vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I had an attempted identity theft on my bank account and essentially every account I had any password linked to. Multiple suspicious charges ( over 50 ) made on my account to various websites. Totaling in the amount of nearly {$700.00}. Made a fraud claim with my bank around XX/XX/XXXX. Received refunds for the amount of {$400.00} in credits from the dates between XX/XX/XXXX through XX/XX/XXXX. Charges were deemed legitimate by my bank and credits were reversed between the dates of XX/XX/XXXX through XX/XX/XXXX. Inquired about reasoning why on two separate occasions. The first time I called around XX/XX/XXXX I was told charges were legitimate with little to no explanation other than the investigators determined them to be legitimate. Was told that there would be absolutely no more reversals on my account, asked to confirm that this was true and was reassured that the process was over. I was not told that I could contest the ruling by the bank. As of, XX/XX/XXXX started receiving more reversals on my account, almost 3 months later. Called the bank a second time and was told that the reversals occurred because there had been no more attempts to charge my account after my claim was placed with the bank. I had received a new debit card immediately after I noticed the suspicious charges as well as changing passwords to over 30 different accounts which I hoped would stop the charges. Seems that since the charges stopped I am responsible for previous charges?

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 2022-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
We disputed the exorbitant charge for damages or condition of XXXX car when turning in lease as per the agreement. They then charged off the remainder and gave us a bad credit report without discussing with my wife what they were doing. I was a bystander to this mess, even though I co signed and ensured all payments were made on time.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I have had a XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX  since XX/XX/XXXX in which it payed 1 % cash back or 3 % on a new XXXX XXXX. I had {$960.00} cash awardes earned I got a letter stating they had sold out to XXXX XXXX awards. On XX/XX/XXXX I called XXXX XXXX and asked them to send me my cash reward money. I was told a I had to have claimed my rewards before XX/XX/XXXX but I would not lose my reward money. They said I could charge it on my new Marcus card as a credit. I contacted Marcus about activating my new card and redeeming my {$960.00} I was told I no longer had a XXXX credit toward a new car and the {$960.00} was all I could use toward XXXXXXXX XXXX and could only use {$250.00}. per year. I am being held hostage by these two companys and want my {$960.00} sent to me. To my knowledge I was never notified that this would happen with my rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This does not belong to me and is fraudulent, the company XXXX XXXX XXXX XXXXXXXX for {$120.00}, I've tried to reach the company and I've been ignored. I have received no response in 60 days in regards to this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This account is protected by the Cares Act. Capital One refuses to follow the law by refusing to update the late payments associated with this account. According to the Cares Act Under new agreements with creditors once the account is brought current the late payments have to be updated to current which Capital One Auto finance has failed to do. Please update my credit reports and remove all late payments from XXXX, XXXX and XXXX associated with Capital One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.

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 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have a current complaint against XXXX XXXX with Cach LLC now they are sending me a letter about the debt collection with a new company trying to collect a debt that does not belong to me. I believe this is a fraud attempt and request an investigation and release of complete information. The new company being used is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: CA

Complaint narrative:
I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXX  XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( Equifax, XXXX and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cawley & Bergmann, LLP
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Cawley & Bergmann to settle a debt owed. They were supposed to charge me the XXXX to settle the debt but they charged me XXXX. I am extremely unhappy and the falsely represented himself and lied about the amount owed. And it has not been removed from my credit report. I have the settlement letter and proof of what they took out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XX/XX/2022 I, XXXX XXXX, consumer, received a debt collection letter, without my consent, from a Credit Control Services , Inc. dba Credit Collection Services. I do not know them nor owe whomever they're claiming I owe an alleged debt. The fact Credit Control Services , Inc. dba Credit Collection Services got my personal private information is a violation of my right to privacy according to 15 U.S. Code 1692k civil liability. This agency is now liable for damages against me, a consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management sued me for a credit card debt in XXXX XXXX XXXX Florida. I reached an agreement with the collection company to settle the debt for the amount of {$500.00}, which has been paid alreadyand on time according to the terms of the agreement, and according to the mentined agreement they were to remove the collection from my credit report or report it as paid. This has not happenned as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
I have a current complaint against XXXX XXXX with XXXX XXXX now they are sending me a letter about the debt collection with a new company trying to collect a debt that does not belong to me. I believe this is a fraud attempt and request an investigation and release of complete information. The new company being used is Credit Control LLC

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 2022-03-11 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: CARS Acquisition, LLC
State: AL

Complaint narrative:
I have had to make disputes twice already against car financial services for incorrect reports they have made to transunion. Which they finally corrected after telling me they could not remove the incorrect info. Then XX/XX/2022 they once again have reported false information to transunion stating that I am 30 days delinquent in the amount of XXXX $ I made that payment via automated system through my checking account on or about XX/XX/2022. As of XX/XX/XXXX car financial does not even hold the loan for the account. I have repeatedly had problems and discrepancies about monies owed to them.In one day their mishandling my information caused my credit score through transunion to drop XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: CarMax, Inc.
State: VA

Complaint narrative:
CarMax Auto Finance is in violation of FCRA inaccurate reporting. CarMax had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted CarMax a total of XXXX times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of XXXX late payments my credit score has been impacted each time because of this I went from a XXXX XXXX XXXX to a XXXX because of CarMax I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: DISCOVER BANK
State: IA

Complaint narrative:
I tried contacting Discover Card about two disputes. The individual refused to take my disputes seriously and instead put me on long-term hold with the intent of ignoring me. 

I have XX/XX/2022 dispute with XXXX for {$32.00}. I have never authorized XXXX monthly charge... ever. Their phone number does not work either. 

I have XX/XX/2022 dispute with Territory Ahead for {$100.00} because the merchandise was never received by me. I tried calling and using email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paradigm Assets, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to settle a debt owed. They were supposed to charge me the XXXX to settle the debt but they charged me XXXX. I am extremely unhappy and the falsely represented himself and lied about the amount owed. And it has not been removed from my credit report. I have the settlement letter and proof of what they took out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: CA

Complaint narrative:
I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXX XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( XXXX, XXXX and TransUnion ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank 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 non-monetary relief
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXXt XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( XXXX, Experian and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
I mailed XXXX payment on XX/XX/XXXX, due XX/XX/XXXX. I noticed all other checks mailed that day cleared my checking account except for mortgage payment. I called BSI Financial Services on XXXX at XXXX P.M. XXXX to find out if they had received payment and it was in processing yet. I was told payment had not been received and that I needed to make payment over phone to ensure it would not be late and have fees applied. That evening I did make a phone payment for the amount due of {$1000.00} plus {$500.00} principal. A couple of days later I checked to see if phone payment went through and noticed that the check that I wrote on XXXX cleared my bank on XXXX, the same day I called to see if they had received it and was told no. I do not believe it is possible to have received my check, process, submit for payment, and clear my bank on the same day after I called at XXXX P.M. XXXX. The phone payment cleared 2 days later and did not include the extra principal payment that I authorized over the phone, incorrect amount. It was clear from bank records that check cleared first. I believe I was INTENTIONALLY lied to in order to induce a second payment in an attempt to SLANDER my credit. I called BSI several times in an attempt to understand but not given any real answers. I asked to speak to a supervisor on several of these calls and was transferred to answering machine with messages never replied to. I am filing this complaint because these calls have been ignored and I feel there is no other recourse. BSI Financial does not seem to be a reputable mortgage servicer. 
P.S. BSI Financial recently purchased my loan from my previous servicer, about 3 months, and I am always on time with extra principal payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
TO : Consumer Financial Protection Bureau Please be advised that I wish to file a formal Complaint against XXXX XXXX, REMITLY AND XXXX because of their discriminatory practices, and blatantly disregards that violates the rights of others by denying me access to a public medium of their Money Transfer Services. Additionally, they have propagated and spread malicious rumors about me to other money dispensing services ( Remitly, and XXXX ) that theyre in alignment with them ; causing them to cancel my services too without any warning or allowing me any rebuttal. These Companies have capriciously and arbitrarily frozen the account that I had maintained with them for about 5 years without warning or regard to my needs or consideration. In my opinion, they did not have any clear reason of basics for the cancellation of my account ; but they have suspended my services without any notice or warning and have trampled on my rights as a citizen and human being. 

I have written to XXXX XXXX many times, but they refuse to answer my email messages. Also, they refuse to divulge the reason for their action. I have not conducted any illicit or unauthorized activities on their Portals/sites and therefore do not understand their swift actions. In addition, I tried to make a transaction for {$300.00} on XXXX XXXX and receive a message that the transaction was declined but later found out that the charge was processed by them, and they received the money from the Credit Card Company, ( their system is faulty and gives erroneous messages to customers ) and now theyre refusing to respond to my request for a refund of the money. I have found that these sites seem to operate in tandem ( in conjunction ) and accept negative information from each other without verification of any of it.

If any of these Companies have anything negative to propagate or report on me. I demand a hearing so that I can confront them and their malicious lies, and untruths.

I hereby recommend that these Companies be sanctioned or fined for their blatant disregard for their customers and the unfounded lies that they propagate against their customer base and the citizenry. Apparently, they pay people to patrol their sites, and those people fabricate lies when they can't discover anything wrong to keep their jobs? How else can they come to their conclusion ( s ) out of the blue?

I hereby demand that my account ( s ) be reinstated without delay, and my refund from XXXX be returned back to me immediately because of their unethical and unfounded reasons for cancellation and termination of my services. They have been granted a license to operate and serve the public, and I hereby demand the services that I am entitled to as a citizen of these United States of America. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation