vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2022 around XXXX I went to a bank of America ATM located XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I deposited {$250.00} to pay my bills with. The machine/ATM said it could not take some of my bills and spit out. 1 {$5.00} bill and 1 {$1.00} bill. The ATM still has my cash, an error occurred screen stayed on " plz take cash '' wouldn't give me my card our change screen. I called the bank within minutes. As I'm on hold 2 XXXX American women that were waiting on me to get out said the same thing happened to them when I told them what was going on then after waiting at the ATM for 5 minutes it spit out my card I put my card back in to check the balance as two women said the ATM didn't credit them. Also an XXXX guy came to the ATM I told him what was happening with the ATM, he also stated this problem has happened to him as well. The bank is saying it can take up to 15 days to get my hard earned money. My bills will be paid late, and I will be charged interest. The bank refuses to have a technician go to the ATM to check it out after spending an hr and 15 minutes getting switched and put on hold. This ATM has exactly 4 {$50.00} bills, 2 {$20.00} bills, 2 {$5.00} bills and 3 {$3.00} bills Equaling {$250.00} needed to pay my bills. Total deposited {$250.00} - {$6.00} returned Equalling {$250.00}.

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 2022-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I co-signed on a car loan in that was opened XX/XX/XXXX. In XXXX of XXXX payments fell behind and the car was voluntarily surrendered to the recovery service until payments could be made. Ally Financial promised the vehicle would remain in the recovery yard located in XXXX OK. However, the vehicle was relocated to XXXX XXXX and in transit was damaged. 

I was informed by the XXXX XXXXXXXX Auction facility the vehicle was scheduled for auction and a hold was not placed on the vehicle. I was forced to obtain the receipt of payment, acquire a satisfaction letter from Ally Financial, and provide the proof in person to the auction service in order the remove the vehicle from the auction sale bill. 

I was forced to lose an entire day of work in order the rescue my property from illegal auction. I have contacted Ally hundreds of times to satisfy the claim or remove their claim from the credit reporting agencies to no longer slander my credit score. This is a malicious act on behalf of a massive lender who has failed to comply with a previous debt validation letter. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Thank you for looking into this matter. I wish you actually enforced something.

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 2022-02-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN

Complaint narrative:
An authorization was approved for a treatment plan with XXXX XXXX from Workers Compensation in XX/XX/2018. XXXX XXXX failed to file in a timely manner for billing. A notice of decision was sent to XXXX XXXX with an opportunity to object to the decision that the carrier and claimant were not responsible for payment due to untimely filing of billing. XXXX XXXX did not object to the decision. Decision clearly states in favor of the carrier and claimant is NOT responsible for payment. XXXX XXXX knowingly sold off the unowed debt to Credit Bureau Systems Inc. I have since then receives several letters and phone calls in an attempt to collect this undue debt. I have provided a copy of the notice of decision that I am not responsible for the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: WI

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of FCRA-creditors are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious customer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA. Despite my previous written request, the unverified item listed below still remain on my credit report in violation with Federal Law. You have failed to send me copies of the SIGNED APPLICATION with MY SIGNATURE proving that the account in question belongs to me, yet you are still reporting the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft and had an unlawful inquiry reported on my credit. Experian, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. I have already filed an Identity Theft report with the Federal Trade Commission and have attached a copy of it with the letter I sent. Remove and delete this inquiry 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 non-monetary relief
Consumer complaint received 2022-02-11 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I called Macy 's to ask about purchasing a {$3200.00} bed. They had an offer to sign up for a Macy 's American Express credit card and receive 20 % off purchases made with the card. I asked a Macy 's employee if I would get 20 % of the purchase price of the bed if I purchased it same day and they verbally confirmed I did. No mention was made of a {$100.00} limit. 

Also on XX/XX/XXXX I went to purchase the bed over the phone with Macy 's and found out the amount I'd been approved for was only {$2600.00}. Macy 's called the credit card department and helped me raise the credit limit. While I was on the phone with the agent, I asked if I would get the 20 % discount and they confirmed I would. No mention was made of a {$100.00} limit. 

I would not have signed up for a credit card for a {$100.00} credit. 

On XX/XX/XXXX I looked and saw the charge hadn't appeared on my credit card. I called the credit card again and asked if I would still get the discount since the charge wouldn't appear until later. They again assured me I would get 20 % and did not mention the {$100.00} limit. 

On XX/XX/XXXX the bed was delivered and I was charged the full {$3200.00} but only got a {$100.00} credit, far less than 20 %. 

On XXXX, XX/XX/XXXX, and XX/XX/XXXX I called to resolve it and they said they couldn't find any record of my conversations with agents and declined to credit me the 20 %.

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 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I'm a XXXX struggling student that is living on Social Security SSI income that recently lost my job due to the Covid Pandemic. Im struggling to pay for rent and food and other necessities and I will like if you can please have the courtesy of cease and desist on all my debt due to me being XXXX living on Social Security SSI fixed income which is a violation and against the law tu sue a XXXX person living on a fixed Social Security income. I will like for you to please have the courtesy of stopping and canceling the lawsuit on XX/XX/XXXX and email me a confirmation from you and your lawyer saying you cancelled and stopped the lawsuit through this cfpb message or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: ME

Complaint narrative:
Issue XXXX. XXXX XXXX mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for XXXX months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. 

Issue XXXX. I paid the requested mortgage sum amount as personally directed by XXXX XXXX upon completing XXXX months of forbearance and it sat in the XXXX XXXX  account, labeled by XXXX XXXX as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. 

XXXX XXXX has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / XXXX XXXX credit report. When I called XXXX XXXX on XX/XX/XXXX about these XXXX credit report mistakes, they told me to write to the credit report agencies. 

Please accept this as my written request for an investigation and correction of the XXXX error reports on our mortgage account credit history. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
EXPERIAN 's Incorrectly reporting my fully paid XXXX XXXX XXXX account with zero balance as in collections ; In XXXX and XX/XX/2021, Experian failed to conduct the required fair investigation and re-investigation of my valid disputes ( with Exhibits ) and delete XXXX XXXX XXXX ongoing Opened XX/XX/2021 false and bogus {$340.00} XXXX XXXX XXXX collection from my exceptional credit history and files/reports ( FISCO Scores above XXXX to low XXXX ). 

Also as of this date, Experian and XXXX XXXX XXXX refused to provide me notice and/or proof of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$340.00} alleged debt. See Attachments.

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 2022-02-11 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: NJ

Complaint narrative:
I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. Please remove and delete this inquiry from my credit report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I was on forbearance from loosing my job due to Covid and XXXX of 2020 I applied for a loan modification which still today has not been completed or finished, I have made all my payments for the past 5 months after being out of extended forbearance due to them taking for ever to process and do a loan modification, for 6 months I have asked for transaction history report which they do not supply, I have wanted to refinance my loan for the past year and a half for a lower interest rate but low VA rates cant see 6 consecutive payments to do a refinance because XXXX is saying its in forbearance when its not and they also wont supply me with a transaction history report for my payments made all while I am loosing money from not getting a lower interest rate. I also had an opportunity for a grant from state of Michigan to pay for delinquent mortgage but cant use that because XXXX refuses to participate in the program. 3 times a month for past two years I have called and emailed for status update and nothing has happened, for the past year they have escalated my case but still no modification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent a letter to Portfolio Recovery Associates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, asking for the original contract between myself and the original creditor, where I agreed to the assignment of the debt ; with my ink signature. 

Portfolio Recovery has failed to provide me with the requested documents. 

However, it has been brought to my attention by my neighbor that Portfolio Recovery have tried to serve me papers with a processor to take me to court for alleged debt. Portfolio Recovery are using horrible/illegal tactics by disclosing to my neighbor of this alleged debt and I have video of this same processor opening my mailbox and going through my mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XX/XX/2022 Auto pay through their mobile app I replaced the auto-pay feature w/new checking account info and it appeared no problem, went through. As an end-user I received nothing as so much an error notice or that I needed to contact them. Now 2 days later I am getting notices and late fees indicating my account is past due. Had to login again and do a manual payment, even when I login the app my payment info looks good w/the new account info. If they were unable to process my payment or I missed a cut-off time then it should have loaded in the mobile app as such so reasonable measures could have been taken. I would have called them on the spot had I been notified the new account draft info will not be processed. 

XX/XX/2022 speaking w/an agent trying to resolve ; seemed ok until I was put on hold for awhile only to be suddenly disconnected. Nobody has called me back. Now I have a {$29.00} check fee and credit report damage control to undertake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: OH

Complaint narrative:
My mortgage company allowed me to go into the covid forbearance program. In XXXX of XXXX I reached out to advise I wanted to come of the forbearance and start making my reg payments! When I entered into this program I asked detailed questions about the process and was advised that it was very simple, no paperwork or anything would be needed! Well when I called in XXXX of XXXX, I was advised I'd get a call back with others! 
Come XXXX of XXXX, I still had not heard anything so I called and they advised I had a pay my due and paper work was fed ex to me! I advised I never got it and if they had a tracking number. I was then advised I'd get a call back! 
I got a call back and she had advised me the paper work never went out, and that she would work with them to reprocess everything! 
In XXXX of XXXX, I got a letter from my homeowners ( nationwide insurance ) that my home owners insurance had not been paid! I also, got a letter from my mortgage company advising me that I they were going to force new insurance because my policy had not been paid! I call them and the escrow XXXX comes back and says they will take care of it! 

Meanwhile the modification XXXX reaches out and says, that the original plan won't work because I had prev modification ( when my mother was XXXX XXXX and they needed a lot of paperwork, and wanted to process a full review, and that they had known this 4 months and just didn't call me or tell me! I finally get all request for paperwork for in XXXX! Meanwhile my home owners insurance pay my went out from my mortgage company but after the lapse date! I get a letter from them saying my insurance policy lapsed and now my mortgage company is saying they will do forced insurance! I'm so stressed with this process, they are not telling me stuff in a timely matter and if my home was to catch fire I'd have no coverage and if they make me get forced insurance then it could be less coverage and very expensive! I can't get anyone on the phone and they just seemed not want to help or take my calls! I feel like they are trying to make things hard on me! 
My mortgage company is Movement mortgage I took out the loan in XX/XX/XXXX My loan numbers is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX And this is my primary residence for myself and my XXXX children! I'm afraid they are trying to take my home or something

Company response to consumer: Closed with explanation