vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Pursuant to 15 USC 1692 Ally Financial is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 USC 1640, and they are liable for each FDCPA Violation pursuant to 15 USC 1692K. I am demanding they remove this alleged debt from my consumer reports, remit payments to me for violations, and apologize.

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a debit card with capital one. I made a purchase for abound {$960.00} which I received an invoice for. The merchant charge my debit card for around {$1800.00}. I made good faith efforts to resolve the issue with the merchant. After all my attempts to resolve this issue with the merchant fails I called capital one to file a dispute. Around a month after filing the dispute I received an email asking for supporting documents. I provided all my supporting documents. 5 days later my claim was denied for not sending in my supporting documents. I called capital one. They received my email but never reached out and never reviewed my documents. The claim was reopened only to be denied later because capital one claims the charge was valid. Capital one never reviewed my supporting documents. I request all documents that were used during the investigation. I only received a customer dispute intake form and no documents from the merchant or myself. I call capital one only to get to a call center who has no explanation and can do absolutely nothing. This is so frustrating. I have zero fraud responsibility. Capital one has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a {$17.00} payment to XXXX through Bank of America bill pay service /XXXX  said they did not receive the payment I called the bank the bank said that bill pay service said that they paid the merchant/ I told Bank of America I wanted to dispute the charge but they would not dispute it because they said they can not dispute their own pay service i then close the account but my {$17.00} was still missing and has not been paid to the merchant or return to me

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 2021-01-13 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: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus. 

2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report. 

I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my XXXX credit report showing the missing payment and incorrect loan modification report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I USED COINBASE A XXXX XXXX BASED CRYPTOCURRENCY PHONE APP TO P URCHASE AND SELL VARIOUS CRYPTOCURRENCIES DURING XX/XX/2021. THE PROCEEDS FROM THE SELL OF THE CYRPTOCURRENCY TOTALS {$37000.00}. I HAVE ATTEMPTED TO WITHDRAW THESE FUNDS FROM MY COINBASE ACCOUNT TO MY CHECKING ACCOUNT. FOR REASONS UNCLEAR WHEN I ATTEMPT THE TRANSFER ..THE COINBSE APP GIVES ME AN ERROR MESSAGE ON THE SCREEN : {$0.00} AVAILABLE. THIS INSPITE OF HAVING A COINBASE ACCOUNT CASH BALANACE OF {$37000.00}. I HAVE EMAILED THEM TWICE ... .BUT HAVE NOT GOTTEN THE PROBLEM RESOLVED..AFTER SEARHCING FOR COMPLAINTS ON COINBASE ON THE INTERNET..I HAVE COME TO FIND OUT THAT THIS A COMMON PRACTICE BY COINBASE TO LOCK CUSTOMERS ACCOUNTS OR PUT A HOLD ON THEM FOR LONG PERIODS OF TIME ..PLEASE ASSIST ME IN THIS MATTER THANKS BEST XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I requested Mr. Cooper provide a full accounting for all payments for 2020. I received a reply dated XX/XX/2020, The cover letter stated that on XX/XX/2020, payments on my account were reversed back to XX/XX/2020 to update the interest rate effective XX/XX/2020 to 1.625 %. The effective rate shown on my XXXX and XXXX statements were 1.75 % which is the same rate on the monthly ARM notices I received for those months. 

The reversal and reapplication of my XX/XX/2020 payment resulted in a higher balance. If the reversal and reapplication of my payments is due to a lower interest rate, then less interest would have been the result and more toward principal and a lower ending balance. Their reversal and reapplication of all subsequent payments for the year resulted in what I believe to be an overcharge of {$31.00} in year to date interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

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 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX I did a pay to delete ( once paid they will remove from all 3 Bureaus ) with XXXX XXXX XXXX for the 2 accounts I had with them. I sent them a check stating if the cashed the check they are accepting the debt as paid full and will delete from all Bureaus on the letter and the memo section of the check. Check # XXXX was cashed and posted on my account on XXXX. I want the charge off accounts to be deleted from all Bureaus since they agreed and cashed my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has defamed my character, reported incorrect information on my credit reports without validating the debt and garnished my wages with a faulty lawsuit. They have violated quite a few of my rights pursuant of the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XXXX has yet to remove this account from my credit report. It has been deemed as fraud and incorrectly reported as it has inaccuracies, by both XXXX AND XXXX. I've contacted comenity bank and XXXX XXXX over the phone and they have basically changed the accounts number and balance multiple times as if that would be legal on anyones account. And they've told me due to this fraud account being in their system for at least 2 years, they cant manually remove it and i must reach out to the credit bureaus for removal. Which i did, Both XXXX and XXXX have removed it, only XXXX has been non-compliant and very unprofessional in regards to honoring my credit rights under FCRA. XXXX has taken it upon themselves to unlawfully report false information on my credit report and I'm going to file every possible complaint every where until they fix this error. 

XX/XX/2021 XXXX PACIFIC COAST TIME, ON A 41MIN PHONE CALL, I LAST SPOKE TO A LADY NAMED 'XXXX ' AT THE OHIO LOCATION OF COMENITYBANK/VICTORIA SECRET, SHE'S FROM THE INVESTIGATIONS DEPARTMENT. SHE TOLD ME WHAT I SAID ABOVE^

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: IA

Complaint narrative:
To whom it may concern, I am very disturbed about my dealings with a company know as Check n Go I was under the impression that given the CARES ACT in place given the pandemic, that 300 % interest rates had been curtailed. I have dealt with this company in the past and the interest rate had been halted due to the virus. 
The loan for {$5000.00} was opened in XXXX of XXXX and to date XX/XX/XXXX I have made a substantial payment of {$1100.00}. When contacting the company, I was told that the monthly interest had already accrued and I was owing exactly what I had initially borrowed all over again. 
This is unethical and constitutes thievery. I am operating in good faith to pay back a loan as quickly as possible but was told by an employee that the first nine payments go entirely to satisfy interest only resulting in a XXXX XXXX dollar balance owed. 
I ask for the help of the CFPB to make contact with this organization and to reign in this practice once and for all. This is resulting in taking severe advantage of people that have no idea of the methods of this company and their true stealing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: IN

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This needs to be removed or I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer and therefore a 2nd letter was sent at this time. Partial verification was received however the documents were incomplete and incorrect ; forms did not include a payment and delinquency history, lease agreement was not in its entirety and amounts owed per the lease agreement do not add up to what is on the ledger, the ledger does not include credit for pet deposits and the apartment number listed is not correct and reports that the apartment was carpeted when the unit did not have any carpets whatsoever. After receiving the partial verification the agency was contacted via phone call on 3 different occasions and 3 different escalations however no corrections have been made. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed an account with Equifax because the balance wasn't updated after I settled it and they updated the balance correctly, however, in doing that, the Date of first Delinquency was changed to the date it was charged off and not the date of first delinquency on the account. I tried calling Equifax to update it correctly based on what was on my credit report and pointed out that the first 30 day late was in XXXX or XXXX and not the date it was charged off which was XXXX. They told me to contact the company who was reporting it and I did but they would not help me at all. This is an auto account that was charged off which should come off in XXXX or XXXX of this year. Equifax will not help me or the company so I found your info and was hoping you can help me get this straight. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: PA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I am very disappointed and I will call my lawyer ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I settled this account with XXXX XXXX  thru XXXX XXXX XXXX on XX/XX/XXXX. The balance has not updated and they reported 2 late payments for XX/XX/XXXX & XX/XX/XXXX. I am currently in escrow with homebuying and nobody will fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MS

Complaint narrative:
Claim ID : XXXX Date submitted : XX/XX/2021 Is real evidence fraud is active and ongoing a third has a unauthorized untrusteeship over an estate without proper authority. 
Restore all funds and hereditaments immediately. 
All charges, payments, or fines, for all past, present and future should be restored. 
This account is for the beneficiary of XXXX XXXX XXXX This account is needed to enforce private laws and deploy constitutional assistance around the the united states of America. Notice to agent is notice to principle Selective Service I'd is : XXXX Notice of emergency relief for : egress, regression, right of movement locomotion, peace and happiness! All declined payments or restricted payments causes involuntary servitude, mental anguish, physical HARDSHIP and is evidence of restrictions on divine financial innovative capabilities.

341 hearing is underway and ongoing and a consumer credit class all trustees will take or have neccessary credentials for administering this account and vehicle/Vessal. 
This account should be be pursuant and in likeness to15 U.S. Code 1637 - Open end consumer credit plans.

Any transaction outside of it Should be in likeness of 15 U.S. Code 1638 - Transactions other than under an open end credit plan By : .XXXX  XXXX, :XXXX : and the United States of America . 

This for the care for the extreme care for XXXX XXXX XXXX ( TRUST ) ____________ [ X ] ____________ XXXX. Executor ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: LA

Complaint narrative:
I did a settlement offer with CREDIT CONTROL LLC for a XXXX XXXX credit card on XX/XX/2020. The account was suppose to be removed from all 3 Bureaus and was not and has not!

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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a Capital One account on which I fell behind on due to being impacted by COVID-19. Prior to COVID-19 they changed my due date which made me late and incur late fees almost every month. This was frustrating, then I don't recall them even offering me a delayed pay plan for COVID. I was attempting to bring my account up to date but it had been transferred to another company by the name of XXXX XXXX XXXX. I was told the account was charged off and was offered a settlement first of 80 %, then 50 % which they wanted lump sum in XX/XX/2021 or pay 55 % via installments. I have been trying to catch up my Capital One account my since I have been impacted and my pay reduced by COVID-19. I reviewed copies of my credit report and there are excessive inquires from XXXX XXXX XXXX on behalf of Capital One. As far as I know, debt collectors are permitted to request credit reports every 30 days to determine the debtors ability to pay. However, the inquiries on my credit report are excessive and under the 30 day time period. This is severely damaging to my credit worthiness. Over the last 90 days, creditors have reduced my credit and closed accounts and I would have to deduce it is from these collection inquiries. This sends a red flag to my other creditors which either had XXXX balances or stellar payment histories. This is illegal and has violated the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 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: IN

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This needs to be removed or I will file a lawsuit.

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