vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am receiving abusive and repeat call CCS who suppose to be a collection agency. They make threat of false arrest and send mail with authorization of debt that is not owed. I have received ton of debt from the collection company that not owe or from other accounts that are not in collections. I have ask them to stop the repeated calls and abuse of communication with me. I am filing a complaint because the last call is impersonating an Attorney, and false misrepresentation of the facts. I am a military Veteran and I don't think I owe this company anything because I do not have a physical contract with CCS. I just want this company to stop the calls and attempt collect a debt that is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I sold my home and paid off the mortgage with Arvest Bank on XX/XX/XXXX. I have not received the escrow " difference '' in the amount of around {$2600.00} as of XX/XX/XXXX. They first said it was mailed to the " address on file '' which was the home that was sold. ( I did complete paperwork at closing with a forwarding address for all post closing issues ) I reached out via email to their mortgage customer service and received no response. The next day, I called and they said they would re-issue the check next day and mail it to the correct address. This was 2 weeks ago. I still have not received the check. I have called to verify it was sent the next day and they assured me it was. This is the 2nd huge issue I have had with Arvest Bank Mortgage Division and it was also an escrow issue. When I refinanced my loan with Arvest back in XXXX, they neglected to update my insurance information and when it came time to pay the insurance premium, they paid the wrong company causing several issues including my insurance to lapse and my mortgage payment to go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Was not notified of investigation status or results
Company: CL Holdings LLC
State: MS

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD bank. 

Ok so my Father was bed ridden so we did a power of attorney, brought it to the local branch where he started the account XXXX knows how many years ago, where he went every week and knew everyone there. 

They take 2 weeks to " update into the system '' with the power of attorney. 

THEN drop on me that the account is closed due to my mothers Social security and my mothers JOINT tax return going into the account ( which has happened for YEARSSS but they decided TODAY they didn't like it ) Account is being closed and funds will be going back to the IRS and SS.. ok fine. 

4 months pass, nothing, I call and complain, they can NOT talk to me as the POA is not on record for me ( so what did I wait 2 weeks for? ) I call the branch assistant manager XXXX, he says they are WRONG and the POA is on file, so this goes back and fourth with TD corporate and TD branch both saying different things and refusing to speak to one another, after many complaints I decided to contact CFPB.

Side note a few payments DID go back to SSA, but the rest remain in the account where TD branch is saying its " not there '' yet the statements come to the house and say it is. 

also Corporate will still NOT talk to me ( other then to take a complaint that seems to go NO WHERE ) due to the lack of POA which local branch claims is on file. the acconunt statement shows {$2800.00} in the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I, XXXX XXXX have proof that Ally XXXX XXXX has violated my rights pursuant to XXXX XXXX d ) ( XXXX ). Ally Financial XXXX has reported highly delinquent information to the following credit reporting agencies. Ally Financial XXXX is in violation of XXXX usc XXXX XXXX h ). Pursuant to this title and subchapter, Ally Financial XXXX has unlawfully collected XXXX completed payments from myself, the consumer, and directly applied such payments to this debt from the date or XXXX XXXX, XXXX until XX/XX/XXXX. Ally Financial XXXX is in violation of XXXX usc XXXX ( d ), Ally Financial XXXX has contacted me multiple times in attempt to collect this alleged debt. XXXX usc XXXX XXXX d ) states that a debt collector XXXX not engage in any conduct with the natural consequence of which is to harass, oppress, or abuse any person in connection with the connection of a debt. Ally Financial XXXX compiled deceptive forms and furnished them and used them to create false belief that a person other than I, the consumer is participating in this alleged debt collection, when in fact such person is NOT so participating pursuant to XXXX usc XXXX ( j ) ( a ).

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 2021-08-16 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: GA

Complaint narrative:
I have a fraudulent account showing up on my credit report. I dont recognize it nor did I authorize it. I submitted all the proper documents and Transunion is still reporting this fraudulent account on my credit report. 
Name of fraudulent account : USDOE XXXX Account # XXXX Amount {$9500.00}

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 2021-08-16 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 — Was not notified of investigation status or results
Company: BTH Management
State: MS

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
My ex open an account with Barclay 's credit card without my consent. I found out two years later with my app XXXX XXXX because of missed payments. I address it with Barclay 's and they decided to scam me and say that was my account. There's no audio or anything that said I allowed her to access my credit card. I then took it to an attorney to handle the matter. Yet they still insist on scamimg me. This is just a brief summary.

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 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2021 I am on the phone and chatting with two Paypal customer services and they refuse to close my account. In addition, I am still on the phone for over 50 minutes he was yelling at me being very rude. I asked for a supervisor and I am still on the phone waiting. While my friend tape-recorded the conversation. XXXX on chat will not answer my questions or assist me in closing my account. In addition, I can't pay XXXX on the website because the ( Paypal ) website doesn't work. I want to close my Paypal account and I am refused because of retaliation. I already filed with the US Attorney General 's office, US Department of Treasury, and FDIC. 

Paypal ran by Schronony Bank has so many poor ratings it is the worst and they refuse to close my account and has the worst customer service that yells at customers and over 1 hour-long wait times. The customer service needs therapy sessions as they yell at customers and treat customers poorly. I tape-record the conversation and sent it to the federal government. I want my account closed! 

THIS IS NOT A DUPLICATE COMPLAINT

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 2021-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an email from Bank of America on XX/XX/21 requesting that I call them to discuss and finalize an auto loan counter offer. However, after calling the phone number provided I waited on hold for more than 1.5 hours and was unable to talk to a loan officer to agree to the new loan terms. 

I feel like I was misled and deceived with the loan terms because Bank of America is not making anyone available to discuss the original auto loan terms I applied for and the change in terms they are proposing.

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 2021-08-16 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: FL

Complaint narrative:
I am a victim of identity theft, I filed my police report and have contacted the creditors and credit reporting agencies of the fraudulent accounts due to identity theft. I wish to have these accounts immediately removed

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 2021-08-16 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 — Was not notified of investigation status or results
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The Federal Reserve suspended the limit on account transfers. Bank of America continues to threaten me and I'm sure all of its customers with fees for going over a transfer limit that has been suspended. I have tried several times to contact them by phone. Its seems they can't spare enough money from their XXXX XXXX XXXX dollars in yearly profit to hire ample customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Account # : XXXX Balance : {$0.00} XXXX XXXX  Account # : XXXX {$8900.00} - Charge off XXXX XXXX Account # : XXXX Balance : {$570.00} - Charge off ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is debt is more than 20 plus years, it is to my knowledge that after 7 years it can not be collected on.

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 2021-08-16 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I purchased my property in 2005 at the cost of {$130000.00}. Since then, I have been having modifications with the servicer. Since ever, my loan balance stood on {$120000.00} after all these years. When I confronted them, I was told that by balance increased due to surcharges, late payments, litigation fees, modifications fees, inspection fees and others. I asked them why did they include all as my loan balance and continue charging interests on the balance. They failed to answer this questions. I know, that the period of modifications should be treated with caution and other late payments. I asked them to consider removing other surcharges during the time of renovating the property. Please I want my loan account to be reviewed professionally. PHH mortgage servicing is my mortgage from OCWEN. I am confused and saddened over the balance I see on my mortgage after 16 years. Please help me on how to reduce my loan balance. 

Yes, I bought the house at the cost of {$130000.00} plus {$20000.00} down payment, but the down payment didn't reflect on my mortgage balance. It could have been {$110000.00}. But the second XXXX is being paid {$20000.00}. I was scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XXXX XXXX 2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase my own insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation