vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: GA

Complaint narrative:
I have a XXXX XXXX with Carmax Auto Finance Account # XXXX. 

I use a service called XXXX who charges my credit card and then writes checks on my behalf. Since I started this loan in 2017. XXXX charges my credit card on the XXXX of every month and the checks are deposited on the XXXX. On 6 different times over the course of the loan I have been told by Carmax whether it be collection agencies calling or letters written stating that I'm late or haven't paid. Each time I have to go through the process of providing them Bank statements and check numbers ( which I get from XXXX ) in order to show payment. Each time Carmax determines it was an error on their part and everything is cleared up. It continues happening time and time again. My belief is that Carmax is trying to scare or bully me in to making multiple payments on my account. They call me at all hours of the day and night and send multiple letters to my home each time. I wish they spent as much time investigating their own business practices as they do harassing their customer. I wish I was able to move on from them, but they have the loan on my vehicle so what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX requested my credit report without my knowledge or authorization on XX/XX/XXXX. As per XXXX, an application was received online using my name, address and the car I currently own but used an email address other than mine. XXXX tried to contact me via the email used on this application and it was bounced back. I received a letter from XXXX dated XX/XX/XXXX denying this insurance application with a NY Credit Disclosure Notice from Trans Union attached. 

I requested a copy of my credit report from Trans Union and it does show an inquiry was requested by XXXX on XX/XX/XXXX for insurance underwriting. 

A per my conversation with Trans Union yesterday, my Social Security number was necessary for this inquiry and so I have frozen my credit reports with all three reporting agencies as well as my credit cards. 

Neither I, nor anyone in my household applied for any type of insurance or quote from XXXX or have ever been insured by them. As per the advice of their Underwriting Department I filed a police report with the XXXX County Police Department, 1st Precinct in XXXX XXXX, New York, today, XX/XX/XXXX and XXXX will be forwarding this to their Fraud Department.

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
I sent an affidavit requesting a purchase agreement from XXXX communications validating the debt held by XXXX XXXX. It was delivered XXXX and its been well over the 30/45 days threshold to be verified. It was for {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX  XXXX & XXXX contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  XXXX & XXXX contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
To close my mortgage, I initiated a transfer from my Bank of America checking account to my Bank of America mortgage account on XX/XX/XXXX. The amount is gone from the checking account but has not reached the mortgage account. I made multiple calls to Bank of America but they have not figured out where the money disappeared. Please help me out. The transfer amount is over XXXX dollars.

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 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The bank is terrible. When I got my car, I told them that the car dealership lied to me and the co-signer about the loan we were signing and to take his name off because they told us once I update my license they can remove him. But now the bank and the dealership are saying they cant. This man just signed as a co-signer because he liked me and thought he could win me over if he did it. I was XXXX ; I didnt know any better. The guy is XXXX or XXXX XXXX XXXX and was just trying to get me. I didnt know none of this. I told him just because you co-sign doesnt mean I want to be with you. He started threatening me and texting all kind of evil and crazy things. I had to rent out my apartment and move because Im scared of this man. The dealership and the bank said they cant do anything, but I know they can and that my life is at danger. And I didnt know all this was going to happen like this. This is my first car, and I felt victim to a man who gave me a ride to the dealership and the bank with this issue and interest rate. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
I am contacting you because I have recently reviewed my credit report and there is an account showing open that has been closed since XX/XX/2020 but is still repays open. And is affecting my credit in a negative way, I was added as an authorized user on the account of someone in XX/XX/2020, and I was removed from the account in XX/XX/2020. The account should have be showed as closed on my credit report but it is not, and it is still reporting as an open account, I have contacted the company who the account was with and they said it is closed and has been closed for months. This means that the credit bureaus are reporting inaccurate information which is a violation of the FCRA.

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
I have been working with XXXX XXXX and XXXX XXXX on my mortgage and mortgage closing. The two have been unresponsive in my requests to acquire the closing documentation ahead of the date. I have asked for all of the closing paperwork in writing 4 times and have received nothing. I have also tried calling but neither answers their phones nor do they return my calls. The closing is tomorrow and we are trying to keep it short given the pandemic but that won't be possible now. I have never had issues getting this paperwork in advance before.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since May and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/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 2021-01-15 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 have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since XXXX and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: TX

Complaint narrative:
I contacted RISE via chat on XX/XX/XXXX to try to get an item removed from my credit report. The lady I spoke with said they did not have an account for me and they should not be reporting anything on my credit report but when I pulled my credit report today I saw RISE reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
Medicredit Debt Collection Agency contacted me via mailing in XX/XX/2020 about a medical debt from the billing department of XXXX XXXX  in XXXX, NC. I contacted a XXXX XXXX XXXX, XXXX XXXX in the billing department and verified the debt amount owed, as well as, the medical service date. Soon after, I reached out to Medicredit Debt Collection Agency to settle the debt owed from XXXX XXXX. 

In XX/XX/2020, I paid the verbally agreed upon debt settlement amount reached with XXXX, a Supervisor from the Medicredit Debt Collection Agency location in California based on an agreed upon percentage amount within the month of XX/XX/2020 ; I have submitted proof of the two adjusted payment amounts which were email receipted to me on XX/XX/2020 and XX/XX/2020. 

Also, I was also told once the debt was settled that the debt collection would be removed from all three credit bureau reports within 30 days. Medicredit Debt Collection Agency has not kept the pay-off agreement by removing the debt from my credit reports and continues to perpetuate a non-existent debt as being unpaid.

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 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
I received the attached email of what appears to be a fake debt collection attempt. I don't believe it to be a legitimate debt collection and I do not owe such amount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
I am contacting you because I have recently reviewed my credit report and there is an account showing open that has been closed since XX/XX/2020 but is still repays open. And is affecting my credit in a negative way, I was added as an authorized user on the account of someone in XX/XX/2020, and I was removed from the account in XX/XX/2020. The account should have be showed as closed on my credit report but it is not, and it is still reporting as an open account, I have contacted the company who the account was with and they said it is closed and has been closed for months. This means that the credit bureaus are reporting inaccurate information which is a violation of the FCRA.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2020, I noticed that there are a number of transactions on this credit card statement which are not authorized by myself. I called the Fidelity Rewards Visa and disputed the charges line by line. The fraud claim # is XXXX. The total was {$11000.00}. I was told that everything is taken care of and I don't need to worry. On XX/XX/2020, I noticed that all those charges initially credited are reversed back to debit to me. The claim has been closed and in the meantime, there are four more charges posted after XX/XX/2020 that are not authorized by myself. So I disputed on these four charges total {$1700.00}. The claim # is XXXX. I do not know the resolution on the second claim but for the first claim, I request to reopen the claim since these charges are not made by myself and and I should not be responsible for them. The reason to reverse the charges back to me which is eluded to me by the company 's representative is that they think I must have authorized the transactions since the physical card is still in my transaction and these card can not be compromised. I have to strongly disagree. Yes, I have the physical card with me all this time. But It did not translate automatically to that I must have authorized them. I know I did not. I have since filed police report with XXXX police Dept XXXX Officer XXXX case # XXXX. In those charges in question, there are charges made at XXXX XXXX and XXXX XXXX XXXX. I believe the credit card company should be able to find who checked in the hotel and whose membership are used along with the charges made at XXXX XXXX XXXX. I believe that these traces can lead to the person/persons actually committed the fraud and to find how they committed the fraud. Fidelity Should make them liable instead of me. If they can locate the person, it would also prove that there is something wrong with the system ( charges made without signature ) and it can be compromised. I just want Fidelity to reopen the claim and relieve me from the debt I am now in. Give justice to me and the society by going after the true criminal.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Barclays and Bank of Hawaii have sent me a letter and advertise on their website that I can apply for Covid related payment deferrals, but when I go though their process ( only way is a link through my account ), it will not allow me to submit or process the request. I have been trying to use this link several times since fall but it will not work. When I call Barclays customer service they just say, " sorry you are having trouble, there is no other way ''. Bank of Hawaii customer service tells me I have to call Barclays.

Thank you for your time. 

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am refinancing with a different company. Fifth Third Bank, in sending the payoff amount, included a late fee. This was prepared in XX/XX/XXXX as you can see. I've NEVER been late nor charged a late fee. They added this fee before the grace period ( 15 days ) was even over! 

I called today, the rep said too bad, that's just what they do and they can't send anything different to escrow XXXX XXXX and this is about to close. 

They are trying to get PAID for a fee I did not incur through escrow! If I hadn't checked my closing documents carefully I might not have seen this, and how many other people have they don't this to? This isn't my first home so I'm aware of charges. This is wrong and they are unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I was taken to court for foreclosure by CALIBER HOME LOANS ( CHL ) who claim to be the servicing company for XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX as trustee, However the courts found in my favor on three occasions dating from XX/XX/XXXX to XXXX XXXX It is clear the statute of limitations ( SOL ) to collect, foreclose or threaten legal action ; is six years in XXXX  XXXX  XXXX . Despite the ( SOL ) running out XX/XX/XXXX ( CHL ) continues their attempts to collect the alleged debt, place negative information on my credit report violating the Fair debt Collection Practices Act and threaten legal action by selling/ transferring or assigning the non-preforming debt. to XXXX XXXX XXXX. proving their commitment to unfair and deceptive business practices. see Court documents attached costing me over {$150000.00} in lost rents due their court action and harassment in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for forgiveness under the PSLF program on XX/XX/2020. I have tried to check on the status of my application at least 7 times via phone and live chat and gotten incredibly inconsistent information about whether my application was received, whether it had been reviewed by Fedloan, when/if it had been sent to the dept of Ed, how long that process would take, and how I would be notified of its forgiveness. One representative even told me I wasn't entitled to know where my application currently was. I'm so frustrated with the misinformation and lack of transparency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
They will not let me open account they do not tell me why

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 2021-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I have contacted Bank of Hawaii to defer payments for my Covid loan. I initially contacted them in XXXX, but was told I had to call back after my first payment was made. I contacted Bank of Hawaii XX/XX/XXXX to defer the loan. The agent told me I could choose to defer two months : XXXX or XXXX. I chose XXXX, he said ok, and called me back XX/XX/XXXX to confirm my choice. I confirmed XXXX due to my financial difficulties due the Covid shutdowns locally and nationally. 

Today, XX/XX/XXXX, a Bank of Hawaii Collections agent called me to confirm the paperwork for the deferral. In the paperwork, I am being charged a {$15.00} interest and late fee charge for my XXXX payment. I had paid my full minimum payment due for XXXX with the loan payment on XX/XX/XXXX. This payment was automatically deducted from my checking account. 

The bank reversed this payment XX/XX/XXXX, then charged a late fee and interest payment, referring my account to their collections department. When I refuted the late and interest payment with the Bank of Hawaii agent, she told me that this was all in the loan terms and I had agreed to it. I told her I had not seen the loan terms or agreed to the late payment. I am still being charged and have only four days over a three day weekend, receipt due XX/XX/XXXX ( a bank holiday ) for them to receive this paperwork and payment, which must be mailed, otherwise the deferral is void. 

This kind of thing needs to be stopped, especially when they are the ones handling covid funding granting.

Company response to consumer: Closed with monetary relief