vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I previously froze my credit report with Equifax on their website ( myequifax.com ). I needed to unfreeze my credit report today. Their website said there was a problem and directed me to call. I called and spoke with a representative. She unfroze my credit but said that I needed to send in a letter and I would get a response in 7-10 business days after they receive my letter. They said they were not " fully able '' to verify my identity, which made me nervous that there was a problem in my credit report. The rep was unwilling to tell me if there was any problems. She kept citing " their policy ''. I finally told her I didn't give a XXXX about their policy, but my policy is if there is a problem on my credit report I need to know. I didn't ask for Equifax to keep a report on me, yet they do. The rep was very unhelpful. On my credit report, for example, I have a mortgage with a company called " XXXX XXXX ''. She asked me a question while trying to verify me regarding who my mortgage company was. I said " XXXX XXXX ''. She then asked me " What does XXXX stand for? ". I don't know. Their website refers to them as XXXX XXXX, as does everything I receive from them. I finally asked for a supervisor. After being on hold for 15-minutes I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
/TransUnion agency reports inaccurate information. I have gone back and forth with the agency in writing a letter and submitted a dispute online, which takes longer than thirty days ( XX/XX/XXXX-XX/XX/XXXX ). It takes longer for them to respond by mail. Once I receive the report it is incomplete because they do not provide me with a full report. I have a TransUnion online account that indicates different information online than the actual paper report. They have not removed consumer energy as I have disputed numerous times. It is not my bill and I will continue to dispute. I have sent copies of police reports explaining the identity thief. There were medical bills on my report that has been taken care of. I notified the reporting agency and informed them that the medical bills had been paid and sent in copies of the payment receipts and they still refuse to update the debt. All medical bills were reported during the pandemic except for one of the bills that were reported on XX/XX/2019. It appears that two different reports are sent out to the consumer that shows different information than what is shown to a creditor who requests a copy of your credit report. Which is deceptive. I am asking that this matter be investigated in a timely manner. Thank you!

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment for XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements, and I will went through XXXX and some medical challenges during this covid-19. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA 609/611/623 violation. The Following accounts are listed : CAPITAL ONE BANK USA NA # XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Consumer Financial Protection Bureau, after careful review of my loan I was under the impression Regional Acceptance Corporation ( RAC ) was a helpful organization. However, they pray on induvial with poor credit and provide an unfair subprime loans practice. Granted when your facing financial hardships it shouldnt come at such a higher cost of subprime loans. There are well over 2,460,316 reviews on Consumer Affairs are verified this is a common practice of this organization. As an American who has always worked his way up the ladder of life. I have always tried to do what is right and fair by my fellowman. These subprime loan sharks must stop someone must put an end to this type of practice. 

On XX/XX/XXXX XXXX XXXX statement my XXXX XXXX XXXX was a total loss from fire damage, awarded {$11000.00} for the total value of the car. 

The car was purchased from XXXX of XXXX XXXX preowned vehicle with taxes and licensing total cost was {$27000.00} I have made a total of 42 payments = {$27000.00}. During the 4 years of payments, I have requested loan payment deferments, thinking the Regional Acceptance was helping me during these down times. However, what I didn't understand I was being changed a Daily Accrued rate of 17.965 % accumulated to an additional {$18000.00} in interest payments and still going daily. My payments was not being applied to the principle, but only to the interest payments. 

The car has been completely totaled the Insurance owns the title and paid off the value of the Vehicle. I have made several attempts to work with RAC. I've had conversations with managers, and they are not willing to write off the vehicle which at this point doesn't exist. I'm sure they have taken out a policy on the loan and can write this off with a very sizable profit. 

In my conclusion I'm seeking help for how to deal with this matter. I have seen well over a quarter of million claims against this Regional Acceptance Corporation ( RAC ) and their practices. What can your organization do to assist with this matter? 

Thank you for your 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 2020-11-04 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: Aargon Agency, Inc.
State: OH

Complaint narrative:
The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : AARGON AGENCY INC # XXXX XXXX XXXX XXXX # XXXX XXXX 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 explanation
Consumer complaint received 2020-11-03 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: FL

Complaint narrative:
This is my formal complaint against Experian about the inaccuracies listed on my credit report by Experian Consumer Report which is a result of fraud and Identity Theft. 

The fraudulent companies include ; XXXX - CARD SERVICE XXXX {$5000.00} XX/XX/XXXX XXXX - CARD SERVICE XXXX {$18000.00} XX/XX/XXXX These accounts have been opened and/or used for fraudulent activity in my name using my SSN and personal bank accounts without my knowledge Please note that my personal data was breached in the XXXX XXXX Breach. According to Experian report on XX/XX/XXXX. These accounts were fraudulently opened and used a result of Identity Theft. I submitted police report, Identity theft report and blocking letters but Experian has refused to block these accounts. They are in violation of my rights under the fairs credit act.

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NC

Complaint narrative:
In the beginning of XXXX of this year I called Discover and notified them of some charges that I saw on my statement that cut on XX/XX/2020 that were not authorized by me. The charges are as follows XXXX at XXXX XXXX for XXXX, XXXX at XXXX XXXX for XXXX, XXXX at XXXX XXXX for XXXX, XXXX @ XXXX 's for XXXX and XXXX To XXXX XXXX XXXX  for XXXX. I filled a police report with the XXXX Police department Case number XXXX. I called Discover on XXXX and was told that I must pay for the charges and that they would be charging my card. Discover indicated that the charges were valid because of my address being verified with the merchant I pointed out to Discover that they have notified me that my information ie address, email, phone number etc. have been found on the dark web so I wouldnt find it impossible that my information could be used. These charges happened in Florida I live in NC and wasn't anywhere near FL at the time these transactions occurred. The charge right before the fraud occurred happened in NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment both on XXXX and XX/XX/2020 for 30 days and 60 days late. I am not sure how this happened as probably during the time I was going through the XXXX and some medical challenges during covid19, but I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Received notice that Wells Fargo Home Mortgage was changing our account number on 2016. 

My credit reports states that the account was Sold or Transferred. It was not. It remains with Wells Fargo under a new account number. It was not modified or refinanced either. 

The issue is the old and the new reporting contains information for the same time period. It's not viewed as a duplicate account because it has two different account number via the credit bureaus but it is in fact duplicate for that time period as it's the same loan. We get hit twice with the derogatory reporting for the period 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 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently received a hard inquiry for a credit card from capital one that I did not apply for. 
The Application id # is XXXX Date received : XXXX XXXX And the fraud representative for the company that I spoke with was named XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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: OK

Complaint narrative:
Some one from the US SM BUS ADMIN ODA, made a hard inquiry on my Experian credit report. on XX/XX/2020. 
I did not authorize an inquiry and I have NOT applied for a small business loan or an Economic injury Disaster loan.

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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Red Mortgage, Inc.
State: NC

Complaint narrative:
We have submitted all the documents for closing and they continue to schedule the closing but refuse to send the documents to the title company. We have scheduled the closing 3 times from XX/XX/XXXX - XX/XX/XXXX. While the company will send emails they never respond to phone calls or provide any reason for not submitting the documents.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
Last spring I went to XXXX XXXX XXXX here in XXXX, GA and had XXXX XXXX XXXX. They offered me a no interest payment plan which I accepted. When the Government Stimulus check came in, I contacted the dental office and paid my bill in full. ( I have verified this over the phone with them ). I have since received 2 bills seeking {$190.00} from AmerAssist, the most recent dated XX/XX/2020, for payment of the bill to XXXX XXXX, threatening to turn me over to a collection agency. I went to their website at XXXX and it said they have no business with me. So I called their phone number ( XXXX ) to find out what was going on. The women who answered forwarded my call to a voicemail box. I tried to call back to speak with a real person and was informed that I was unable to complete my call as dialed. I have since researched AmerAssist on line and founded that this is not an unusual occurrence for them. I did not pay them any money but I AM concerned that Seniors may be duped into paying money that they do not owe by this practice. Thank you for your attention in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear Sir, I have a Wells Fargo XXXX XXXX XXXX XXXX that I use on a daily basis. 
I always make my payment on time with my account, but during the pandemic, I am struggling to make my payment on time but I do my full payment with some extra. 

In my XXXX statement, I made a payment of XXXX and call well fargo to waive the late fee of XXXX they didn't, they refused to. 

In my movement statement wells fargo charge me another late fee of XXXX and I asked wells fargo to waive the late fee but they refused. 

I was late twice on my payment and my credit card charge me a late fee of {$74.00} that is two late fees of XXXX each. I reach out to the credit card and explain that I made my payment on time but due to the pandemic I was a day late with my payment and I changed some late fees. During this hard time, I strongly believe Wells Fargo should waive or pardoned the late fee, I call to explain my situation but they did wave my late fee. 

I made my payment but I just want to be credit for the late fee. 
I am not asking for suspense in my account or for forbearance. I just want the late fee to be a wave. I struggle but I pay my bills a day late and late fees should not be charged during this hard time. 

Thank you

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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
CrossCountry Mortage made a significant error that violates the 2020 CARES ACT by proactively reporting a missed/late payment to all the credit bureaus while my mortgage was in Forbearance. The many representatives I have spoken with have apologized for this mistake and no of them can understand how and why it happened, and why Cross Country Mortgage has not fixed the mistake. A work order for fixing and correcting this mistake was submitted in XX/XX/2020 ( now it's XX/XX/2020 ) and a representative just confirmed that the " work order was never worked on ... ''. Again I received another apology, yet my credit has dropped over 170+ points and this mistake has caused major financial damage to me and my family because it was never " worked '' on when it was brought to the attention of CrossCountry Mortgage. My credit for the past 15 years has been 820+. And now since XX/XX/2020, CrossCountry Mortgage a 2nd time reported a missed and late payment to my credit AGAIN. Long-standing lines of credit that I've had for 15+ years have been canceled as a direct result of CrossCountry 's mistake. New career and job opportunities have not resulted in hiring after the company pulled my horrible credit that is due as a direct result of CrossCountry Mortgage. They continue to apologize and continue to do nothing and as a result I lose job opportunities, long-standing credit lines get yanked away, I'm unable to get a business loan, there are going to be issues when I need to refinance. I'm at a loss and have never in 20 year of doing business been so disappointed in a financial institution as I am with CrossCountry Mortage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I tried to contact Ally bank several times in 2018 and continued up until now regarding the fraudulent loan I was given with a washed title from the vehicle we purchased. The title goes directly to the bank when a vehicle is financed. Ally bank did not question the integrity of the title for the deal they were financing. CT attorney generals office contacted Ally and spoke to XXXX and XXXX in the president 's office explaining that the deal was fraudulent and that the title was washed. Ally refuses to do anything or go back to the original owner of the dealership to settle this. We've paid for a branded vehicle for 5 years and we've paid of most of the debt all while testing to negotiate with ally to rectify the situation. Ally did nothing and they knew that that deal was fraudulent. The dealer processed all the paperwork on ally behalf. If this is not resolved we will seek legal.action for a full refund of the vehicle price.

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