vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I received notification from XXXX XXXX that my score dropped because I had a late payment to GM Financial. 
I never received my final bill with information on how/where to PAY my bill. 
I called GM Financial XX/XX/XXXX and told them I never received a bill. They said they generated one on XX/XX/XXXXI said, Well no wonder I didnt get itit must have gotten lost in the XXXX mail mess. They said they called me and left messages multiple times, and I told them I NEVER received a phone call. I spoke to a supervisor, who gave me a phone number I didnt recognizelikely an old work phone number. I asked if they had my cell phone numberthey didand I asked why they didnt try to call me there, since I NEVER received a phone call to my personal cell phone, nor any bills. They had no answer to that question except that the phones auto dial. ( Apparently their auto dial system is substandard because it does not dial all phone numbers of record. ) I paid my bill over the phone right that moment, in full, and even {$20.00} in XXXX XXXX fees. I asked them to remove the late payment reporting on my credit report and they said no, they wouldnt, because they had not made an error. I said that they had made no attempts to reach me, and I have a pristine record, they could see Ive paid everything on time, and obviously I had just paid them as soon as I figured out how to reach them. They said no. It was only 34 days late, today, when I paid. They said they report everyone when they are 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It has been appearing on my credit report a change of address when in fact I've never changed my address. Ive spoken to the Postal Federal Police concerning these false changes and they seem to think someone is doing such on line. None the less its being reported as if i have a new address in a different state when in fact my drivers license and id currently says my location is in XXXX California. The postoffice states that someone has reversed engineered the mailbox keys from the back of the mailbox and such these entities and or enemies are hacking systems and making an attempt to steal property by changing addresses and taking property such homes cars tags registrations and credit cards. Recently someone was caught on camera using the stolen property on camera twice once at a bank and the second time at a XXXX  XXXX. Please contact officer or agent XXXX XXXX XXXX internal mail theft, or USPS postal police inspection services XXXX XXXX mail theft ask to speak to postal inspector for these individuals enemies and or entities have created counterfeit keys which is floating in our area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been appearing on my credit report a change of address when in fact I've never changed my address. Ive spoken to the Postal Federal Police concerning these false changes and they seem to think someone is doing such on line. None the less its being reported as if i have a new address in a different state when in fact my drivers license and id currently says my location is in XXXX California. The postoffice states that someone has reversed engineered the mailbox keys from the back of the mailbox and such these entities and or enemies are hacking systems and making an attempt to steal property by changing addresses and taking property such homes cars tags registrations and credit cards. Recently someone was caught on camera using the stolen property on camera twice once at a bank and the second time at a XXXX  XXXX. Please contact officer or agent XXXX XXXX XXXX internal mail theft, or USPS postal police inspection services XXXX XXXX mail theft ask to speak to postal inspector for these individuals enemies and or entities have created counterfeit keys which is floating in our area.

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 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A Loan for a vehicle was opened in my name with XXXX XXXX in XXXX Tx. I reached out to the company multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXinforming them that this was not my account. I told them that I have never been to Texas and did not sign any documents. I had forms notarized by my bank during my fraud claim with the company to prove my signature and they said that I am still responsible for the loan. I tried filing a police report, but was told to get a copy of the records. I was told by XXXX XXXX that I can not have records that is in my name. This is complete fraud because I did not sign for anything. 

I also told them that I do not have a driver 's license and at the and at the time of the loan I only had a non-drivers license in NYS.

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 2020-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Error 1. Monies was applied to enities other than the princple payment and intrest. Mr . Supplied rational legal representations of why they have the decresion to apply monies but this wasnt stated to me inwhich i filed the first complaint because they never told me in documents that they were going to disperse monies in this manner. If this was conveyed in a way I would have understood and the inital complaint would not have been filed. 

Error 2. XX/XX/2019 After timely filing withing the 37 days that fed allots Mr Cooper loses my paerwork forcing the process to be delayed and I resubmitt the information and it was acknowledged as acceptable until a period after five business days and it was in languange that didnt address the acual situation of why my modifcation was denied Error 3 I called this company NUMEROUS times to address these occurances prior to becoming a problem and Mr Cooper represenatives stated docuemtns were acceptable but i would get a letter via email on Mr cooper website fifteen to thirty days later that I have been denied for timely filing, illegable documents, updated documents and eccessive obligations. 


Error 4 I sent email correspodense to Employees of the Mr Cooper and to a dedicated email XXXX Showing that I am not garnished for child support nor am i paying it and that information that was inputed prior was in error and needs to be revised yet Mr Cooper continues to revist the same errooneous information even though i lawfully submit documents to substantiuate otherwise After Mr Coopers ineptitude to follow its own process and provide cohesive instruction to rectipients of its process one futher incurred adverse action from Mr cooper because then income was taken into acount from XX/XX/2019 until now and i would have been back to work and gainfully employed had i had a modifcation. Countless employess were informed of this they were informed i was workign diligenlty to get back to work after my ailment and that it hurting my chances of sutiable employment that my credit report is damaged due to the fact that i wasnt able to get a modification Tricked by a agent of Mr Cooper to pay a principle payment inXX/XX/2019 because thats the only way Mr COoper would approve a modifcation ( this is during Mr Coopers Document Fiasco and i paid this in good faith. I could have saved the money for legal counsel because thats the only way I will recieve justice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
1. XX/XX/XXXX Phone payment made to amerihome mortgage with payment followed by a received confirmation for payment to be processed XX/XX/XXXX. [ XXXX ] ( view attached ). Notified by XXXX via statement ( XX/XX/XXXX statement date ) that payment bounced on XX/XX/XXXX. 
2. XX/XX/XXXX received loan statement assessing a late fee of XXXX in addition to XXXX, totaling XXXX. 
3. We were going through a period of forbearance* effective XX/XX/XXXX. Reason for forbearance : Father in critical condition and was admitted to XXXX care. Additionally, sister was diagnosed with XXXX XXXX XXXX and had to make frequent visits to XXXX  XXXX for treatment. 
a ) As of XX/XX/XXXX, father passed away. ( view attached : XXXX funeral doc. AttachedDeath cert. available upon request. ) b ) ( Sister ) was still undergoing treatment at XXXX  XXXX *if information is needed able to provide 4. XX/XX/XXXX ( Monday ) We prepared and issued a cashiers check in the amt : XXXX which was confirmed as received by Amerihome Mtg. bringing the account up to date with XXXX remaining on the balance. 
5. Sometime beginning XX/XX/XXXX we were issued mishap reversal refund of XXXX, reducing our XXXX payment on the balanceeffectively delaying the delinquent situation further in which we concluded that Amerihome Mtg. was insisting that the whole payment of XXXX or no payment ( will reference this in their claim about offering a reprieve had we contacted them. ) 6. Due to the mishap reversal refund, we made a money order payment of XXXX on XX/XX/XXXX with the intent to clear both the XXXX refund and the XXXX remaining balance. 
7. we received a statement dated XX/XX/XXXX from Amerihome Mtg . on XX/XX/XXXX ( Thursday ) stating we had a balance of XXXX XXXX. XX/XX/XXXX received letter from amerihome letter date XX/XX/XXXX that they have made multiple attempt to reach us and referring our loan to a foreclosure review committee 9. XX/XX/XXXX contacted amerihome spoke with Mrs XXXX. She notified us as of this morning they have sent our loan over to the attorney for foreclosure. They did not receive payment of XXXX that was sent via money order. Was instructed to call back by XX/XX/XXXX so we can know how much is owed and request a refund from XXXX XXXX ( refunds can typically take 30 days if and when approved ) 10. Called Amerihome Mortgage XXXX XXXX  XX/XX/XXXX Spoke with Mr XXXX employee id number XXXX notfied us that our account has been assigned to Attorney XXXX XXXX XXXX XXXX. 
11 contacted the lawyer office office hours Mon-Friday XXXX will attempt lawyer again Friday XX/XX/XXXX NO phone calls what so ever has been made to any point of contacts. Letters are delayed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions.
State: UT

Complaint narrative:
Received paper bill in mail dated XXXX from FBCS Consumer Contact Solutions - XXXX. 

Received phone call about the bill shortly after. I requested they send all future correspondence in writing. 

I did not take down the number of the call as I have not had problems with debt collectors call after my request. I believe that on the call I stated that it was right before XXXX and XXXX and that I was not able to negotiate a settlement at that time. 

I have attached two of my XXXX  bills showing my call logs from XXXX and XXXX. There are two calls from area code XXXX during that stand out to me as being numbers they may have called from : -- XXXX inbound XXXX at XXXX XXXX  - 2 minutes -- XXXX inbound XXXX at XXXX XXXX  - 1 minute I know I received a call about this bill and I know I requested that all correspondence be sent in writing. 

Recent History of Calls ( screenshots included - phone log only goes back to XXXX ) : -- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Answered and made an offer for a settlement. 

-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX outbound XXXX. XXXX offer acceptance and payment plan arranged. 

Payment was authorized on XXXX and posted to my account on XXXX. 
Charge ( same as authorization made on XXXX XXXX to my account on XXXX and posted to my account on XXXX. 

-- XXXX at XXXX XXXX ( 9 minutes ) : called to ask re : duplicate payment. Agent asked whether both payments had posted. He asked me to email his supervisor confirmation that both payments had posted ; he was adamant that they must have proof that both payments had posted. He seemed very concerned about returned payments - which means that this was intentional. 

-- XXXX at XXXX ( 5 minutes ) : called to confirm receipt of my screenshot that both payments had posted. Was told the payment had been reversed. Did not receive confirmation by email ( as this was how I was told to submit my proof ) from XXXX. Asked for the name of the Debt Collector - Financial Business Consumer Solutions, FBCS ; the phone number she gave me is XXXX. 

Reversed charge will not immediately post to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I first noticed a fraudulent charge of {$19.00} to my XXXX   XXXX XXXX credit card. This charge was from " Experian Credit Report ''. I have never used Experian for any matter and NEVER authorized them to charge my credit card {$19.00}. On XX/XX/XXXX I cancelled that particular card and XXXX  XXXX XXXX issued me a new card that I received overnight mail on XX/XX/XXXX. With the new card I requested any new attempts by Experian Credit Report to charge on any account to be declined. 

Experian Credit Report as repeatedly attempted to charge my NEW credit card a recurring fee of {$19.00}, this they attempted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today XX/XX/XXXX. 

I have exhausted all attempts to contact this business as I can only speak to a recording unless I give them my full name, date of birth, social security account number and my current address. This will never happen. 

Again, I have never used Experian Credit Report, never authorized Experian to charge my credit card. I only want them to stop their fraudulent attempts to charge my account. 

Respectfully, 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 explanation
Consumer complaint received 2020-02-07 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: NY

Complaint narrative:
I am a victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: NY

Complaint narrative:
Good day, I been having a big problem with capital one and im from the USA they send me to the XXXX and no one 's want to help or fix there technical support. 

I have been disputing a charge of XXXX since XX/XX/XXXX a product was damage and not the real product, it was wrong. I contacted them and they been ignoring me. So I reach out to my credit card. 
So they discriminate me my account. Because I had send them proof from above and I call to tell them about bthis broken product that is not the right one. 

2 ) now purposelyv they change my due date with out my authorization. I always paid after the XX/XX/XXXX 3 ) now been charging me late fee, so there's sobatage my acct. 
4 ) no names on the paperwork which it's unprofessional and dishonest. We need to have there name so we can ask for them.

5 ) now I want to reset my password and make some updates.

6 ) ; I was changing my password and the computer didn't allow me to. I was doing to enter the 3 cvc code so I can make changes. That didn't work.

7 ) I call up technical support and they said they didn't understand so the XXXX didn't know. What to do. 
8 ) then I wanted to update my phone number and there so lazy they don't remove the old ones. So now everything is pile up 9 ) there were going to send me a verification by phone and that doesn't work .I had a new phone a dum phone bwhich I can accept texts messages and I gave them new number and nothing went through. Nobody offer to help me .nobody was using there smarts. 
Then they lock me out sent me to fraud. For there harassing me my acct. Who does this. This company are dishonest unprofessional people. This has happened before .I contacted you guys has help me and capital one apologize .I got the USA. We're people no matter where we live.should be respectful and helpful. There were asking for mail proof. I don't know who those people are. I will never put my self sending information by mail. The same way this company CFPB don't want our information on this screen.. so retaliation should be punished a fine should be against them for giving us so many stress I felt I was having a XXXX XXXX. I had to see a doctor about capital. Please. They could of fix the trouble shooting why didn't they offer. This is discrimination abuse from capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
TD Bank has blocked me from accessing my checking account and put a hold on my money. I tried to resolve the issue over the phone but they want me to go to a branch in person to solve it which unreasonable and inconvenient for me because at the moment Im in the State of Oregon and there are no branch anywhere whatsoever. They want me to go back all the way to New Jersey in order to remove the hold and I dont think I will be back in New Jersey for at least the next 4 months. The way they handle this type of issue is just out of the ordinary and it is causing me stress for trusting a failed financial institution with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts and included a document that shows I don't have a bankruptcy. Please remove all damaging accounts from my credit profile. 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 2020-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
In 2015 I went to purchase a vehicle at XXXX. At the time I was XXXX and didn't qualify for any leasing companies except one. Exeter finance financed me at XXXX dollars a month as a XXXX XXXX XXXX with a minimum wage job. Although I am grateful that they allowed me to obtain a vehicle, 5 years later I am still paying XXXX a month and have nearly payed 4 times for what the vehicle is worth because my APR is 18.75 % +. the state max is 16! Of course i didn't know that this was Usery at the time. This has put me in financial danger ever since. I have XXXX children and the fact that a company can make a lease on a vehicle 4 times what the vehicle is worth is beside me. This company preys off of those who don't have the credit to purchase a vehicle them self so they step in jack up the price and and throw in a extreme APR. Im assuming nothing will get done about this so therefore I would at least pass on this information. Exeter finance has been caught price gauging and has already paid out XXXX XXXX for the same reason! 
STATE LAW OF TN Legal Maximum Rate of Interest 10 % ( XXXX ) Penalty for Usury ( Unlawful Interest Rate ) Contract unenforceable ; if found unconscionable, lender must refund charges, fees, and commission fees and successful plaintiff may recover reasonable attorneys fees ( XXXX ) ; willful collection is a Class A misdemeanor ( XXXX ) Interest Rates on Judgments 10 % or at contract rate ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
as previously stated, I am 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
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts and included a document that shows I don't have a bankruptcy. Please remove all damaging accounts from my credit profile. 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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts and included a document that shows I don't have a bankruptcy. Please remove all damaging accounts from my credit profile. Thank you.

Company response to consumer: Closed with explanation