vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was hospitalized with a severe case of XXXX with resulted in me being in a XXXX. During this time I lost my new job and absolutely had no money. During this time capital one has reported me late on my credit report and am not willing to assist me. They want me to make a payment plan but this will still result in me being reported negatively, and no help with deferment of my past due charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am a Federally Protected consumer. XXXX has violated several Federally Protected Consumer rights under FDCPA 15 USC 1692 in an attempt to collect an alleged debt. I initially mailed Bridgecrest a debt validation letter certified which was delivered on XXXX XX/XX/2020. They did not send proper validation. They have called me while in possession of my cease and desist which is a violation of 15 USC 1692c ( C ). I notified Bridgrecrest in writing with a sown affidavit of truth stating the facts and citing each violation line by line which was delivered on XXXX XX/XX/2020. I received a letter from Bridgecrest 3 XXXX threatening to repossess my property. They are conducting unfair debt collection practices. As stated I am the original creditor, natural person and I extend credit to financial institutions. Bridegcrest has failed to provide me adequate information on where the credit comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: OH

Complaint narrative:
I recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). 
The following account is listed below : 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 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 2020-12-11 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was supposed to get {$1000.00} dollars by wells fegro and I didnt receive anything I was scammed and Im struggling through this pandemic please I need it Im in debt

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 2020-12-11 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:
On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the XXXX  data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

Thank you, XXXX 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 2020-12-11 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: GA

Complaint narrative:
On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the Equifax data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: OH

Complaint narrative:
I recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following account is listed below : 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 2020-12-11 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: OH

Complaint narrative:
I recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following account is listed below : 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 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 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
During XX/XX/2020, changed phone companies with a buy out programs offer from XXXX to port over lines. I switched from XXXX to XXXX. I found this debt collection on all,3 of my credit reports, for an amount more than the last bill and payoff amount of XXXX. The double the price on the report XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: WV

Complaint narrative:
I took out a personal loan in 2018. I didn't pay it off due to not being able to work for my health issues. It is being reported on my credit that I owe twice as much as the original loan. I reached out to the creditor and was told that my defaulted loan would continue to accrue interest until paid in full. They wouldn't allow me to make a payment because they said I would need to pay more than I could afford. This loan was for XXXX and I'm being told I owe almost XXXX and it goes up by XXXX a month on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : Capital One # XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ohio XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( 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 This is my number ( XXXX ) XXXX Please Delete Employment Data that does not belong to me : XXXX  on XXXX, University of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a credit card in the mail today that I did not apply for. It has someone else 's name on the card.

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 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
1-The morgtage company ( PPH ) is still expoiting me. 
2-They are now United with home insurance company XX/XX/XXXX to charge me extra. 
3-When I bought the property I have to change, find, and buy the home insurance which lasts for two months. 
4-when finally I bought the insurance the insurance company did not summit to the mortgage ( PPH ) company on time as it supposed to do until the next pay cicle or one year. 
5-So the mortgage company charging me a penalty of {$87.00} dollars for that two months until now. 
6-In XXXX I got a letter from PPH stating that I do not have home insurance that I bought from XX/XX/XXXXtwo month after I bought the property. 
7-I called my home insurance company and told them about the issue. 
8-The clerk told me she will call the pph to figure out. 
9-Then she called me back saying that insurance company has not submitted my insurance to pph on time. 
10-she told me I have to pay her {$95.00} dollars to fix it and told me the mortgage company will refund me the extra money they are charging me all the year. 
11-I waited and waited the refund she promised me.Finally I called her to check about the refund she told me from pph. 
12-in the mean time I received a letter from pph stating that there is a deficit in my escrow of $ XXXX. 
13-I called the lady of travelers and told her about the letter. 
14-she seemd has been surprised and told me I was supposed to get refund from pph of one year extra charge they were charging me, instead. 
15-to me or to other sane people feel as a coordinated exploitation of a consumer. 
16-I am just saying no Mortgage and insurance company XX/XX/XXXX.I am not saying not to pay state taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citi credit card set to auto pay from XXXX, the Citi bill is due on XX/XX/XXXX. On XXXX Citi processed the autopay for the full statement balance. XXXX declined the auto pay and sent me and email of the issue all on XXXX. On XXXX I made an internal transfer at XXXX. 
On XXXX I went to the Citi digital site and attempted to pay the Citi statement balance. I received an error that I could not make a payment greater than 12.5 % of my current balance. I then called Citi client support who then told me nothing to be done I had to wait 2 business days at which time the payment would show declined. Two business days moves the date to end of business on XXXX. 
On XXXX I log into XXXX and I show the payment has been automatically re-processed by ACH. 1 day to clear ACH Citi has the money on XXXX. 
XX/XX/XXXX Citi card still being declined and now I have a statement showing late fees and interest although my Citi statement and on-line site still shows the payment made and I am under my credit limit by 30 %. 
XX/XX/XXXX I start on-line chat with customer support they tell me they are unable to assist I must call in. I call in, talk with supervisor, said nothing to be done, they have put a hold on the payment until XX/XX/XXXX although they have had the funds since XXXX. Meanwhile they are charging me a fee for being over my credit limit although according to my statement and the on-line site I am well under my limit, not to mention Citi actually has all of the money. Now all automatic payments are being rejected which requires me to manage each one of the auto pay accounts. Keep in mind the Citi bill was not due until XX/XX/XXXX. The Citi support agent recognized the issue, asked if I could get XXXX on the phone with him to verify the money had in fact been debited from the XXXX account. I said yes we could do that, he then went to his internal Citi group that could release the hold on the account and they told him they would not. He was left with no option other than to apologize for Citi. 
To recap, tried to pay the bill early and couldn't but still paid on time. In the end hit with a {$29.00} fee from Citi. The Citi system creates an issue where even if you identify a problem early, neither Citi employees or myself could do nothing to stop the system from abusing a consumer. 
Although I have the means in which to manage these types of problems, I can only imagine that many do not, especially during a pandemic.

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 2020-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: MI

Complaint narrative:
I got a loan of XXXX I was told by my bank or cleared. Never received a letter of phone till a year and half later from a company called American they didn't tell me their name when they called after doing some research I found their name. Tgey refuse to accept payment says they are suing me. When I ask their address they refuse to tell me and hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates calls multiple times a day, every day, even on weekends. They from call from different numbers that appear as local and long distance calls. In 2 months theyve used well over 50 different numbers so far. 

Ive told them twice now to stop calling. 

I even requested validation of the so called debt. They have been unable to provide validation ( other than my name being on the account ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 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: NJ

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-11 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: NJ

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I called Carrington Mortgage Services, CMS, : Explained I wanted to change my Homeowners Ins. Co. as current company was due to renew end of XXXX. CMS already made payment to that company. I was instructed to contact co. for a refund and mail a check back to CMS to put back in escrow. I was instructed escrow payments must be sent by paper check and clearly marked escrow only, which I did on the face of check double underscored on top and escrow only in memo on check bottom. CMS advised to send check for amount that will be paid to " new '' ins. co. {$1100.00}. Please know I sent amount instructed by Cst. service. I send escrow check in the amt. of {$1100.00}, it was mailed on XX/XX/XXXX cleared bank on XX/XX/XXXX, I thought all was good. I checked my mortgage after the XX/XX/XXXX payment had slightly decreased to {$490.00}. My account page listed new payment amount of {$680.00} to commence on XX/XX/XXXX ( also stated on escrow analysis dated XX/XX/XXXX ). I was confused and called CMS at which time I became aware of negative escrow Balance : XXXX {$1100.00} ) On XX/XX/XXXX I started investigating my account payment history showed these payments made to CMS for principal on same day escrow check cleared my account ( XX/XX/XXXX ) in addition to XX/XX/XXXX reg. auto debit cleared {$520.00} then on XX/XX/XXXX the following payments were listed {$15.00} fee, {$66.00} curtailment, {$520.00} funds received, {$540.00} funds received. I requested a review and correction I was told another escrow analysis would need to done. But to my surprise on XX/XX/XXXX a draft came through on my checking account for {$680.00} a {$160.00} increase from my regular mortgage payment of {$520.00}. I never received communication from CMS of the increased amount to take effect in XX/XX/XXXX. I called CMS and explained there was an error on their part and I immediately went to bank to stop payment amount. I also stopped automatic debit on XX/XX/XXXX as the {$680.00} was taken from my account on XX/XX/XXXX causing two overdrafts. The money came back to my account on XX/XX/XXXX. I put stop payment on CMS. Meanwhile b4 the money returned ; I pleaded they send back the amount they used for another forced curtailment payment in the amount of {$130.00} and they refused. Then on XX/XX/XXXX they tried again to auto debit my account for {$540.00}. I can show where the actually took the {$680.00} and applied it to payment, forced curtailment and a late fee of {$19.00}? ( btw when they rec 'd the escrow check I saw where they charged me a late fee there again {$19.00}? ) Nothing was ever paid late. On XX/XX/XXXX I mailed a check in the amount of my payment of {$520.00} to make sure I stay current on time.

Company response to consumer: Closed with explanation