vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been enrolled in Autopay and the minimum payment that was due this XXXX was not taken out on XX/XX/2020 like Capital One was supposed to and so I was wrongly charged a past due fee of {$28.00} on XX/XX/2020 to my Capital One Walmart Rewards credit card. They say it is because I had cancelled my payment. On XX/XX/2020 I had made changes to my account where I had first cancelled my minimum payment so that I could make a higher payment for XXXX. However, that same day I changed my mind and decided to cancel the higher payment so that only the minimum payment would be taken out for bill due XXXX. That was the last change I made. I never cancelled my Autopay. Furthermore, on my Capital One account it states that when enrolled on Autopay they will debit my AutoPay Bank Account on my due date even if I make other payments so it should have been taken out on time. I have spoke to several representatives including two account managers with Capital One and they are refusing to refund or waive the {$28.00} late fee that I was wrongly charged. The representative stated it is because it was modified so it would have not been taken out until the next billing cycle. However, XX/XX/XXXX was the last time I had made a change and it was to cancel the higher payment. That should be enough time for the autopay to take effect and the change I made should not have effected the minimum payment that should have been taken out XX/XX/2020. In addition, after first speaking to a representative on the phone who was unable to resolve the issue I decided to write online to a representative to explain this and the representative was not only unable to assist me they responded to me with exclamation marks " I am not able to remove the late fee! " ... " It can not be fixed! '' and as I was still typing another response to them this representative quickly ended my chat session before I was able to send it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Since when does a bank need to justify stealing? 
I received a letter in this evenings mail, stating account ending in XXXX is still overdrawn, will be closed and charged off. 
I have already filed a complaint against Chase covering the above information in regards to them trying to take money twice using the same transaction ID. 
I have been in contact with their Executive Office, they admitted error ( XX/XX/XXXX ), but nothing to date has been refunded accordingly, nor have they updated me on progress. 

This is the 5th or 6th filing ... I will keep filing, since they keep harassing me via messing with my other accounts, sending bogus letters and threatening phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I tried to use my American Express and they said that I didn't pay the Annual Fee but I was not aware of it. Please allow me to pay the Annual Fee and reinstate the account. I can not afford to lose access to his card because my business took a hit because of COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
GC Services has been charged with collecting a ticket debt of mine issued by the XXXX XXXX XXXX XXXX  in XXXX XXXX, CA. I had a fix it ticket in XXXX of XXXX, which I responded to by sending in proof of insurance. The courts claimed to have never received the paperwork and put the ticket into collections. I found out when receiving a mailing in early XX/XX/XXXX that had been forwarded from my old address to my current home. The original mailing was dated XX/XX/XXXX. I called the courts first and they told me that since the account had been handed over to GC services, they were the only people who could accept payment for my ticket. Because of the delay in the mail forwarding, my license has been suspended and I am not legally allowed to drive. I was supposed to receive testing for XXXX  due to my symptoms and could not get to the doctors appointment, not wanting to endanger the life of a rideshare driver. I have called GC services three times. Each time, I have been on hold for more than an hour waiting to speak to apparently the only people in the world who have the power to un-suspend my license. One time the call went as long as an hour and twenty two minutes. At the end of all three attempts, after hearing hold track that repeatedly said " someone will be with you shortly '' The call got hung up. They aren't doing their jobs, but the government has still given them sole power to release people 's drivers licenses? This disgusts me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
I requested the mortgage forebearance protection afforded me under the CARES act from my servicer : homeloanserv XXXX XXXX XXXX XXXX XXXX ID XXXX. I was told by both XXXX and XXXX that under FHA guidelines I am only entitled to 90 days of forebearance and that I will have to call them every 30 days to maintain the program. They have both also told me I am not eligible for modification and will have to make a lump payment after the 90 days. Both of them insisted this was government guidance but offered no official documentation. XXXX claimed the cares act has been changed and we are now only entitled to 90 days. Their supervisor, XXXX, has yet to return my calls. The stated employees also asked me if I was sick. I'm not sure why I would have to disclose my protected information just for some relief. Please help stop these predatory practices. Homeloanserv is attempting to force me into an agreement I do not want in an attempt to have me default my mortgage and foreclose on my house.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CA

Complaint narrative:
CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX Unfortunately the CFPB platform does not allow to send a resply message. I received your response but you could have attached a phone number so I could contact you directly. 

I understand you have given me the money on goodwill basis but I didnt ask for goodwill money. I wanted to have the money coming out from XXXX XXXX pocket and not from AMEX pocket. 

That brings me to the next point which is you mentioned It is important to note that although credit was issued, your dispute was handled correctly according to all applicable consumer credit laws and policies. Unfortunately the dispute was not handled correctly. The dispute went to merchants favor based on law of torts. But the dispute was based on contract law and not law of torts. 

Do you have ACTUAL lawyers working in your back end disputes department? Doesnt look like it. 

Anyway, the reason for this new complaint is NOT TO LODGE COMPLAINT but basically to get a phone number I can talk to about the previous complaint. I had no other means to contact you. Because your regular front line customer care number, they dont know nothing about it. They always say its handled by some back end team ( who I guess are scared to come front or just not bothered to talk to the customer directly ). I wish they spoke to me, then I could teach them the difference between tort law, consumer law and contract law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My wife obtained a Capital one XXXX  credit card. After using it for about 3 months, she wanted my to use the card when shopping. She then ordered a card with my name.The account is under her name and ss number. SHE PAYS ALL OF OUR BILLS WITH THIS CARD. I have never signed and agreement with Capital one. I have called capital one and spoke with a supervisor, and asked why this card is on my credit report? I have gotten two different answers. First I was told that I agreed to that when I got the card a total lie. Next I was told that it was the credit reporting agencies, another lie. I do not want that card on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I had been a member of PayPal for over 5 years. I had to close my account because of payments that was sent from my bank ( XXXX XXXX XXXX XXXX XXXX not being process. Now I am trying to pay the balance due, and for some reason paypal is not crediting my account or accepting payments from my bank at times. I used the same bank account with my PayPal account that I used with synchrony banking which is listed on PayPal site. A payment of {$40.00} was initially accepted on the site and then returned on the same day. Synchrony banking stated that the bank account was wrong. I told them that the account on the site was the same account that I had used for paypal. I asked synchrony banking why did the one time payment go through? I used the same bank account, for both transactions and when I authorized payments I checked the listed with the same bank information. If you look at exhibit 1 The bank account no is XXXX, and then exhibit 3 the bank no is XXXX. My complete bank account no. is XXXX. I used my online bank XXXX XXXX  XXXX XXXX XXXX for my XXXX back up and for some reason, the money did not come out of my account {$41.00} for the XX/XX/XXXX. Exhibit 6. Paypal and my bank failed me, and now I owe over a {$100.00} more and my payment went from {$28.00} a month to {$78.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 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: ORG GC GP BUYER, LLC
State: AL

Complaint narrative:
Creditors are not reporting correct information to XXXX, XXXX, XXXX. On XX/XX/2020 I contact GC Services Limited Partnership via telephone ( XXXX ) in reference to a correspondence received deliver to my mailbox offering a settlement to resolve my XXXX XXXX XXXX XXXX Account. The offer was accepted and the payment was made to fully resolve the account. I immediately request proof of payment, as well as, proof that the account was settled in full. They requested I send a email to request the verification that the account was fully settled. On XX/XX/2020, I received a call from their unit manager requesting a fax # for them to fax the proof of resolution. She stated the information would be reported to the the credit reporting agency and updated by end of month XX/XX/2020. As of date XX/XX/2020, the negative information is still showing on ALL 3 credit bureaus and has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: AR

Complaint narrative:
Do not recognize charges on all of the following accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, XXXX, Equifax, and XXXX  all REMOVE any and all fraud alerts and statements from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, XXXX, XXXX, and Experian all REMOVE any and all fraud alerts and statements from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 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: AES/PHEAA
State: TX

Complaint narrative:
My account was placed in a forbearance during the time that Fedloan Servicing reported late payments in XX/XX/2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in XX/XX/2017specifically, XXXX, XXXX, XXXX, andXX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CO

Complaint narrative:
On XX/XX/2020, I sent an envelope via certified mail to Experian containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2.  The USPS.coms page https : XXXX  shows that my letter was delivered on XX/XX/2020 at XXXX. Even though it was received on the XXXX, Experian stamped the certified mail receipt as received on XX/XX/2020 ( please see attached ). Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Experian regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Experian provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Experian has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Experian received my Affidavit on XX/XX/2020. In addition, XXXX XXXX XXXX XXXX is listed as a creditor on my credit report. I have written correspondence from this court ( see attached ) that they do not report to credit agencies ( please see attached ). Since this court would be the legitimate and sole owner of any alleged bankruptcy court proceeding information and therefore, the only organization capable of legally and accurately verifying an alleged debt of this nature, my correspondence from this court is proof that Experian did not properly verify the information and/or they purposely fabricated their investigation results to continue to cause me personal and financial harm. I demand that Experian immediately delete any and all reports of these 2 dismissed bankruptcies from my credit reports.

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 2020-04-14 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Creditors are not reporting correct information to XXXX, XXXX, XXXX. On XX/XX/2020 I contact XXXX XXXX XXXX XXXX via telephone ( XXXX ) in reference to a correspondence received deliver to my mailbox offering a settlement to resolve my Citibank CBNA Best Buy Account. The offer was accepted and the payment was made to fully resolve the account. I immediately request proof of payment, as well as, proof that the account was settled in full. They requested I send a email to request the verification that the account was fully settled. On XX/XX/2020, I received a call from their unit manager requesting a fax # for them to fax the proof of resolution. She stated the information would be reported to the the credit reporting agency and updated by end of month XX/XX/2020. As of date XX/XX/2020, the negative information is still showing on ALL 3 credit bureaus and has been disputed.

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