vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX  and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-10-30 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: ProCollect, Inc.
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX  and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
My son has been working with Loan Depot on his FHA loan. Today he was supposed to go to closing on XX/XX/20 at XXXX. On XX/XX/20, he received is closing disclosure, and was asked by his loan officer for some documents he needed to submit by XX/XX/20. On XX/XX/20, I received a call from the loan XXXX, XXXX XXXX, who stated the closing cost was double the amount on the Closing disclosure he received. I immediately called the loan officer to express my confusion. She informed me she would look into it and call me back. Later that evening, she stated they had to redo the structure of his loan because XXXX doubled all of the numbers on his loan. On XX/XX/20, I was asked to send over a copy of my banking information, my retirement account information because I am the gift giver for my son 's closing cost. Today at XXXX in the morning, I was asked to send over another statement because Loan Depot could not find where I made a deposit for his Earnest Deposit I gave him. at XXXX on XX/XX/20, one hour before his closing time and date, we are still waiting on the closing documents and was informed he may not close today because the underwriter hasn't sent over the documents. 


I called the XXXX XXXX, XXXX XXXX several times today and he has not returned my call. 

This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AL

Complaint narrative:
All during the monthly loan payment when I send additional principal AmeriHome mortgage continues to hold and misapply funds to the correct funds ( additional principal, escrow etc. ) and I would have to call them to have them correct the issue. However this has been ongoing since the beginning of the loan. I requested that they follow the payment stub submitted with my check and they advised me that its an electronic process and not a manual process. I then requested that my account be FLAGGED for special handling, they replied not possible. I replied with I should not have to call each month to correct in house matters and my loan is special to me since its a big investment. I then requested a 100 % audit on my account since the balance, escrow and interest was incorrect according to my calculations. I have paid aggressively on the first year since the principal was lower. Over the past three months they claim they would work on the correcting the issue and reply with supporting documents, but I feel that all balances are incorrect. At some point over the pass three months I have spoken to supervisor XXXX ( # XXXX ), XXXX XXXX  ( # XXXX ), XXXX and finally XXXX XXXX XXXX from XXXX XXXX in New Jersey phone number XXXX. I sent follow up emails to her on XX/XX/XXXX and XXXX requesting for the 100 % audit, with no response as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.

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 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust Bank sends payments to other address except where instructed on the site. 
Results have been late penalties and CASH IS MISSING from my account as erroneous check was cashed with no explanation. 
Suntrust is the most incompetent bank in the state. Very friendly at opening accounts and touting their excellent service. Don't believe it for a minute, you have to take a day off of work to deal with their 800 numbers and bad branch support.

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 2020-10-30 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: PA

Complaint narrative:
I have no idea why they are charging me this..i do not owe this money ... they keep verifying this debt but im not sure how ... it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: The CMI Group, Inc.
State: TX

Complaint narrative:
Credit Management XXXX They have called me 8 times this week. 
Monday XX/XX/XXXX XXXX Tuesday XX/XX/XXXX XXXX Wednesday XX/XX/XXXX XXXX 2 times-immediately so it looks like the same time Thursday XX/XX/XXXX XXXX, XXXX Friday XX/XX/XXXX XXXX, 2 times-immediately so it looks like the same time I have never once been late on a bill of any kind and have perfect credit. They have me linked to an account that is not mine. 

I called them back as my phone carrier auto blocks them and asked them why they were harassing me. They asked if my name was XXXX XXXX. I said no and that this had been my phone number since XXXX with the same carrier. They hung up on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: MO

Complaint narrative:
Please remove this account ( XXXX XXXX ) it does not belong to me nor do I have any responsibility in connection to this account. Please remove

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 2020-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2020 I booked a flight with XXXX for my son and I to go to XXXX ( {$3300.00} ). The pandemic then happened and flights were being cancelled. I called Chase on two matters, one being the fight and hotel to XXXX, in XX/XX/2020. I spoke with a representative who stated she was working from home. She told me to reach out to the merchant to rectify the situation. At the time of her telling me this, everything in NJ was closed ( that is why the rep was working from home ). Since she knew everything was closed I thought she was suggesting to wait for things to open up. So I waited. And the governor kept pushing back the date we open. When we did open back up got notified that XXXX is no longer in business and to contact Chase. I contacted Chase on XX/XX/2020 and made a claim and was refunded the money ( {$3300.00} ). 
On XX/XX/2020 Chase did a reversal and took back the {$3300.00} stating I waited to long to make claim. How is this possible when I was told to wait and contact the merchant? This has put a serious hardship on me and my son. I did what I was suppose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
1. Inconsistent dates of last payment on a charged off account XXXX - reported XX/XX/XXXX XXXX  reported - XX/XX/XXXX 2.Date Last Active - XXXX reported XXXX XX/XX/XXXX XXXX reported - XX/XX/XXXX XXXX reported XXXX 3. XXXX is reporting a High Credit amount of {$1700.00} on a C/O account that should only be XXXX according to FCRA Guide XXXX is showing {$0.00} as it should XXXX is showing {$1700.00} 4 All the 3 bureaus are showing past due amount of@XXXX as of XX/XX/XXXX on account that was Charged off since XX/XX/XXXX 5. XXXX and XXXX are both reporting as of XX/XX/XXXX, Credit limit of {$1700.00} instead of {$0.00} on account that was charged off in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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:
Hello, My name is XXXX XXXX and the reason I reaching out is to complain on TransUnion and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
My XXXX XXXX XXXX financed with Ally Financial, I'm at the end of my finance contract. There is a vehicle repossession fee added to the balance that is owed. Vehicle never was reposed. Spoke with Ally customer service several times. Ally refuse to make adjustment for the repo fee on account. Please assist me with getting this issue resolved. I'm questioning late fees that's added to account, Ally Customer service stated payments were paid on the XXXX or before the XXXX of every month. Ally records show payments due XXXX of every month. Ally has been charging late fees for the wrong payment due date payments are due on the XXXX of the month

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 2020-10-30 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: MO

Complaint narrative:
Please remove this account ( XXXX XXXX ) it does not belong to me nor do I have any responsibility in connection to this account. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: MO

Complaint narrative:
Please remove this account ( XXXX XXXX ) it does not belong to me nor do I have any responsibility in connection to this account. Please remove

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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Re : XXXX Complaint You closed this out after a letter was received from Quicken Loans. 
The company now holding ou mortgage is XXXX, and they show they received our XXXX payment from Quicken. 
We made the XXXX payment to Quicken on XX/XX/XXXX, and it is reflected in our statement from Quicken. XXXX  says they did not receive this payment. They do shoe receipt of the ESCROW amount of {$4000.00}, but no payment, all in XXXX. 
A previous 3-way call between Quicken, myself and XXXX did not resolve this payment discrepancy. Today, XX/XX/XXXX, XXXX  still does not show receipt of the XXXX payment, but they will pull that payment from the ESCROW to apply. 
This will make the ESCROW account short come time to pay taxes. 
Quicken maintains they sent the XXXX payment to XXXX. 

This is exactly why I made the original complaint, because it will cost me money, time, XXXX  and trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.

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 2020-10-30 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: NC

Complaint narrative:
I have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: ERC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received an email from experian Saying my credit score went up and in the email it said I had a 98 % chance Of receiving a XXXX credit card So I figure 98 % chance of something like 100 % why not so I applied for it funny thing is they didnt even pull experience credit report they pulled equal faxes At the time equal facts had my score At XXXX And I was denied so I called them up When you get it email prompting you and Enticing you to fill out a credit card application saying that your 98 % chance of getting it And if they would have kept it neutral saying you have A50/50 chance then you could put the blame on myself but when experian enticed me and provoke me my telling me I got 98 % chance then getting the card I would never filled out the application I like to see the enquiry removed from my report to the for wasn't for them I wouldnt have done it ... .. 
There is a XXXX XXXX inquiry that is on there they never remove credit card was open in my name i had that closed and removed they left inquiry along with a discover card inquiry that should have been removed someone tried getting a XXXX XXXX i already have 1 the inquiry still there

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 2020-10-30 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: FL

Complaint narrative:
Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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