vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: GA

Complaint narrative:
XX/XX/20 I called Volkswagen Credit to buy my car out of the lease since it is terming. After waiting 32 minutes, the representative said that I have to go through the XXXX XXXX XXXX to do that. I called numerous times to talk to the finance department without success. 
XX/XX/20 I called the dealership again and made a complaint. They transferred me to the sales manager who told me that he would have to run my credit to buy it out of the lease. I did that, but Volkswagen Credit unfairly offered a loan at 11.5 % apr. I reached out to the sales manager about this, but he did not respond. I ended up working a deal with my own bank. 
XX/XX/20 I tried to get the Lease Buyout Package spending 4 hours on the phone without an answer. I tried contacting the corporate office, but they just transferred me to hold an additional 30 minutes. I still can not get what I need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: AK

Complaint narrative:
Remex XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Reporting debt of {$75.00} when all debts to the company was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XX/XX/2020 called the company that is servicing my mortgage loan ( Citizen One Home Loans XXXX XXXX XXXX XXXX XXXX, VA XXXX ) to ask questions regarding private mortgage insurance and having my mortgage serviced. Initially called was at XXXX XXXX eastern and was on hold 2 hours and 15 minutes until I could speak to someone. That is terrible customer service. There needs to be a better system in place to speak to someone from mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
This letter is to dispute collection items listed on my credit report by Meridian Financial. I have been unable to access the online system because I do not have a report number. Fraudulent activity has resulted in unjustified collection accounts being placed on my credit report. I have reached out to the creditor, Meridian Financial, to dispute the information. After reaching out, I have received the attached communications from creditor Meridian Financial. 

Someone has clearly forged my name to acquire a TimeShare. I  have never signed up for a TimeShare or had any affiliation with the creditor XXXX  XXXX  XXXX  XXXX XXXX. My signature or " proof of identification '' is not present in the communications. My name and a former address is printed on page 2 of a QuitClaim Deed. This was not printed by me. The creditor also sent an attachment of tax payments dating back to 1997 for the TimeShare Property. I have never paid any taxes towards any property as I have never owned any property. As a result, I have placed a fraud alert on my credit reports. It would seem that the creditor should have to supply actual proof of identification for something of this matter. There is no way the company has any legitimate identification from me. Please assist in this matter.

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 2020-03-20 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 am filing this report because I have been a victim of identity theft. The way I found out is that I went to XXXX XXXX XXXX to apply for a loan and I was not approved because apparently there are a total of seven accounts reflecting badly on my credit report. None of those accounts are mine ; I did not open any of them and I did not give anyone else permission to open them in my name. I did not benefit anything at all from these accounts and I did not contribute to any payments or purchases made with these suspicious accounts. I do not have any type of written/verbal contract/agreement or relationship with any of those companies. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding all of these accounts that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX  used capital one app to make a payment from my bank account. I havent used there credit cards for a few years. So last year I got a credit from capital one and downloaded there app Ive made over a dozen payments on there app. When making a payment on above date it billed 3 times on different banks that I didnt add. The other 2 bank accounts were added by the app and were old bank accounts. On XX/XX/XXXX called capital one customer service and they removed the 2 wrong payments well so we thought. Only one was removed 2 had to go through a was deleted leaving the correct payment and was paid by my bank.on XX/XX/XXXX called again after an hour or more waiting on the phone and yes there that back up I understand how crazy everything is but to be sent to a customer service supervisor from a fraud representative I was unaware that she put a 7 day hold on the payment so here we are XX/XX/XXXX cant get help the representative are so backed up that I understand but there customer service supervisor being so upset put that 7 day hold on my payment. Everyone is trying to get by now. Every dollar is important just getting by. What she did was to punish hurt because of her work involvement.please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Capital one Account number XXXX Unlawfully reporting false information about I owing money to pay for a vehicle under criminal investigation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
To Whom it may concern, We own a home in the XXXX XXXX XXXX in XXXX MO. Wells Fargo has our loan. Last year they jacked our mortgage payment from XXXX to XXXX a month. 
We are in the middle of dealing with Covid 19. My husband started a XXXX XXXX business about 7-8 months ago. It's extremely small and we've been struggling since XXXX to get steady work. Now hardly any work is coming in from outside customers for fear of contamination. 

Today, XX/XX/2020. Wells Fargo sent another letter stating that they were raising our mortgage again from XXXX to XXXX by next month if we don't pay X amount of dollars. 
We are outraged at the indecency of this company ( a XXXX  dollar bank ) for coming at us for more money at a time like this. We are barely making it right now with all the panic and fear running rampid. 
We tried to refinances a few months ago but our business has to be in operation for 2 years before we can. 
It feels so cruel and heartless. 

Can you help us? Can you speak on ours and I'm sure others behalf to not raise mortgage on their customers during this time in our nation? 

Please and thank you. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2020-03-20 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-20 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: FORD MOTOR CREDIT CO.
State: UT

Complaint narrative:
During a time of family crisis, my truck payment in XX/XX/2019 to FORD motor credit was partially paid and the balance paid 2 weeks later. Even though they received partial payment, they reported to all 3 credit bureaus my payment was 30 days past due. A call had been placed to FORD credit to let them know we were splitting payment in two. They agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new Citibank account, and deposited {$15000.00} on XX/XX/XXXX, in order to receive the below promotional deal. 

Citibank somehow opened 2 accounts in my name. I called in and said I didn't need 2, they closed one,  confirming that they were keeping open the one with the promo applied. 

My {$15000.00} transfer left my XXXX XXXX, labeled as Citibank, but never showed up in my account. Citibank denied any knowledge of the transaction, even when given all of the information directly by XXXX. XXXX filed a fraud report, and 2 months later the funds were returned to my account. 

Citi now claims the promotion had expired, even though there was a new promotion that started XX/XX/XXXX that was exactly the same, and refuses to honor the deal. I have been told 3 times that a manager will call me back but it never happens. 

It also took me another month to access my account, due to an error with their site, and then an error with their shipping of a new pin, during which time I was denied access to my funds. So to date they have withheld {$20000.00} of my money for 3 months with no apology or explanation.

This is one of multiple issues I have had with Citibank not fulfilling their agreements and their mysteriously vanishing promotions. 

Closed account : ending in XXXX Savings Account : ending in XXXX Checking Account : ending in XXXX Promo : Sign up for a new Citi Priority w/Savings Account, deposit funds within 30 days, keep in for 60 days after depositing, receive a {$400.00} reward on {$15000.00}, or a {$200.00} reward on {$5000.00} XXXX https : //banking.citi.com/cbol/checking-tiered-offer/default.htm? XXXX & XXXX & 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 monetary relief
Consumer complaint received 2020-03-20 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 just pulled my annual credit report and saw two accounts on my credit file that do not belong to me and i'm not sure where they came from at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2020, XXXX XXXX reported a 56 point drop to my XXXX  credit report and a 57 point drop to my XXXX   credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : SNYCB/PPC. As far as I can tell, this is an account that I had no knowledge of that originated with Paypal as " XXXX XXXX  XXXX  '' and was sold to Synchrony Bank. Synchorny Bank presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that Synchrony would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my XXXX  report with XXXX XXXX, directly with XXXX  and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.

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
Consumer complaint received 2020-03-20 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: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD PERSONAL HARSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2020-03-20 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: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD PERSONAL HARSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: CA

Complaint narrative:
I had a bank account with XXXX XXXX with a reserve line of credit attached that acted as an overdraft protection. I opened a bank account with a credit union and did not touch my XXXX XXXX   account and it had $ in the account. I went inside a branch only to find out my account was negative and about to be sent to collections. Apparently they took out a reserve line payment for more than what the account had which I did not know until I went to the branch to physically make a payment so after that it accrued fees totaling over {$100.00}. I tried to fix the issue but it was already in collections so it went to appeles collection agency in XX/XX/2019 for the amount of {$150.00} which I disputed and never heard anything nor did I receive a letter or any documentation with the outcome of the dispute.Then on the XXXX of XXXX I received a new collection letter for the same debt from XXXX XXXX which I also disputed and heard nothing.so I called the first collection agency appeles to ask what happened with the dispute they told me they weren't collecting a debt and it was marked paid in full but they couldnt release any paperwork stating that and advised me to call XXXX XXXX  which claimed to have no notations of the dispute whats so ever. Fast forward to XX/XX/XXXX I received yet another collection letter with again no outcome from the last company on the dispute again this time it is XXXX XXXX XXXX, XXXX I again disputed it for the 3rd time now within 5 months I'm just really getting tired of writing dispute letters only to get a letter for the same debt from another agency regarding the same debt that I have been disputing since XXXX. I just want this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 just pulled my annual credit report and saw two accounts on my credit file that do not belong to me and i'm not sure where they came from at this time.

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 2020-03-20 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 just pulled my annual credit report and saw two accounts on my credit file that do not belong to me and i'm not sure where they came from at this time.

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 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Contacted my mortgage company today to have payments deferred as per NYS mandate since I am out of work. They said they are not participating. 
Carrington Mortgage Company

Company response to consumer: Closed with explanation