vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: OH

Complaint narrative:
I became the POA for all medical and financial matters due to my XXXXyear old mother 's XXXX  XXXX XXXX diagnosis. 

My mother has a checking account, credit cards, and a HELOC with Key Bank. In XXXX, I brought my POA paperwork to her Key Branch and was told that their Legal department would review the documentation. I was only given access to her checking account. 

Nevertheless, when I sold her home in XXXX and sent the payoff and POA documents, with the request to close the HELOC documentation, I was never informed the HELOC was not closed. My mother and sister went to a branch near her XXXX XXXX XXXX and was told the HELOC was not closed and that they needed to pay an additional fee to close the HELOC. In XXXX, she signed the documents presented at the branch and paid the fee. We have never received the documents indicating the HELOC is closed. 

When she applied for a credit card she was denied due to an open HELOC last week. That is how we found out Key Bank has still not completed this required step. 

Now she is being charged a service fee on her checking account that she has never had to pay. Why is Key Bank treating elderly customer this way?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I have a derogatory entry from XXXX on my account. XXXX changed the terms of my agreement after I had signed up online and used this as a basis to auto-charge me far more than I had originally agreed upon. I can't remember specific numbers, but I agreed to pay around $ XXXX/mo and they charged me about {$300.00}. It was in early XXXX, a good year before the entry appeared on my credit report in XXXX XXXX. 

At the time I attempted to work with their phone support and they threatened to report to the state that I hadn't had insurance for the last month that I was asking for a refund for, which would have caused me issues with my car 's registration and would have messed with the rate provided by a new insurance company. This was a month that they had already agreed to provide insurance for under a different rate, so they had no grounds to make these absurd statements off of. 

I didn't want or ask for a full refund, I just wanted a refund for the difference between what I owed and what they charged. Since they both didn't offer a refund of the amount that they had stolen from my account and were threatening me in an attempt to extort money I went the alternate route of requesting a chargeback from my bank. In retaliation they inappropriately reported a derogatory claim on my credit account when I did that. They have reported to XXXX  that I owed them an amount far in excess of the amount agreed upon because they decided after I signed up to change the terms of our deal. 

They never had authorization to take the money that they took from my account and when I tried to work with them at the time I was met with threats and flat-out lies. I was unable to resolve the issue while directly contacting the company. 

This XXXX  and any other related credit report entries need to be removed as soon as possible. The debt they are claiming I owe them is not legitimate. They are committing libel at this point and them putting this on my credit report amounts to extortion. 

The debt is currently owned by Credit Collection Services, https : //www.ccsusa.com/ and is being reported by XXXX. I have disputed the entry with XXXX  unsuccessfully.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CURO Intermediate Holdings
State: VA

Complaint narrative:
On XXXX XXXX, 2020, AD ASTRA RECOVERY SERVIC add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AD ASTRA RECOVERY SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi, I see a hard inquiry on my account that I did not do nor recognize from CAPITAL ONE BANK XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company 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 2020-12-09 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: World Omni Financial Corp.
State: SC

Complaint narrative:
I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: FL

Complaint narrative:
Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Source Receivables Management LLC
State: CA

Complaint narrative:
I have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to 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 2020-12-09 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX

Company 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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory marks on my credit reports per XXXX, XXXX XXXXnd XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: FL

Complaint narrative:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Northland Healthcare Alliance
State: OH

Complaint narrative:
I have XXXX and have a representative payee service. The payee service is conducted through a public sector mental health agency called Recovery Resources. We are in XXXX, Ohio. The representative payee service is called XXXX. The objective of the company is to allocate weekly pay from monthly XXXX payments from Social Security. 

I normally get around {$76.00} per week. Today, I only received {$14.00} and last month I received {$73.00}. I also suspect that every week there has been a different pay amount. This was vastly different enough to notice clearly, this morning as about {$58.00} is missing from the payment. 

So, I would like someone to check if the payments have been unfair as I know that social security payments fluctuate somewhat, based on month-to-month. Secondly, what can be done about the missing money for this week? 

To include dates, the {$14.00} too-low amount was deposited today on XX/XX/20. Last week, {$73.00} was deposited on XX/XX/20. Other dates I do not seem to have record of. 

XXXX is the employee at Recovery Resources who establishes the money through XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX of 2020 I refinanced my home with chase bank with a escrow. In XX/XX/2020 I got a bill from XXXX County Property Tax department saying I did not pay my 2nd tax bill for 2020. I called the bank and asked them why they did not pay my property tax. They looked at my account and said the money was there and they dont know why it wasnt paid and theyd look into but the deadline for the bill was in 5 days and they said it will be weeks before they look into the reason and pay it. They said we can pay it and they will reimburse me. Now Im having trouble getting them to reimburse me in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: LTD Financial Services, L.P.
State: VA

Complaint narrative:
On XXXX XXXX, 2020, LTD ACQUISITIONS LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LTD ACQUISITIONS LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: FL

Complaint narrative:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2020-12-09 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: FL

Complaint narrative:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Possible Financial Inc
State: CA

Complaint narrative:
Ive previously disputed this account information on my credit report to have Possible Finance send a validation of the debt of which they show is owed is theyve failed to send. All they sent was a letter of alleged charges of which they stated was owed which is not proper documentation of debt validation. Attached to this complaint will be the validation letter of which I send and am asking for documentation which will show theyve failed to send. Theyre also reporting XXXX different account numbers to all 3 credit bureaus which is a violation for which the account numbers has to be the same across the board for the credit bureaus as well as reporting different addresses for the account making it seem as if its 3 different accounts. Documentation will be attached as well. To add theyre reporting different payment history on all XXXX which is unprofessional and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Date : XX/XX/2020 Amount : I have about {$40000.00} in my saving account at the Fifth Third Bank I need to have a recent statement of my saving account for my application for refinance. However, 53 only provided me statements up to XX/XX/2020, which is too old for my refinance application. I contacted 53 requesting the statement for a recent month but was told that the statement will only be generated every three months, and the next statement I will receive will be end of XX/XX/2020. This will impact my refinance application- the rate is being locked only for 30 days since middle XXXX, and I need this statement as document for my refinance application. Without the statement for my saving, I may not be able to get my refinance approved and receive damage financially. It is frustrating that with more than $ XXXX in my saving, I can not even get a statement. Please investigate 53.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that XXXX XXXX had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted XXXX XXXX about the issue. The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as Transunion, XXXX & XXXX  authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted XXXX XXXX to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a XXXX XXXX Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted XXXX XXXX and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the XXXX XXXX address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe XXXX XXXX is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.

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