vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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:
I settled the XXXX with account number ending XXXX. This account has been paid in full.

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 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
I received the following email and I never took any type of a cash advance from any company. 
XXXX XXXX!!!!!!!!! EMAIL!!!!!!!!!!!! 
Customer Id XXXX XXXX XXXX <XXXX> XX/XX/2021, XXXX XXXX  ( 10 hours ago ) Case File # : XXXX - XXXX Loan Information Past Due Amount - {$980.00} One Time Settlement- {$320.00} Creditor Ace Cash Services DearXXXX XXXX XXXX XXXX Department of Ace Cash Services has decided to mark this case as a flat refusal and press legal charges against you.

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is placed on hold by the United States, so before something goes wrong, we would like to notify you about this matter. 

Consider this as a final warning. And we are Emailing/ Fax this issue to your current leader to create positive results and take strict action against you. 

We will be forced to proceed Legal Action against you and once it's processed the somebody has entire rights to tell your leader and your references concerning this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you are taking care of this out of court then we are going to unharness the clearance certificate from the court and that we can check that nobody will contact you in future. 

Do revert back if you would like to eliminate these legal consequences and build a payment arrangement nowadays instead, we'd be continuing legally against you. And this is often to send word you that this notification also will be sent to your current leader. The opportunity to require care of this volunteer is quickly returning to associate finish. We would hate for you to lose the choice of breaking this before it goes to a consequent step that could be a suit against you, however to try to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru between working hours XXXX XXXX  to XXXX XXXX ( EST ) Department of Law & Enforcement ( Ace Cash Services ) Copyright 2021 Ace Cash Services| Privacy | Terms of use Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In Regards to XX/XX/2021 Response to Complaint # XXXX XXXX XXXX from Executive Office of Customer Advocacy is a fabricator. Recognize that he dodged the parts I mentioned about how all phone calls are monitored and recorded. He did not address that and would not provide the CFPB or me with all the phone calls that took place starting the Tuesday before XXXX up until a month ago. That is because it would work against everything XXXX XXXX stated. Not sure where he's getting the initial amounts of {$1600.00} and {$2300.00}. There were two ACH payment requests put into the system on XX/XX/XXXX and XXXX -- one for {$680.00} and the other for {$610.00}. The agent on the XXXX requested the second amount in addition to the first because the agent from the XXXX requested the wrong amount. And instead of having two ACH payment requests, she cancelled out the first and just put in one request for {$1300.00}. The two amounts of over {$300.00} that I later received in the form of checks had nothing to do with that amount. They were for other credits that had been applied to my account after the fact. His response to your agency will be used in my supporting documentation in my lawsuit against them. The judge will order them to present all the phone calls, which will prove and confirm XXXX XXXX is a liar ... 

Again -- No need for Company to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
I submitted one payment to The Money Source https : //www.tmscustomer.com/ Website on XX/XX/XXXX. Normally I did get an email confirmation. I logged into my account XXXX onXX/XX/XXXXand did not see any transaction log for my payment. I called up and spoke with someone and informed me to make another payment. She did not see either payments in her records. She said she would call me back to cancel one. Later that day I get two confirmation of payments. 
XXXX for {$3000.00} XXXX for {$3000.00} I called later that day on XX/XX/XXXX and spoke with agent XXXX and he said he would try to cancel one payment. 
I had to borrow money to cover the second {$3000.00}, just in case the transaction does go through, since I would be charge by my bank for not having enough and also TMS would also charge me for submitting a transaction and not having enough funds. 
I log in to day XX/XX/18 and no updates on transaction and payment. This is very bad service and I have not gotten an update or email explaining what happened and why my mortgage account was not credited already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX  ( reported as SYNCB/XXXX  # XXXX XXXX : XX/XX/XXXX payment 30 days late. Payment was made on XX/XX/XXXX. I was actually 6 days early, per their own statement, which I have attached. The months right before and after this date are also paid on time, so I have also attached XX/XX/XXXX and XX/XX/XXXX statements. I have not been 30 days late ever. You'd think with all these fees and creative interest hikes, they could afford to get their records straight. Perhaps I should charge them a fee.

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 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I need my payments tooken out in the XXXX of every month and to be lowered as low as possible I want to take part of the COVID 19 protection plan I can not afford these high payments ty

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 2021-01-18 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In mid XXXX i was in a accident, i sent Kia Financing a bank transfer for {$4500.00} to pay off my loan thinking i would get a check from insurance, well the insurance company also sent Kia finance a payoff transfer. I have called Kia once a week for close to 100 days requesting my refund, each time i call, they promise to send me a check, which never shows up ... I called them today and again promising to send a check in 10 to 14 days, I am now unemployed because of a cutback at work relating to covid and i need this money now. The people i talked with today in cust. service is XXXX, and a superviser XXXX in cust. servise

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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
Collection Bureau of America has been sent out collections notification to me regaurding an alleged debt to XXXX XXXX XXXX XXXX in the amount of {$1800.00}. 

I responded with a letter asking to verify debt. They sent me back on XXXX documents that they say verify this debt as being mine. 

I NEVER signed a contract with XXXX  XXXX  XXXX XXXX. 

The original contract I had with XXXX XXXX XXXX was terminated XXXX when my unit was put up for auction, as per the letter I received from XXXX and XXXX. I spoke with XXXX the manager at XXXX XXXX XXXX  at the time and informed her that I was not able to pay the outstanding balance of {$410.00} prior to the auction date and advised her to proceed with the auction to clear the debt owed and she agreed. 

XXXX XXXX XXXX XXXX never sent me to notice of them acquiring the unit by mail or otherwise prior to my verification letter sent to XXXX on XXXX. The first time I have seen this was AFTER I asked them to verify the validity of the debt from the collection agency. I received a letter dated XXXX notifying me that the unit that was purchased and was now owned by XXXX XXXX XXXX XXXX. 

COLLECTION BUREAU OF AMERICA has NOT provided proof that I signed a contract with XXXX XXXX  XXXX XXXX, nor that I was notified of the change of companies prior to XX/XX/XXXX. 

If my contract was not terminated on XX/XX/XXXX with the auction that was held by the XXXX XXXX XXXX XXXX then XXXX XXXX XXXXXXXX XXXX held on to the contract from the time of acquiring the business until XX/XX/XXXX to build a XXXX XXXX enough to take to collections, knowing that I was in default and up for auction PRIOR to them purchasing the business. On XX/XX/XXXX I received my auction notification from XXXX XXXXXXXX XXXX XXXX in the amount of {$410.00}. 

XXXX XXXX XXXX XXXX never notified me of an auction that was held for my items since they have acquired XXXX XXXX XXXX XXXX. 

The contract that was sent to me was part from XXXX XXXX XXXX XXXX and part from XXXX XXXX  XXXX XXXX. The documentation has been altered and presented as though it is original documentation. I have my current contract with XXXX XXXX XXXX XXXX 

The ledgers that were sent from XXXX XXXX XXXX XXXX via XXXX XXXX that the unit was processed for forclosure on XX/XX/XXXX with 8 months of increased fees ( no notification sent prior to those fees increasing ), insurance fees, and late fees. My bill went from {$410.00} dollars to allegedly owe {$1800.00}. 

From the ledgers that were sent to me on XXXX, I show fees of {$740.00} that were obtained from the auction that was held. No notice was sent to me regarding this auction during any phase. 

Collection Bureau of America is continuing its collection on me with documentation that is not legit and practices that are not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Called Equifax in XX/XX/XXXX to have my comments/personal statement removed from my credit report because I was in the process of applying for a mortgage and the underwriter wanted my comments removed. Not any of the comments/personal statement notes were removed after my initial request. 
I called Equifax back in XX/XX/XXXX and nothing was done and no one had any record of my request. I again requested that the comments/personal statements be removed. I called back and a " customer service " supervisor '' stated that I was given erroneous information and that a dispute form was not needed and a statement was easy to remove. I was told that this may take 30 days to update. I check back 30, and 60 days to see if any changes were reflected on my credit report. I waited and as of XX/XX/XXXX, all of the cases that I opened have been closed as completed and nothing has been done about my multiple requests to have my comments/personal statements removed. I ran my credit report on XX/XX/XXXX and all of the comments are still showing on my credit report. This is delaying my opportunity to obtain a mortgage. I need immediate attention to this problem completed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: FL

Complaint narrative:
I settled the XXXX with account number ending XXXX. This account has been paid in full.

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 2021-01-18 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: FL

Complaint narrative:
I settled the XXXX with account number ending XXXX. This account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The following and attached is further proof of Chase card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached. When researching, I found much more including many civil lawsuits. XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXXXX/XX/XXXX2 XX/XX/XXXXCards ending XXXX & XXXX, XXXX XXXX, Chase, my identification, and files including XXXX XXXX, XXXX XXXX XXXX Mobile Phone account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was completely destroyed in XX/XX/XXXX with 32 of water from Hurricane Harvey affecting me for years and still is affecting me. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife and impersonation. The fraudulent bounced Chase One payments that allowed the credit limit to be wrongfully exceeded were not authorized nor due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. My credit report information reflecting Chase is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter serves as an official 5th complaint for XXXX and Transunion for incorrectly reporting false public information on my credit reports with each provider. XXXX has already removed the incorrect Bankruptcy filings from my report about year ago. All 3 credit reports should have identical, correct information. This incorrect information is hendering me from obtaining necessary funding for my family and I need to survive during this XXXX Virus Pandemic. I am requesting the assistance of CFPB once again to help me get his issue resolved.

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 2021-01-18 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance Corporation. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and OCC, the company continues to be non-compliant., Requesting a re-investigation compliant.

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 2021-01-18 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Attorney General XXXX XXXX announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 

Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 

The deficiency on my loan has been waived and the balance on my loan has been forgiven. 

Please, delete this account from my XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
due to covid 19 I had called td bank to close my account back in XXXX of 2020 but there was some founds that was never deposited in my account. I was advised not to worry that they were going to fix it and take care of the situation. this went on for months and kept getting charged all kinds of fees. I finally got a hold of a lady that realized what was going on and she finally got me to the right person and they closed the account. but went I asked them to refund me for all the charges I accrud due to there mistake they told me they could only go back two months. If I did that to td I would have the fib at my door.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This debt started as a shake down to get me out of an apartment for one months rent due, I left on my own. This alleged law firm negotiated an amount for me to settle the billing. I went to pay it in person and it was not accepted. They got a judgment after serving me at the address that they removed. As a result they are garnishing my wages and collecting interest as a third party collection agent. they have also reported these lies to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and OCC, the company continues to be non-compliant., Requesting a re-investigation compliant.

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 2021-01-18 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: PA

Complaint narrative:
XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and XXXX, the company continues to be non-compliant., Requesting a re-investigation compliant.

Company response to consumer: Closed with explanation