vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Since Bank of America acquired our loan from XXXX, our mortgage keeps increasing every year. Bank of America would never allow us to refinance or get a recent modification on our loan. We have gone from paying {$1800.00} a month to {$2600.00} a month and the rate keeps increasing. We have been turned down for a loan modification multiple of times.

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 2022-10-24 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: CA

Complaint narrative:
I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the XXXX at the state of California at the end of XX/XX/XXXX and ever since I lived in the state of California. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the XXXX at the state of California at the end of XX/XX/XXXX and ever since I lived in the state of California. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
consumer has been making payments since XX/XX/XXXX on this account & has never missed a payment.consumer was told there was no penalty for paying or making early payments, when account was created.on or about XX/XX/XXXX, I was called repeatedly & continuously being harassed about payments that I never missed.I received annoying calls, multiple times a day in reference to this account.I am disputing that I have missed a payment on this debt.consumer explained to a company, representative during a phone conversation, that I have never missed a payment.I ( consumer ) went over every payment month by month & she placed me on hold.after returning she stated, some of your payments, must have been, applied to the principle, which I did not authorize.I then asked the representative for a manager & was placed on hold again for about 40 minutes, when the phone was suddenly disconnected on their end.A day later the annoying & repeated calls started again.I formally notify you cease all communications other than mail regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX CT XXXX XXXX, TX XXXX Regarding : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Reference : XXXX To Whom it may concern, I have sent you a written request to validate a debt collection by XXXX XXXX XXXX, XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and they are obliged to provide me with relevant documentation. XXXX never or can they validate the debt. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. Therefore, XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the Act for the updated value ). 

Please take steps to remove any negative marking on my credit report that would adversely affect my credit. 

Thank you for your attention to this matter! 


Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have emailed Capital One many many times regarding one of my accounts that became a Charge Off in XX/XX/XXXX and was paid in XX/XX/XXXX. My emails were sent on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I have only heard from them maybe XXXX or 4 times. The people I spoke with were not the ones I sent my emails too. My matter was passed down to the least priority and not properly handled. I was given the roundabout standard responses and they were just trying to get me off the phone and not to worry about me. I've been a member of Cap one since XXXX and have 2 open accounts with them. Which I've been on top of them like no other. Making full monthly payments on most months. It feels like I am just a number to them and just another account that they see money coming from instead of the actual person I am.

I have been reaching out to them 18 times since XX/XX/XXXX and still dealing with this matter. It causes me physical and mental issues having this matter still hang above my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My PayPal XXXX XXXX account attached an insurance company to my account which is another division of their company called XXXX. XXXX charged me {$3300.00} by attaching small amounts onto my amount due each month without disclosing the additional amount on my online statements or explaining that this was not my amount owed from purchases. I continually payed my payments and kept calling for a year to get an answer of why my payments were not subtracted correctly from my balance. Finally after a year of calling amount the discrepancies, the customer care agents informed me that the amounts never matched of amount owed to my payments, because it was going to another division of their company called XXXX, which is an insurance used to pay off credit card in case of unemployment. I never gave this insurance company called XXXX permission to charge my account. Had I know about this insurance I would have used it in XX/XX/2020 when I had an accident and had a fractured leg, which caused me to be out of work for 5 months. I did not use the insurance because I never knew it existed until after that period of time. After multiple more inquiries and complaint processes they told me how to finally cancel the insurance policy to stop these charges. This information was finally given to me after a year of disputes. I followed their instruction XXXX to cancel the policy and stop the charges from occurring. I was given a refund of only a partial amount of {$870.00}. Since then they have opened several more cases to resolve the issue and even gave me another letter stating I would receive more of a refund only to then be told that the letter was sent in error. I never gave this insurance company, XXXX a division of Paypal XXXX XXXX to change my card and hide the charges while fraudulently opening an insurance policy in my name without my permission. I would like a full refund of {$2400.00} which is calculated from the full amount charged without permission of {$3300.00} minus the partial refund of {$870.00} given.

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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, Discover Bank sent an email " Dear XXXX, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. 

Here 's what you need to do : Call us at XXXX ( TDD XXXX ) to discuss your account. 
Make other arrangements for any pending transactions as they likely will be impacted while your account remains frozen. 
If you were enrolled in XXXX XXXX or XXXX XXXX to XXXX you may need to reenroll once the freeze is removed from your account. Please log into your account to confirm your settings once your account is no longer frozen. 

For information on fraud prevention and what we do to keep your account safe, visit our XXXX XXXX. 

Sincerely, Discover Bank Customer Service I have contacted the bank for information about " unusual activity ''. The Bank Agent verified the transaction but told me that The Bank decided to close my account for business reasons. On that information, i requested to send me my money back. 
They frozen my account and hold my money XXXX. This unilateral action caused huge financial damage to me and my family. 
On XX/XX/XXXX, I received a confimation email from Discover Bank confirmation about transfer from checking to Savings while account was unilateral closed. When i called about the transfer, They quickly suspend the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
In XX/XX/XXXX a trial period was agreed upon by both parties in which three installments were to be made in consecutive months to commence the loan modification process with the new 2.5 % interest rate. This was paramount for me because I had been unemployed for 19 months ( XXXX XXXX XXXX  ) and needed my income to justify any modification. Over the course of six months the only delay in making the modification official was a lien handed down on my property that I wasnt notified of until XX/XX/XXXX. I acted swiftly to pay this which led to the release of the lien in XXXX of XXXX. I continued to call to pay my modified mortgage and asking for an update to my modification but only words followed ( as opposed to the action promised each time ). Its makes no sense for XXXX more months to elapse without any guidance, direction, or expectation set but this is exactly what transpired culminating in the the most gut wrenching phone conversation ever to occur in my life when a call to pay my XXXX mortgage informed me that the documents had been delivered and since more than two weeks had elapsed since distributing them a new modification would need to be enacted. Apparently they had been sent while I was away. How could a reputable business allow so much time to elapse without presenting any other explanation than we have thousands of loan modifications to deal with? To ask a hundred questions with only a few actual answers received over the course of XXXX months is completely preposterous! Well, sir, we dont work with that department isnt acceptable feedback to acknowledge before, during, or after this process. Now I have to somehow accept a 6.0 % interest rate and a {$40000.00} delinquency amount because the trial period payments were significantly lower than my previous mortgage ( pre-CoviD ) amount. Standards are quintessential in business arrangements and its clear that my HomeLoanServ coerced me to believe I was getting ahead only to end up further behind than I initially started in XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
REMOVE DATE XX/XX/XXXX AMOUNT {$13000.00} AND XX/XX/XXXX AMOUNT {$870.00} DATE XX/XX/XXXX AMOUNT {$3100.00} AND DATE XX/XX/XXXX AMOUNT XXXX AND DATE XX/XX/XXXX {$600.00} REMOVE ALL UNAUTHORIZED ACCOUNT AND BALANCES FAST REMOVAL ITS BEEN MORE THAN 60 NO RESPONSE ON WHY THIS IS HERE ON MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CA

Complaint narrative:
I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the XXXX  XXXX. I arrived to the XXXX  at the state of XXXX  at the end of XX/XX/XXXX and ever since I lived in the state of XXXX. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX  to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
There are unauthorized businesses on 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 monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: WV

Complaint narrative:
I made a per XXXX with my XXXX Genesis credit card in XX/XX/2022 and was told I would have 0 % interest for 12 months. I had to pay a certain 20 % percentage down to qualify for the 0 % interest. My interest rate was incorrect and I paid interest in multiple payments. 

They randomly credited my account in full and rebilled as separate charges on different dates for different amounts and my monthly payment tripled. My original purchase amount was for {$3600.00}. I paid {$720.00} and put the remaining balance on the credit card of {$2800.00}. 

They since have credited and rebilled my card multiple times without my knowledge and my monthly payment has tripled. These are all udaap violations. 

I called and was hung up on when questioning my account and attempted to call back 4 more times and the call disconnected each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
For recording keeping, this is my 10th letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my credit score My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below. 

XXXX Account number : XXXX The high balance is different across the 3 credit bureaus. Transunion high balance states {$4900.00}. XXXX and XXXX states {$0.00} high balance. 

XXXX Account number : XXXX The date last active is different across the 3 credit bureaus. Transunion date last active states XX/XX/XXXX. XXXX and XXXX date last active states XXXX 

XXXX XXXX Account number : XXXX The date last active is different across the 3 credit bureaus. Transunion date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. 

XXXX XXXX Account number : XXXX The high balance is different across the 3 credit bureaus. Transunion high balance states {$850.00}. XXXX and XXXX states {$0.00} high balance. 

XXXX XXXX Account number : XXXX The high balance is different across the 3 credit bureaus. XXXX  high balance state {$0.00}. XXXX high balance states {$0.00}. Transunion high balance states {$1000.00}.

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 non-monetary relief