vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have a auto loan with Ally Bank. My auto payment ( contractually agreed upon at time of leasing in XX/XX/XXXX ) was increased by {$3.00} per month with no reason given by Ally some time in XX/XX/XXXX. I was never informed. Months later, once it accumulated to {$27.00}, I began receiving calls incessantly from Ally and did understand why. I finally spoke to a representative and they explained that my account was delinquent and past due {$27.00} which would be reported to the credit bureau and adversely impact my credit if I did not pay right away. I was furious as I pay {$280.00} automatically on time every month. I asked the Ally representative to simply take the payment over the phone and they told me I could not. I asked them to just take it out of my auto payment ... they told me they could not. I asked them to push balance month to month so that the additional charge would be paid in my lats auto payment. They said they could not do that. They told me to go online and log in and change my auto payment. I have tried SEVERAL times and can not do this online. I finally gave up and made a manual payment online on XX/XX/XXXX in the  amount of {$27.00} in addition to my auto payment. Since I can not log on monthly to pay {$3.00} so that my account is not delinquent, I am collecting a late fee of {$4.00} every month in addition. I am certain I am not the only one they are running this scheme on ... What they are doing this is making it inconvenient for me to pay an arbitrary, nominal increase to my loan which results in a late fee. They are making {$7.00} off of me monthly and I have no control. They are counting on me to not log on every month to pay {$3.00}. I don't know how this practice is legal. I still do not know why my monthly was increased by this amount. I have written emails and I have left messages, I have threatened to sue and no response. Please help me stop this!

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 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
On Sunday XX/XX/2019, an unknown person who did not identify themselves rang the doorbell at our home. After repeated ringing, this unknown person suddenly started loudly pounding on our front door for a period of two minutes. This action startled my wife as she thought our home was being broken into. When she opened the door, she was told to give me a summons for the Superior Court of California , County of XXXX. The plaintiff is XXXX XXXX with legal representation by Zwicker & Associates, XXXX ( XXXX XXXX XXXX CA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX CA # XXXX ), phone number XXXX. The amount of the outstanding debt was {$14000.00}. 

A settlement with XXXX XXXX/Zwicker & Associates was reached in XX/XX/2019 between Zwicker and XXXX XXXX XXXX with a payment being sent by my power of attorney XXXX XXXX XXXX on XX/XX/2019 in the amount of {$10000.00}. 

Given it is XX/XX/2019 and the settlement was reached almost 25 days ago, Zwicker & Associates had a professional and legal responsibility to inform the Superior Court of California to withdraw the summons in a reasonable and timely fashion. Due to their lack of informing the Court, my wife was put in a stressful and dangerous situation that has caused her emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint narrative:
I will try to be exact, but brief. 

I have dealt with XXXX XXXX for a long time. I have been in school or unemployed a long time. This year ( XX/XX/XXXX ) I was worse off than ever before. I had my electricity shut off, and was getting less income than in the past. In the past ( pre-XX/XX/XXXX ), I had a $ XXXX/month payment due to my situation. Yet this year ( XX/XX/XXXX ) I was expected to make ~20usd payment every month. Not awful, but didn't seem to reflect my financial situation in any way. I was worse off this year than in the past, and in the past made {$0.00} payments, so why did this year change? 

They kept asking me for IDR paperwork. I would submit it. They would wait roughly a month, then kick it back to me saying it wasn't correct, and to re-submit. I would re-submit the same thing because it WAS correct. This happened several times. 
I moved in XX/XX/XXXX, and changed my address. Yet they persist to this day, sending letter to my old address. Which adds more time. They send it overseas, it takes 2 weeks to get here, then it's routed to my old address, then re-routed to me. I have tried asking about the account mailing address, but they do no answer about this either. It's correct on the online profile, so I don't know why they keep sending it to my old address. 

Eventually they accepted my IDR. But not after several MONTHS had gone by. With me trying to get them to explain this. Why is this being rejected? It's correct paperwork. Of course I was tacked on to thousands of dollars in fees and late payment stuff etc. 

After finally having the IDR recalculated, and the demand for XXXXusd/month, I asked them why I had to pay anything if I had not had to in the past based on my income. If my income was worse, to the point I had my power shut off here. No reply. 
I repeatedly tried to get someone to look at it, or explain it, or explain why it was rejected originally, or to have these fees removed or addressed by them. No answer. 

After waiting for months, and asking repeatedly for help, and recieving none, I finally made a payment out of fear of defaulting, based on the increasingly aggressive auto-generated account letters they were sending. 

A month later, even though I had made a payment, they claim I have defaulted on my loan. 

I don't understand why, so of course I wrote them. No response in a month now. 
I would not have defaulted if I had gotten even a semblance of any kind of support or help in the last 9 months of trying to get anything on the account serviced. 

From my perspective, they have made the entire process a closed box. I can not get help. Period. It's like screaming into the wind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This complaint is based on violations of the FCRA, the FDCPA On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by Resurgent capital claiming they purchased a debt from XXXX  XXXX. I was never aware of this account and had no opportunity to dispute the debt prior to this period. 


___ On XX/XX/2018, I mailed to RESURGENT CAPITAL a demand letter pursuant to XXXX Chapter 93A and a request for validation of debt. I requested all of the required materials under FLORIDA. law 940 CMR 7.08 ( 2 ) and 209 CMR 18.18 ( 3 ). These materials include ( a ) all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected, and ( b ) a complete transaction history which reflects the date and amount of payments, balances, and charges concerning the debt. My letter also included the very same form letter provided on the website of the CFPB for consumers to request validation of an alleged debt. 

XXXX On XX/XX/2018, resurgent CAPITAL received my letter via certified mail. 

___ At no time did they validate the debt by providing the required materials under Massachusetts law, nor did they provide the answers and documents as prescribed by the form letter issued from the website of the CFPB. 

___ I disputed the account thru the credit reporting agencies. My dispute included that ( a ) I had no knowledge of the account and ( b ) that resurgent capital failed to validate the debt as required by [ florida LAW ] and the Consumer Financial Protection Bureau. 

___ Between the dates of XX/XX/2018 XXXX, I received the results of the investigations from the credit reporting agencies, where XXXX had falsely verified the account, despite their failure to validate the debt as required by FLORIDA law and the FDCPA. 

CFPB Complaint Resurgent capital failed to validate the debt as required by state and federal law can only be construed that they do not possess the required materials to support its claims that they are owed this debt, including the accuracy thereof. 

I do not have a signed contract nor any contract with this company. Iam not liable for the collection from this debt from XXXX XXXX XXXX or resurgent capital. Iam not responsible for debt and this debt  needs to be removed from my all credit reports. 

I WANT THIS REMOVED FROM ALL CREDIT REPORTS. 
THIS COMPANY IS REPORTING FALSE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. 

For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/2010, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: FL

Complaint narrative:
In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to XXXX XXXX XXXX. I am also XXXX and was wrongfully terminated in XX/XX/XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of XXXX in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. XXXX XXXX informed me that in order for the Cease and Desist to be honored, they would have to be subpoenaed. This is contrary to the laws in Florida. She also send me an official document to complete that indicated I did not originate the loan. I never said I didn't originate the loan and refused to complete the documentation. Instead of providing these accommodations, XXXX XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded that my charges were based on " unspecified laws ''. I have been contacted by XXXX XXXX XXXX at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. XXXX XXXX XXXX has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am critically ill and may not live for another year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to XXXX XXXX  XXXX. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. XXXX XXXX informed me that in order for the Cease and Desist to be honored, they would have to be subpoenaed. This is contrary to the laws in Florida. She also send me an official document to complete that indicated I did not originate the loan. I never said I didn't originate the loan and refused to complete the documentation. Instead of providing these accommodations, XXXX  XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded that my charges were based on " unspecified laws ''. I have been contacted by XXXX XXXXXXXX XXXX at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. XXXX  XXXX XXXX has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX  and XXXX XXXX XXXX for another year.

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 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Ocwen. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. Instead of providing these accommodations, XXXX  XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded by sending me a loan modification via express mail that had conditions that I could not refuse the package. I have been contacted by Ocwen at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least five times. Ocwen a has reported me as delinquent to the credit reporting agencies and ruined my credit. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Citi. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership and was ignored. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. I have been contacted by Citi at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. When they were unable to attack my credit any longer, they turned to my daughter 's who was an authorized user and added when she was XXXX years old. I spoke to two Client Specialists who removed her from the credit cards. However, when I asked if they were going to report her as not delinquent to the credit reporting agencies, they told they would investigate. Citi has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX and may not XXXX for another year.

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 2019-02-25 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:
I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/2010, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.

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 2019-02-25 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: CA

Complaint narrative:
I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XX/XX/XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.

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