vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I reached out to my mortgage company regarding this concern. I previously had other concerns with them regarding my loan modification. After making a complaint through your agency, they were forthcoming and followed the process to addressing my concern. They worked with them in obtaining the documentation. They approved my loan modification. It was approved on XX/XX/XXXX. My first payment was XX/XX/XXXX. I have paid my monthly payment which includes ( principal, interest and escrow fees ) each month. 

A recent concern in which I attempted to address and have resolved, have not been resolved or addressed. The concern is related to an overdue payment that was {$5800.00} that increased to {$22.00}, 680. I noticed this while making my XX/XX/XXXX payment. I called to get an explanation but they were not forthcoming. Additionally, on my account there were many on XX/XX/XXXX mortgage payment reversal or unapplied activity to the account. With the activity, it showed that the payments for the months of XXXX, XXXX, XXXX, XXXX ( two payments posted ) and XXXX reflected as XXXX, XXXX, XXXX, XXXX, XXXX and 152 days late. I asked if this reversal will show on my credit report as those many days late when it was the action of CMG and not mine, applying the payment incorrectly. The represented stated, all payment are in real-time and the payments will show late on my credit report. She said that they can not make promises even stating it was a mistake on their behalf. She further read the consumer credit script. She asked if this was a concern for me. She threatened me and asked if it was a concern for me and stated she would not resolve the concern for me and it was my issue. 

XXXX XXXX, employee id number XXXX. Her supervisor is XXXX XXXX. 

I was on hold for over 45 minutes. 

When she returned to the call and stated that I was due {$61.00} as an overpayment for escrow fees. I further asked why did my overdue payment increase. She gave no explanation for the overdue payment that is reflected on my monthly statement.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my 5th attempt to get this matter handled. Experian is failing to update my credit report & is in violations of FCRA Sections 611, 616 & 617. I disputed a late payment with XXXX XXXX XXXX XXXX which the furnisher responded to me claiming they were correcting the issue. Experian has failed to update their records & has claimed it was verified. I submitted a letter which XXXX XXXX sent to me claiming they were correcting their records EXPERIAN is not updating this account & it's impacting my ability to get a loan. It is also creating a ton of emotional & physical stress because of all their antics to NOT comply with FCRA laws. I need to account update to closed/never late.

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: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I purchased my vehicle at the end of my lease. Instead of making the last payment, I called Toyota Financial and requested the buyout package. At that time, the last payment was included in the payoff amount provided by Toyota Financial and late fees were waived. My payoff was processed by Toyota Financial, yet they still submitted my final months late payment to the credit bureaus. I called Toyota and they explanation was insufficient and inaccurate. The amount they had me as late was 2 months, as they said I was late even after having received the full payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased mattresses from XXXX XXXX  using Synchrony issued store card. The promotional period was 24 months. Now, its only been 12 months and they added almost {$400.00} in interest. When I signed up, I was under the notion that it was 24 month promotional no interest. Instead, they charged interest after just 12 months stating the promotional period ended on XX/XX/22.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Americredit improperly & unknowingly ran credit on XX/XX/22

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 — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I applied for and was approved for a hardship program with CHASE Mortgage. The program included a 3-month trial period schedule for XXXX through XXXX of XXXX, all payments were paid timely in accordance with the modification contract satisfactorily. Recently, after requesting a copy of my consumer credit report, Chase has attached special comments, " Loan modified under a federal government plan. '' XXXX XXXX XXXX ] XXXX XXXX XX/XX/XXXX ]. I called Chase Mortgage Modification division on XX/XX/XXXX and spoke to XXXX in the research department, she confirmed the comments are valid and has no date stamp and will continue to report until the loan the same : unless : 1. current loan paid in full 2XXXX balloon payment in full The problem is I completed the trial period and all payments sucessfully by XX/XX/XXXX as contained in the agreement and seven years later it remains a permanent part of my consumer report. These comments are hurting my ability to obtain credit and requires removal. Recently, two disputes has been filed with XXXX and results in continued incorrect information.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed a dispute letter to Equifax on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX AGREED to close account # XXXX. Payment was made on XX/XX/22 via XXXX XXXX. It has posted on their Ledger and Debited and posted from Bank Account -- -- The account should show AS PAID and CLOSED and they have NOT done so XXXX XXXX XXXX is now AVOIDING MY CALLs. They have NOT met their obligation to reflect account as PAID and CLOSED following several conversations with the Compliance Analyst, XXXX XXXX This account has been PAID and SHOULD REFLECT CLOSED on my CREDIT FILES but it is not As they promised, I NEED A LETTER FROM XXXX XXXX stating that the account has been PAID AND CLOSED ..... 

This company is VOILATING THE FAIR CREDIT REPORTING ACT

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: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Millco Management
State: NC

Complaint narrative:
I was reviewing my credit report and I found a bill from XXXX XXXX that was sent to collections on the dates that it was acquired I had full medicaid and shouldn't have the collection more than. One dispute has been entered and they refused to remove and submit a claim for my insurance it is therefore not a valid debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Apothaker & Associates, PC
State: PA

Complaint narrative:
I had a family issue that caused me to take custody of my nephews in XX/XX/XXXX. It had placed a financial burden on my family as I couldnt work due to their needs. This caused me to miss payments, etc. I was going to file for bankruptcy but decided to try to negotiate settlements with the card companies. I couldnt get a settlement with XXXX and then XXXX XXXX bought the debt. They sued me through Apothaker Scian. I set up a payment plan and everything was going well until XX/XX/XXXX when XXXX erroneously charged me twice. While this happened, it caused my payment to be returned to Apothaker Scian and I didnt realize this had happened. Honestly I deposit enough for the bills and then have everything set up automatically so I dont check the account as often as I should. Apothaker Scian said they notified me by mail that the payment was returned but I never received any communication from them. Maybe lost in the mail?!? However, they never tried to resubmit the payment or tried pulling funds for any subsequent payments that I had preauthorized. They have no frozen my bank account and have caused more damage ( missed daycare payment, insurance payment, late fees, etc ) all over a relatively small amount owed. Especially during a pandemic ( we maybe coming out of it now? ) when everything is rising and things are already tough for many people.

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: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
For at least a year, synchrony XXXX XXXX has been add " insurance fees '' monthly ranging from XXXX bucks that I never approved. It's card insurance. I reached out but that department is off line and unreachable for a month per rep. 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 monetary relief
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 — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am simply trying to change the statement due date on my XXXX XXXX Bank of America credit card. There is NO WAY TO CONTACT CUSTOMER SERVICE!! 
The messaging system when I sign in online has no way to create an outgoing message for help. When you call the number on the back of the card, they have you wait for an hour and then transfer you to someone who can complete this VERY SIMPLE TASK! When they transfer you, they just kick you back into the original system and you have to do the whole thing over again. 

PROVIDE A WAY TO MESSAGE CUSTOMER SERVICE WHEN YOU LOG IN TO YOUR ACCOUNT. 

Provide a way to change your statement date ONLINE.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was a victim of a XXXX XXXX  XXXX data breach. My information was compromised and sold through the dark web. Equifax, XXXX and XXXX do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for XXXX and XXXX, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022 I sent Capital One a Notice of Rescission letter.In response, Capital One then sent me a letter in the mail acknowledging my account being in a cease and desist status and stated they will not communicate with me in regards to any debt collection. Yet Capital One has still been sending monthly statements in attempt to collect a debt in the amount of {$16000.00}. This has caused me financial injury and suffering and i am demanding monetary compensation immediately for violation of my consumer rights.

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: GA

Complaint narrative:
I mailed a dispute letter to Experian on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a court order account that I submitted the paperwork from the judge to release the hold. Im being ignored and transferred from department to department. Its been over a week and my account it still unblocked. I been told that we dont have these accounts often so they dont know what to do and I need to wait. No details on what Im waiting for and how long.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: ID

Complaint narrative:
{$800.00} came out of my account, card ending XXXX for a contractor from some other state without ma knowledge or authorization. I have filled the necessary paperwork as well as taking the police report to the branch to fax to the fraud department. I have tried continuously to contact someone in management and get a call back and have heard nothing for 3 weeks now. Im at a dead end, Ive done everything required and have been treated very poorly by US Bank. Im not in a position that I can just ignore that amount being takin. This has been going on approximately 8 months and 5 new accounts later and still no resolution. Help would be greatly appreciated. XXXX 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 monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a family issue that caused me to take custody of my nephews in XX/XX/XXXX. It had placed a financial burden on my family as I couldnt work due to their needs. This caused me to miss payments, etc. I was going to file for bankruptcy but decided to try to negotiate settlements with the card companies. I couldnt get a settlement with Citi and then XXXX XXXX bought the debt. They sued me through XXXX XXXX. I set up a payment plan and everything was going well until XX/XX/XXXX when XXXX erroneously charged me twice. While this happened, it caused my payment to be returned to XXXX XXXX and I didnt realize this had happened. Honestly I deposit enough for the bills and then have everything set up automatically so I dont check the account as often as I should. XXXX XXXX said they notified me by mail that the payment was returned but I never received any communication from them. Maybe lost in the mail?!? However, they never tried to resubmit the payment or tried pulling funds for any subsequent payments that I had preauthorized. They have no frozen my bank account and have caused more damage ( missed daycare payment, insurance payment, late fees, etc ) all over a relatively small amount owed. Especially during a pandemic ( we maybe coming out of it now? ) when everything is rising and things are already tough for many people.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding several items in my account that, upon checking, have been unverified and have been placed under my name without my knowledge. Particularly, the bankruptcy charges, several inquiries and some chargeoff/collection that i saw. It is already affecting me so much. I wrote the bureau last month but i have not seen enough changes to convince me that they are doing something to correct my issues.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I mailed a dispute letter to Transunion on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Someone stole my identity for a smart pay or security credit services lol

Company response to consumer: Closed with explanation