vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Energy Information Agency of the US Government reported the other day that natural gas will increase 30 % this Winter plus 10 % for a cold Winter and an additional 10 % in any event because of the skyrocketing cost fo natural gas. 

Then there is the enormous increase in gasoline and the increase in electricity. 

Yet the Bank of America could care less! It demands full and complete payment monthly on my car loan with it! 

It engages in possibly age discrimination as it holds me to the standard of a much younger person who has full-time work. 

The Bank of America personnel in charge out in California has been brutally cruel me regarding a prior application for reduction in monthly car lone payments, even threatening to take my car away from me even though I must have it to visit my physicians! 

This is not a bank! It is an obscenely greedy money machine paying its top people in the many millions of dollars per year plus huge bonus packages! 

A bank without a conscience, that is what the Bank of America is in these respects! 

And it is deception to say it is " The Bank of America '' as if it be a branch of the Federal Government!

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 2021-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Online fraud report Account # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX around XXXX, I got an email from XXXX XXXX saying that a wiring of {$24000.00} from my account # XXXX has been confirmed. As soon as I got it from my cell phone I called XXXX  XXXX to let them know that my account seems to have a bridge and tell them that it was not from me and they need to stop any transactions from it that day. Later I saw that {$24000.00} was wired to a XXXX  FED # XXXX XXXX Chase XXXX XXXX XXXX XXXX # XXXX Trn # XXXX Rfb # XXXX. After talking to the wells fargo rep, She checked my phone #, address, pin # and text me a code to verify my identifty. She told me that they can't do anything right now and I need to go to a wells fargo branch and tell them to call them back directly to verify my identity with picture ID. I went to 3 branches in all of them they told me that they are busy and can't help. I have to go a branch in XXXX to get help where they told me that this was done online and they stated that I did send money to my brother to buy a car. I don't even have a brother at all, without my knowledge or approval. I told them they need to cancel all my transactions that day to prevent any payment. At the branch, they took my ATM and destroy it in front of me and close my account. What I can see that XXXX XXXX bank didn't try to do anything that day because if it did, that person should alert JPmorgan bank to do not disburse money at all. After 20 days of investigations, I got a letter from XXXX XXXX saying that wiring was done by me or somebody I have giving authorization. I think they are wrong on that because I have never wired nobody money online since I opened my account in XXXX. Please help in investigating with local police where this happened. Usually even when I want to buy in local store if I try to spend more than {$500.00} I will get a message saying that I need to call XXXX XXXX to confirm it's me. I was curious why they allowed to wire that much amount without verifying with me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am writing this complaint against United Revenue Corporation : ACCOUNT : XXXX, XXXX, XXXX the original creditor was Texas Medicine Resources. The collection company of United Revenue Corporation violated my HIPPA rights and as consumer I am afforded protection. There in non-compliance of FCRA SEC 605 ( c ) and the FDCPA SEC 809 ( b ) major violations. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. HIPAA Collection Agency Validation, Dispute, Cease & Desist .This letter is to notify the agencies that your company are violating Federal, State , FRCA and FDCPA. You also have violated HIPPAA policy law. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, and State Bar associations for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages. 

Please find documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
On XX/XX/2021. I the consumer. Under 15 usc 1602 ( i ), original creditor and natural person in fact, blood and flesh man of given name XXXX XXXX XXXX. Come before XXXX In good faith to the cfpb. Whom Is Allowed and appointed by congress Pursuant to 15 usc 1691 ( c ) - Administrative enforcement ( a ) ( 9 ) to address this issue.. I the consumer was denied extention of my credit. Based on the allegations of records found in my documentary material attached in this compliant. The alleged found is, a violation pursuant to 15 us 1691. Congress has not set out forth these decisions as LAWFUL reasons for non discrimination or refusal of my extension of credit under 15 usc 1691 ( b ) ( c ). Also, as this adverse action has not been deemed satisfactory under 15 usc 1691 ( d ) ( 5 ). As I have not exceeded 150 applications within a one year calender. Also, on the facts given, it is also a violation under 15 usc 1691 ( e ) ( 1 ) as stated company failed to furinsh me with the copy at no additional cost of any and all written appraisals and valuations developed in connection with my application but, in no case later than 3 days prior to my denial decision. Stated company is also in violation of failure to notify me during the application of my rights to recieve a copy of each appraisal under 15 udc 1691 ( e ) ( 5 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: CarMax, Inc.
State: AL

Complaint narrative:
The account is more than 7 years past the 1st delinquency. The term of the loan is reporting incorrect, the final payment is reporting incorrect, late payments are being reported to credit agency but not the on time payments. I wrote to carmax auto finance, and called to try to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I received correspondence from XXXX XXXX XXXX where it states that XXXX XXXX is the Original Creditor for this debt. I have never made an agreement to pay this collection agency. I have not signed any contract with XXXX XXXX XXXX stating that I will pay them. The only thing that should be reporting to my credit report is data that is been validated and this XXXX XXXX XXXX account has not been validated. XXXX XXXX XXXX is using deceptive credit practices and that is unacceptable and against the law. I know my rights and according to 15 USC 1692g I am the original creditor and I am the only one who can validate this debt. I do not validate this debt. In a previous CFPB compalint Experian stated that they " [ need ] authorization from [ me ] to proceed with [ my ] complaint. '' This is MY authorization for the Consumer Finance Protection Bureau to proceed with my complaint. I have attached my drivers license and utility bill as proof of identity and proof of address, something ONLY I can have. So there should not a be a response to this complaint from Experian saying that they still need my authorization, this is it.

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 2021-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
XX/XX/2021 Consumer Financial Protection Bureau RE : Midland Mortgage Loan Modification does not respond. 
Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( Attach_I ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased the payment {$500.00} dollars per month. 
They increased my rate and increased my Home Insurance and made me pay more. 
I already sent the information but being the same company they are doing the same. Delaying and they have not responded to my request for Loan modification even though I already sent all the information. 
They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt. 
This time I should be helped since I am the home owner. As the FHA guidelines suggest. 
My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX amputation XXXX. 
2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch Interval International. 


Sincerely yours, XXXX 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 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 U.S.C 1692a ( 6 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. XXXX has investigated this dispute and removed the error immediately. If all credit reporting agencies retrieve their information from the same original creditor there should be no misinformation.

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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/21 I checked my Bank of America App and it showed a transaction processing for XXXX. I then got a message board and XXXX of your stockholders XXXX XXXX  XXXX XXXX was bragging that she blocked my transaction because she wanted my po box in the XXXX area XXXX area, Can you believe the levels people go to just to get a XXXX XXXX XXXX I became alarmed and checked BOA app and it showed someone had placed a credit of XXXX on XX/XX/21 around XXXX. I then received a email from USPS with the following messaged " We attempted to authorize your credit or debit card payment for the following po box , but the transaction was not successful. " ; there was no reason for the transaction to be blocked because all the funds were in my account. So I now need to know first why are you allowing stockholders/ or stalkers the ability to access customer 's account and this needs to be investigated because I should not have someone who is stalking me, also able to access my banking information regardless if their a shareholder or not. Bank of America needs better banking policies intact to prevent these things from happening to consumers.

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 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: New Century Auto Sales, Inc.
State: MI

Complaint narrative:
In XX/XX/2021 I purchased a vehicle from RightWay in XXXX Michigan, I traded in my Jeep, they offered XXXX towards the purchase of the new used vehicle. On day 3 I went to RightWay and told them there are some serious issues, the car shook going 35 or higher, when when trying drive from a stop or trying to pass the car may or may not go and the RPMs will rev, so you turn or pass at your own risk, when the car does engage it will lurch forward. The RPMs rev at random times while driving. The right front tire wobbled. RightWay agreed to pay for everything wrong with the vehicle for which I was satisfied. Then I discovered the vehicle had been in an accident and from the 2 days of driving the front bumper was separating from the frame and a crack in the bumper became visible. They werent going to replace the bumper so I said I want to return the vehicle, they said to bring it in and they will give a full refund. They said the transaction would be reversed as if it never happened. So I brought it in, they started the paperwork, they said since they paid my loan off XXXX of course would have to get another loan for what I originally owed on my Jeep before all this happened which was XXXX dollars, so okay no problem. My mistake I signed all the paperwork to repurchase my XXXX without reading what I was signing. I was told my payment is going to be the same as it was before XXXX $ a month, they sold me an extended warranty for 4 more dollars XXXX $ a month. I was told my loan was through XXXX XXXX and XXXX be getting the paperwork in the mail. What I got in the mail was 2 letters from XXXX XXXX saying thank you for your interest in a loan and showed my credit score with an explanation of how to improve it, so I dont even know if the loan went through, I received 3 of these. I then received the application for Michigan title and registration which XXXX XXXX is listed as First Secured Interest, under that the purchase price of vehicle XXXX. I was flabbergasted, this transaction never happened yet they are charging me XXXX dollars to buy my XXXX back when I only owe XXXX. They never sold me the car, I never traded in my XXXX, yet they are charging me XXXX more. This is not right, and now I dont know if the loan went through so can they technically repo my own XXXX? This is wrong on so many levels and I dont know what to do. I just want to pay what I owed on the XXXX. Im a veteran, Im on XXXX, I dont have the money to get a lawyer for this, Im just sick about this. I dont know how I got in this mess I dont understand, I cant lose my only form of transportation, I would appreciate any help at all. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: VA

Complaint narrative:
Goldman Sachs has called me 5-6 times in relation to an alleged debt I owe after a credit transaction I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to Experian in regards to incorrect address on my credit report. The addresses that should be removed is XXXX XXXX XXXX XXXX XXXX, Ga XXXX, XXXX XXXX  XXXX XXXX apt XXXX, XXXX, Ga XXXX, & XXXX XXXX XXXX XXXX XXXX Tx XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, GA XXXX. I have also ask to verify and remove the US AUTO Finance/ do to my credit report stating the balance of XXXX, & the account transferred over to new lender. Please delete

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 2021-10-18 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I currently lease my car through Ally Auto. This is the third time I have had problems with them reporting false/inaccurate information regarding my account to all of the credit reporting agencies. I honestly dont know how this company continuously gets away with this. Its fraud. It affects peoples credit score it is not okay. During COVID-19 I had a similar issue and it took months to get fixed, I couldnt even speak to a manager or anyone who could help me from Ally for MONTHS! Recently I filed a dispute on my Ally account status on my XXXX credit report. Back in XXXX I filed for chapter XXXX bankruptcy however my car lease with Ally was not included in this. Both myself and my attorney have both spoke to and sent correspondence with this information to Ally Auto. Not only that, I have continued to make my monthly car payments and am good standing with Ally. They have reported that my account was closed and my lease was included in the bankruptcy which is false information. After the dispute they then changed it to my account status is in forbearance or deferred and I havent made a payment since XXXX. Again this is false.

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