vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 22 years as a XXXX XXXX XXXX XXXX at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Back in XXXX, I sent a complaint to your company in regards to the loan from Capital one auto, the only thing I received from them was a letter from the company president belittling me and saying that I had not paid them and the loan was past due. Well, I reviewed the account where payments have been paid, but have not posted and they will be listed below. I do have copies of my statements, but I will list the payments below. XX/XX/XXXX there was a payment made {$360.00}, this would have been for XXXX. Then again on XXXX {$100.00}, XX/XX/XXXX for {$140.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for, {$280.00}, XX/XX/XXXX for {$180.00}, I called in XXXX and was said the account was current, XX/XX/XXXX {$360.00}, and payment of {$310.00}, which they still say is past due and it is not showing as posting with them. The last payment they have is for XXXX. I've called and no one can tell me why they don't see the payments or where they have been, meanwhile they are reporting to the credit bureaus that my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX XXXX apple card ( mastercard ) offered to allow customers to skip XXXX payment if the enrolled in customer assistance program, I enrolled and got a message a few days later that said I made a offline payment to them, upon further investigation I discovered they took my entire cash rewards balance. I immediately contacted customer service and complained and received an email acknowledging I was enrolled In customer assistance program and they returned the money from my cash rewards, yesterday while closing the card they told me my cash awards account balance was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: KEYCORP
State: CO

Complaint narrative:
Hello, my name is XXXX  XXXX XXXX. I am from XXXX XXXX Colorado I have a key bank account credit card. we have had several deaths in the family in the past 6 months and now I have been out of work for almost 4 weeks. I knew I was going to be late on a payment due to helping to pay for family death cost. I contacted KeyBank and asked if I could make a double payment on the next payment date. This was in XXXX and agreed to pay a double payment for XXXX which should have been {$180.00} as they stated that they would waive the late fee. They charged me {$200.00} regardless of stating they would not charge me a late fee. Last month I made my payment on time which is normally {$90.00}. They informed me that though they waived or stated that they waived the late fee for the previous month which they did not, they reapplied the late fee to the payment due which they did not tell me that until after I made the payment which made my account go negative. I have spoke with them three times now and told them when you waive a fee you can not reapply it somewhere else that's called fraud and it is against the law. They did not want to work it out even though I made my payment on time last month. I told them I would send them {$5.00} a month until this account is paid off and to close out my account as I could not do business with someone that is dishonest. When you tell someone you're going to do something nice for them to help them out due to their circumstances that's what you do, you don't reapply it somewhere else that's called being dishonest. I have had my key Bank credit card for several years and have been in good standing with them making my payments on time until last year with the deaths in the family kind of cut things short and then just after XXXX we had more deaths and now the coronavirus. I have not ever known this organization to be dishonest like this in the past but I guess that's what they are now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09 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 {$6700.00}. 
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 XXXX XXXX XXXX and the subsequent response received on XXXX XXXX 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. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -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 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company is repoting 4 different accounts on all 3 bureaus and I haven't received any written notification or validation/verification of these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: AL

Complaint narrative:
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I've written XXXX, TU, and XXXX saying I don't believe this account is mine. No proof from them or XXXX I keep going back and forth with bureaus asking for debt verification/signed timeshare documents and all I'm being told is it's verified. I ask what information was provided? Who did the bureau contact because I get no response when I write XXXX - not even when I sent the letter certified USPS mail return receipt requested which they signed for on XX/XX/XXXX. If XXXX can tell XXXX  it's my debt how come neither company can send me the documentation used. The bureaus are not really looking into this and it's affecting my ability to obtain credit and it's causing me stress! I'm a XXXX XXXX  and right now moving essential supplies across this country requires my full attention and I'm distracted with this process going on for over 6 months. Enough is enough! 
I want this removed! It is not verified and I don't believe it is my account. I am attaching a credit report after the investigation and the certified receipt sent to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: NY

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
WE have had several leases through other finance and car companies. This was my first experience w Ally Bank, with terms and conditions like no other finance company. 
I assumed a the last 30 months of transfer car lease through Ally Bank. I contacted Ally in XX/XX/2019 to understand lease end terms and options for the end of the lease in XX/XX/2019. I was offered a lease extension for 30-90 days at {$150.00} over the usual lease payment ; a payment increase was not mentioned in any phone call, let alone an increase of that size. I was told that anytime during my lease extension, I could turn in the vehicle at a dealer. We turned in the vehicle, to the original dealer, 30 days into the extension. I contacted Ally to inquire about the inspection and I was told at that time ( not before ) that I was responsible for the vehicle until it was sold at auction. They were aware that the car had already been turned into the dealer - this seemed odd. since they also told me that sometimes this auction could take up to 90 days. I called again and asked again about the inspection and was told the first inspection was incomplete, although no one could tell me why and they were unaware why another inspection had not been scheduled. I requested that they schedule another inspection. 2nd inspection was completed 7 weeks after car was turned in. In the midst of all this Ally changed computer systems, which every Ally person I talked to, has been an issue. I received a letter in XXXX XXXX nearly 8 weeks after was returned ) stating that I owed over {$1600.00}. The letter stated that the car had been smoked in ( I do not smoke ), only one remote was returned ( both remotes returned to dealer ) and that I agreed to a 90 day extension, even though I had been told by several customer service people prior to the extension and after that I could return the vehicle at anytime. I have over 30 phone calls prior to the end of lease and after the end of lease and have talked to over 10 Ally departments. Misinformation and incomplete information has been the norm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I PAID MY MORTAGE PAYMENTS TWICE IN XXXX : in XXXX on XXXX, XXXX XXXX XXXX, XXXX. I PAID MY MORTGAGE IN XXXX ON XXXX XXXX. I PAID MY MORTGAGE IN XXXX ON XXXX, XXXX XXXX THIS IS THE MONTH THAT CHASE I ALLEGE DOING FRAUD SO THAT THEY CAN COLLECT LUMP SUM DO TO COVID 19 AND FORCE ME INTO FORECLOSURE BY LYING AND FRAUD. 

I CALLED CHASE TO INQUIRE ABOUT MISSING MORTGAGE PAYMENTS THAT WAS PAID AND NOT APPLIED TO MY MORTAGE STATED THAT I MISSED IN XX/XX/XXXX PAYMENT AND XXXX. CHASE IS CORRECT ABOUT XX/XX/XXXX THIS WAS THE REASON WHY THEY RECEIVED TWO PAYMENTS IN XXXX. 
I PAID ON XX/XX/XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. I SEEN ALL MY PAYMENTS THAT CHASE RECEIVE AND THE ONES THEY STOLE ONLINE UNDER MY ACCOUNT. FAILED TO APPLY MY XXXX AND XXXX PAYMENTS IN XXXX I WANT CHASE TO RECOGNIZE THE MY PAYMENTS THEY STOLE AND COMMITTED FRAUD. NEED ADDITIONAL INFORMATION I WILL APPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
This is regarding COVID-19 I contacted Caliber Mortgage online and filled out their form for help during this time because of issues regarding Covid-19. They sent me a letter that seemed to want to deter me from this process. Threatening an increase in interest : " Please note : If you request a Loan Modification at the end of your Forbearance Plan, in some cases interest rates will increase " And worse yet should I not make my payments for the 3 month period as the Federal Government has made a provision for the 3 months plus XXXX ( so 4 months ) will be due on XX/XX/XXXX and then I will be in default and get foreclosed. 

This is not a benefit to consumers that are short money NOW and that money will not be created out of thin air in 3 months given that the government will not let us go to work! 

The government has told our tenants that we can't foreclose on them so when this is over they will just not have the money to pay us all the accrued rent that's past due and will be evicted and that money will never be seen again. 

I need a REAL SOLUTION. I need these payments put on the back of my mortgage without threatening me for higher interest rates. 

The Federal and my State government doesn't seem interested in ending this SHUT DOWN of AMERICA so we can't even work and earn a living. Caliber thinks that somehow, someday when we are allowed to leave our homes and get back to work that our pockets will fill up with past due income? IT WILL NOT. 

tHEY SHOULD BE OFFERING 6 MONTHS NOT THREE AND THIS SHOULD BE PUT ON THE BACK OF MY LOAN NOW. I LOSE ENOUGH SLEEP OVER THIS MESS I DID NOT CAUSE. I CAN'T EVEN SLEEP AT NIGHT AND THEN I GET THIS THREAT LETTER FROM CALIBER - AND I'VE NEVER MISSED A PAYMENT! 

" All suspended payments will be due on XX/XX/2020. '' " The total amount of payments temporarily suspended by this Forbearance Plan are immediately due and payable at the end of the Forbearance Plan. '' This is not a good deal. I'll lose my house because of the government locking me in my house. I TAKE CARE OF MY MOTHER WHO HAS XXXX AND NEEDS 24/7 CARE AND I CAN'T RISK BEING EXPOSED TO COVID-19. I DON'T WANT TO LOSE MY HOME OVER THIS PANDEMIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
I have a HELOC with Iberia bank that was established in XXXX. At the time of this writing and the time that the issue I'm reporting occurred I've had a zero balance on this HELOC. In XXXX of XXXX I was contacted by an Iberia employee in reference to a past due annual fee for my HELOC account. I informed the employee that I did not receive any communications via email or letter mail regarding this annual fee and that the fee was late due to no fault of my own. The employee agreed with me and advised to just pay the fee as soon as possible, which I did. Despite Iberia bank 's failure to send me a bill they reported me to the credit bureaus as being 30 days late on a mortgage loan, 30 days late for an annual fee of {$50.00} on an $ XXXX HELOC with a zero owed balance. I'm in the process of refinancing my loan and this negative mark on my credit report is having a huge impact on my ability to obtain financing. I'm being penalized for the failure of Iberia bank to notify of money owed, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: NY

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-04-09 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: NY

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-04-09 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: TX

Complaint narrative:
There is a collection account by XXXX XXXX XXXX appearing on my credit report that does not belong to me. the Original Creditor is XXXX XXXX XXXX XXXX XXXX, its showing a balance of {$15000.00}. This account is a result of identity theft and fraud. I have attached my FTC report to this complaint. Please remove and block this fraudulent account 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 2020-04-09 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Fair Collections & Outsourcing from XXXX, MD incorrectly reported information to XXXX  that negatively impacted my credit application and needs to be rectified urgently.

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 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: CA

Complaint narrative:
To Whom It May Concern : XXXX XXXX  XXXX was called to bring my daughter XXXX XXXX to the hospital for a XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX : 1. Invoiced me directly {$2500.00} in addition to the insurance in XXXX, which had PAID XXXX XXXX per XXXX below dates and payment IDs. 
2. Recklessly and criminally, passed {$510.00} to collections to Nationwide Recovery Systems who consequently have been reporting this erroneous bill on my credit negatively since XXXX! 

XXXX paid XXXX XXXX the ENTIRE invoice of {$2500.00}. 

XXXX CONFIRMED ELECTRONIC PAYMENT PER BELOW : XX/XX/XXXX - {$460.00} payment ID XXXX XX/XX/XXXX - {$2100.00} payment ID XXXX They illegally passed a paid debt to collections and now this continues to be on my report damaging my credit when i am trying to refinance due to financial problems with COVID

Company response to consumer: Closed with explanation