vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
K my name is XXXX XXXX XXXX well you already now that we got money cuz of the XXXX well i got my money and i had it in my card still i wasn't trying to spend like every one else i really trying to by myself a car so i told myself to buy a car so that u can go out and find a job well i had called to get myself a card cuz my money wasn't adding up right with my money so i got my new card like in the middle of XX/XX/2020 so it had like {$4500.00} well i had to pay my rent cuz u now i have been staying in a motel do to not having my own place so i took out {$700.00} and then i took out {$500.00} just so i can have some money in my pocket well i found a room to rent from a friend well i try to take out the money so that i can pay the rent money well to find out my card was lock so i called the bank to see what had happen and they told me to edd which i did and they told me to send them copy of my Id and that to give it XXXX XX/XX/2020 and my card should be ready to use well i have the bank of America app on my phone so well the days went bye XXXX the XXXX of XXXX came so i was checking to see if my money was still they and it was well i gave it XXXX XX/XX/XXXX and i only had {$500.00} on it well ever since then I've been calling and calling but they kept telling that edd was going to put it back on my card but then i called edd and they tell to call the bank cuz they anit just going to give money and then take it back so oh no but the must crazy thing is that i called to see when was the last time i took money out now know that i don't or couldn't take any money out do to i was waiting for edd to unlock my card right well it was telling me that i had took money out on the XXXXand on the XX/XX/2020 but there was no way it was me cuz my card was locked so oh but now i am still waiting on my new card cuz i lost my and i've been waiting on it since the XXXX of XXXX well someone is still taking out my money and i call the bank over and over and just keep telling to call edd and i have but they said that i need to talk to someone from the claims well i have TRIED and tried and tried but no luck so can u guys please help me out thank u so much.

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 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: MN

Complaint narrative:
I have been unable to ascertain the amount due for my XX/XX/2020 monthly mortgage payment. 

I have asked AIM Loan to tell me how much is owed for the payment but they have failed to respond. On XX/XX/2020, i sent an electronic message via their secure message function on their website asking for them to advise on the amount due. As of XX/XX/2020, they have failed to respond in any way. 

On XX/XX/2020, payment for the amount I -believe - is owed was paid to AIM Loan. The payment cleared the bank. However, AIM loan 's account service website does not show the payment being reflected as of XX/XX/2020. 

On XX/XX/2020, I contacted AIM via telephone to confirm payment was received and that payment was full. The agent advised payment was received but was unable to tell me why it was not applied to my mortgage or if the amount paid was correct. 

AIM Loan does not appear to be responding to even basic inquiries and appears to be misappropriating consumer funds. I ask for CFPB to review and take action, up to and including seeking to prevent AIM from initiating or servicing mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: IN

Complaint narrative:
At the end of XXXX - XXXX I was in the process of a move and career transition. I contacted Sallie Mae, my student loan provider, to request a forebarence on a few of my loans that I had with them to make the transition and move more seemless and easy for me financially. I was told over the phone the my requests had been submitted and accepted and that I would not have to pay on my loans for 3 months. About a month later, my cosigners and I started getting bombarded with phone calls from the company claiming that I had payments that were late, that were incruing massive late fees and penalties, and that I had to make the payments on the loans, which was completely contradictory to what they had discussed with me on the phone. I was not in a position to make those payments, as I was in the middle of a career change, a move, and had already made plans for my finances that didn't allow me the flexibility of repaying those loans at that time. So a couple of my loans went past due for a few months ( XXXX and XXXX XXXX, and XX/XX/XXXX ), i missed some payments, and a couple others were missed for about one month ( XX/XX/XXXX ). I did what I could to keep the loan payments up to date but was obviously unable to do so entirely. The company completely misinformed me, telling me that my forebarence was approved, and then turned around a month later, without notifying me, and started requesting payments and charging ridiculous late fees. The company was unwilling to negotiate any flexible payment options and just insisted I pay the full balance and late fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX balance. I have the proper documentation stating that it is paid in full. XXXX XXXX  is also trying to collect on this debt. I will attach the {$0.00} balanced receipt

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 2020-12-01 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:
A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX balance. I have the proper documentation stating that it is paid in full. XXXX XXXX is also trying to collect on this debt. I will attach the {$0.00} balanced receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute with Experian about removing an account from XXXX and asking them to explain how they came to the conclusion that this invalid account is accurate. Their response to me was that this account was updated. The response which came to me on XX/XX/2020 did not state the method of verification they used to verify this account. I have the right to know this information and it is illegal for them to withhold this information from me.

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 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I recently obtained a copy of my credit report ( CCS ) continues to violates my rights and my privacy asa consumer according to Fair Debt Collection Practices ACt. Also this company is in vioaltion according to 15 USC 1692. I have attached a copy of my FTC report and License.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
National Credit Adjusters ( NCA ) sent an email to advise that I have a debt with them of a principal amount of {$400.00} which is now {$1200.00} and if I don't contact them in two days the debt is going to go up to {$8400.00} ( attached email ). They did not provide any phone number to call and believe the company is engaging in unfair and deceptive acts and practices in the collection. They have also reported this to the credit bureau. 
NCA is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and is engaging in the unfair and deceptive acts and practices in violation of sections 807, 807 ( 2 ) ( A ), 807 ( 4-5 ), 807 ( 7 ), 807 ( 10 ), and 808 ( 1 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692e, 1692f. NCA has misrepresented by inflating the amount actually owed on the account they say I owe. I do not have an account number of the debt they are alleging I owe nor have they provided any call back number. NCA has threatened me with legal actions including lawsuits, visits from process servers, and arrest when NCA does not have the legal authority to take those actions.. NCA 's claims are false and misleading, and thus NCA is committing deceptive acts and practices in violation of section 807 of the FDCPA, 15 U.S.C. 1692e, ( 2 ) ( A ), ( 4-5 ), ( 7 ), and ( 10 ) Unfair Acts and Practices in Violation of the FDCPA Inflation of Account Amount! NCA is engaging in unfair or unconscionable means to collect on debt in violation of section 808 ( 1 ) of the FDCPA, 15 U.S.C. 1692f ( 1 ).

Deceptive and Unfair Collection Activities under the CFPA. 
NCA has previously engaged in unfair and deceptive acts and practices as shown in Administrative proceedings File # XXXX, Consent Order on violations, and is in complete disregard of Consent Order stipulations signed XXXX of XXXX 2018, which is still in effect ( 5 years ) and enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an Equifax account and all of a sudden I had a Fraud Alert as one Co. alerted me when they try to check my credit report, they could not. That Co. was a landlord in a place I trying to move in. So that was ok, but what happened with the Fraud Alert? I did not initiated. On their website the member can initiate a Fraud Alert him/her self. But there is no way for the member to remove it. Can NOT remove it? ( why? ) I had a dispute in XXXX, but that was resolved and case was closed. 
Than I had to call Equifax. Finally after several persons and several hours, the person tells me that he can remove it but I need to Fax over a copy of my Driver License and my Social Security card also one copy of a utility bill. 
Because I'm in a desperate situation to move into my new home I did Fax to the number were given to me by Equifax person. 
1- If the member can initiate an Fraud Alarm, how come we can not remove it. ( Their answer was : Security reason ) That I think is a bit overstatement for this isssue. 
2 - They should not ask for any copies of documents like Social Security Card or Driver Licence over Fax. ( Where is the security here? ) Also when we call they asking for Social Security number on the phone. ( where is security here? )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

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 2020-12-01 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: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWIDE HOME LOANS
State: UT

Complaint narrative:
We apply for the loan with city wide home loan It was a home loan. 
Loan Officer name XXXX XXXX under writer : XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXUT XXXX We put XXXX XXXX dollar down as agreed earnest money deposit. We were told that we were approved for the loan. We paid {$450.00}, the home inspections fees, when it time to close on the house. We were waiting for das and they keep extended on time but we agree that we will be close on XX/XX/2020 as we done all of our due diligence meet all deadline provide so much document as requested, as the day to closed to no fault of us we were told that we will not be closing on the home no reason given we lost the House a swell as earnest money deposit.

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 2020-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
My mortgage payment was {$59000.00} with the payment of XX/XX/2020 the payment of XXXX went up to $ XX/XX/XXXX.No explanation from banco popular.Had a home insurance policy with segurosmultiples.This policy was canceled several times this year.My mortgage holder ( Banco popular ) never informed me that my coverage had been terminated.Had to make many calls to banco to finally be informed that my coverage was in effect until XXXXXX/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 2020-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
After Filing multiple Covid Hardship wavers. I had to surrender the XXXX XXXX XXXX to XXXX XXXX in XXXX. XX/XX/XXXX. Chrysler Capital refused to honor both the warranty, repair, and shotty workmanship on a car held together with plastic. 

Every month since XXXX had threatened to repo the car. Dealing with XXXX XXXX and XXXX corporate. Whom both laughed when I called from the side of the road broken down with my XX/XX/XXXX XX/XX/XXXX from the accident. 

a year and a half recovery on my arm, trying to save up over {$1500.00} in repair costs that were covered under warranty. and trying to pay the ridiculous car note XXXX refused to work with. as well as threatening and Defrauding XXXX Vets during a pandemic is a serious deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XXXX XXXX, 2020 I sent a second dispute letter to XXXX XXXX XXXX and XXXX  credit bureau regarding a collection/charge-off that was opened in 2020. XXXX  is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I SENT IN MY LETTERS TO THE CREDIT BUREAUS TO REMOVE THE INVALID AND UNVERIFIED ACCOUNTS FROM MY CREDIT REPORT AND I HAVE NOT HEARD BACK FROM THEM. PLEASE DELETE THE ACCOUNTS FROM MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have disputed this account with Citi banks through all bureaus as well as filed a previous CFPB complaint and there has been no positive change. I enrolled in Citis covid program in XXXX and was informed I WOULD NOT have to make ANY PAYMENTS UNTIL XX/XX/2020. Citi ended up closing my account in XXXX stating and no one was able to inform me why. Since then there has been a change in the balance owed how is that the case on a closed account? Im not using the card! the credit report shows there has yet to be a notice of dispute input by either Citi or any of the bureaus. I get more than 3 phone calls a day from this company on top of receiving phone calls after XXXX XXXX  which is clearly a violation. They are also reflecting a close date of XXXX, how was I able to enroll in a program of my account was already closed, and why didnt anyone mention that?

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 2020-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
I received a title loan on my conveyance through Title Max dba Title Max Inc located in XXXX XXXX Missouri in XXXX of XXXX. In XXXX I sent out documents advising that I was a secured creditor and executrix over the estate of XXXX XXXX XXXX and that I would be accepting for value the instrument that was autographed and to please honor that acceptance according to HJR 192 and the 1933 Bankruptcy. On XX/XX/XXXX I sent out an negotiable instrument once again asking that the debt be discharged and honored in Accord and Satisfaction. On XX/XX/XXXX Title Max sent my instrument back to me stating that they would not honor my instrument. According to U.C.C 3-603 and 3-311 a instrument that is returned to payor from the holder in due course in not only in dishonor but the " debt '' is to be discharged. I have contacted them on several occasions to settle this matter, but they continue to send threatening corresponding letters as if they will try to repossess my private property, as well as extort me for " payment ''.

Company response to consumer: Closed with explanation