vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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 — Overcharged for something you did purchase with the card
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
ACIMA credit is a scammer. They will approved you and whatever credit available you have left they will make you pay it even you dont use it. They charge XXXX dollars fee if you pay EARLY. They stop taking money out you account when you about to end your contract you will pay 4 times extra. They manipulate their app and payments, and amounts does not reflect correct. This is program of financing is Predatory in every bit of the word. Its said to help those who are unable to finance by going through them for your purchases. They completely rope you in and make you pay the full lease even if you didnt use it all. When you call to speak representative, they will tell you that in other to help you will have to pay first. THEY add quarantine to your lease with out your permission if you tried to use the quarantine, they will not let you use it. They have their employees writing positive reviews, so they continue they ARE SCAMMING SCCAMMING SCAMMING SCAMMINGS SCAMMING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
One Main Financial continues to report thats not mine that a judge ruled in XXXX XXXX as not my debt. They are continuing to harm my credit report and I would like the item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Financial Services
State: IL

Complaint narrative:
The Lienholder is having the dealership illegal hold my license plates for non payment. Im off a month for my car note and my temp plates have expired. I was told by the finance company that they wouldnt give me my license plates until I pay. I have complaints with the Attorney General and The Secretary Of State. Also the they havent properly registered the car and I was charged for title and registration fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Resurgent Capital Services L.P.
State: FL

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 explanation
Consumer complaint received 2021-11-15 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: DC

Complaint narrative:
XXXX XXXX XXXXXXXX {$330.00} XXXX and XXXX XXXX {$830.00} XXXX XXXX XXXX {$520.00} XXXX {$7400.00} XXXX has removed all these items and updated XXXX today! 
I dont understand whats the problem with the other 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 2021-11-15 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing is still reporting incorrect information on my credit report & I'm trying to refinance at a lower rate & because I have disputed the incorrect information, there is a problem & I will not remove the dispute & may lose the financing. 

What is strange is that right at the time I applied, XXXX contacted me to refinance with them. They are insane. Below is the correct information : I have a letter from SLS showing they were paid off XX/XX/2021, YET THEY REPORTED ME 30 DAYS LATE!!!!! 

The XX/XX/2021 payment was made XX/XX/2021, check # XXXX sent via usps Priority Mail, # XXXX XXXX XXXX XXXX XXXX XXXX & I have their receipt via email ; YET THEY REPORTED ME 30 DAYS LATE!!!!! 

I have not attached them because my husband died & I'm not digging out their information again. 

THEY NEED TO FURNISH THE INFORMATION. The burden should be on them for THEIR ERRORS OR DELIBERATE MISREPRESENTATIONS!

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Financial Services Solutions, Inc.
State: NC

Complaint narrative:
Around approximately XX/XX/XXXX, I contacted Beyond Finance to assist me with consolidating my credit card accounts and possibly getting settlements with the credit card companies that would allow me to clear my credit of any outstanding balances. At the time that I contacted Beyond Finance, my credit was " excellent '', in the XXXX range, with no late payments ever. Beyond Finance instructed me they would take care of paying the credit cards, with me making one payment to Beyond Finance monthly. It was six months before Beyond Finance started making payments from the money I had sent them, leaving red marks on my credit for missing payments. My credit score quickly plunged from XXXX to XXXX. 

I made the decision to refinance my home to get the money to pay off Beyond Finance and asked them to send me a quote of the amount that would pay off my remaining balances on my credit report. They quoted me the amount of {$2400.00}. I sent them this amount immediately and it cleared my bank on XX/XX/XXXX. After multiple calls each week, 3-4 calls each week, Beyond Finance tells me 14 days later that they quoted me the wrong amount and that I need to pay them an additional {$500.00}. I paid the additional {$500.00} to them on XX/XX/XXXX. My credit is still showing a balance owed on one of the cards, XXXX XXXX, and Beyond Finance keeps telling me they will graduate me from the program once XXXX accepts the payment. This has been going on for at least two weeks and no payment is yet showing to XXXX to pay off the balance of {$130.00}. 

I feel Beyond Finance has scammed me and has definitely ruined an excellent credit for me. I am in the process of buying a home and want all of this to be settled as soon as possible, yet it appears to be stalled, despite me having sent them {$500.00} more dollars. 

Thank you for any assistance you can provide. I certainly don't want anyone else to have to suffer the stress and worry that I have suffered with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: SC

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I am on a Forbearance plan with Loancare and my regular payments, according to their " Office of the Customer '' should restart on XX/XX/XXXX. 
I am trying for weeks to reach this Office of the customer and called there at least 35 times. I think this is just a made up Office that doesn't even exist, because all I ever receive is a voicemail, stating the office is closed. I left numerous messages, asking for a call back-NOTHING!

I also received threatening letters from Loancare, stating my loan is in default, which is a lie.

I don't know what to do anymore and I am in fear to loose my home.

All I need is that Loancare sends me the, so called Deferment Package for me to sign and state that my next payment is due on XX/XX/XXXX. 
In 7 letters from loancare i received they could not confirm that. 
I want to get my loan current and begin payments again on XX/XX/XXXX when my Forbearance plan ends. 
Where is my Deferment Package to sign?? 
If i call their " Customer Service '', they have no idea what I am talking about, transfer me to the Bankruptcy Department or let me wait in line for hours until I hang up. Right at this moment I am waiting in their holding line for 68 minutes. I need this issue resolved. CFBP should initiate legal steps against Loancare because of their unserious business practices.

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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, sent Capital One in writing a DEBT VALIDATION letter in order to validate a debt shown on my consumer report, on all 3 major consumer reporting agencies. Pursuant to 15 USC 1692g the debt was to be validated and is being disputed by me, XXXX XXXX. I sent CAPITAL ONE the validation letter along with a CEASE AND DESIST letter on XX/XX/2021 certified mail and CAPITAL ONE received the letter on XX/XX/2021. I received a letter dated XX/XX/2021 from CAPITAL ONE asking me to send them additional information which I am not required to do so. Capital has refused to validate the debt and has also not ceased collection activities. CAPITAL ONE is still harassing me by sending me letters and still having false information reported to the consumer reporting agencies after the cease and desist letter was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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:
TransUnion You are reporting incorrect information to my credit report for the following account from POSSIBLE FINANCIAL you are reporting a monthly payment on a closed account PLEASE DELETE ACCOUNT IMMEDIATELY proof will be attached below

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 2021-11-15 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Once again, Synchrony has reported me as being XXXX.I reported them before because previously they listed me as being deceased on another account. This caused Accession collections to torment me regarding an estate for the deceased. I AM NOT DEAD!!!! This has caused me a lot of stress and anxiety telling people I am not dead. Why did they do this?? 
This is from XXXX. 

SYNCB/CARE CREDIT Balance updated XXXX XXXX, XXXX Account Info Hover over labels for more details Account number XXXX Account status - Date opened XX/XX/XXXX Account type Charge Card Usage : - Balance on XXXX XXXX, XXXX Credit Limit XXXX {$7000.00} Payment Info Status Consumer reported as deceased Status date 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 non-monetary relief
Consumer complaint received 2021-11-15 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: GA

Complaint narrative:
I am writing to delete the following fraudulent accounts in my file. These items I need to be deleted contains inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these changes. I reported the theft on my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I currently have 2 other lease accounts with BMW Financial, that are on automatic withdrawal for payments. Both current and up to date accounts, are up for auto lease returns and I fully intend to replace them with 2 brand new auto leases. I have been a loyal and upstanding customer for years. 
The above disputed account was a lease return that had a mileage balance. BMW gave me 365 days to pay this account in full, since this was during Covid. I humbly accepted the opportunity. In XX/XX/XXXX, I made a second last payment through my BMW financial services online portal, in the amount of {$490.00}. The last payment of {$500.00} was called in and was scheduled to be processed on XX/XX/XXXX.Why this could not be entered in auto pay is shocking. BMW did not process this payment request and I did not notice it was not processed since I have never had this problem. I assumed BMW would process the payment since it was scheduled. I have no Idea what went wrong when I followed all the necessary steps. I was given no notice via mail - email or courtesy call that it was going to collections. This has significantly affected my credit! It went down 125 points from having a 773, I now have a XXXX. PLEASE remove the delinquent credit report immediately, as I in good faith scheduled the payment with your representative on the phone but it was not processed for unknown reasons BUT I promptly made full payment when I noticed it on my credit report today. The account balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC
State: FL

Complaint narrative:
I the consumer, orginal creditor, XXXX XXXX has sent an Affidavit of Truth to the debt collector Javitch Block LLC regarding federal violations commited against me by their company. They are in violation of 15 U.S.C 1692b ( 2 ) and 15 U.S.C 1692b ( 5 ). 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; In exhibit A and B proves that these violations have been committed. I have also instructed Javitch Block LLC that all payments made to them be sent via check to the address on the Invoice pursuant of 15 USC 1692h 15 U.S. Code 1692h - Multiple debts 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.

Also provided Javitch Block with a cease and desist pursuant 15 USC 1692c ( c ) and invoking my specified remedy as the consumer and original creditor pursuant of 15 USC 1692c ( c ) ( 2 ) I am demanding that all account be XXXX out, Pay the attached invoice for every federal violation, and direct payment shown in exhibit A and exhibit B to address provided pursuant 15 USC 1692h.

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 2021-11-15 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: Block, Inc.
State: OK

Complaint narrative:
XX/XX/XXXX XXXX There was a gas transaction initiated at the pump, Which put a {$75.00} hold on the card, but before the transaction was started, it was canceled at the pump, at {$0.00} I then made another transaction conpleting a gas purchase It appears it was XX/XX/XXXX when I 1st noticed that the {$75.00} was never put back into my available balance by available abolence, after looking at it, it was no longer marked pending, in fact it was marked completed I contacted cash app That is when they referred me to contact XXXX XXXX XXXXXXXX, the gas station where the transaction took place, I then contacted XXXX XXXX  XXXX, was able to speak to a representative who has encountered the situation with cashapp previously, he sent me documents confirming that the transaction was closed out with a {$0.00} balance from XXXX XXXX  XXXX, very shortly after the transaction was 1st initiated. I then reached back out to cash app relax relaying the information from XXXX XXXX, also submitting copis so submitting copies for verification And have continued to get the run around with robotic responses An avoidance of finding a resolution, I have continued to be passed on from representative to representative from representative to representative to representative to representative over and over, i was given a case # XXXX And have repeatedly been told that they have escalated my case to the proper division, it's division, but when I try to reply through email I get a response stating we closed your case because the response was provided and it's been more than 3 days since we've heard from you, there was never any response necis any response necessary or even an email for me to respond to, adding to their avoidance and closing a case that is obviously not is obviously not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/2021 a mortgage application was completed with Finance of America LLC, a mortgage lender, for a property located in XXXX, NJ ( XXXX XXXX XXXX, XXXX, NJ XXXX ). All underwriting conditions were completed within the same business day of the request. The lender made the initial guarantee to close in XXXX. The lender then requested the appraisal company take photos and appraise the comparable properties despite having no authority to trespass onto other properties nor the relevant to the mortgage application for the property. An appeal was made from our attorney as the condition is not relevant given the appraisal amount for the property in question far exceeding the XXXX amount and the property noted in good condition as per appraisal and inspection. Further, the mortgage lender waited until the date of the lock expiration to " find '' another condition as an excuse to charge more closing costs for the purchase. The mortgage broker ( XXXX XXXX, XXXX, NMLS XXXX ) handled business with the male applicant, and only would communicate the same information to the female applicant if directly requested by the male applicant as clear form a discrimination. The company is now requesting business records for any company with which either applicant is involved for the last three years despite business income not claimed as part of the transaction and K-1 forms already provided. Both applicants DTI, income, and credit far exceed the minimum requirement for this and any lender yet are met with poor communication, interrogations, and never ending unreasonable requests. The lender misrepresented and misled the borrowers about their ability to obtain a mortgage with the company, dragging the process out more than 45 days and preventing the borrowers from finding another mortgage company and costing the borrowers undue hardship for time, cost ( appraisal, inspection, lawyer ).

Company response to consumer: Closed with explanation