes and erc is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.

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 2021-09-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.

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