vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage is clear we have paid on time and even from the previous lender, never missed or late payments. On XX/XX/XXXX, they received the XXXX mortgage on time and in XXXX, they called to let us know the impounds have increased and the new mortgage amount is~ {$100.00} more. We changed this immediately and began sending the new amount. In XXXX, we found out they filed a late payment to XXXX, XXXX XXXX, XXXX on our credit. A business transaction was canceled due to the bad payment history which is how we found out. Contacted the lender and they said that they did send out written notice ( we never received ) and so they had the right to put the mortgage into a side account and not apply it to the loan and file a late charge on our credit for the entire amount. is this correct? if so, it creates an unknowable situation. They are poor communicators, hard to get hold of, we receive very late or no mail from them and if impounds change again, they can easily further damage credit. 
please advise.

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 2021-10-19 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Back in XXXX I purchased a car at a XXXX dealership, which was financed through Nissan Motors Acceptance Corporation ), at the end of XXXX the car was in an accident and it was declared a total loss by the insurance company, which made a large payment through NMAC to cover almost the entire balance of the loan, there was a difference of {$1200.00}, which was negotiated down to {$330.00} and that was supposed to close the account satisfactorily ( NMAC claims that they have no record of this settlement in their system ) Instead the account was declared a charge off and has been reported as such for 3 years, I have unsuccesfully tried to dispute it several times and every time the account gets updated from bad to worst ) I disputed it again a few days ago and it was updated showing the following : XXXX, XXXX payments late as of this month and since XX/XX/XXXX. 
XXXX, reporting On time and Late payments after XXXX, even that no payments were made after XX/XX/XXXX. 
XXXX, no payment history reported. 

This malicious reporting has been a challenge for me and my family to obtain a home loan, especially with the 41 payments late reported, and causing unnecessary stress and harm, as well as countless hours of trying to communicate with someone at NMAC to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
Someone stole my card information and withdrew XXXX from my account. I never lost the card and its been with me even now. After my claims were denied I even went to report the incident to the police department. Filed a police report and forwarded information to bank. Now they tell me they couldnt get surveillance video of atm. And that if it happened at another banks atm its not their problem. I feel like they are doing the most to not help me when I need help the most. Im already unemployed.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc.
State: AL

Complaint narrative:
I have had multiple calls from a company by the name of RGS Financial ( from a number listed as ( XXXX ) which I have missed. The location indicated is XXXX, AL. No messages were left on my voicemail. 
I attempted to return the phone call at the number listed. The immediate automated voice message says that it is in attempts to collect on debt. To my knowledge, I absolutely do not have any outstanding debts to anyone for any amount. I selected the option to speak to a person. They would not use my phone number to retrieve any information without me confirming my name, which I refused to do. I called again and selected the option to use the automated payment system. The Automated payment option was able to look up my account by the phone number from which I called from, but immediately asked for a credit card number, which of course I did not provide. I called again, selecting the option to speak to a person and asked for my account number or debt owed information to which again they denied me access to unless I would provide my name. I explained that the automated system did not ask for this information and was apparently able to identify me enough in order to be able to ask for my credit card information. This is either a scam or this company has terrible business practices putting American 's financial security at risk. Something needs to be done to shut this down or force them to comply with business practices that would protect consummers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXXEQUIUM ASSET SOLUTIONS LLC is reporting a wrongful erroneous collection on my report that is NOT mine .... SEQUIUM ASSET SOLUTI Account number XXXX Original creditor XXXX XXXX sold - Account type Collection Account Date opened XX/XX/2021 Account status - Payment status Unpaid Status updated XX/XX/2021 Balance {$440.00} Balance updated - Paid off 0 % My numerous attempts to resolve this issue with Sequium went either ignored, or they start calling me for collections harassing at work, home and relatives. However when I tried to pay to get this over with they told me they do Not have this account and I have to call XXXX but have no number or account for me to call, AND they keep reporting this account on my credit report. When I dispute this with the bureau, the process of harassing calls starts again ... this is rediculous and illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: NY

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021 They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CCS Financial Services, Inc.
State: MS

Complaint narrative:
XXXX, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
credit collections is wrongfully reporting a collection on my report and is NOT willing to cooperate to either accept payment in lieu of resolution or delete it because they don't have it on their records and can not find any account in their system that matches my personal information My numerous attempts to resolve this issue with credit collection services went either ignored, or they start calling me for collections harassing at work, home and relatives. However when I tried to pay to get this over with they told me they do Not have this account and I have to call XXXX XXXX, don't even know who they are but have no number or account for me to call, AND they keep reporting this account on my credit report. When I dispute this with the bureau, the process of harassing calls starts again ... this is ridiculous and illegal!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/2021. Ordered an airline ticket from the American Express app. The app crashed right during confirmation. Email confirmation was not sent for several hours. I was flying out the next day or shortly there of. So I ordered a second ticket since I didn't receive confirmation and the app crashed. I called Amex several times the next day and impending weeks. They gave me the run around and did nothing. So I finally disputed in writing to make a record. They dragged their heels and took 2 months to research their own system since I purchased in their app. They denied without addressing the issue of the app crashing or the dozen call I attempted to rectify before flight and in the weeks after. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Caine & weiner has been deleted and they recently sold it to a debt buyerand a charge off does not supposed to have a balance and its showing one please delete this immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CO

Complaint narrative:
Last Spring I noticed several weekly payments coming out of my account from XXXX XXXX XXXX. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. 

I called my XXXX XXXX  and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. 

Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? 

I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from Security Credit Services in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. 

Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, This is in reference to closed case # XXXX. If you open up the case you can see all the notes. Bank of America noted in several documents within the case that only one inquiry was sent to XXXX on XX/XX/XXXX for opening up a credit card account. 

However, I spoke to XXXX today and they're still claiming they show two inquiries from Bank of America on XX/XX/XXXX on my file. XXXX was not helpful in providing documentation of this only to tell me Bank of America needed to send them a Letter of Deletion to the following address XXXX XXXX XXXX XXXX, PA, XXXX XXXX also told me I needed to send a letter authorizing XXXX to remove an authorized inquiry from Bank of America. XXXX gave me this file number : XXXX. 

This is very frustrating as neither side seems to take ownership. 

Please reach out to me, as I need this inquiry off my XXXX file asap. 

Thank you. 
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 2021-10-19 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
On XX/XX/2021 Covergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account 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 2021-10-19 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: TX

Complaint narrative:
According to the FCRA, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Furthermore, I have sent proof to several months back containing an identity theft affidavit as all the items being disputed are a result of identity theft. I demand that the following accounts be verified or removed immediately : All the items below are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX please remove all non-account holding inquiries over 30 days, and add a promotional suppression to my credit file to prevent further identity theft. Inquiries as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been ordering from this company 's catalog for years with no problems. I decided to get their credit card in 2020 and used it to order. My bills are paid every month on schedule ... .sometimes thru bank transfers but I use the US Mail with this company.

Their statement reflected a {$40.00} late fee one month. I felt this was unfair as I had mailed my payment on the usual date but they claimed it had arrived late. 
I decided to tell their company 's CEO how I felt about this and I sent the late payment with a letter and my cut-up credit card to the name and address given as their headquarters.. 
Another bill arrived with a {$90.00} late charge... calls on my phone came every day... sometimes more than once a day began. I explained to the caller that I had paid the original charge and where I had mailed it. This did not stop the calls. I received a letter from XXXX XXXX of their company stating that I still owed the late charge ... and my original letter and payment to their CEO was returned by the US Mail..unopened with address unknown and no forward ... .I gave up and sent XXXX a letter and check for {$97.00}. 
I just got another bill from them for {$130.00}!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: MO

Complaint narrative:
i had a car and it put me down and they wouldnt fixed it and plus the state of Missouri has a lemon law that they didnt abide by so they still had my car and because of covid i couldnt get it fixed and my report shows charge-off and they violated the FCRA 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 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
I sent an amount of XXXX $ to a XXXX account, on the XXXX of XXXX, with the right XXXX information, but still to the date has never arrived. 
TransferWise, who charged XXXX $ as a compensation for this service, keeps replying that they sent the money but it never arrived. 
They blame the beneficiary bank for not answering to their demands, but the beneficiary bank can't trace any transfer as they never received anything. 
I guess they do this in order to keep my money for some time but I literally need this money to live.

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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE BANK USA was reporting on my credit report from XX/XX/XXXX XXXX XXXX when I the consumer realized that they were reporting ; I had them removed from consumer agencies such as XXXX XXXX XXXX and XXXX due to them not being able to submit documentary evidence. They have been sending me debt collecting letters via mail and email till this day even when they don't have documentary evidence which they are in violation of Title 15 U.S. Code Subsection 1692c. Communication in connection with debt collection and 15 U.S. Code Subsection 1692d. Harrassment or abuse. And Title 15 also states that the creditors need the consent from the consumer in order to contact them which I never consented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: LA

Complaint narrative:
I purchased furniture from a store called XXXX XXXX XXXX XXXX XXXX- I have done this twice before and utilized their financing option. I have paid off both of those balances with no issue and decided to get my sister some furniture for her new home. Today, I was reviewing my credit and I figured I should be close to the end of my balance with American XXXX XXXX finance company ( XXXX XXXX XXXX. ) On my credit report, it shows I still owed XXXX so I logged into the account and found a balance of XXXX  XXXX left. I went through my automated payments are realized I have paid over XXXX XXXX to them with an additional XXXX XXXX left to pay. This would me my total payment to them would be XXXX XXXX! My original purchase was only XXXX XXXX!! I called pretty angry to find out what happened. They explained I signed a lease to own, of which I had no idea! The furniture store offered me 90 days interest free otherwise monthly payments to pay off the balance plus interest. No one told me I would be doing a rent to own otherwise I would not have utilized the program! This is robbery to charge a XXXX XXXX FINANCE FEE for a balance of XXXX  XXXX! I never signed up for a rent to own and would never have. This should have been retail installments- this is completely incorrect.

Company response to consumer: Closed with monetary relief