vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Many thanks for your help. Most of the stolen money was paid back except around {$8000.00}. Thank you again and it is nice and comfort to know that federal bureau looking after 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 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Merchants Automotive Group LLC
State: NH

Complaint narrative:
I am being charged a " Door Knock '' Fee in XX/XX/XXXX/XX/XX/2021 for an Private investigator being hired to hand deliver me a demand for payment from Right Direction. I never received said notice, as the Private investigator was sent to the wrong address and location to provide me with these papers. Right Direction has my updated address on file in XXXX, NH, but yet still went to a location in XXXX that has never been associated with my account nor has been a place I have ever been to in the last 5 years of having this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: DC

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Services used an incorrect address in all of their communication attempts. The initial biller, XXXX XXXX, also used an incorrect address. Therefore, I never received any communication from the collection agency or the biller about this liability. 

The debt was paid immediately after I discovered it, after applying for a mortgage and it learning that there was a medical collections on my credit report.

I've attempted to work with both the biller and collection agency to have the collection removed from my credit report, as they failed to communicate with me. Both have been unwilling to assist.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Tried to transfer my overpaid balance on XXXX XXXX XXXX XXXX XXXX Mastercard - XXXX to associated bank of america checking account. It's been over 10 days and had several phone calls with customer service, yet as of today ( XX/XX/1994 ) the overpaid balance is still not processed, nor is customer service able to do anything about the pending request.

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 2021-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I started the forbearance program in XXXX of XXXX with XXXX. During this time my job was secure and i was still making all my monthly payment on time and in full. Recently, in XXXX of XXXX i lost my job due to the pandemic, and have stopped making my mortgage payments while on the forbearance program in XXXX. In XXXX of XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. i extended the forbearance once. So now im 5 months into not paying my mortgage. 
Midland Mortgage is stating because i started the forbearance in match of XXXX regardless of the fact that i have been paying all that time and have now only been delinquent for 5 months that i can no longer extend the forbearance program. 
So does this also mean i can go back to XXXX  XXXX and tell them hey since i was on the program I want all my money back that i stood and paid during the forbearance program? 
This is completely unfair and does not make any sense whatsoever. 
This complaint to with my current mortgage holder Midland Mortgage, a Division of MidFirst Bank.

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 2021-08-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Inquiries have not been deleted from my credit report despite submitting FTC report : XXXX XXXX-XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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:
Hi Its been almost 4 months since I started disputing the inaccurate information on my credit report, I am not sure whats going on but I need these errors off my report as soon as possible. I requested for you to validate these accounts for I believe these are mistakes. The letter was sent on XX/XX/2021 but until now the mentioned negative items are still on my report nor have I gotten any response from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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:
Hi Its been almost 4 months since I started disputing the inaccurate information on my credit report, I am not sure whats going on but I need these errors off my report as soon as possible. I requested for you to validate these accounts for I believe these are mistakes. The letter was sent on XX/XX/2021 but until now the mentioned negative items are still on my report nor have I gotten any response from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have called as well as submitted multiple FTC reports in the past showing that I have been a victim identity theft. The fraudulent hard inquiry I am trying to have deleted is for Equifax : XXXX XXXX XX/XX/2021 They have not deleted this inquiry despite me sending in 4 rounds of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX I sent in letters regarding inaccurate reporting false items on my credit report and I have not received a response yet. I feel like I'm being ignored on my disputes. This deceptive practice by the bureaus.

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 2021-08-25 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: DC

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a bill from XXXX XXXX for an unauthorized charge to renew the XXXX XXXX. I immediately contacted them. They assured me that I would be refunded the full amount of the charge. I then closed the account on XX/XX/21. I then get a notice from Transunion that I have a delinquint account. XXXX XXXX for {$10.00}. I contact them and they informed me it was an interest charge on that item that I never purchased. They said they emailed me the bill which I never received. My credit score was XXXX. I worked very hard to get it there. Transunion dropped my score 75 points for this????? # 1 Don't you think I would have paid a {$10.00} bill? # 2 How can they drop my score 75 points over this? I filed a dispute with Transunion over this on XX/XX/21. I don't have any results of the dispute and my credit score is XXXX!!! This is so unfair!

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 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was on the deferment program with Mr Cooper mortgage comp due to Covid for a year and half. My term is up in XXXX. I called to see my options now as per letter l, options being pay in full, move the XXXX to back of loan, payment plan or remodify my outstanding balance. Now they tell me I dont qualify for anything. I can short sale my home. That isnt an option for me. Im a single Mama of XXXX. I was current before the Covid hit and I lost my job. Now back on my feet ready to pay mortgage. They are telling me XXXX  XXXX  will put me in foreclosure due to the loan. I need help. This isnt fair to us homeowners that assumed we where gettin help yet blind sided with the ending results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was charged {$500.00} two times for product I have never received. The bank is refusing to refund money for these fraud charges and they are backing up their partners Apple, Inc. They said they have the rights to charge my card and I cant do anything about it. This credit card with gold man sacks is called apple credit card that is why they are taking apple side! 
I have not made these transactions and i want my money back asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
I am an XXXX XXXX. I needed to pay an expert for one of my cases who lives in XXXX. I sent the money via MoneyGram at a CVS drug store near our office. The individual could not collect the money because he ID name did not match exactly the name I used when I sent it to him. I have been trying to get this fixed. First, CVS said I have to go to MoneyGram. They have no contact information on their website or on the receipts for assisting a consumer. I submitted a request for help on their website. It took at least four business days ( and a weekend in there ) for a reply. The phone number they sent requires you to give information about your age or to accept some kind of " promotion. '' I could not get through to a person without doing this. I kept getting disconnected. Then I pressed a number associated with one of the " promotions '' and got a person. Told him the problem that I need the name fixed so my expert could collect his money and he said he would help me but FIRST I was going to get some XXXX card promotion. I said " no, I don't want anything '' and then I was disconnected on the call. I sent this money on XX/XX/2021. It is {$1500.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has been reporting an inaccurate Public Record on my Credit profile since XX/XX/XXXX of 2019. I have requested proof of said record and any information followed. They have neglected to fulfill me on my request of validation of said item. I have also forwarded Experian proof from XXXX whom they say verified the public record that they dont have a Bankrupcty under my name or Last 4 of SS I have sent copys of the Bankrupcty being found inaccurate by XXXX  and XXXX  as well as a letter from the court saying that they don't report to the credit bureaus.

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 2021-08-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent in a request for an investigation and to advise of inaccuracies on XXXX  XXXX XXXX Account # XXXX. I got a response on XXXX XXXX yet inaccurate and missing data remained. It closed date was updated no closed date is listed. The date of first delinquency does not match the month the month the account was actually late. 

According to the industry standard accurate, and full data needs to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: AZ

Complaint narrative:
The value of our property has increased over {$100000.00} and we are wanting to eliminate our PMI. 

The servicer, Cornerstone has refused a new appraisal because of an internal policy they have that required 2 years seasoning on the loan, even though the HPA specifically states that the servicer can not infringe upon the borrowers rights- regardless of internal policies designed to prevent borrowers from eliminating PMI

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
Keep receiving calls from this number XXXX. They do not identify themselves but ask for me by name and then ask for my date of birth and home address. Every time I refuse and they ask why, I say the same thing. I dont know who you are and what you are calling in reference to. They always say the same thing its in regards to a debt you owe and we need to identify you before proceeding. I still refuse to give them any information and today the lady said, you can verify me by doing a XXXX reverse phone lookup. So I did and now I have the name of the company that do not owe anything to as Southern Credit Recovery , INC . 
I have been receiving this same call continuously with no one ever giving any further information unless I am willing to give them my personal information. I refuse to especially because they do NOT even identify themselves or the name of company they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: IN

Complaint narrative:
The account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. The account also can not be verified. I have requested verification more than once and received nothing. My information was sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Received a call from a call center to inform me to call a different number because a civil litigation was about to filed against me. They gave me a reference #. They claimed to be with XXXX XXXX XXXX, they also called me by my maiden name that was changed 13 years ago, so I knew it was for something old. I XXXX the attorney and called. Per the lady I spoke to she had been getting similar calls to her office and that it was most likely a scam. Received another call about a week later. I called the XXXX # that he gave me this time and they claim I need to pay an outstanding debt from over 15 years ago and due to a tolling agreement they can still file suit. They claim to have sent me a demand letter in XXXX. I asked them to email it. The email I received claims I owe a bank for overdraft fees over {$2100.00}. The letter appears to be very generic. Claiming to file a suit against me if I dont pay in full in 30 days. No way this debt is valid, it was never on my credit report and {$2100.00} in overdraft fees is just crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ACCOUNT NUMBER # XXXX CAPITAL ONE AUTO FINANCE My name is XXXX XXXX XXXX, and my account number is XXXX. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always I have financed XXXX XXXX XXXX ( XXXX XXXX ) with Capital One Auto Finance on XX/XX/XXXX, however I did turn the car back into the dealership in exchange for XXXX XXXX XXXX with the same dealership on XX/XX/XXXX. 
My credit report shows a late payment for XX/XX/XXXX, which is not accurate, because I turned the car in before my payment day, which means on XX/XX/XXXX I no longer was the owner of the car, and I leased a new car with the same dealership and made a payment for the new car. PLEASE SEE EVIDENCE ATTACHED! MY DUE DATE WAS 21 DAYS AFTER I ALREADY TRADED THE CAR!!!! I DID NOT RECEIVE ANY MAIL EMAIL OR PHONE CALL REGARDING THAT PAYMENT!!!! 

I have tried to contact customer service, by phone email and mail!! I have been told that it didnt show update in the system until mid XX/XX/XXXX, which makes it the dealership fault on not reporting in on time! The dealership where I got the car from is no longer in business and I cant contact them regarding this issue

Company response to consumer: Closed with explanation