vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 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: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to CarMax to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing CarMax to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Their pitch : " We Guarantee You're Going To Love It! Samples are great, but we're happy to go a step further. Our first-time customers have the opportunity to inspect our product up close and personal with zero obligation to purchase. '' XXXX XXXX XXXX solicited me about a commemorative plaque. It was sent as a courtesy review, I was traveling and never opened it. I was not interested but it was already delivered. I called to decline and was told I had it over the preview time frame and they demanded payment or I would be sued. I was disturbed by their aggressive behavior and the need to make me feel obligated for a service I did not request. I asked if they would order a return label via XXXX XXXX and they refused with the continued mantra of demanding payment, first with a deep discount and trying to negotiate a lower rate. I was not interested and was clear about my decision to reject the item. 

Then sent an invoice for the full amount. Soon after the letters from XXXX XXXX XXXX, came the calls and correspondence from Transworld Systems. I attached a letter dated XX/XX/2019, outlining the events and the proof that the product was returned unopened. 

It seems that XXXX XXXX XXXX uses bait and switch tactics to force a sell. I am appalled since the target seems to be women business owners who are recognized for awards. I would never do business with a company who forces products and services on anyone. I found the unprofessional, unethical and aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Chrysler Capital to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Chrysler Capital to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: DC

Complaint narrative:
On XX/XX/19 I received an emailed from TrueAccord advising that the email was a communication from a debt collector and was an attempt to collect a debt for money owed to creditor, XXXX, XXXX in the amount of {$920.00}. I have never obtained a credit card and/or loan from XXXX, XXXX and advised that I was a victim of identity fraud and believed this to be included in same ; therefore I disputed the debt on a fraudulent basis. On XX/XX/19 I receive a second email advising of my " 30 day payment plan option ''. I never sleeted this option and continued to dispute the validity of the debt. On XX/XX/19 I received a third email that stated, " We'd like to discuss solutions for your outstanding balance of {$920.00} with XXXX , XXXX but need to hear from you. Please reply to this email or call XXXX to speak with one of our agents. '' I called the designated phone number and initiated what appeared to be a new depute. Therefore, on XX/XX/2019 I received a fourth email that indicated I against have an oustanding balance of $ XXXXand  that True Accord continued to work with XXXX, XXXX to help resolve this outstanding balance. I continue to dispute this debt and have no further information because I did not obtain and/or apply for this type of loan financing. TrueAccord continues to attempt to collect on this debt and ignores the Identity Theft Affidavit provided to them which I previously field with the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have tried sending money to my wife 's bank account as I do every month with success. This month it gave me an error, as it is through XXXX, it should be fast transaction. But instead there was an error and the payment was cancelled. I did the transfer one more time, just in case it was just my phone. That one was cancelled too. Instead of giving me back the money or sending it to my wife 's account, the money is just missing. 

Well, I have called Ally bank every other day to report it but they refuse to make a claim or report it. They want me to wait a few days to see if the funds get returned to me. Well it's been past the allotted time they told me to wait and now they want me to wait for another 14 business days. 

I don't have the funds not does my wife. I dont understand why it is taking so long to get back to me, after all, Ally bank never sent out the transfer.

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 2019-07-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Citi Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Citi Bank to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX as of XX/XX/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 2019-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Received Trial Period Plan from Shellpoint Mortgage servicing XX/XX/2019. 
I've made 2 of 3 trial payments, received property foreclosure sale letter from foreclosure attorney XXXX, XXXX, XXXX XXXX XXXX. 
Please postpone property foreclosure forXX/XX/2019. 
How do you foreclose on my property when I'm in a trial plan? 

Please Help!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I changed my wireless phone service provider due to the dispute on my bill which was $ XXXX for one month. My average monthly bill was between {$140.00} to {$170.00}. I cant get an answer so I switched an account to XXXX. XXXX XXXX XXXX charged my Bank of America credit card that was never been authorized. Bank of America provided my credit card account # to XXXX XXXX XXXX because I didnt have enough money in my debit card to pay off the disputed bill. Bank of America revealed my personal information to XXXX XXXX XXXX to make unauthorized charges. 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 2019-07-24 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: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX/Westlake Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing XXXX/Westlake Financial Services to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Morgan & Associates, P.C.
State: OK

Complaint narrative:
I received a letter from Morgan & Associates Attorney at Law  with a date stamp of XXXX XXXX, XXXX In this letter it states this is an attempt to collect a debt with a balance of {$4500.00} and has a signature as if there was a lawyer, and attached was a full Detailed breakdown of the services that was rendered to me on XXXX. 

XX/XX/ I responded with a certified HIPPA violation letter to that facility stating they didn't provide a HIPPA release form to their facility and with the information they provided violated my HIPPA rights. Shortly after the account was deleted off my credit report and heard nothing else from Morgan & Associates Attorney at Law. 

I received a letter from XXXX stating as of XXXX the account was assigned to them for collection. Morgan & Associates already violated my HIPPA Law rights and turned around and release this debt to another collection agency for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SRA Associates, Inc.
State: KS

Complaint narrative:
I got a letter from SRA Associates telling me that I owe a balance with XXXX XXXX. I was very confused because this car was totaled out due to an accident and the loan had gap insurance. 
I reached out to SRA Associates, to see if they could prove me information on the account but they couldn't. All I was told by XXXX XXXX that he wanted XXXX a month for the payment plan and if I didn't agree to that then they were going to garnish my account on Thursday of this week. I can't afford that, I'm on social security and XXXX. XXXX XXXX was cruel and very mean. I hung upon him. I called my daughter and asked her to find out what was going on with this debt. She tried to contact them and got XXXX XXXX and he told her that she had to pay XXXX per month for the payment plan or they were going to just start garnishing her too. 

I just got the notification, how did I get sue on this account. The abuse I'm getting from this collector is ridiculous, over a XXXX debt, that I was told by the insurance company was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Santander Consumer USA to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Santander Consumer USA to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX  as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My friend who banks with XXXX XXXX Accidentally sent me money thru XXXX CHECKING ) She sent me her rent money in the amount {$500.00}, My account was in the negative. I submitted a claim so they can return her money and she even attempted thru her bank and they refused to return the money to her account. I am beyond disappointed with CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
On XX/XX/2019 I was contacted by Caliber Home Loans to refinance, the only product offered was a FHA streamline refi. After having a third party review the closing docs, I come to find out that this was not the best option for me. The agent failed to explore all the refinancing options available to me. Since this process lacks an appraisal and it wasn't done I was placed back on a FHA loan when I could of saved more money by going conventional. Contacted the company and the manager agreed that Conversation could of been a better option but offered no way to remediate the companies lack of guiding me in the right direction. Not being presented with all the options has cost me about XXXX in the back end of the loan and about XXXX dollars more a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAB Receivables, Inc.
State: MI

Complaint narrative:
I do not recognize the charges on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HYUNDAI CAPITAL AMERICA
State: KS

Complaint narrative:
I got a letter from XXXX XXXX telling me that I owe a balance with Kia Motors. I was very confused because this car was totaled out due to an accident and the loan had gap insurance. 
I reached out to XXXX XXXX, to see if they could prove me information on the account but they couldn't. All I was told by XXXX XXXX that he wanted XXXX a month for the payment plan and if I didn't agree to that then they were going to garnish my account on Thursday of this week. I can't afford that, I'm on social security and XXXX. XXXX XXXX was cruel and very mean. I hung upon him. I called my daughter and asked her to find out what was going on with this debt. She tried to contact them and got XXXX XXXX and he told her that she had to pay XXXX per month for the payment plan or they were going to just start garnishing her too. 

I just got the notification, how did I get sue on this account. The abuse I'm getting from this collector is ridiculous, over a XXXX debt, that I was told by the insurance company was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
THIS IS A SECOND COMPLAINT PLEASE DO NOT MARK AS DUPLICATE COMPLAINT BECAUSE THIS COMPLAINT IS IN REGARDS MY MORTGAGE ASSISTANCE APPLICATION DENIED ON XX/XX/2019 This year I was facing foreclosure because I can not afford the payments for a loan that I have with Chase because with the years the payment has steadily increased from {$130.00} to {$260.00} per month, also my health and financial situation are not the same as when I applied for the loan and the living expenses increased -Property tax, utility cost, Gas prices, Health Insurance- . I applied 2 times for a mortgage assistance and both applications have been denied, Chase just offered me a short sale or a deed-in-lieu of foreclosure but both options will make me a XXXX homeless person. I am just asking to reduce my monthly payment in order to keep a place to leave, have food in my table and have all the medicines and medical treatments that I need to keep me alive. During the last 10 years or so I have been inundated with medical surgeries just to stay alive. I am a XXXX survivor and have had a lifelong XXXX issue that has become progressively worse. I have had multiple XXXX surgeries caused by other medical conditions and at one point my XXXX literally snapped in half and I needed to have emergency life saving XXXX. I have had XXXX because of all the medications necessary to live have thinned my XXXX   so much my own body started contaminating itself. The medications and the surgeries just exacerbated the issue and I had to have other surgeries to undo the damage caused. And all these things dont even begin to bring forth the light of what truly has happened to me medically. I am just trying to keep my history as private as I can while still informing you of the seriousness of my medical condition. It goes without saying that I am unable to work since I spend so much time just trying to stay alive. I am unable to work. Due to this I am unable to garner any real income to pay for this increase in the minimum loan payment amount you have just given me, to make matters worse my income will be reduce this year. I served as teacher for decades, My husband served the country in the military before pass away. I just asked to Chase for help modifying this loan I have with them, so I can make $ XXXX $ XXXX  monthly payments to the loan while I still live. The way I see it, Chase will get more money this way. Chase can always foreclose the home once Im dead and get the money anyways, but at least let me pay chase in {$100.00} installments so I can go on living my life in my home with whatever time I have left.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX PHH has been tortuously combative against this borrower for the last 3 months. 

We submitted our authorization on XX/XX/XXXX. We called in XX/XX/XXXX and were told the validation of our authorization would be completed the next day, XX/XX/XXXX. 

XX/XX/XXXX we called in and were told our authorization was going to take an additional 10 days. We tried to speak to management and escalations several times. The reps were consistently rude and combative with us. When we were finally transferred, we were repeatedly transferred back to their department in XXXX, which we know from the last 12 years working hundreds of files with PHH ( XXXX ) to be worthless at problem-solving. 

PHH is giving us the same treatment they have been giving the borrower over the last 3 months. The borrower is a minority whose husband has recently passed away. On top of the stress of her husband passing away and then realizing she is going to lose her home, PHH has taken it upon themselves to be combative and abusive. 

This is UNACCEPTABLE. I want our authorization to be validated immediately. I want answers as to what is going on on this file NOW, and the egregious and unprofessional behavior to STOP!!! 

CC : 1. OAG 2. XXXX XXXX 3. OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Identity theft victim

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
CRA is in continuous error and hence violation of the FRANK DODD ACT, along with several FCRA, FDCPA and other consumer protection laws.

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief