vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: NH

Complaint narrative:
I've had extreme difficulty paying my bills for XXXX XXXX XXXX XXXX XXXX Nh and it's parent company XXXX XXXX for years. I can give you the details of those years if needed. Many times I've had payment plans and paid til they wouldn't take anymore money and this has happened several times. Last year the hospital had me make payments to XXXX different locations and I did til they were paid off but it was a kinda flimflam because I never knew what the bills were for or if valid. Today I get a letter from one of those agencies AMCOL but never got a bill and I was caught up. I strongly suspect fraud. Trying to call these people is useless and impossible to resolve anything. If they have XXXX non collection account that I can make payments we should all be happy but these people won't do it. I am willing and able to make payments, all the extreme difficulty comes from these related companies. When I saw this letter I've had it with their scams and need help. Should I contact the AIG? 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
I am an identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have XXXX  accounts at Citibank. XXXX credit cards and a money market. Last week I attempted to access my accounts and they required me to activate a atm/debit card that I never received nor want. I've been accessing online for two years without any problems nor this as a requirement. When I access now, they only show one of my credit card accounts so I have no access or info on the other two. I've contacted them several times and said that to obtain access and info to those accounts and need to activate a atm/debit card. This has not been the case for the past two years nor part of any agreement.

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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
When I fell behind in the mortgage I was told there wasn't anything I could do due to the mortgage was in my deceased husbands name and the deed was in my name. A finally talked to someone and they suggested I could assume the assume but that I would have to pay the entire back money. I gave up. Once it went into foreclosure status I was told that it qualified for a modification and the arrears would go on the back of the loan. I sent financial packets in and every time, they stated I was missing something ( pages 9-15, out of 15 pages plus attachments. The last packet I added my daughte, being a financial responsible individual in the house and the person taking responsibility for the house. Again they said you didnt have a pay stub and its within the 37 days and the sald is scheduled. The original packet was in on time and it was denied lacking a pay stub. The house sold at sheriff sale and Pennsylvania doesn't have a redemption period. I reviewed my statement sent via email. The home was purchased in 2001 for {$60000.00}. They show I owe {$58000.00} in principle and a total of {$100000.00}. I called XX/XX/XXXX to ask for a last minute miracle and the representative stated if I called XXXX, they could have modified the loan advising I needed XXXX hours. It was Friday the sale was Tuesday and this contridicts the 37 day rule. I am hoping that some miracle and since the bank bought it back I can reinstate the mortgage with assistance. The house needs to be signed over to my daughter, it is the last personal thing she has from her father.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: UT

Complaint narrative:
EQUIFAX INC IS REPORTING INFORMATION IN MY GOOD NAME. 
I HAVE TRIED TO COMMUNICATE WITH EQUIFAX INC AND THEY HAVE NOT RESPONDED TO MY DISPUTES. 
EQUIFAX KNOWS AND IS AWARE THAT I AM A VICTIM OF ID THEFT. 
I HAVE SUMMITED TO EQUIFAX FTC REPORTS EVERY WEEK. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
on XX/XX/2020, my wife fell victim to a phone scam, she went missing in fear of the scammer ; but was safely found and retrieved by the XXXX  MA. police department. during the course of this scam she was coerced into using our debit card to get money to the scammers via gift cards. As she was forced to do this by the scammer this was an unauthorized electronic funds transfer. After safely finding my wife we immediately filed a police report ( attached ) & contacted gift card vendor to try to reverse transaction and investigate ( target declined to do so ). then at the police station in XXXX ma they helped up contact our Bank Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN. XXXX, XXXX. We notified the bank of what happened, submitted a police report and created a dispute. It has been months and we never had any response from our bank ; however upon calling them they verbally confirmed that they denied our dispute for unknown reasons ; they refused to provide the information in writing which baffles us. We lost {$2000.00} dollars directly from our account via debit from this scam. We were informed about consumer protection laws such as electronic funds transfer act regulation E that may protect us in this situation. We need help dealing with our bank. Thank you, XXXX & XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Old information for a credit card that is 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: NY

Complaint narrative:
My son is in the process of buying my home at XXXX XXXX XXXX, XXXX, NY, XXXX. He is using XXXX XXXX  also. Because the home sale is in progress and will close soon no payments were made for XX/XX/XXXX, and XX/XX/XXXX. His lawyer and on advice from XXXX XXXX  said this would not be a problem. Today I received an E-mail from Transunion stating my account is two months overdue and that my credit report took a XXXX  point dive. I am extremely upset about this. After the required home inspection it was stated that some Vinyl siding panels needed to be installed along with a handrail. This work is in progress now and due to sub-zero weather the work will be completed in a couple days. Please tell me how to remove the negative credit report. XXXX XXXX  is involved with this transaction and my son has been in constant contact with XXXX XXXX. How did this happen and how will it be removed. I have never had a late payment until this sale that XXXX XXXX  is handling. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Account is closed.

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 2022-02-07 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: American Financial Resources, Inc.
State: FL

Complaint narrative:
I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
Equifax has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give Equifax my written consent to do so. Equifax is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent Equifax please send me a copy of the letter that I handwritten and gave you, my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: T.S. Holdings
State: TN

Complaint narrative:
I have been trying to remove these fraudulent charges IQ DATA from my credit numerous times. XXXX is done with their so called investigation less than 24 hpurs after i dispute it and now won't allow me to dispute it at all. BOTH other reporting agencies have removed it because it is unlawful. 
In XX/XX/2018 my XXXX XXXX XXXX daughter were in a XXXX  XXXX situation for our safety I had to leave the state abrubtly and relocate..XXXX XXXX XXXX ( purchased by XXXX homes AFTER my tenancy ) was aware of the situation. Never once was I informed of ANY of the charged they are reporting fraudulently. That home was left unlocked with a key left the inside at THEIR request. I have requested documentation for this {$16000.00} debt that is OUTLANDISH and haven't received anything from either company detailing WHAT and HOW I owe that money. I was never notified of the debt or given the opportunity to defend myself against this debt or even that it existed at all until it hit my credit. If there's a judgement I was never informed That's FRAUDULENT and illegal! It's been disputed a thousand times it's been completely removed from my other reports as FRAUDULENT and now i need someone to PLEASE help me remove this absurd amount of non existing debt that wasnt incurred by me from XXXX. This has held me back from having a place to live for my child for 2-3years and I deserve answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: FL

Complaint narrative:
I had applied for a COVID Forebeance with XXXX  and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.

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 2022-02-07 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: FL

Complaint narrative:
I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: FL

Complaint narrative:
I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.

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 2022-02-07 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I have noticed an incorrect and unauthorized item appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit 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 2022-02-07 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: MI

Complaint narrative:
Experian has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give Experian my written consent to do so. Experian is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent Experian please send me a copy of the letter that I handwritten and gave you, my permission.

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 2022-02-07 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I have noticed an incorrect and unauthorized item appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit 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 2022-02-07 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:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit 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 2022-02-07 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: Diverse Financial Enterprises
State: CT

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed an unauthorized charge that appeared on my XX/XX/2021 statement. Capital One failed to research my dispute and continues to report missed payments because I refuse to pay for this unauthorized charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX Assistant Vice President PNC Bank, Office of the Customer ( XXXX  ) XXXX XXXX Listed below are the fake deeds with mortgages held at PNC Bank. 

Instrument XXXX - states that the parcel ID # is XXXX Instrument XXXX - states that the parcel ID # is XXXX Both deeds reference address : XXXX XXXX XXXX XXXX, XXXX Neither of these deeds are actually related to XXXX XXXX XXXX which is actual parcel # XXXX Mortgage from fake deed Instrument XXXX - states that the parcel ID # is XXXX. 

This mortgage references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX. 

This mortgage also references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX. 

This mortgage also references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX as well as XXXX further along in the document. 





XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I filed a dispute with Bank of America on XX/XX/XXXX I provided police report number as I was asked to my claim was denied numerous times a supervisor told me to ask for the supporting documents/ denial paperwork & I did on 2 seperate occasions over a month ago & have yet to recieve I called in & was informed my claim was back open as of XX/XX/XXXX for a reconsideration which I did not ask for as I was told claim couldnt be reopened without new information & I have not submitted any. When I call the claims department nobody can tell me why it is reopened or by who or anything about my own account! Ive spoke to supervisors & managers & still nothing they seem to think that it could be due to a complaint I filed but Ive filed numerous complaints against Bank of America to no avail I also filed another complaint against Bank of America at cfpb that was never responded to & its been over 60 days.. all I wanted was my money back that was stolen & I seem to not be able to as well as not knowing what is going on with my own account. Im tired of dealing with a bank that treats its customers like trash & works against them & treats everyone as a criminal. I feel as though my rights are being violated & Bank of America is not gflowing their own policies & procedures & is not consumer friendly I would like to know what is going on with my claim & why my claim keeps being denied when they have fraud protection & I did not authorize the charges in my claim Ive been treated unfairly & discriminated against & something needs to be done

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 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I traded in my XXXX  bmw XXXX that I had for 2 years. I had extended warranty on it that didnt even start yet cause I was under factory warranty and I traded car in over year ago and have been waiting for my refund the entire time and bmw says they called dealership in Cali where I bought car and are waiting. Ive emailed and called. Over and over for the entire uear talked to manager at dealership where I bought car. Still no refund. The dealership where I bought the car who owns me the refund for extended warranty is in California. New century bmw in XXXX, California. And I traded the truck in to bmw dealership in nj called XXXX bmw. I think Im owed like 4-6k I payed for extended warranty.when I called bmw financial about it they said the dealer has to refund me and they cant help me

Company response to consumer: Closed with explanation