vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I called on XX/XX/2020 at XXXX CST to negotiate my payment terms. I agreed to pay only if the account was completely removed from my credit report. The call center representative then said I can go online and request that the account be deleted after I finish paying it, so I gave them my card information and scheduled two payments of {$290.00} for XX/XX/2020 and XX/XX/2020 via phone. I go and look at their website ( https : //www.thecmigroup.com/ ) and there is not an option to request that they delete a collection from the credit report like the call center rep stated. So then I cancel the debit card, so the other payment will not be processed. I then called the CMI Group on XX/XX/2020 at XXXX CST asking for correspondence saying that the debt will be removed in turn for the last payment, then the call center rep stated that it is their companies policy to not delete accounts from credit reports after they has been paid. I agreed to pay the balance on the premise of the account being deleted from my credit report, the first call center rep that I spoke to on XX/XX/2020 lied and deceived me into paying the account by saying that I can request that the collection be deleted on their website which is false because ( 1. ) its not on their website like he said and ( 2. ) the CMI Group 's policy states that they do not delete paid accounts from credit reports according to the call center rep I spoke to on XX/XX/2020. CMI Group is an unethical organization that lies and tells debt consumers what they want to hear in order to collect debt. This company does not need to be in business, with their egregious unfair practices and tactics. Also, during this whole time, I have never received any written communication from the CMI group about my debt even after I made the initial {$290.00} payment, I do not even know my account number with the CMI Group.

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 2020-06-05 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: TX

Complaint narrative:
XXXX continues to state on my credit report that my account is past due and I have not made any payments on it. I have attached proof of payments made over the last 12 months. By law your reporting incorrect information and posting to my credit report. This is causing me a hardship and this information is false. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance

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 2020-06-05 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: AZ

Complaint narrative:
After a court ordered legal name change, Equifax refuses to update the account without proper documentation which is understandable. Even though this violates laws about collection of such information by having legal documents and photo copies of both driver 's license and social security card combined, they mandate it be sent through the US Postal Service. This method has now subjected me to identity theft as the documents that were sent are 'lost in the mail ' and Equifax is demanding that I resend copies, which again threatens the security of my private information. Meanwhile, my entire livelihood is on hold as I can not complete any transaction that is dependent upon a credit report from Equifax. My legal name is not in their system and therefore, I can not rent a home, purchase a home, trade in my vehicle, NOTHING. I am required to move to another state for employment and have not been able to for months because Equifax is uncooperative in finding a solution that does not demand my PII to be released to the public. In the digital age, they refuse to allow digital documents to be sent that would limit the exposure to theft. 
How can an agency have total control over an American Citizens entire livelihood like this and demand that personally identifiable information be combined and sent through USPS? Privacy Act of 1974 and other federal laws that govern PII include the " collection '' of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: WI

Complaint narrative:
I was a victim of Identity theft and I noticed a fraudulent account on my credit report from The XXXX XXXX XXXX. It was opened XXXX of 2020 with a balance of {$2200.00}. I called the company and disputed the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In past ( XX/XX/2019 ) I received a letter from XXXX my current mortgage lander, regarding for refinance my mortgage if I am interesting. I called them to discuss just to find it out what its the process time and closing cost that I am looking. I spoke XXXX XXXX at NewRez, At the begin, I specifically told her that right now I am not interesting and I dont want you run my credit at this time. However, anyway they ran my credit without my permission. By the way this phone conversion was recoded from their end. I also talk to her manager XXXX XXXX a week later to investigate since the phone conversion was recorded. After couple days XXXX XXXX called me and admits that they made a mistake to run my credit report to all three agencies without my permission. And he will be sending me a form that can be filled out so they ask the 3 credit bureaus to change the hard inquiry to a soft inquiry. After, I called few times left the message but I dont get any response back from them, neither the form. Finally they back to me after 9 months once they receive email from State Attorneys General regarding I made complain.

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 2020-06-05 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
There were unauthorized inquires on my Credit Report XXXX  XXXX requested my credit report on - XX/XX/2019 - XX/XX/2019 Roadloans.com requested my credit report on - XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: TX

Complaint narrative:
XXXX continues to state on my credit report that my account is past due and I have not made any payments on it. I have attached proof of payments made over the last 12 months. By law your reporting incorrect information and posting to my credit report. This is causing me a hardship and this information is false. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX continues to state on my credit report that my account is past due and I have not made any payments on it. I have attached proof of payments made over the last 12 months. By law your reporting incorrect information and posting to my credit report. This is causing me a hardship and this information is false. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance

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 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
ATM Dispute Claim No. XXXX. For 30 days I have been disputing an ATM Transaction with BB & T ( my Bank ) at Location XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I sent my former wife, and I use the legal term to clarify however she is still part of my family, and I have known her for over 46 years, to make an ATM withdrawal for me on XX/XX/2020. She helps me with chores including banking matters on a weekly basis and I also have XXXX daughters with her who are XXXX and XXXX, so my former wife is someone I trust fully. The ATM froze and malfunctioned on that day. BB & T deducted the {$500.00} withdrawal as the ATM machine recorded it as a disbursement, however it did not disburse the cash. BB & T alleges they balanced the ATM days later and it was not over money. They also said their proof that the cash was disbursed is a photo of my former wife " Standing '' in front of the ATM without any image of any cash whatsoever in the photo. I have asked them to look at the complete surveillance video which will show that my former wife left the ATM empty handed and proceeded to contact a bank employee inside but she was referred to call an XXXX number. I made the Claim the same day and it has been denied 3 times. I have no idea where the cash went and that is for BB & T to investigate if it went through the front of the ATM that another customer got it or through the back due to an insider job. I have no idea and I am not pointing fingers but since they are stating the cash was disbursed and I know that is not the truth then I am urging a higher authority to really look into the matter because I am not at fault by this incident. BB & T needs to prove my rep. authorized by me received the cash by showing me the video of XX/XX/2020 and they have not done so but only a photo that shows " NOTHING, NO CASH ''. Confiscating my {$500.00} is a violation of the law by BB & T and they need to return my money. This has caused me sufficient problems and they need to correct this bad on their part. Their ATM 's malfunction throughout town, lack maintenance or are outdated, the scanners do not scan all checks because its capability is outdated. I urge the government entities to assist me in mediating this matter with BB & T because it is not my fault that the ATM did not disburse the money. Thank you.

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 2020-06-05 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: DLC, LLC
State: NV

Complaint narrative:
Dollar loan center has reported incorrect late payment marks on my loan with them. I spoke several time with different representatives to set up payment arrangements. I followed through with the payments and was advised that as long as my arrangements were kept I would not get late payments. I was advised this by more than one representative before the loans contract expired. They were aware that my arrangement put me past the expiration date and I was still advised to negative credit reporting would happen if the arrangement was kept, which it was. I still continued to get harassing calls everyday even while on the arrangement. This account is now paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
synchrony bank closed 28 credit card accounts on XX/XX/XXXX XXXX XX/XX/2020 All accounts were in good standing never a late payment. they told me I was a risk to there bank and so closed all accounts all on one day. My credit score went from XXXX to XXXX which is really hurting my credit.I believe they are somewhat discriminating against me.these are some of my closed account CARE CREDIT - P.C RICHARDS - XXXX- GAP- JC PENNY- ASHLEY PAYPAL- AMAZON- CITGO- LOWS- HOME  DESIGN- XXXX- XXXX XXXX- XXXX- PEP BOYS- XXXX- MATTRESS FIRM- XXXX- BANANA REPUBLIC- OLD  NAVY. 
These are just some of them. I personally think this is not fair.I am continuing to make my payments on all my accounts even that they are closed. ( INPORTANT ) After all my accounts were closed I reapplied for a lows card and a BP gas and was approved. after 3 days they closed the accounts again. that is not right

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 2020-06-05 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: WI

Complaint narrative:
I was a victim of Identity theft and I noticed a fraudulent account on my credit report from The XXXX XXXX XXXX. It was opened XXXX of 2020 with a balance of {$2200.00}. I called the company and disputed the fraudulent account.

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 2020-06-05 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: The CBE Group, Inc.
State: WI

Complaint narrative:
I was a victim of Identity theft and I noticed a fraudulent account on my credit report from The CBE Group Inc. It was opened XXXX of 2020 with a balance of {$2200.00}. I called the company and disputed the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Debt Collection agency LVNV funding is incorrectly reporting a collection on my credit. I had a credit card, it went to collections, but then I went to a XXXX XXXX XXXX program, a program that helps pay the debts off for less than whats owed. LVNV is still reporting to XXXX  that I owe them, when the debt was already settled and paid by XXXX XXXX XXXX. I contact XXXX  to dispute the collection. Its only being reported on XXXX. Nothing on XXXX  XXXX  or XXXX. XXXX  will not remove it. I need help getting it removed from XXXX  report because its already settled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I couldnt pay my account in full in XXXX, so I called Nordstrom Visa to request for consideration to remove the monthly interest charges due to financial hardships brought about by the Covid-19 pandemic. I received a positive response to have it removed and made partial payments to my account. Unfortunately, I received a new statement with the interest charges still on my account with additional interest charge which gives a total of {$30.00} in interest charges alone. I called again on XX/XX/XXXX and was informed that Nordstrom Visa doesnt remove interest charges even on the basis of the Covid crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a victim of the scam and both the Bank of America and XXXX have refused to remedy the situation. 

I was selling my car ( XXXX  XXXX XXXX  ) on XXXX  at {$1200.00}. and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ). I received the check on XX/XX/XXXX and immediately deposited it via the mobile app. The buyer told me that she was moving to the Washington  DC area where I lived, and that by mistake she sent a {$3500.00} check including the mover 's fee ( {$2200.00} ). She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the mover named " XXXX XXXX '' through XXXX ( XXXX Transfer Conf # XXXX ; XXXX ) via my Bank of America account. On the following day, XX/XX/XXXX, once I confirmed, via the Bank of America mobile app, that the check was cleared and added to my bank account, I wired {$2200.00} to the mover via XXXX through the Bank of America mobile app, as directed by XXXX. Next day, XX/XX/XXXX, XXXX contacted me again, saying that her mom got injured and they had to cancel their deal, asking me to send {$1000.00} back to them through XXXX. It was the time when I checked my bank account and realized that the check was rejected, with {$3500.00} disappearing from my balance. I immediately called the Bank of America, which confirmed that the check was fraudulent. I asked the Bank of America to cancel my {$2200.00} XXXX transaction, but they insisted that the transaction was authorized by me and that XXXX has no fraud protection. In the end, I lost a total of {$2200.00} to this scam, and the Bank of America has refused to refund the lost money. 

My complaint is twofold : 1 ) The Bank of America cleared and posted the full amount of the check ( {$3500.00} ) on XX/XX/XXXX, which misled me to believe that the check was genuine and therefore to arrange the XXXX transaction. The bank then suddenly put the status of the check on hold in the following day ( XX/XX/XXXX ), with {$3500.00} debited from my balance. Why did the bank clear and add the deposited money to the balance without fully confirming the validity of the casher 's check? 2 ) The Bank of America insists that the explanation about the lack of the fraud protection in using XXXX in the " terms and conditions '' before a user uses the service for the first time. This is clearly not enough : I had no idea about the lack of protection, and the warning must appear in a far more conspicuous way before every transaction.

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 2020-06-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
We have been attempting to enroll in a Covid 19 program for payment assistance since XX/XX/XXXX. 
Here are the notes we have on our end : XX/XX/XXXX XXXX first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time. 
XXXX emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX for an update XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XX/XX/XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020, I attempted to place a security freeze on my report with Experian online. I received an error message after I inputted my information. It told me to mail copies of documents and my personal information to a PO box .

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