vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
- Key Bank & Covid -19 in NY - Once I heard XXXX stating 90 day mortgage Were not exempting people from the mortgage payments. Were just adjusting the mortgage to include those payments on the back end. The measures will be reassessed at the end of the 90-day period, XXXX said ( 1 ). 
I decided to look into this with my mortgage holder Key Bank, due to loss of work from covid 19. I spoke with a representative an she stated they would freeze XXXX an interest would still accumulate during those 3 months, there wouldnt be any late fees or any damage to my credit score. This individual then went on to state the 3 months would just be tacked on to the end of my mortgage term. This was great news so I decided to opt in an the rep went on to state that they would send me something in the mail an to not pay attention to it as it just their system generating the mailer notification an this was something special this freeze that Key Bank was doing. 

I then received the mailer an decided to open it an it had completely different info then what the rep told me, with things being in writing vs a phone convo I decided to contact Key Bank to be assured what the rep told me over the phone. The guy I spoke with told me they are doing forbearances an not doing extensions an that they would expect me after 3 months to pay a lump sum of the 3 months missed. I told him that I was told something completely different by first rep an asked how can they expect people who need a freeze to pay everything in one lump some right after a freeze. This program was not in the best interests of its customers to help them during these unprecedented times and that I was lead to believe. Once finding out that they werent freezing three months and tacking them on to the end of mortgage term ( which is what I was told by first rep ) I asked to be removed from this program an go back to paying my mortgage. This is a hardship for me with loss of work an lack of opportunities in my field due to social distancing restrictions in NY state. Key Bank doesnt have its customers in there best interest, we are just a number to them and its sad as I have heard some banks are doing extensions from online message boards. I wanted to bring this to CFPBs attention as I have also reached out to Governor XXXX, People could really use extensions during these hard times and its sad Key Bank doesnt really care to truly help its customers. 




( 1 ) https : XXXX? XXXX #

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that Transunion, XXXX, and XXXX  have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. Transunion, XXXX, and XXXX are in Default and the items requested must be removed immediately.

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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ

Complaint narrative:
I spoke to a collector at Conserve around early to mid 2018 about 2 collections they put on my credit report. I told the collector that the amount reported to did not seem like it was the right amount, and he told me to take it up with the original creditor and not him. No one wanted to discuss the validity of the final amount with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
I was enrolled in XXXX  XXXX XXXX XXXX ( XXXX ) of XXXX XXXX when the institute suddenly closed there doors in XXXX leaving students stranded. All amounts owed by students enrolled were to be forgiven. In XXXX Deville Asset Management popped up on my credit report claiming debt collection for XXXX. I disputed the claim and it was removed from both my XXXX an XXXX reports. I have recently had my credit ran ( XXXX ) and I was surprised to see that Deville Asset was back on my XXXX report. I filed a second dispute and tried to reach out to Deville Asset Management without success ( XX/XX/XXXX ). I have never received a phone call or mail correspondence from this company. After months of waiting on a " pending '' dispute filed with XXXX I decided to call ( XX/XX/XXXX ). At that point XXXX told me that the the creditor had verified that the balance was being reported correctly, yet the dispute still shows as " pending ''. I have never opened an account with Deville Asset. I have no way of contacting XXXX because as stated above they closed in XXXX. Also, as stated above, I have attempted to reach Deville Asset with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that XXXX, Equifax, and XXXX have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. XXXX, Equifax, and XXXX are in Default and the items requested must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that XXXX, XXXX, and Experian have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. XXXX, XXXX, and Experian are in Default and the items requested must be removed immediately.

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 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I pulled a copy of my credit report and notice Cavalry along with some other negative accounts that i was not familiar with reporting to the 3 major credit bureaus XXXX, XXXX and XXXX. So I sent a letter to the bureaus asking them to do an investigation. 

The bureaus responded XX/XX/XXXX. They corrected and deleted all the questionable accounts except Cavalry. They said Cavalry has verified that the account is accurate and it belongs on my credit report. So XX/XX/XXXX I wrote a letter disputing the account with Calvary asking them for a copy of the contract I signed with them along with some other pertinent documentation as proof that this account is mine. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Cavalry sent me a bunch of computer generated statements they created stating that was the proof that the account belong to me. None of the documentation they sent had my signature and all the pertinent documentation I requested to further prove the account belong to me was not sent. 

On XX/XX/XXXX I again sent a letter letting them know that they are in clear violation of the fcra and fdcpa and should cease reporting to the bureaus because they are trying to collect a debt that does not belong to me. 

They responded 4 days later XXXX XXXX XXXX with another computer generated letter stating that they have verified the account. 

I will be attaching 1. response from XXXX stating that Calvary verified the account as accurate 2. first dispute letter sent to Calvary 3. response to first dispute letter 4. second dispute letter sent to Calvary 5. response to second dispute letter sent to Calvary

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc
State: FL

Complaint narrative:
The company hunter should be deleted from my credit report. It has been past 7 yrs.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
paid my capital one credit card bill in full but they keep declining my business partner XXXX XXXX card for every transaction. I took time out my day to call and waste hours on the phone. They said it was because new cards were ordered at first. Its been days later and they are still doing what they did at first. Anytime he pays for something online they cancel the transaction after its paid and he gets alerts from companies saying his credit card company flagged him for fraud. The first time this happened was at XXXX for a company phone case so he didnt break his XXXX, which he ended up breaking the XXXXXXXX XXXX because of capital one. Now his phone messed up which cost another XXXX  to replace. Then after that he tried buying a chest ( deep ) freezer. Due to news reports of Coronavirus food shortages. We have XXXX kids together and we were trying to ensure our family didnt run out of food. That was the second time the blocked his card and when I called. We ended up missing out on the deep freezer and pre ordered one that wont come in XXXX. I pray the country dont run out of food due to cap one taking most of our money during a shutdown then refusing to let us spend the balance we paid ( we can afford food, but dont have the space to store extra just in case due to their actions ). After this my daughters dad / business partner ordered a item for {$170.00}. Once again capital one voids the transaction and canceled it. Im tired of them doing this so Im about to file complaints with every agency against their bank. If they continue I will sue them in court. Im not asking ur agency to be my lawyer, I need a mediator so their XXXX representatives dont keep having me on hold hours asking the same stupid questions wasting my time and life I cant get back. This bank capital one are thieves. They still time out your life you cant get back and I want it corrected at the executive level with my account of Ill have a federal judge force them to stop. This is regarding the spark card from cap one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I have a good long time 19 year job, my credit is not so good but improving I have applied for FHA loans via XXXX, Quicken Loans, XXXX XXXX, XXXX XXXX XXXX and others even with 5 % down cash I have everyone has denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a dispute with a charge with city and the process has been far from a process of arbitration. The merchant 's " evidence '' was nothing more than the receipt and the websites ToC. The merchant provided no proof that the service promised was provided. I have attempted to contact the merchant for a month as well as the subcontractor and am at a wits end at the lack of response from XXXX or XXXX. They appear to have little to no people manning their customer service lines which makes it hard to get any documentation other than the emails sent to them attempting to contact them which lead to run around responses that provide no resolution or help. I was not able to fly due to coronavirus COVID 19 epidemic and am just trying to get the original airfare back for a service I never received.

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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
Somehow my credit score went from a XXXX to a XXXX thats impossible when I had no added debt to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: FC HoldCo LLC
State: CA

Complaint narrative:
I have a car loan from FLAGSHIP CREDIT ACCEPT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FLAGSHIP CREDIT ACCEPT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and FLAGSHIP CREDIT ACCEPT with no successful resolution. XXXX, XXXX, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.

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 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.

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 2020-04-30 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: CA

Complaint narrative:
I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.

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 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
IRS direct deposited my stimulus nothing is in my account I can't even log in to my account tryed ATM I have a card nothing there

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Somehow my credit score went from a XXXX to a XXXX thats impossible when I had no added debt to my credit report

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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Somehow my credit score went from a XXXX to a XXXX thats impossible when I had no added debt to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
They logged me out and wont let me into my account it was SUPPOSE to be money deposit to a account that I don't have a card to so I tried to get my money transferred but now it's not NOTHING there and my account is LOCKED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following Equifax Credit Bureau : Inquiries : 1. XXXX  XXXX XXXX   XXXX 2. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX  XX/XX/ 5. XXXX XX/XX/ I did not authorize anyone employed by these Equifax to make any inquiry and view my credit report.

Company response to consumer: Closed with explanation