vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an email about a job offering. 
I followed the prompt and got in touch with a lady name XXXX XXXX. We communicated via XXXX. I had the interview by XXXX. Once the interview was done I was told to wait 35 minutes and I would have an answer. After that 35 minutes I checked in with her and they offered me the job. I was emailed the offer letter. I signed and scanned it back to the email I had originally received the offer letter from. After that I was emailed a check with the amount of {$2400.00} on XX/XX/21. I deposited it into my account. And after a few days on XX/XX/21 I had full access to the funds. I then sent different amounts to 2 different emails via XXXX from me online banking app. They said I would get all of my work materials shipped to me after I sent the full amount to he vendor. After that I was told that I was a test to see how well I follow protocol. And they sent me another check for {$2300.00} on XX/XX/21. And said that check would be the second half that is needed to be paid to the vendor for my work materials. But, once I deposited that check the next morning ofXXXX the check was frozen and flagged. My account is now overdrawn by {$2300.00}. And it will not be fully processed until the XXXX of XXXX. After I saw that my account was overdrawn I started to investigate what was going on. I went to the ladys XXXX account, got her email and sent her an email saying that I believe that someone has been using her identity to offer job positions. She emailed me back within about 10 minutes and said that her and her company are aware of a phishing scam happening with offers of employment. 
And my bank ( Wells Fargo ) said they were unable to help me due to me being the one to authorize the payment.

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 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am purchasing a used vehicle, the loan amount is supposed to be XXXX when I spoke to the loan company in XXXX of 2021 they informed me that not long after they received my original paperwork there was another set of paperwork sent to them by the dealer ship with an additional {$5000.00} attached to it. I never signed a XXXX set of paperrs and the dealer ship has not fixed an issue with the vehicle that they were aware of when I left the lot they had me take it to their collision center where they took photos of my vehicle and was promised to fix it that was a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/21, there was an unauthorized charge on my checking account from XXXX XXXX XXXX. I do not have that cellular service, therefore I called my bank and they reversed the charge and said they would investigate the matter. I haven't heard from them in writing as they promised. A few days later I received a letter from XXXX thanking me for choosing TeleCheck XXXX by Phone to by the service fee/deductible for a recent Protection XXXX Claim Number XXXX, mobile XXXX, lost device, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX This is clearly not me, I do not have that mobile number, my cellular service provider is XXXX.The payment details on the letter are disturbing, because they show my name and address. The authorization date is XX/XX/21, date of draft is XX/XX/21. I tried to call XXXX but they wanted my SSN and other PII that I was not willing to provide. 
Today I received a letter from TRSRecovery services, notice of unpaid electronic transfer. I called the number provided and the person online also wanted information I wasn't willing to provide. He recommended that I complete a fraud report on their website. I went to their website and again, they are asking for my SSN, etc. I do not feel comfortable doing so. I received the runaround trying to call XXXX XXXX, and tele check. 

Please help me resolve this matter 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 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Shellpoint Mortgage Servicing has been overcharging my account from XX/XX/XXXX to the current date. Charges include overpayments listed on the mortgage statement, alleged home inspection, overcharged late fees and hazard insurance. I tried resolving this matter through dispute of making Shellpoint aware of the misconduct of the account and as yet the misappropriation of my funds has not stopped nor been resolved. I also filed a complaint with the South Carolina XXXX XXXX on XX/XX/XXXX. I filled out an intake sheet and assigned an attorney on the case. Shellpoint was also sent a Letter of Demand on XX/XX/XXXX in amount of approximately {$930.00} owed in debt of my account, ( XXXX XXXX and XXXX Dollars ) which has increase being this case is currently going on and Shellpoint still continue to overcharge my account late fees. I was hoping to resolve this matter through mediation and if I can not resolve this through mediation than I attend to file the complaint with the XXXX XXXX XXXX in XXXX South Carolina. If Consumer Financial Protection Bureau knows of any one that can mediate this problem between myself and Shellpoint it would be appreciated. I am a retired senior citizen with very low income.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX my address is XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ny XXXX contact information XXXX. My complaint is that selene finance loan XXXX ne er transfer my XXXX dollars that's still sitting in suspense. What happened was that my loan was transferred from my old lender XXXX XXXX XXXX XXXX. So that caused a delay in me making a XXXX dollars payment in which my new servicing company called Selence finance received on XX/XX/2021. I couldn't pay the difference of my modification trial before XX/XX/XXXX because my new servicing company called Selence finance didn't have my payment in their system yet that was being sent from XXXX XXXX XXXX XXXX when it was sold. .so what happened was that I spoken to customer service on XX/XX/XXXX and they told me don't worry you still have time to pay the difference of XXXX for XXXX trail modification payment as long as you get it in before the end of XXXX. Even it's due on the first you have like a grace period. So when I talk to a representative in collections dept she said when I pay the XXXX payment they will put in a request to transfer the money from suspense of XXXX dollars to my other payment that I make of XXXX dollars on XX/XX/2021 to satisfy my XXXX payment. Then I'll be due in XX/XX/2021. But when I called on XX/XX/2021 I'm getting the runaround in getting the XXXX dollars transfer from suspense to cover my XXXX payment. It's not my fault her that that I make my payments XX/XX/XXXX reason was that my payment information was transferred XXXX XXXX XXXX XXXX to selene finance and they up loaded it after XX/XX/2021 so they should update this information correctly in the billing system. When I made a prior complaint. The letter from selene finance states that I'm on a modification. It. XXXX from XXXX XXXX title resolution team. Can you please have her update my payment and transfer the XXXX dollars to my XXXX payment I also pay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had long-standing problems with Equifax. Ever since I sued them for their breach of credit data, we have had great difficulty getting them to unfreeze our credit reports when we seek to refinance. 

I have been trying to get it release all fall for a refinancing we need to do. I have detailed my experience in a blog I posted on my website XXXX. The link is XXXX XXXX XXXXXXXXXXXXXXXX XXXX 

I have tried faxing, at least twice, and mailed the paper requests. Again today, XX/XX/2021, I got letters from them requesting the same information I have sent in twice before. The certified return receipt was stamped XX/XX/XXXX. The date on the statement we need to submit is XX/XX/XXXX. We have submitted all this information multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Frontier Airlines closed my Frontier Barclays Credit Card due to inactivity. When contacted, Barclays representative stated that they typically send a written warning to card holders notifying them of the pending closure unless they utilize their card within 30 days. I received no written notice ( no notice of any type ). My current Frontier Barclays Credit Card is valid through XX/XX/23 ( if it had not been closed ). Frontier offered to reopen my credit card for an annual {$79.00} fee. I believe Frontier/Barclays closed my " no fee '' Barclays Frontier Credit Card to force me to a Frontier Credit Card carrying a {$79.00} annual fee. I would like my old Frontier Barclays Credit Card reopened. This seems like an unlawful action by Frontier Barclays Credit Card. 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 2021-11-18 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was sent an upgraded credit card from Citi Bank. I called in to activate it on XX/XX/XXXX which should have closed my old account. On XX/XX/XXXX my old card was used for 18 purchases, 15 of which were to a gov't agency in XXXX and 3 Auto places in XXXX, for exceeding my credit limit. I was never notified of this. I discovered it when I called in on XX/XX/XXXX to check my points. I immediately reported this to the Fraud and Security Department. They initially only tagged 3 of the items. I have since called and keep getting nowhere. I have received no communication from them at all. I have asked for correspondence and they have refused. I keep getting different answer as to why these other charges are not flagged under investigation. I received my statement and it says i owe {$12000.00}! Of that total only legally {$670.00} is mine. I even went to the branch bank and they were appalled by the communication via the phone to me. This has now been going on a day shy of 1 month and I still have no communication via text, letter, or email from them. My XXXX XXXX has dropped over XXXX points because they reported this amount to the credit bureaus. I was promised a letter would come today via email saying this was under investigation and nothing has arrived. I am at loss as of what to do next. Any other credit card company would place disputed items in a credit status while they investigate and send correspondence. Some of the agents i speak with are horrified when they look at this and can not figure out why this has not been resolved. 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 2021-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from Experian, XXXX and XXXX stating indirectly that they will not give the information that I requested under FCRA 609 and 611 Experian has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021.

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 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group
State: CA

Complaint narrative:
I was sued by the Moore Law group. They claim to represent XXXX  XXXX XXXX for an old credit card debt. I was never personally served by the Moore Law Group and they served someone at an old mailing address I do not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In summary : Best Buy ( CITI ) repeatedly overcharged me late fees & placed derogatory information ( late ) on all 3 credit bureaus. After making numerous attempts at contacting them they realized their errors & credited me back all paid monies. They however, have not corrected the credit reports. When I contacted XXXX, Best Buy ( CITI ) could not provide a date when I was supposedly 30 days late. Below is XXXX XXXX results. I've also attached detailed description of what lead up to their original mistake. 




From the XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Dear XXXX XXXX : This is in reference to your complaint against Citi. Your complaint was assigned ID XXXX. 

While we regret we were unable to reach your desired resolution, the complaint has now been closed in accordance with XXXX  policy. Your complaints closing will be described as follows in the companys XXXX XXXX XXXX : The business responded to the dispute but failed to make a good faith effort to resolve it. We understand that your concerns may not have been resolved to your complete satisfaction, so you may now want to pursue this matter through an alternative resource. To view a list of agencies you may wish to contact for additional assistance, please visit : XXXX XXXX XXXX 
Your complaint will be included in the company 's XXXX  XXXX XXXX for three years and be used to evaluate the overall performance of the company.

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 2021-11-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Insurance company XXXX has been taking out money of my account for months. Small increments at first but yesterday they took {$800.00} out of my account and it put me in the red and owe an overdraft fee. The bank refuses to dispute it saying I have to demand my money back from XXXX. I NEVER authorized XXXX to take any money out of my account, nor do I have them as insurance. I need that money as I live with my XXXX son who can't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I just received a copy of my XXXX credit report and noticed PennyMac marked my account 30 days delinquent for XX/XX/2021. 

Notably, during this time- my account was in a COVID-19 forbearance status. My loan has since been modified and I have restarted payments. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the following accounts with erroneous information : JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management paid in full still on my credit file XXXX XXXX XXXX XXXX I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house. 
XXXX XXXX paid in full is still on my file XXXX XXXX paid in full still on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
Predatory lending. Contract states 39 % but charged 71 %. Have paid back full amount won't negotiate interest pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: PNC Bank N.A.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : BBVA USA XXXX Balance : {$0.00} ; BBVA USA XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America recklessly disregards its own rules, regulations, and policies with regard to the over-draft protection I have with this dishonorable bank! 

One of my checks was dishonored and the merchant charged me {$35.00} but the Bank of America adamantly refuses to reimburse me for this {$35.00}. This even though the Bank of American gave me over-draft protection and readily admits that I have over-draft protection. 

My repeated complaints about this have gone nowhere with the Bank of America which with its tens of thousands of employees has no idea what to do that is, reimburse me the {$35.00} that the merchant refuses to cancel! 

The Bank of America by its actions has ruined my excellent credit standing with the merchant who now refuses to accept any of my checks. 

The Bank of America shows no remorse and assumes no accountability. The Bank of America in this matter is must about as trustworthy as a three dollar bill! 

Truly scandalous!

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 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This account 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