vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
In XXXX of 2020 I made a payment to Wells Fargo for our 1st mortgage. The statement showing this transaction shows a principal balance on our mortgage of {$270000.00}. This is a conventional 30 year mortgage. 

I accepted payment forgiveness ( COVID 19 ) from Wells Fargo and did not make a payment in XXXX or XX/XX/2020. Wells Fargo said there would be no fees or interest on this short term no payment period. The statements sent at this time showed the same {$270000.00} balance AND a 2nd principal balance of the payment that wasn't made that month. So, every month that went by - they are charging me the FULL mortgage payment that wasn't paid AND putting it on top of my regular mortgage principal - like a {$2100.00} Fee they are charging each month and adding to my balance. 

In XXXX, we made a payment. After the payment went thru - Wells said I now have a principal balance of {$270000.00}. 

After skipping 2 payments at no charge and making a payment - my total principal balance should be XXXX. Instead, thru XX/XX/2020 Wells Fargo has added {$2700.00} to my principal balance. 

I contacted them, they " resolved '' the issue by calling me a month later XXXX and telling me I'm wrong and they are correct. 

What they are doing is " adding '' the payments to the end of the mortgage. In reality, they are increasing the payoff of the house by thousands of dollars. If I sold this house in 5 years, I would have to pay these payments on top of the principal. 

I'm sure they are pulling the same thing with Millions of other people who may not be looking as closely as I am.

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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has deleted my credit history as of XX/XX/2020. I called Equifax on XX/XX/2020 at XXXX XXXX. ( XXXX ) XXXX and they had me to purchase a product on XX/XX/2020 for {$10.00}. The website is www.myservice.equifax.com I was told that was the only way I could check my credit report online. The site didn't work no longer than 15 mins. Only two of my credit items was on that report. Also, they've added over 10 inquiries that doesn't belongs to me. That happened on XX/XX/2020 as well. They didn't make me aware that my credit history had been part of the data breach. I believe this is why I'm having problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal permanently put limitations on my account since 2014. They did not explain why they did this action. Said it was transactions that was not right. Told them I had a processor through stripe. Reissued my information to them still denied me. Have not used their services since 2014 still penalize me. Tried to reach out to them in past gave me the run around and still would not tell me why they did this action. I go to an online school that only accept payments through PayPal. They let me pay my cost of tuition and service. Will not let me sign up.for others. If you need information I can provide. Will not even let my children get an account because of the address used. Can you help me out with a solution for this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote several letters to this company asking them to send me a copy of the documentation they have on file that was used to verify the items they have posted on my credit report. They ignored my request. Instead they sent me back a Piece of paper that has nothing to do with my request. Again I wrote them to inform them of my rights under 609 fcra disclosure to the consumer. They Again ignored my request. All I ask for from this company, is to send me a copy of the physical form that was used to verify the accuracy of the accounts they listed. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

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 2020-08-27 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
I terminated a lease with XXXX XXXXXXXX XXXX prior to its expiration in XXXX of XXXX. From the outset, they have ascertained that I owe them an amount slightly over XXXX XXXX dollars, which constitutes in material part both a liquidated damages amount and a penalty for failure to provide sixty-days notice to vacate. 

Both of these amounts attempt to recover for the property owner in the event of the tenant 's breach, however, seeking to recover both constitutes a " double recovery for single harm '' which is forbidden under Colorado Court Rule. 

Further, a charge of XXXX dollars, when actual damages sustained by my breach are only XXXX and XXXX dollars clearly identifies this contract provision as a penalty, as it has no correlation to actual damages nor does it constitute any accurate speculation at what actual damages may be. Penalties in contracts are federally unenforceable under the Uniform Commerce Code. 

Moreover, as of XX/XX/XXXX, the debts in debate here pass Colorado 's three-year statute of limitations on contractual debts. As such, while there may remain legitimate actual damages, the material portion of the stated debt is no longer enforceable in court outside of my previously stated objections. 

I have attempted on numerous occasions to argue the validity of this debt with both XXXX XXXX XXXX  and their assigned collection agency National Credit Systems. I have exercised the dispute process both internally and with all three major credit monitoring bureaus to no avail. A discussion with senior management at National Credit Systems ended with the suggestion that I seek legal action because they have no intent on validating my claims, and no credit bureau will support me without judgment or court order. 

This debt as reported has always been a violation of FCRA and FDCPA regulations against reporting debts that are not legally supported by the organizing document or enforceable by law. I have always been willing to pay the legitimate portion of my debt and would have been willing to do so without creditor intervention, but XXXX XXXX XXXX has never given me that chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: GA

Complaint narrative:
I sent a letter on XX/XX/XXXX, 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.

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 2020-08-27 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: CL Holdings LLC
State: WI

Complaint narrative:
Recently after reviewing and obtaining a copy of my credit report I discovered that XXXX XXXX ( the original creditor ), reported an account as " Charged Off '' and sold to Jefferson Capital Systems , LLC, transferring a balance of {$1400.00}. The account initial opening date is XX/XX/XXXX tentatively ( transfer date in XXXX ). Despite several disputes filings date ( s ) XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX verbally and written and recently in XXXX requesting debt validation from Jefferson Capital has failed to report any change. XX/XX/XXXX a certified letter was mailed to XXXX XXXX XXXX, a representative listed and collection agent for Jefferson Capital Systems , LLC. requesting removal of the debt, to date no response has been received. Despite my efforts each investigation from the Credit Reporting Agencies has resulted unfavorable and continues to report as " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' I have included proof of certified mailings addressed to the Credit Reporting Agencies ( CRA ). ( see attachments ). According to the FCRA, Section 609 ( a ) ( 1 ) ( A ) required by federal law verification through the original signed consumer contract for all accounts posted on a credit report. ( see attachment ) To date, debt validation has not been satisfied according to the FCRA statue ( s ) my consumer rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.

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 2020-08-27 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: GA

Complaint narrative:
I sent a letter on XXXX XXXX, 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: KEYCORP
State: NY

Complaint narrative:
Today is XX/XX/XXXX. I have a bill due for housing, I thought it would be an easy transfer of funds. I called Keybank at XXXX and asked for the ABA number and my account number to make the transfer. After a 20 minute hold the man who answered said it I wasn't entitled to transfer money unless I signed up for bill pay and gave me the number for a separate bill pay department within Keybank.From XXXX to XXXX I was transferred twice within the bill pay department and told to call the bank I wanted to transfer the money to and see if they could help. Without the ABA number they could not. That call took 5 min ( XXXX XXXX ). At XXXX after trying to sign up online for bill pay and receiving a message to try customer service I tried that number. 
XXXX transferred twice within the department and then given the number I initially called which was on the back of the card, XXXX I was on hold and then told there is a separate department that handles unemployment benefits and that was the key2 benefits department again a number I had tried many times. This time the person offered to walk me through the online system with the same results. The automated system would not let me set up an account. 
He suggested I call the number on the back of my card again but this time chose the option for a lost card as that would get me faster service. I did that, again the agent walked me through the service this time telling me I could not use my name as the user name, nor could I use social security number, birthday -none of this is on the website. It just comes back as a red screen, it does not tell you how to correct the problem. When I told the agent that, I had been using my name, she said ( of course ) this happens all the time. Even with her instructions I was not able to create an account, this time a new message came up INVALID and to call another number. She could not transfer me so I called now an Online Banking department who suggested a take a cash advance, but I can not send cash to my landlord. He redirected me to customer service, the agent there again walked through the key2benefits website and after it did not work she said she would put in a ticket, which would take 48 hours to process and I could try again then. I asked for a ticket number or something I could reference if it did not work after 48 hours. She could not give me a reference number. I asked if I had to call back in 2 days, would the representative have any notes from the last 4 hours I have spent on the phone and she said no they would not. I tried to call a local branch, as did the XXXX XXXX banker but bc of cover they are not answering the phones, it says you can set up an appointment online. When I went online to set up an appointment there were no available times for through XXXX. It is now XXXX, and I have tried for 5 hours to transfer my unemployment funds to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.

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 2020-08-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I XXXX XXXX XXXX On XX/XX/2020. I Closed my Capital One credit card account after Captial One refused to process my credit card monthly payment of {$300.00} that was set up with my XXXX XXXX   checking account causing over {$100.00} in overdraft due to not properly processing my ACH payments to capital one. I requested that the capital one accept my final payment by money order or through XXXX to ensure that my payment is processed. And I had already closed down my capital one account due to their company 's lack of payment processing. On XX/XX/2020, I again contacted Capital One Customer service by phone explaining that I will make the payment if capital one send me a final statement that I could put a money order with and send what I owe to capital one and I would never have to deal with them and they will not have to deal with me never again. instead of helping me to find a solution to this problem Capital One instead is unwilling to help me to make the payment owed by other means other than ACH processing which I will not give them my bank information again. Since I have closed down my Captial one account, Capital one has been falsely reporting misleading information to all three major credit bureaus accusing me of not making or trying to make the final payment of {$300.00} payment weekly since I closed my capital one account on XXXX XX/XX/2020. Please help i just want to make payment and have my credit report corrected and all misleading remarks removed from my credit report that was falsely wrongfully added to all three of my credit report by Capital One. 

Thank you XXXX XXXX XXXX XXXX, Ky

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I haven't been able to access my credit report in two years now. I called last year ( XXXX ) and was told I would be contacted about the problem. That never happened. 
On XX/XX/XXXX I called Equifax as I was trying to temporarily lift my credit freeze to purchase a car. I had no access to the site and was told to call them. The woman said my account was indeed locked and I needed to fax a copy of my SS card, Drivers license with a cover letter with my name, address, telephone # and reason for sending the documents which I did on XX/XX/XXXX to the number given ( Equifax Dispute Department XXXX fax XXXX XXXX XXXX XXXX GA XXXX ) On XX/XX/XXXX after trying to log in and not being contacted the site said to call them again which I did. I was given a case number XXXX and was told I would be contacted via email shortly. 
As of today my account is still locked and I have received no communication from Equifax in any format. They have been given my address, phone # and email multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Spoke with a fraud representative and after completing the issue at hand I advised the representative that XXXX XXXX was reporting incorrect balance, the rep stated its not showing a balance but when I review my Equifax.com it shows a {$79.00} balance which has been paid 30 days ago from this date. Also this account causes my credit use to show over 30 % which reduces my credit score.

Company response to consumer: Closed with explanation