vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: MA

Complaint narrative:
XXXX trying to collect XXXX excise tax on car i did not have in XXXX returned in XXXX they had to apply for an abatement only the owner can mass law well they finally did in XXXX after messing up my credit knowing they were applying for an abatement which they got PAID So p ; lease read my letter explaining the problem with them commiting FRAUD and reportig false info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I recently paid my entire balance off with Comenity Bank XXXX after I started the hardship plan due to losing my job during the pandemic and the bank is STILL holding my funds after I asked a CSR Would my funds be available and will I be able to utilize my card? They said yes and that was a farce! I made the payment on XX/XX/2021 and called and spoke with a representative on XX/XX/2021 and thats when I was told that the funds would be released after the payment had posted. I checked my financial institution balance and it showed the deduction had taken place for Comenity Bank and the payment had posted on Comenity Banks end as well. A call was made on XX/XX/2021 about the reasoning behind my funds not being released and the CSR at Comenity told me that The payment was made after the closing date so Ill have to wait a month I then informed them that I spoke with a representative who relayed to me that once the balance was satisfied I would have access to my funds. The representative I spoke with on XX/XX/2021 stated that the information provided to me prior was incorrect. Im now being penalized for something I had no knowledge of and when I asked if this could or would happen I was told No it wouldnt. This is very unacceptable especially when youve come out of a financial downfall and youre trying to satisfy all your debts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been scammed and I contacted the citibank to get my money back. However they said it was proven that I willingly gave the money. I understand that I willingly gave the money but I was scammed so I wish to put the stop on these fraudulent 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 explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc.
State: NJ

Complaint narrative:
This complaint is for XXXX XXXX Bank and their collections services ARS National Services Inc. The account I had with XXXX was for a credit card that needed to be paid. The account was then passed to ARS National Services for collection. I called ARS National Services on XX/XX/XXXX and identified the debt with XXXX XXXX Bank with account representative XXXX XXXX XXXX. On the same day, the debt was settled for {$2700.00} and paid through a check from my XXXX XXXX  account deposited on XX/XX/XXXX. I received a letter sent from XXXX XXXX on XX/XX/XXXX stating that ARS accepted the settlement for the referenced account. It was stated on the phone that the settled debt would be reported to XXXX XXXX XXXX, then updated and removed from my credit report. However, I received mail notification sent XX/XX/XXXX that XXXX XXXX and ARS National Services are now trying to collect a new and different debt in the amount of {$1800.00}, which was reflected on my credit report. I am not acknowledging that I owe this amount, nor do I validate this amount as it conflicts with my notification of debt settlement received by ARS, and what was discussed verbally on the phone. Supporting documents are in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Finance of America Holdings LLC
State: NY

Complaint narrative:
I am XXXX of the XXXX XXXX XXXX and Im starting to feel as if this company is trying to avoid me. I contacted this institution simply for a waiver for the attorney to speak with you in regards to paying the mortgage in full now. Yet I get no response and here I am over a week later waiting? I am asking again for the waiver. My father served over thirty years in the XXXX. Nobody deserves this kind of unprofessional treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: MS

Complaint narrative:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hello, I sent the the check for paying off the lease on XX/XX/2021, more than 4 months have passed I still do not have my title on the car. I called the Hyundai Motor Finance company several times, every time I called them, they gave me misinformation. Whenever I asked for the last name, direct phone number or extension number or email address of the person, they did not provide those information. On XX/XX/2021 I spoke to their representative in their title department, I was told that the title was released to my mailing address on XX/XX/2021, I told her I did not received the title, I asked her if you can please mail it to me through a certified mail, I offered I will pay for the postage cost, she said she can not do that. She suggested for me to send sent a written request along with a DMV fee for a duplicate title to their address. On XX/XX/2021, I sent what she requested through USPS next day delivery. On XX/XX/2021, I spoke to their supervisor, he said they still has not received the mail that I sent on XX/XX/2021. 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 explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
The company Dynamic Recovery Solutions added a {$330.00} debt to my credit report on XX/XX/2021 from XXXX i don't have any back up to where this came from, how they got my social and my information. never gotten phone calls or bills for this. i contacted the medical provider ( XXXX XXXX XXXX XXXX ) that " supposedly '' had sent this debt to collections and they told me i didn't owe them or that they didn't send anything to collection because my account was at XXXX and also that they do not deal with this collection agency. i tried to contact the collection agency at XXXX, their address XXXX XXXX XXXX XXXX  XXXX, sc XXXX i left a review on their company as well, they are very rude unprofessional and i was hung on up multiple times. i would also like to know how they got my social security because i never got phone calls, letter or anything regarding this company or bill. my next step is to go to the police department and file a police report because to me these people stole my information and are trying to pin a bill on me that DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
My XXXX payment, XXXX payment were not posted until XXXX even though they were mailed on time. Due to snow storm in Texas. My XXXX, XXXX, XXXX payments all went to interest nothing to principal Making my credit look like I missed payments. I have been trying to deal with Santander Consumer USA since XXXX to straighten this matter out. I have gotten the same run around. XXXX  XXXX referred me to you. I am also complaining about the 25 % interest rate. 36 states are suing them for their illegal practices. I want my account set straight. I've already paid them what I borrowed for this loan. I borrowed {$11000.00} and they want me to pay them {$32000.00}. That's outrageous and then they want to pull this kind of stuff. You can't take advantage of people because it snows and you don't work. My payments were consistently paid from the beginning of my loan the same time with no changes until the mess up of missing payments during the snow storm. You can see that from my attached spreadsheet with every money order number date and statement date and date they posted it from the beginning of my loan. You will see where they have taken payments that have been made and days later reversed the payments and made them again. I'm also attaching a letter explaining their letter and a copy of the first page of their letter. So you can see the confusing and messed up stuff they try to use to explain what they've done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: MA

Complaint narrative:
XXXX trying to collect XXXX excise tax on car i did not have in XXXX returned in XXXX they had to apply for an abatement only the owner can mass law well they finally did in XXXX after messing up my credit knowing they were applying for an abatement which they got PAID So p ; lease read my letter explaining the problem with them commiting FRAUD and reportig false info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XXXX, I have sent several requests to Equifax to correct my date of birth on my credit report. In XX/XX/XXXX, I sent them a copy of my birth certificate to correct my date of birth on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: PA

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit 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 2021-10-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase Business XXXX XXXX  card. On XX/XX/XXXX, two charges from XXXX showed up on my credit card in the amounts of {$250.00}. The two charges were for identical amounts and on the same date. I had not booked any flights with XXXX so I called Chase to dispute the charges. I also informed XXXX that I did not book any flights. XXXX did not issue a refund. Chase, however, reversed the charges on my XXXX statement and I received credits for those amounts and I thought I no longer would have to be liable for these charges, since I did not book these flights. Unfortunately, on my XXXX statement, they added the charges back to my credit card. I called again on XX/XX/XXXX to dispute the charges and ask why the charges were put back on my credit card. The agent on the phone asked me to send a screenshot of the flights I took with XXXX. I told her that the last flight I took or booked on XXXX was from XX/XX/XXXX. I sent a screenshot of this and sent it as proof to XXXX on XX/XX/XXXX at XXXX XXXX  XXXX. On XX/XX/XXXX, Chase sent me a letter stating that they still will not reverse these charges, despite the fact that I provided proof that I did not take any flights with XXXX after XX/XX/XXXX, which is when the charges appeared on my Chase card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  ( Original Creditor : XXXX ) XXXXBalance {$1200.00} XXXX  XXXX XXXX  XXXXBalance {$6500.00} XXXX  XXXX XXXX  XXXXBalance {$540.00} XXXXBalance {$0.00} XXXX XXXXBalance {$540.00} XXXX  XXXXBalance {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a letters in the mail from the banks RBFCU and XXXX XXXX. I received both of them XX/XX/XXXX. RBFCU is a bank that I have never used and it was telling me that I opened an account under my name and even sent me a card. And when I tried to go and close it because I needed a police report. And when I got the report from the police they just told me that they will send it to the fraud but I have yet to hear from them. On the other hand, XXXX XXXX also sent me a letter as well but that letter said that someone tried opening an account but were unsuccessful due to not enough information. And I believe the reason for all of this is because they broke in to our neighborhood mailboxes and stole mine and other peoples mails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I am filing this complaint because Augusta Collection Agency Incorporated yelled at me and argued with me over a debt they claim I owe. At about XXXX XXXX on XX/XX/2025, I called back XXXX which is the Augusta Collection agency and the agent argued with me over how XXXX XXXX is not responsible for taking or relaying insurance information to their billing department. I told the agent that she was not allowed to argue or yell at me and she insisted that she had every right to argue with me and attempted to deny yelling at me before she hung up on me. I have already filed a complaint against this company over this same company that keeps insisting that the bill is legitimate and even though XXXX is contracted with the county to respond to medical emergenices, they insist they do not have to obtain insurance information or relay insurance information to their billing department. They do not warn patients that patients have to submit their insurance information to their billing department themselves and they will not stop calling me or arguing with me about the and they lied and said that they had been waiting for me to call them with my son 's insurance information, I sent the insurance information to them in an email and they never responded and apparently never even bothered to charge my son 's XXXX information. They also continue to insist that they are not obligated to follow divorce decrees and indirectly threatened me by saying that by not paying this bill even though they know I dispute the bill that they will continue to report on my credit and that it could cause harm to my credit. Furthermore, the agency had already said that they would stop calling because they were not just calling me over XXXX but that they would stop calling for a XXXX XXXX or XXXX XXXX who they said my have had my previous number and seems to have violated her privacy as well. They did not stop calling and asked for both me and XXXX XXXX even though I do not know that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I have reached out to all of these company 's and they will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
There is a collections account # XXXX in the amount of {$570.00} from XXXX XXXX XXXX on my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have been trying to get my mortgage out of forbearance since XX/XX/2021. I have been ignored and given the run around by Freedom Mortgage, with no solution in sight. 

I recently received XXXX XXXX XXXX XXXX XXXX  service connected XXXX from the VA, and have asked Freedom Mortgage to update this to reflect in my currently monthly obligation. 

I feel completely helpless, and that Freedom Mortgage does not have any interest in helping me get back on track. I have countless emails as proof of my attempts to ask for help, and they have largely gone unresponded to. 

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 explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
The check was written out to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX for XXXX loan payment and was mailed on XX/XX/XXXX. Later on XX/XX/XXXX we got call from XXXX XXXX XXXX  about check not being received. Upon checking our account it showed that the check was cashed and deposit on XXXX XXXX we contacted our bank XXXX and they filed a forgery and fraudulent complaint. They were able to locate the bank that the fund got deposited into and contacted the bank. 

As of today XX/XX/2021, we haven't received anything from TD bank so we would like to file a complaint against TD bank for accepting the check not payable to them and allowing their customer to deposit into their account without further inquiry.

Company response to consumer: Closed with non-monetary relief