vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 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: CMG Financial Services, Inc.
State: HI

Complaint narrative:
XX/XX/XXXX Sent message through account saying that my loan was not reported to credit bureaus and wondering why. 

XX/XX/XXXX Tried virtual chat ( as directed ) three times. Unsuccessful. In my last chat I requested a call by a customer service manager. I wanted to talk about the chat people who disconnected on me twice. 

XX/XX/XXXX Sent message through account and attached a copy of my XXXX  credit report. I stated that the credit request was there ( twice ) but that there was no mortgage. Can CMG add it on for me and my husband? 

XX/XX/XXXX I was called from XXXX from CMG Customer Service @ XXXX XXXX ( XXXX XXXX XXXX. I told him about the chat people who hung up on me and I told him why I was calling. He said he would put an inquiry in [ nothing happened here, no call back or anything ]. 

XX/XX/XXXX I sent a message following up on the XX/XX/XXXX inquiry. 

XX/XX/XXXX I received a reply to the message that a letter was sent on XX/XX/XXXX ( I did not get it yet ) and that I got a copy sent by email. 

XX/XX/XXXX I replied that I did not get the letter or the email, to send the email again. 

XX/XX/XXXX Text of letter sent to me by message. In it they said this : As a servicer, we are bound by contract with investors to report to the credit reporting agencies. The Fair Credit Reporting Act ( FCRA ) requires that if we report, it must be accurate. We note that your correspondence does not specify which payments were inaccurately reported, nor does it supply supporting documentation that shows funds were received in a timely manner. We are, therefore, unable to accommodate your request without proof that refutes our previous reporting. 

XX/XX/XXXX I replied and said I sent you my credit report on XX/XX/XXXX ( since the letter says I did not supply documentation ). I asked why CMG wasn't reporting my mortgage. 

XX/XX/XXXX CMG replies " Our records indicate the credit has been reported each month as current. '' XX/XX/XXXX I checked the credit report again. It is not updated with the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My EDD card number was used to withdraw funds from ATM but the card is back in my possession and I would like for my charges to be disputed and my funds of XXXX to be refunded

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 2021-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disputed a debt appearing on my TransUnion report in the amount of {$1200.00}. As of today, no action has been taken. The dispute process has not been completed, and it was initiated on XX/XX/2021 with the estimated completion date as XX/XX/2021. I have now waited almost a week extra beyond the anticipated completion date with no results. This is making it where I can not file additional disputes regarding other inaccurate information reported for which I have gathered appropriate documentation to dispute.

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 2021-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive never been late for my best buy credit card citi bank, I just got out of a relationship and I was in the transition of getting a new job, and im struggling I just recently graduated and taking care of my kid on my own. I will pay all the balances on my card in full. I need to make sure the one time late payment will not affect my credit score. I will pay this card in full, I paid this card on time every month this is the first time Im really late. Please remove it off my credit report. This will be paid in full.

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 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Accounts, Inc.
State: NY

Complaint narrative:
Several months ago I saw 2 accounts that this company had on my credit report. So I called them up to ask them to please send me letters verifying the debts. They proceeded to tell me that they can not send me anything because I am not in North Dakota and they aren't allowed to send anything to New York, where I had recently moved. I told them that per the FDCPA they are required to send me verification of the debt, I asked for proof that the debt is mine by sending me something with my signature on it and something breaking down the amounts owed. The woman told me that I am not a debt collector and that she knows better the laws better than me. She then hung up on me. I called her back and reminded her that per the FDCPA she is required to send me verification of my debt. Again she refused and hung up on me. I let it go because I wasn't sure what else to do but it recently has been brought to my attention that I can report them for fraud.

They also repeatedly report these debts I allegedly owe them month after month. I have never seen a collection agency do that. They report the debt every month as if it were a whole new debt and i have noticed the amount goes up a little bit every so often.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: DC

Complaint narrative:
I filed for this problem against XXXX  but now I see that its on equifax and XXXX. On XX/XX/XXXX during a doctors visit for my eyes was declared XXXX  XXXX. I was told by the eye doctor I could XXXX XXXX anymore. Having a car still under finance by XXXX XXXX credit. What am I supposed to do. I reached out and contacted XXXX XXXX credit and informed them I was not allowed XXXX XXXX anymore. XXXX motor credit advised me I could do a self surrender of my car to XXXX XXXX credit. And they would take the car to auction and sell it. If the car sold for more than my loan. XXXX XXXX XXXX would pay the loan off and give me the difference. If the car sold for less thanwhat was owed on the loan I would have to pay the difference. I washed waxed and clean my car and set it back to factory specs. Also to make sure my car was safe and not ticketed or towed by the city government I had my car taken to my cousins house where it could sit in the driveway for the tow truck driver to pick it up. I called XXXX motor credit gave them my cousins address and my cousins husband had the keys for the tow truck driver. I called XXXX credit several times to make sure they got the car. The car was picked by by XXXX and sold at auction. The loan was paid off and the difference sent to me. So I would like to know where XXXX, Equifax, and XXXX  get off liking and calling the car a repossession. How is a car repossessed when I called XXXX XXXX XXXX and agreed to surrender it so it could be sold to pay it off. I XXXX XXXX anymore because Im XXXX  XXXX. I called XXXX motor credit XX/XX/XXXX to confirm it was a surrender. XXXX credit said yes it was a self surrender and if it was called a repossession the credit beurea did it not them. XXXX motor credit is sending me the paperwork they have saying self surrender. So the credit agency made this up. At no time was the car set for repossession. But the credit agencies decided to damage my credit for 4 years by making this assessment on their own. They were not on the phone with me nor XXXX motor credit. And frankly its discrimination against a XXXX person. I dont have the means to even pass the eye test XXXX XXXX. But the credit agency wants to list my car as a repossession. From here Im reaching out to the national foundation for the XXXX XXXX department. Because this is discrimination. Its my fault because Im physically not able XXXX XXXX anymore. So if get XXXX  thats my fault too?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX attempted to collect a debt that I allegedly owe. In doing that, XXXX XXXX violated several of my federal rights as a consumer. They have diminished my character and affected my ability to obtain credit as well as violating my privacy pursuant to 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), and 15 USC 1681a ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I was told that I was approved for a certain amount but that I would need to put down a large down payment so I gave them a {$3000.00} down payment and the finance guy said I would need to buy a {$3500.00} warranty so that the bank would be more comfortable financing me because they know their asset is protected and just in case my car needs repairs it would be covered. But I just read 15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Do to my family being financially/ medically negatively impacted do to Covid-19 We requested a forbearance on XX/XX/XXXX. We were told are forbearance would end XX/XX/XXXX. We have called and ask if we can extend our forbearance out since our loan is XXXX  XXXX. We are told XXXX XXXX never noticed our Mortgage company that we are eligible for an additional two 90 day extensions totaling 18 month forbearance. 
Our mortgage company is telling us that's not true and is not extending our forbearance. 
We have emailed our point of contact and no one has returned our emails. We have called and we have been told to call back XX/XX/XXXX. We are afraid to wait to have our forbearance extended to close to the end date. We requested our current behind payments be deferred when our forbearance ihas ended regardless when it ends. We were told a deferment was not an option on our account. We needed to pay whats past do in full, apply for a repayment program were our only options! 
We are asking for our account to be evaluated for any additional qualified forbearance terms and asking that our behind payments be deferred. 

Thank you XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 {$3500.00} transferred using XXXX. 

I received the fraud text and a call from Bank of America. 
I noticed {$1.00} that was taken out without my consent. 
They also told me that there were {$3500.00} worth of transactions took place, but it won't show on the statement due to the activity taken place at different city with different time zone. 

In order to reverse the matter, they told me to transfer the money through using XXXX to my name with my phone number. 

After taking the action, I called the bank. I found out the whole thing was a fraud. 
I filed the claim right away.

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 2021-07-24 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: DE

Complaint narrative:
I have disputed the below listed items several times to no avail. On XX/XX/2021 I called XXXX  to get clarification on how theyve continually validated these debts when the creditors wont even respond to the letters I sent them as a consumer. I asked XXXX  representative XXXX if the below listed companies provided XXXX  with proof that the accounts belonged to me to which he responded no. I then asked if they have not provided proof that the accounts belonged to me why they weren't deleted to which he responded that it was my responsibility to follow up with the companies to get validation which is not correct. I hung up & called back & I was transferred to XXXX  who works in the fraud department & I asked her the same question, how do these debts keep coming back verified & validated if the companies wont respond to my certified letters to which she stated that XXXX  submitted a dispute and the companies simply sent back a letter stating to leave the accounts on my report so XXXX  continued to report this negative information which is severely damaging to my reputation. I asked again, So these companies haven't supplied you with a contract with my signature or any documentation proving that I signed up for these accounts? To which XXXX  responded No and when I asked that they provide me with the documentation XXXX  received to verify these accounts, I was told that XXXX  does not provide this information even though the FCRA is very clear on debt validation. This is clear and blatant evidence of willful non-compliance on XXXX part! These accounts should immediately be removed from my credit report without any further investigation because XXXX  has made it abundantly clear that they do not investigate these accounts. If thats the case anyone can report anything on anyones credit report. This is an egregious violation of my rights as a federally protected consumer. I have disputed these accounts several times with CFPB & XXXX, its time to do the right thing its clear that XXXX  has no intentions on doing so. If this is not cleared up immediately I will be seeking remedy under 15 USC 1692K. 


The following accounts need to be deleted from my consumer reports immediately : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX/XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: NJ

Complaint narrative:
I received an alleged Delinquent Parking Violations Debt Notice from ARS National Services Inc. XXXX XXXX XXXX XXXX XXXX CA XXXX. Phone : XXXX. The alleged pertinent information is as follows : Claim of : XXXX Dept of Finance. Case # : XXXX ARS Reference No:XXXX Total Amount Due : {$230.00} as of XX/XX/2021. Letter date : XX/XX/2021 It states to reply within 30 days to dispute. I received the letter on XX/XX/2021. Obviously this is a bad business practice and needs further regulation and oversight. Permission to publish this is granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: DC

Complaint narrative:
I filed for this problem against XXXX  but now I see that its on XXXX  and Experian. On XX/XX/XXXX during a doctors visit for my eyes was declared legally XXXX. I was told by the eye doctor I could not drive anymore. Having a car still under finance by XXXX XXXX XXXX. What am I supposed to do. I reached out and contacted XXXX XXXX XXXX  and informed them I was not allowed to drive anymore. XXXXXXXX XXXX XXXX advised me I could do a self surrender of my car to XXXX XXXX XXXX. And they would take the car to auction and sell it. If the car sold for more than my loan. XXXX XXXX XXXX would pay the loan off and give me the difference. If the car sold for less thanwhat was owed on the loan I would have to pay the difference. I washed waxed and clean my car and set it back to factory specs. Also to make sure my car was safe and not ticketed or towed by the city government I had my car taken to my cousins house where it could sit in the driveway for the tow truck driver to pick it up. I called XXXXXXXX XXXX XXXX gave them my cousins address and my cousins husband had the keys for the tow truck driver. I called XXXX XXXX several times to make sure they got the car. The car was picked by by XXXX and sold at auction. The loan was paid off and the difference sent to me. So I would like to know where XXXX, XXXX, and Experian get off liking and calling the car a repossession. How is a car repossessed when I called XXXX XXXX XXXX and agreed to surrender it so it could be sold to pay it off. I cant drive anymore because Im legally XXXX. I called XXXX XXXX XXXX XX/XX/XXXX to confirm it was a surrender. XXXX XXXX  said yes it was a self surrender and if it was called a repossession the credit beurea did it not them. XXXX XXXX XXXX is sending me the paperwork they have saying self surrender. So the credit agency made this up. At no time was the car set for repossession. But the credit agencies decided to damage my credit for 4 years by making this assessment on their own. They were not on the phone with me nor XXXX XXXX XXXX. And frankly its discrimination against a XXXX person. I dont have the means to even pass the eye test to drive. But the credit agency wants to list my car as a repossession. From here Im reaching out to the national foundation for the XXXX XXXX department. Because this is discrimination. Its my fault because Im physically not able to drive anymore. So if get XXXX  thats my fault too?

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 2021-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I tried to deposit a check into my BBVA checking account. BBVA automatically stated the check was fraud and closed my checking account. I banked with them for years, I called them and told them to call the company to verify the check was legitimate and they would not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: MI

Complaint narrative:
XXXX  XXXX is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.

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 2021-07-24 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: MI

Complaint narrative:
Capital One is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Chrysler XXXX is reporting my Vehicle loan as charged off and closed on my credit report and late payments when my vehicle loan is still current and active. I pay monthly on this vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 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: FL

Complaint narrative:
I am a victim of identity theft

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