vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
This account was paid in full I see on my credit report it shows as a charge off which is a direct violation of my rights as a consumer per fca I paid the account in full since its mentioned as a charge off on my credit reports ANY PAYMENT INFORMATION surrounding the account should be removed and not available remove any late fees surrounding this account as Ive already taken care of the debt this is a violation of my rights regarding this account I never received any notification for this account only whats placed on my score which is also a direct violation of my rights as I have to be notified REMOVE THE LATE PAYMENTS AND ANY negative TRADELINES SURROUNDING THIS ACCOUNT from my credit REMOVE THE LATE PAYMENTS AND ANY negative TRADELINES SURROUNDING THIS ACCOUNT from my credit Or I will move forward with litigation there are numerous clas action lawsuits against this company for invalid reporting and NO NOTIFICATION SURROUNDING DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CarMax, Inc.
State: MS

Complaint narrative:
For the last two days, a representative from CarMax XXXX XXXX has called me before XXXX XXXX  and left voicemail. On Monday, XX/XX/2022, I was called by XXXX at XXXX am XXXX, and today, XXXX XXXX, 2022, she called me at XXXX am XXXX and left another voicemail. 

Ive had an auto loan with CarMax for six years now, and have never had a problem with them until this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
I have been charged numerous times throughout 2021 with fraud charges that I have not authorized. I have had to have my debit cards closed and replaced 4 times in the year. Most recently XX/XX/XXXX for XXXX different charges equalling {$130.00} The provisional credit was reversed with explanation that the companies provided proof, however, I can not get through to these companies as I do not have accounts with them. This is a constant issue I have with keybank and have never had with my other banking institutions. My accounts never seem to be secure and not getting the protection from Key

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
My account been reporting as closed for XXXX XXXX from XXXX with a balance of {$830.00} which is false because the account is still open to this day. My credit dropped over XXXX points because of this. XXXX XXXX XXXX have been lying to me stating they been reporting to the credit bureau every month. Im currently on the phone as I write this. They told me they been reporting to the credit which is lying. This is XXXX! This is not fair to me when I got ta try get an apartment or car. This is criminal activity. This is unacceptable that this company allowed this to go on this long

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 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: CO

Complaint narrative:
Albert checking/savings account opened ( estimated ) XX/XX/XXXX and signed up for genius XX/XX/XXXXXXXX XXXX XXXX  a monitoring service that monitors spending at {$4.00} a month. After multiple months of requesting to cancel my account per their instructions starting XX/XX/XXXX Albert refuses to answer my texts or emails and continues to charge me for genius. 

I have sent multiple texts and emails requesting to close my account, to no avail. I have written a letter notifying them I am pursuing legal action. No response other than an automatic response. I sent a withdrawal of consent to contractual terms. No response. 
It is XX/XX/XXXX still no response when they profess to return messages within hours. My account with XXXX XXXX was charged again last night. I want my money back and to close this account forever. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
This company did nit validate the debt. The sent me a list with my medical procedures which is a violation on HIPPA! Not to mention that is NOT my signature on the documents. I tried to handle this the correct way, but I will have my attorney involved. Not only are they in violation of HIPPA, but falsley signing documents is a criminal offense. I want this removed off my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/2021 I made a charge of {$15.00} on my XXXX beauty card. I updated my address and never received a statement. I tried to pay online but website was down several times. I called again to make a payment but there was a phone assist fee of XXXX. When I was finally able to get my payment made on the website I was charged a late fee. 
I made the payment including the late fee and the following statement in XX/XX/2021 I noticed an additional late fee of {$15.00} charged to my account. when I tried to make the payment again the website was down. I have been charged a total of two late fees which are of no fault of mine. This company is treating me unfairly and purposely trying to not allow me to make payments so it can charge fees. They are unwilling to assist when you call or refund the fee and hang up on you when you want to close the account. I want this account closed and I want my fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is deceitful, misleading, and falsely advertised financial hardships for their credit cards. On XX/XX/2022 I explained to 3 different Capital One representatives at XXXX in regards to my financial hardship and the inability to pay due to severe life-threatening medical condition that put me out-of-work. I explained to these representatives that I was unable to make a payment until XX/XX/2022. 

The programs they offered as follows. 

Program 1 : I pay {$98.00} on XX/XX/XXXX, {$98.00} on XX/XX/XXXX, {$98.00} on XXXX to get me current on the bill totally {$290.00}. I told the representatives this does not make sense if my minimal due is {$28.00} per month plus the late fee of {$28.00}. This, if I paid XXXX & XXXX XXXX of {$28.00} totaling {$56.00} plus the late-fee which is {$28.00} doesnt total {$98.00}. Further, if I paid the late fee + the two minimums I should be current. There would be not further need to pay {$98.00} per month. One representative agreed to my statement. 

This lead me to believe Capital One is fraudulently collecting fees and being scandalous and deceptive in leading customers believing that they are catching up on their balance and becoming current when they already are. 

The second program waives the late fee as if Capital One is actually doing something to help, the persons credit is still ruined by the negatively reporting and the interests still piles up. 

Capital One does not have a program that genuinely helps a person during financial hardship especially with the Covid-19 pandemic revving back up with the new variance. For example, XXXX Texas is back to a Stage 5 meaning maximum Covid protections. 

Capital One is a terrible financial company that swindles the low-income and people of XXXX especially XXXX Americans. Minorities are more likely to shop @ XXXX than XXXX and low-income individuals are more likely to get credit and barely pay the minimum and experience financial hardship. 

This is a terrible company. Dont worry about responding because all Capital One will do is send me a letter via email explaining nothing new. 

Capital One doesnt even care to reach out by phone when requested a phone call due to XXXX XXXXXXXX. 

I want this to be publicly posted to warn people of what Capital One is doing to help them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
This is an addendum to yesterday 's closure of the complaint after speaking with someone familiar with Foreclosure law. Shell Point Mortgage is in violation of Michigan law for the following reasons 1. Michigan law states that 15 days before a notice of foreclosure is sent to the newspaper. The sheriff must post on the property a notice of foreclosure as of XXXX am est on XX/XX/2022 no notice has happened the first newspaper notice was placed on XX/XX/XXXX or around that time. Which shows they don'tcare about the laworconsumer rights. 

2. I have asked them numerous times to contact me so we can discuss this they have not responded.

3.The website says we are in forbearance or foreclosure which is it. 

We are adding this to our MI AG Complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: NC

Complaint narrative:
I sent an email on XX/XX/XXXX to let the company know that i was XXXX to a secret location and i would not have access to any communication and I wasted to be covered by the Civil relief act for Soldiers. They never responded to me. I called again on XX/XX/XXXX and they asked me if I wanted to make a payment. They never sent me correspondence or advised me that my account was charged off. When I called on that day I paid the account off in the amount of {$5900.00} and they mailed me my Title. Even though I paid the account in full they still charged off {$7200.00} of the Account selling it to another company. If they charged it off, I would like to receive my money back with interest and the account moved from my credit file because their practices are criminal in taking advantage of military individuals.

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 2022-01-11 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: FL

Complaint narrative:
I sent Synchrony Bank my coupon indorsed for payment to balance the account. Mailed certified XX/XX/2021. They refused to accept it. They have not returned my payment coupon & continue to attempt collection stating they have not received payment. Out of fear for a suboptimal credit score I have sent additional payments to maintain an account in good standing. I contacted customer service online XX/XX/2021 to ask that my remittance coupon be returned. It was not. I second sent a letter has been mailed registered XX/XX/2021 with copies of the previous mailing.

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 2022-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

In XX/XX/XXXX, this account was stated as being late. XXXX XXXX {$9500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Notice, I have been on time with all my other payments and at the time my account was on auto pay. This was clearly an error on behalf of chase to deem this account as late. It is affecting my credit worthiness and has put me in a state of distress as Im trying to purchase a home and the lender is stating that this late payment is hindering me from reaching my financial goal and credit worthiness for the home that Im seeking to purchase. 

If you would as to be so kind to revise my account and remove late payment from XX/XX/XXXX I would be most grateful.. Ive sent letters and even spoken with a representative stating my claim on XX/XX/XXXX and mailed certified letter on XX/XX/XXXX. After speaking with the chase representative m, she agreed that the late payment may have been caused by an error on their end and that they would look into. It is now XXXX and the late payment still remains. 

Please consider my stellar payment history as a form of my integrity in this matter.. Thank you. 



XXXX XXXX {$9500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/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 2022-01-11 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
i made a purchase and ended up returning the item. i was confirmed e mail from seller i was refunded chase bank claims they refunded my credit card but the bill does not show a credit according to the numbers new balance i meant and its not the first time they have done this they will tell you what you want to hear but does not corispond to what they actually do. just sick of them pulling XXXX every now and then. because they know its very hard to really have anything done about it in my opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
we sent a wire on XX/XX/2021 for {$60000.00} dollars to our supplier in XXXX XXXX, XXXX have sent them over the years hundreds of wires, this particular one was never delivered to them since then, we have contacted our bank numerous times, finally back in XX/XX/2021 HSBC bank who is the reciver bank requested more info, we provided everything immediately but neither us or our bank XXXX bank have gotten no reponse,, we finally decided just to call back the funds in XX/XX/2021, and even with that no response, the reciver has gotten in touch with HSBC XXXX XXXX but they are sayin g HSBC usa must answer, we are stuck and need help, ive attached the original wire documents and i will povide all reference numbers, reference # on the recall XXXX original transaction number XXXX original reference numer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Frost-Arnett Company
State: GA

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 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
An error was made in the escrow analysis by Flagstar Bank that has resulted in Flagstar Bank charging me nearly {$2000.00} extra per month, unnecessarily. I have provided documentation from my town 's tax collector confirming the correct tax liability for the escrow analysis, and Flagstar Bank has ignored me. They have not responded to my request for a new escrow analysis and persist, now for the 5th month straight, in over- billing me by nearly {$2000.00} a month. I have sent numerous emails and made several futile phone calls, suffering through their phone system like a rat in a lab experiment. Please help.

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 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There were inquiry made on my Equifax report that werent authorized by me Equifax sent me a letter stating they would remove the inquiries but never did the inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a call from Rocket Mortgage regarding information regarding the process of a mortgage in the future. The rep stated he will need to access my credit report, when asked if it would be a soft or hard inquiry he stated it would be a hard inquiry, I then stated to NOT pull my credit, but it was completed without my authorization. I have reached out to Rocket Mortgage as well as escalated my concerns on several days XX/XX/XXXX, XX/XX/XXXX, XXXX. The phone call was pulled and reviewed where they acknowledge I stated do not pull my credit, but stated because I verified my information they are able to access my credit without my authorization. Ask again, you can access my credit when I say No because you have my information on file and was told yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have reason to believe and do so believe the statement received on XX/XX/XXXX ( and all statements prior ) have been interest dividends or credit issued to me in the form of coupons or bonds. The evidence of this belief is due to my statements Ive received reflects as a positive balance on the account in reference to the full balance of {$6700.00}. If this was a debt owed this would be in a negative balance or this is a computational error. 
I have reason to believe and do so believe there has been a failure or mismanagement to properly apply credit issued to me in the form of coupons due to the misrepresentation of this account. I have been made aware of what an instrument is and at the date of this accounts conception I have issued instrument ( s ) which should have paid and tendered payment for services rendered from this account. 
The evidence of the credit being issued to me is my monthly statement which comes to me in a positive balance as an investor who funded this account with the securities and instruments given from the date of consummation. If I were to have owed a debt, this statement should be in a negative balance. I believe this is credit being issued to me and my endorsement has been needed in order to authorize how the credit should be applied to my account. 
In order to clarify that such credits on the account have not been misapplied, or any false claims of securities causing a tax liability has occurred due to this error, illegal securitizations, trades, hypothecations, interest, and proceeds fraudulently misapplied in my name, as beneficiary of the account, I require the documentary evidence which includes tax records, recordkeeping of both the journal and ledger entries in accordance with IRS publication 583 and other supporting financial records. 

My billing error notice has been mailed to your registered agent and the address found on my statement via certified on XX/XX/XXXX. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation