vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My vehicle was resposed XX/XX/2019 . I was not 3 payments behind . I made a payment with my bank account on XX/XX/2019 which ally only attempted to withdraw on XX/XX/2019  at which point the funds were still availible . When I called  regarding the reposession needless to say  I was flabergasted  becuase I made the payment  and no one contacted me  to let me know they were unable to recieve the funds. I offered to prove that the funds were available when they attempted to collect  the funds and  that I lost my card  and recently informed the bank that it was lost , which could have cuased the confusion. Ally refused to give me the vehicle  back unless I paid XXXX which I did not have at the time. Ally uncluded late fees in the amount needed  to get my vehicle  back . I have called and talked to more than person  about this situation .  I also asked them  why they charged 12.5% interest when I had great credit at the time of purchase. I was  in a dire situation whit time and  was unable  to hagle  they were not forth comming with answers. I have exsplained to ally that If they ever have issues wit payment that I need  to be contacted  , they  told me its the banks  fault and I need to take that up with them . the law does not allow the lender  to let me go with out being informed    about a  non payment .  I have had the account for more than a year  and have made several payment  with the same account  with no issue .

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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I HAVE AN ACCT WITH AT & T UNIVERSAL CARD ( CITI ) I HAD 2 BALANCE TRANSFER OFFERS ABOUT TO EXPIRE I TELEPHONED UNIVERSAL CARD CUSTOMER SERVICE XXXX XXXX XXXX PRIOR TO THE EXPIRATION DATE OF THE ONE SOONEST TO EXPIRE ON XX/XX/XXXX {$6200.00} ( 0 % ) EXPIRE ON XX/XX/XXXX {$850.00} ( 1.99 % ) THE REPRESENTATIVE TOLD ME TO PAY {$6000.00} AND THE MINIMUM DUE OF {$210.00} PAID {$6000.00} ON XX/XX/XXXX AT THE AT & T WEB SITE. ( HAVE PRINTED RECEIPT ) PAID {$210.00} ON XX/XX/XXXX I THINK AFTER PAYING {$6000.00} {$210.00} FOR A TOTAL OF XXXX ON THE SAME DAY, AFTER PAYING THE LARGEST BALANCE, I USED A BALANCE TRANSFER CHECK TO REFINANCE THE XXXX. 

ON THE NEXT STATEMENT THE PAYMENT I MADE TO PAY OFF THE EXPIRING TRANSFER OFFER WAS APPLIED TO THE NEW BALANCE TRANSER CHECK I JUST WROTE. 

THEY CHARGED ME FOR A BALANCE TRANSFER AND ARE CHARGING ME INTEREST ON THE EXPIRED ONE. 

I HAVE CALLED SEVERAL TIMES AND SPOKE WITH VARIOUS REPRESENTATIVES TO EXPLAIN THE SITUATION THE FIRST TIME I CALLED. THEY REFUNDED THE INTEREST OF {$100.00} BECAUSE THE REP SAW THE MISTAKE. SHE ASSURED ME IT WOULD BE CORRECTED. THAT WAS IN.XXXX XXXX. 

I CALLED AGAIN AND SPOKE WITH SUPERVISORS. THEY ASSURED ME IT WOULD BE CORRECTED ALSO. I WAS TOLD TO WAIT ABOUT 5 BUSINESS DAYS FOR A REPLY. 

I RECEIVED TWO FORM LETTERS 2 WEEKS APART EXPLAINING HOW PAYMENTS ARE APPLIED. 

I CALLED AGAIN AND THE LAST TWO REPS I CALLED SAID IT WAS BEING WORKED ON. 

HOW LONG DOES IT TAKE? 

THE BOTTOM LINE IS THAT THEY APPLIED MY PAYMENT FOR AN EXPIRING BALANCE TRANSFER TO THE NEW BALANCE TRANSFER. NEGATING THE WHOLE REASON FOR THE PAYOFF TO BEGIN WITH. 

UNIVERSAL CARD SHOULD HAVE ALL MY PHONE CALLS RECORDED. STARTING WITH THE REP WHO TOLD ME HOW TO PAY OFF THE EXPIRING OFFER.

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 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
A fraudulent account was opened online, in my name with JP Morgan Chase Bank on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to JP Morgan Chase Bank fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for the amount of $XXXX from XXXX XXXX XXXX XXXX on behalf of JP Morgan Chase Bank. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with JP Morgan Chase Bank in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!JP Morgan Chase Bank also never contacted me to verify my identity before the account was fraudulently opened in my name!JP Morgan Chase Bank has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought a fence through Lowe’s credit card and the man explained he won’t have interest for two years but he didn’t explain that after two years they tacked on two years worth of interest. I’ve always paid it on time every month till one day I checked my account and it went from XXXX to XXXX I tried to negotiate with them about a payment plan and they’re charging me $XXXX in interest a month when I could only afford $XXXX payment. I’ve talk to manager upon manager and I just don’t know what to do at this point I feel like they are robbing me and miss treating me. Now I got a letter about a lawsuit. Lowes credit card is through synchrony bank

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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have put in a number of credit card applications for the Apple Goldman Sach credit card.A person applies through the XXXX and have to input some personal information. Before submitting the application you are to take a picture of the front and back of your Government issued Identification. I have done this numerous times and have been denied  for the reason of my identification not being able to be verified. The associates have absolutely no guidance in assisting their clients with such issues. Their responses are more generic than the emails being sent. The process in order to apply and get approved for such card is atrocious and ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I paid off my loan and the mortgage company overcharged me by $XXXX. They charged me $XXXX   for recording fees in XXXX XXXX County. It should've been $XXXX only. Also they charge me for $XXXX for advance which they don't want to explain what is. On XX/XX/XXXX, I filed a complain and I called several times and they don't give an answer.

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 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NV

Complaint narrative:
I have numerous problems with specific account. For a start, I don't have XXXX service. Never have. I've never had a tv network opened in my name period. In the event this happened, my identity definitely was stolen and I've informed the bureaus and police of that ( earlier this year ). I thought after going to the police that they handle it ( shows how much I know ) but that's not the case. 

I reached out to XXXX, asking for any and all information regarding this account. They don't even have a contract bearing my signature, accurate copy of my license, nothing. How can you say an account was opened by me with no security measures to ensure it WAS ME? 

Bogus. They've stopped responding after notifying them of the many violations. I then wrote the collection agency asking the same thing. No response. Over it at this point. This year has been a nightmare and I think it's unfair how some ( not all ) turn their heads when true victims of identity theft have to deal with this. I've been attempting to resolve this since XXXX with the creditors directly, with the bureaus since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
Received a collection letter from Wakefield and Associates , Inc., XXXX XXXX XXXX, XXXX. XXXX   XXXX, XXXX, TN XXXX, that money was owed to an entity which goes by the name of XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX, TN -- an entity with which I have never had contact with or heard of until receipt of a collection letter on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Monday, XX/XX/XXXX, I was the victim of a theft crime to my Peoples United Bank Checking Account.  I received a text message from the bank asking if I authorized two separate payments, $XXXX and $XXXX   and respond yes or no.  Of course I responded no.  Immediately following, my cell phone rang with Peoples United Fraud specialist with the same Peoples Phone Number on their website #XXXX   at the same time I was calling Peoples United  Bank to verify.  The Peoples phone call that I made had a 23 minute wait to speak with a representative & since I thought I was speaking to one of their fraud specialists, I did not hold the line & took the call.  During the 20 minute call, I requested verification from them & they provided a 5 digit # to give to an automated Peoples fraud phone call and immediately a call came in with the fraud dept. # of XXXX and I gave the #; I requested 2 additional verifications and received both.  They indicated that they secured my account and I would receive a confirmation email.  I did not get the email & immediately called the Peoples United Bank another 25 minutes to speak to a representative, gave them my call back #, waited for a call back & was transferred to their fraud department another 25 minutes on hold to speak to a representative who indicated it was FRAUD.  At that time, they instructed that I log onto my account which I did and without my permission, the $XXXX + $XXXX transactions were made to my account.  I filed a complaint, provided numerous documents including my cell phone records and they denied my claim.  I am requesting an investigation as their fraud department indicated the bank is denying "all of these types of claims" and will not make me whole with the $XXXX that was stolen from my account.  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: LA

Complaint narrative:
This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.

XXXX XXXX XXXX XXXX XXXX

$XXXX XXXX  BANKRUPTCY COURT

Docket #: XXXX  

BANKRUPTCY COURT

Docket #: XXXX

BANKRUPTCY COURT

Docket #: 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 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I'm facing  foreclosure with PHH on XX/XX/XXXX.   We submitted a full short sale package on XX/XX/XXXX, which was 36 days prior to the date of my foreclosure.  I am a XXXX year old woman who has faced serious struggles with my property. I attempted a modification in XX/XX/XXXX, and was denied because my insurance company would not assist in fixing pipe damage my property.  I struggled to maintain the home and the mortgage and could not keep up at my age.We called in on XX/XX/XXXX and confirmed the package was received, and the only thing that was an issue was an illegible HUD.  We are kindly requesting that you take this ONE day in to your consideration.  I have struggled enough and do not want to face having my home auctioned from underneath me as well, especially at this time of year in the cold weather.Please allow a postponement in order to do a full short sale review.  If you order a valuation my Realtor can get you access immediately.  Please consider this.  If there is anything you can do to help I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is reporting to XXXX and XXXX  incorrect and inaccurate information about my original account. They have not fixed it despite my disputes. Portfolio is sending a letter to agencies from the debt they bought from XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XX/XX/XXXX-XX/XX/XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as date of delinquency and it is INCORRECT and they will not send original creditor information. And the agencies still report it that way. I have requested the original creditor dates from Portfolio and they send something from XXXX in XXXX. It is deceptive and wrong! Reporting agencies are falling for this XXXX! This has been haunting me for so long!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: LA

Complaint narrative:
This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.XXXX XXXX XXXX XXXXXXXX$XXXXXXXX BANKRUPTCY COURTDocket #: XXXXBANKRUPTCY COURTDocket #: XXXX BANKRUPTCY COURTDocket #: 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 2019-12-11 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: LA

Complaint narrative:
This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.XXXX XXXX XXXX XXXXXXXX$XXXXXXXX XXXX XXXXDocket #: XXXXXXXX XXXXDocket #: XXXX XXXX XXXXDocket #: XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
When I took out this mortgage on my home, my escrow account was set up to pay taxes. About a year and a half ago the company started sending me monthly payments that didnt include escrow payment, only principle and interest. I called the company to ask them to correct this error and put back my monthly payment as it originally was with escrow. They assured me they would take care of it and fix. A few months after that still nothing was corrected and I got a late notice for taxes not being paid. I tried again to fix with the company and still I thing was done. I decided they werent competent to correct their error. I have been paying taxes personally ever since and i now have this company showing I have a negative escrow balance which they now want to increase my monthly payment to pay for a negative escrow. Once again I have tried numerous times to contact them to fix this and again I am getting no where. I have sent them all paid checks and invoices from the city tax department of my payment. 
Its to the point that I cant keep on top of a company from doing the correct thing. With a newborn and work of my own, I accepted this mortgage where it was setup so I wouldnt have to deal with these issues on a constant basis to make sure everything is paid in time. I am wondering if I need to seek legal advice and escalate this to the next step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am open an account with Capital one with ITIN number ( Tax Id)  which i was approve for a credit card  and also opened checking account 360 using the tax id  because i was not having social security number by then. recently i received my social security number and i decided to update my record with them and i called them. i gave them the social security number and i was inform that my call will be directed to Fraud Department to speak with a specialist, the specialist ask me to send documents through a link she emailed me , which was my SSN card, ITin Certificate, Passport, Prove of address, My Employment Authorization card, after submitting those documents through the link they provided i was in formed that i will receive a call back to know my status since they suspect fraud and i question her that i am calling them with my phone number on file so what is fraud about that.. I never received a call back for 3 weeks so i called them back to find out and for me to be told they cant verify my documents and my account will remain blocked and i argued with them that the documents are issued by the government. The fraud specialist ask me again to forward them the documents again using my mobile phone which she was on the phone with me and i did forwarded the documents using my mobile phone to take pictures and upload. i was told i will receive a call from a specialist telling me my status a day after i received a call on my home phone number which i was home and answered and i was told my account is still blocked because they still cant verify my documents.  3 days after  again i receive  a call on my mobile phone telling my due to suspected fraud the is still restrictions on my account. Today i called again because my online access has been block and i cant access my online  i felt i was discriminated due to my race because for 1 hour on phone they could not tell me reason why they suspecting that government issued documents are invalid and i was ask again to submit document which i told the gentleman i wont because this is purely frustrating and discriminating i just want to update my tax id to my new ssn and i am going through all this , he said he will forward the call to the fraud department to speak with some one which he did and all i could be told is i should wait 3 hours to login and i waited for 4 hours try logging in i still cant get access to my online banking.. i feel been discriminated and i feel been humiliated base on my race(XXXX).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have never had the CashApp or any Square Apps products or services. I have never given them my information or transferred nor received money from these services. 
On XX/XX/2019 my debit account with XXXX XXXX  was charged {$400.00} to CashApp with my name in the subject line of the withdrawal details. I have alerted my bank to the fraud and reached out all ways possible to CashApp and Square.

CashApp does not offer customer service to none members and Square has told me to contact CashApp. I want to make sure there is not an account in my name being used fraudulently. 
Thank you.

Company response to consumer: Closed with explanation