vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: IN

Complaint narrative:
( 103 true Identity theft ) XXXX  File XXXX XXXX  Report Confirmation:XXXX Experian Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT NAME : DPT ED/XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 12 XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX ) Account # : XXXX IVE BEEN TRYING TO REACH OUT TO XXXX  Experian XXXX  BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!

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 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In 2019 I had an account with XXXX at my old address of XXXX XXXX XXXX XXXX # XXXX. I moved overseas, and called to cancel my account. XXXX assured me the account was closed, but no one showed up to collect the equipment. Someone from their office using the phone number XXXX told me I was still being billed, and the billing wouldn't stop until the equipment was collected. XXXX came, and picked up the equipment and then sent the account to collections for the total of {$470.00}. I just received this collcection notice this past week. Ive included screenshots of the conversation for reference.The XXXX rep is in the gray text box.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I have had American Express Delta Sky Miles for a while. I have the full balance once. I pay within in the 30 days and never have has anything reported. During this pandemic, I have paid XXXX and XXXX. I thought that the only payment I had left was XXXX. I call on XX/XX/XXXX to ask about a deferral due to reduction of income during COVID19. I was told on XX/XX/XXXX that evening, By the way, the representative I was talking to said they would transfer me to the hardship department and they disconnected me. So I had to call about and wait another 50 something minutes. I wrote down what they said they could offer me. My notes said they would freeze my account until XX/XX/XXXX. After that, I received a letter stating that my credit card was cancelled. My payments are due on the XXXX. I have proof to show I made a payment. Then I received a letter stating that if I had the account deleted from reports, they would no longer report it late. I assumed that they realized that they had went back on their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ON XX/XX/XXXX, I CALLED ALLY BANK REGARDING A FOREBEARANCE FOR MY HOME MORTGAGE LOAN. THE AGENT READ TO THAT I COULD HAVE 180 DAY FOREBEARANCE UNDER THE CARES ACT. HOWEVER, ALLY WAS ONLY GOING TO OFFER ME 120 DAY FOREBEARANCE AND SHE DID NOT KNOW WHY. HOW IS ALLY ABLE TO VARY FROM THE LAW OR AM I NOT UNDERSTANDING?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a dispute I the bureau and to date they have nor opened up an investigation nor have they responded to my previous complaint I filed about this involving my reports. My dispute was received by them on XX/XX/2020. Here is the USPS tracking for it confirming its delivery : 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 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I contacted credit bureaus in regards to a debt appearing as a collection on my credit report I asked that the debt be validated and verified as I had no knowledge of the debt I never received a validation or verification yet item continues to report on my credit file ... .I they finally was able to find a email address on line for the collection company and reached out to them still no validation or verification I was a week away for closing on my home and really needed to settle this debt to close do I tried to settle the best with a payment and police report to prove my identity was stolen several years ago still no response from the collection company XXXX  XXXX XXXX ( PRM ) or the credit bureaus Please note I have not used the name XXXX XXXX since 2016 after receiving a legal name change the collection account shows the name 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 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
After several bill mishaps that resulted in credits, I decided to purchase some items ar Kohl 's. As it sometimes happens, several items were returned and a credit was issued, which was then used on replacement items. After the replacement items were purchased, I assumed that the credit had covered the cost of the new items. This was not the case and I was unaware that I owed {$1.00} after my purchases were made at the Kohl 's in XXXX, NH. I never made me aware of the fact that I owed this paltry amount, until XXXX notified me that my credit score had been reduced by 60 points. 

I contacted Kohl 's immediately to pay the outstanding balance and inquired as to why I was never informed of this balance. That question led to them informing me that I couldn't resolve the case directly with customer service ; I would have to submit a formal complaint to Kohl 's for their internal team to investigate. Upon the completion of the internal audit, Kohl 's decided that I was ultimately at fault for a bill that I never received via email. 

I was also told that they couldn't change the verdict because " Updating the information as you have requested will create an inaccurate representation of the status of your account with us. The integrity of the credit reporting system relies on the validity of the information furnished ; therefore, we are unable to comply with your request to update this information with the credit reporting agencies. '' There is no issue with my payment record with Kohl 's prior to this measly amount that I didn't know about and I made a payment as soon as I was aware that there was a balance. I also find it absolutely ridiculous that during a global pandemic, where people are losing their jobs or being furloughed, that Kohl 's is holding my credit hostage over such a ridiculously small amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor's Collection Service, Inc.
State: NY

Complaint narrative:
CREDITOR COLL SVC has posted unknown medical bills to my credit report more than 12 times for the same {$80.00} medical fee as well as an {$110.00} dollar open balance all posted on XX/XX/2017. This balance has since been resolved

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 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
I have ask for deferment due to pandemic. I have no source of income. I can't qualify for unemployment due to both XXXX XXXX   during the base period that they are providing for PUA, and I'm not receiving a stimulus yet. I had to amend taxes to qualify, due to this scenarios. I asked for deferment till restaurants open up. they comment was denied and offering a payment plan. Yet I have no income to commit to a payment plan. I have a job on hold. I'm wanting them to understanding wouldn't of bought car knowing I was being shut down. I need them to offer the consumer deferments under these circumstances and it being a Federal Actions of our state preventing me from meeting my obligations. I never would of done this financial if I had know this. I don't want a repo on my record and I have already paid over 1k in money towards this. Ill be out a job ability to buy another car with repo and out money rendered. 
Bridgecrest/XXXX  the lender Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Several weeks ago, I was using my wells fargo online account when it said we could click on an offer to stop the next three payments for the mortgage due to coronavirus, if we had issues. Since my daughter moved back in, and with other problems I clicked on the offer. The offer said that the payments would be added to the end of the loan and there would be no application or anything else I needed to do. Then, my wells fargo mortgage account was cut off from making any payments while online banking. I did not think much of it and moved on. 
Then, wells fargo sent me a letter where it states clearly that the payments are to be put on the back of the loan and if I needed more assistance, which I did not, I could apply for a modification. At the bottom of the letter, in fine print, it said that these payments were due at the end of the three months, and missing the lump sum payment would result in foreclosure. I was shocked, and couldn't believe they would do this. This was not what was said when I clicked on offer they put on my wells fargo account. 
I immediately called wells fargo and waited over an hour to talk to an agent. She said she did not know anything over the letter, and that I would have to talk to the mortgage department. I waited 45 minutes to no avail. I could never get the time to wait the hours necessary to get a hold of the mortgage department over this issue, and the banks were closed and not willing to handle the issue through the drive-thru service. 
I tried to make a payment but could not as the account was locked from making any payments due to the offer I accepted, even though wells fargo encouraged me to make a payment if I could in the letter it sent to my house over the forbearance payments. I could no longer make payments since my account was frozen, and I would go in foreclosure if I could not make a payment. 
Wells fargo tricked me into accepting an offer that would have put me in foreclosure, so they could profit from a government program. They locked me out from making payments knowing that they would file foreclosure if I did not make the payment, and made it impossible to get an explanation. This was misleading and possibly dangerous practice conducted by wells fargo and stopped me fulfilling my obligations. This was not advertised in the original offer, and the fine print stated different facts than the rest of the letter. 
By cutting me of from making payments I was put in danger of foreclosure. By selling me on false hope, I was put in danger of foreclosure. This was a fraudulent game wells fargo used to collect government money and not help the people they were supposed to help.

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 2020-04-23 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: FL

Complaint narrative:
In XX/XX/2019, I discovered errors on my credit report that was furnished by your company CREDIT COLLECTION SERV / CCs. I disputed this erroneous information directly with the Credit Reporting Bureau. CREDIT COLLECTION SERV / CCs then informed the Credit Reporting Agency that it 1 ) conducted an investigation and 2 ) the information reported regarding me is correct as reported. On XX/XX/2019, I mailed your company a dispute letter. Despite all of my objections and disputes, CREDIT COLLECTION SERV / CCs continues report this erroneous debt to at least 2 Credit Reporting Bureaus. 
Privacy Concern. COLLECTION SERV / CCs collected, processes and retained private, Personally Identifiable Information ( PII ) regarding me. I DID NOT CONSENT to Credit Collection Serv / CCs obtaining or processing my PII as this debt does not belong to me and I do not have a relationship with or provide consent to CREDIT COLLECTION SERV / CCs. Any information you may have been provided regard me has been wrongfully and incorrectly provided to you. Aside from my separate issues with the Original Debtor, you have my PII and YOU HAVE NOT BEEN AUTHORIZED BY ME TO COLLECT OR HAVE ACCESS TO MY PII.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was getting direct deposit to my bank account for unemployment for the first 2 weeks. It then got switched to a debit card that I was not made aware of. When the card came in the mail I shredded it bc it looked like a credit card that I had not applied for. There was no letter stating what it was for. After I found out from unemployment that was the card with my money I tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to call the bank to get a new one or to have the money transferred to my bank. I have sat on hold from 2-5 hours to be disconnected. I can not get through to the bank via phone or online. As you can imagine this is a hard time and Im trying to get access to my money so I can pay my bills. I'm begging that someone please contact me and help me get access to my money. Thank You.

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 2020-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I paid off my Macy 's credit card balance of {$310.00} by the due date in XXXX and should have a balance of {$0.00}. Macy 's sent me a statement with a balance of {$3.00} due by XX/XX/XXXX for Interest Charges. I should have no interest charge for a {$0.00} balance. Macy 's has done this before when I have paid off previous balances and I have had to call and get it removed " as a one-time courtesy. '' Macy 's should not be allowed to charge interest on any balance that was paid off on time. This practice is illegal and I would like the {$3.00} interest charge removed and my balance returned to {$0.00}.

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 2020-04-23 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: IN

Complaint narrative:
( 103 true Identity theft ) Transunion File XXXX XXXX Report XXXX XXXX Report XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX   Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT NAME : DPT EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) Account # : XXXX ACCOUNT XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX IVE BEEN TRYING TO REACH OUT TO XXXX XXXX TransUnion BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!

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 2020-04-23 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: IN

Complaint narrative:
( 103 true Identity theft ) XXXX File NumberXXXX Equifax Report Confirmation:XXXX  XXXX Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX   Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT XXXX : DPT EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX   ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX XXXX Account # : XXXX IVE BEEN TRYING TO REACH OUT TO Equifax XXXX XXXX BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
In XXXX of XXXX this company contacted us wanting to refinance our home at a lower interest rate through the VA. 
After sending paperwork after paperwork to them, they asked for more items which we sent. Then they did the title search. Then they came back and forced us to have our property split due to having 2 homes on 1 property which costs us a lot of money. 
Then they made us pay for an appraisal to be done out of pocket. The appraiser had to make a 2nd trip out to verify the improvements had been done, again costing us more money. 
All along the loan officer kept telling us everything was going great and we would be closing soon. 
Finally in XXXX I said I was going to just go with our local bank as they offered us a lower interest rate. XXXX XXXX XXXX, the loan officer told me not to do that. It was just a trick to get us in there and our loan was about to close anyway. 
On XXXX I asked what we needed to do to get this loan closed. He stated nothing, it would just be in processing for a few days and we were good to go. 
XXXX he told me they were waiting on the appraisal and he would call me on the following Monday. 
As of XXXX I had not heard anything from him so I sent him a text. He wrote back stating we were still all good to go and do not worry. 
On XXXX he phoned me to say he could not get the loan to go through as the VA had raised their points on the loan and it wouldn't work. 

I have lost money on the appraisal, I have lost money on the surveyor getting the property split ( that we would not have had to do if he would not have lied to us ). We have lost money filing everything with the courts and the county and the attorney to have the split done. 
I feel this man lied to us over and over and over. All along knowing there would be no loan and we would be out a couple thousand dollars for nothing. 
This is wrong and they should not be allowed to do this to innocent people. 
I have attached the text messages to show he was stringing us along.

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 2020-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The inquires below are not mines and may have been used to commit fraud. 

XXXX XXXX XXXX XXXX, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXXXXXX Inquiry : XXXX  XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY The accounts below has been paid off since XX/XX/XXXX. 

1. XXXX Last reported XX/XX/XXXX {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Finical has repo my car twice between XX/XX/XXXX and XX/XX/XXXX. Both time the repo places have messed up my car and stolen things out of it. My car company wont help me out they say that its not this problem when I ask them for a number to report damages to they give me fake numbers and Im really fed up with them and want to see what I can do to report and help for the. Damages caused

Company response to consumer: Closed with explanation