vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: CO

Complaint narrative:
This situation has caused me so much stress, especially during these hard time during covid-19 finding out my family member has covid and having trouble with the medical bills has impacted my life and when I signed up for the self secure credit card and put down a secure deposit to be able to help with my consumer credit score. I really believed that self lender had the consumer best interest in mind instead of there own selfish interest in this transaction. they closed the account with out allowing me to set up any type of payment arrangement and on top of that they are attempting to charge interest and fees during this time of hardship and this situation has caused even more distress on my mental and financial Self is suppose to mail back my deposit since they closed the account but didn't have any procedures to help me out with this situation at all. according to the FDCPA 15 usc 1692h : If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

According to the FDCPA a debt collector is whom regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due to another.

Since I wasn't loaned any money Self is a debt collector and you are violating the FDCPA by not directing my payments in accordance to my direction.

Self stated that they will not follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: MD

Complaint narrative:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : SANTANDER Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: LA

Complaint narrative:
Transunion has not updated its account for XXXX Mastercard and thus my credit score remains lower than the other two credit reporting agencies. XXXX carries a score of ( XXXX ) XXXX ( XXXX ) and Transunion ( XXXX ). As you can see the account has been submitted since XXXX and remains unchanged on Transunion site

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 2021-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Customer Financial Protection Bureau We are reaching out to you as our last resort in hopes that you can help us with an urgent matter in order to move forward with our plans. 
We have been trying to get our homes title clean since XX/XX/XXXX ). We have been calling every bank and every number that has been provided to us, only to get nowhere. No one seems to be able to provide us with any information. We are trying to refinance our property but the property has a lien that shows the second mortgage that was included in the XX/XX/XXXXmodification. No one seems to have this lien, but no one wants to clean the lien. 
We purchased our home back in XX/XX/XXXX with a 80/20 predatory loan with XXXX XXXX. Then XXXX transferred the loan to Ocwen bank were in XX/XX/XXXX we applied for a modification and were approved. After qualifying for the modification, they forgave the small loan which was part of the modification and we continued paying our home all these years without any problem. Ocwen bank transferred the loan to PHH Mortgage ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX  ) whom stated that they can provide a payoff letter only for the mortgage that they have, but they can not provide a payoff letter for the second mortgage. 
We are very frustrated because it seems like no one can help us. We even contacted MERS who told us to contact XXXX, but when we called XXXX, they transferred us to PHH  because they are the same mortgage company but we end up with the same answer. 


We are requesting your help to clean the lien on the title. We hope to hear from you soon and we want to thank you in advance for your time and assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: MD

Complaint narrative:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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:
On XX/XX/2021 i sent out a letter of dispute to Equifax and XXXX to address some inaccurate and misleading information on my credit reports. My disputes have went unanswered for over 30 days. I sent out a 2nd letter on XX/XX/2021 to follow up on the investigation and still nothing. It clearly states in the F.C.R.A. 611 ( a ) That a failure to investigate a dispute within 30 days gives reason to immediately remove the items included in the dispute from the Consumer Credit Report. It has been over ( 43 Days ) for Equifax and ( 32 days ) for XXXX before they responded to my dispute hence they are in violation of the F.C.R.A. so the items listed in the disputes should be removed promptly. I demand that these accounts be deleted immediately or i will be forced to file for litigation to protected my Consumer Rights. My sensitive data was compromised during the Equifax data breach my information has already been violated once and I stand firm in exercising my Consumer Rights. All of my evidence is attached to this compliant as well confirmation of my identity. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
Security finance XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have reported identity theft to JC Penneys Synchrony bank and filed a police report. JC Penney told me they wold take care of it then when I called back hung up on me. I never received the merchandise and cell phone numbers other than mine were attached to it. I have talked to Synchrony Bank to no avail. I have had the credit card since XX/XX/XXXX with no issues until now. This is damaging my credit and I have XXXX and reported it to them! Do not trust J C Penney if you are ever the victim of identity theft or do not receive an order! My packges were signed for by someone else! They do not care!

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 2021-10-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX i contacted USAA to update my payment history. USAA is reporting inaccurate and incomplete credit information. The credit report from all three bureaus show a history of payment or payments being made late that are not proven and are incorrect. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By USAA reporting inaccurate information without my written consent first, they are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Pursuant to all the facts I stated above, Ive forwarded written instructions as to what I, a consumer in fact, want removed from the my credit report as well as an updated payment history. I am demanding Deletion of inaccurate late payment history from all consumer reports and a Change of all payment history to paid as agreed or on-time I also DO NOT authorize any automated response or e- Oscar verification method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/21 I called Capital One credit card customer service to request a waiver on the past due fees billed on XX/XX/21. 
I asked them if they could credit one-time the {$29.00} for past due fees billed. I missed the payment on XX/XX/21. 

I spoke to a representative and she told me that the system did not allow her to credit the {$29.00}. I asked for a supervisor and he told me the same thing. The system did not allow him to credit it. 

I have checked my statements for the past 15 months and I have not missed a payment and not billed a past due fee. 

I understand the companies can issue a one-time credit for the late fees. 

What I don't understand is that they couldn't explain why they couldn't credit the late fee. They just kept telling me the system would not allow them. There has to be a better explanation such as I was granted a waiver before. 

I would like for Capital One to credit the late fees and provide a comprehensive explanation as to why they denied me the credit when I called. The system did not allow them is an excuse which a company should not be allowed to give to their customers. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Opened an account with Citi Bank ( Citi XXXXXXXX XXXX XXXX ... promised {$700.00} Bonus ... .I met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !

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 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the company efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The company is reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
They took my car after 2 months behind after understanding my bank closed and I had no idea that the payments was coming from a closed account even after I updated it. They are telling me they will not refinance me all I can do is buy the car out I just had a baby I was also just in a car accident do to a drunk driver that speed away. I explained all this and they still told me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I received a letter dated XX/XX/2021, from National Credit Systems, XXXX XXXX XXXX, XXXX, GA XXXX, showing client XXXX XXXX XXXX , Client Account Number XXXX, NCS Account Number XXXX, and balance of {$8800.00}. I sent a letter to the company within 30 days for verification of the debt. 

As of this date XX/XX/2021, i have not received verification of this debt from National Credit Systems. This company has reported this debt to credit reporting agencies, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I enjoyed opening the account until they strung me along withholding the {$50.00} bonus promised to me upon fulfilling all of the requirements necessary using the code " welcome 50. '' I was emailed upon being direct deposited over 1,000 on XX/XX/2021, I was congratulated and told to be expecting my bonus XXXX dollars because I received a direct deposit over the amount of XXXX dollars within the first 45 days of me entering the code " welcome50. '' However after being told to wait 10 business days to receive the funds and then being told to wait 30 business days to receive the funds in an in-app chat support conversation that disappears way too quickly and then escalating the case and being told to wait 4 business days and then being told to wait 4 more business days : I have received a bonus of {$0.00}. 
Only gaslighting from bots in the chat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello I have made several attempts with Transunion to obtain their method of verification to my original disputes of an inaccurate bankruptcy being report in my credit file that they maintain. And every time, they reply back with vague or dishonest responses and a failure to comply! I am including my latest dispute letter dated XX/XX/2021, along with their latest response, a copy of a letter from the United States Bankruptcy Court and a copy of a letter from XXXX. I am seeking assistance from the Consumer Financial protection Bureau to compel Transunion to either produce the appropriate verification information or to permanently delete the bankruptcy from credit file! Thank you in advance! 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 2021-10-04 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2021 I received an email from Bank of America that my savings account was inactive and to contact them. I did on on the same day because I was concerned since the notice had my account number, but a different person 's name and address. Customer service reactivated the account, I made a transfer to the account and forwarded the letter to the abuse department since the customer service representative was concerned with the other name listed on the notice. No one contacted me after I forwarded the concerning letter. 

I have other accounts with Bank of America that are active. I logged into my account on XX/XX/2021 and the account was gone, including all bank statements. After a 2 hour phone call with customer service, I was told to " just call the state of Illinois '' because the funds were sent there. I was unable to obtain a property ID number. I did not receive a notice of this account being transferred electronically or by mail. When I search the unclaimed property site, there are no records for my name. 

Even though this account was active with my deposit on XX/XX/2021, the money was supposedly transferred to the State of Illinois at some point after XX/XX/XXXX, XXXX the last statement I reviewed ( they could not give an exact date ). I'm guessing in the name of the person who was incorrectly listed on the XX/XX/2021 letter. Now it is suddenly my problem to find the money, with no notice, no property ID number or assistance from the bank. 

Either this is a glitch in their system or they have an internal fraud problem targeting inactive accounts, but this wasn't an inactive account. I would hope they would be as concerned as I am about this, they are not.

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 2021-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit acceptance Corp, XX/XX/2016. Took and sold vehicle so could get it back, started garnishment

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