vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I went online on XX/XX/XXXX to schedule a payment to come out of my checking account via XXXX on XX/XX/XXXX. I received a confirmation email this same day, stating that I had successfully scheduled my payment. ( Please see the attachment ). On XX/XX/XXXX, I received an email stating that my payment had been suspended due to the status of my account. I had not received any other communication ( phone call, text, letter ) about the payment being suspended. I called Ally on XX/XX/XXXX and spoke with a representative about the email that I received and was told that by the representative that I had not received an email from them. I had to explain that I had gotten an email from them. I was then offered to speak with someone on the online team. I asked if I would be able to speak with a supervisor, since I was not getting the answer that I needed. I was told that I could not but a supervisor would give me a call back by XXXX EST. I received a missed call and when I called back I was told that since I missed the call I would have to wait for another call from a supervisor and it would be by XXXX. I did not get that call. I called on XX/XX/XXXX, and spoke with a lady that stated her name was " XXXX XXXX XXXX. '' I asked to speak with a supervisor and was asked what was going on. I gave her the details and she placed me on hold supposedly getting a supervisor. She thought she had the phone muted and I heard her talking about me and when I responded, she immediately muted the phone and placed me on hold. When she came back on the line she said that her supervisor stated that just because you make a payment on an account does not mean that it immediately comes out of your checking account. This was not what I was calling in reference to. My issue was knowing why the payment was rejected by Ally not anything concerning my bank. I feel as if I have been given the run around and what was a simple question that I need the answers to, has still not been explainhed

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 2022-03-02 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: DISCOVER BANK
State: PA

Complaint narrative:
I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is XXXX with portfolio. 
Discover XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX and XXXX XXXX  also state they will remove their items from my credit report and to date they have failed to do so I am XXXX  as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am trying to close on my loan and the company is refusing to give me a payoff. I spoke with XXXX at Mr Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. They have indicated they have too many loans to be able to help me with my loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Citibank closed my account which I used to pay my bills. They cant give me a reason. Its under investigation and I cant with draw my money or anything! Im stuck and waiting 30 to 60 days I also have a saving also!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted to Capital One Finance a request to update the Pay Status on or about XXXX. This is separate from a previous dispute regarding the correct payment date. 
1. XXXX updated the report to show XX/XX/XXXX as the correct date. 
2. If the maturity date was XX/XX/XXXX, the item can not be counted as late on XX/XX/XXXX. The date of XX/XX/XXXX would actually be the first late day, as you can not count XX/XX/XXXX as late. From XX/XX/XXXX ( the first late day after maturity date ) to XX/XX/XXXX ( date I paid and effective date ) is 29 days. 
3. 29 days is still not 30 days, therefore the Pay Status needs to be updated to reflect that I was not late. 
4. The delinquent note from XX/XX/XXXX which initiated this dispute, needs to be removed from my report. 
5. XXXX deliberately refuses to correct the PAY STATUS error as I submitted this complaint directly through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Tona Mortgage, LLC
State: FL

Complaint narrative:
My husband and I applied for a refinance of of home and it has been a nightmare with the company called The Lender. Every item they requested we submitted and then they came back saying not right and wanted other documents. We started in XXXX and finally they sent a notary to close on the XXXX of XXXX. Unbelievable, the notary forgot to have us sign about XXXX pages and then the mortgage company said we didn't sign papers back in XXXX. So notary came to house again, to sign his missing pages and then we had to sign about XXXX pages and date the XXXX of XXXX. Plus they had sent the form for payment to be XX/XX/XXXX their error was supposed to be XX/XX/XXXX so had to resign that also. Her it is XX/XX/XXXX and we have not received our money. I did give them info to direct deposit and still no money. 
It has been a nightmare working with The Lender. So since they have not full filled contract and give us the money on the first of XXXX as stated in contact do we have any recourse? supposedly looking into what happened to money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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:
I had my personal information stolen and i am worried about things that appear on my credit report that i have no knowledge of. Please help me understand what i need to do to resolve this. I have never used my credit before and it is already messed up i think, Now with all of these things on my report that i did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, XXXX XXXX XXXX are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed

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 2022-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX Equifax are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
There appears to yet another block on account ending in XXXX with Genesis FS Card Services, due to returned payment in the amount of {$50.00} made on XX/XX/24, payments made via bill pay thereafter have cleared, this one returned payment should not be an issue. However, it appears it is as well as a new card which was issued and not received.. The current card I have ending in XXXX does not match up with what is shown on account web-site, which is XXXX. I attempted to clarify new card ordered, was unable to do so as well as resolve block on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CITIBANK, N.A.
State: MA

Complaint narrative:
My Identity was stolen in two-three data breaches and has been used open credit cards. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards from CITI bank that were opened due to identity theft. I notified CITI. Made a police report. Added a fraud alert on my credit reports. I sent Citi bank documentation multiple times via certified mail which has been received and the signature card returned to me that validates I am a victim of Identity theft. 

Citi bank as of today XX/XX/2022 which is over a year I have been trying to correct this horrible act has not removed the accounts that were opened in my name with my social security number from my credit report. I have called CITI numerous times with no resolution and I am brushed off. I have requested documentation pertaining to the accounts listed on my credit report multiple times. Finally, I received documentation from CITI bank that also validates the accounts on my credit report that CITI is reporting as in default and charged off are not my accounts and CITI continues to report negative information to all three credit agencies. 


The paperwork that I received from CITI bank allowed the use of my identity that was stolen to open credit cards and commit this horrible act that is causing my credit and health to be abused because Citi bank continues to report negative information to all three credit bureaus. Attaching are documentation I received from CITI bank that verifies that my identity was stolen. The papers I received from Citi bank were two packets in one envelope one packet has a top # XXXX have multiple credit accounts attached. The next packet is labeled # XXXX. I have attached the police report that confirms that this has been reported to the police department. All the attached documents have been sent multiple times to CITI bank and they continue to disregard that I am a victim of identity theft.Citi Bank has tarnished my credit and this needs to be addressed now and corrected.

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 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Hi i logged into my credit report as of XX/XX/2022 and I noticed two capital one credit cards that were opened in my name and I have no idea who could have done this or did it. These are not my accounts even though it states my name. I never had a credit card before and do not need one. I see theres positive activity on the account which is akward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is XXXX with portfolio. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best buy Target XXXX and XXXX and XXXX labs also state they will remove their items from my credit report and to date they have failed to do so I am XXXX  as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.

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 2022-03-02 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: PA

Complaint narrative:
I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is 5 with XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXXXXXX and XXXX and XXXXXXXX XXXX also state they will remove their items from my credit report and to date they have failed to do so I am XXXX as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is 5 with XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and XXXXXXXX XXXX also state they will remove their items from my credit report and to date they have failed to do so I am XXXX as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2022-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
honda was called on XX/XX/XXXX i recd my excise tax bill and my monthly payment on my lease i paid my tax off and asked if could pay half car payment then and other half on XX/XX/XXXX and the person at honda said it would be ok ok awesome but then they hit my credit report as being late XXXX dats for the other half of my lease payment are you kidding me it is not 30 days late and i made an arrangement with them to take care of it other wise i would of paid the monthly lease payment and half the tax payment one in XXXX XXXX in XXXX but with the phone call i thought we had an agreement i guess not -- - hitting my credit report for being late after saying we were all set is very low i am only the co signer of this loan and was never notified of anything being late at all so fix my credit check your recorded conversation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Armed Forces Loans of Nevada Inc.
State: CA

Complaint narrative:
I paid off my loan in 2012 and Armed Forces loans is refusing to remove it off all three credit reports. I told them credit agency is saying the company needs to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
I had taken this loan out due to family emergencies and personal issues related to health. My debit card was stolen and my account closed. I was unable to make a payment to the company. They started harassing my HR department detailing all of the information regarding them. I reached out via email asking them to cease contacting my HR department and asked to pay less each period, as I am having continued financial strain. They told me that they wanted me to send a letter from my doctor which I refused. I let them know I'd be filing complaints as their harassment could lead to my termination.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Last year I was notified I owed XXXX apartments {$71.00} for a bill after I moved from the property that was turned over to collections. I went to the property and paid it. I sent National Credit Systems a letter. I disputed it several times. They are still reporting the item as unpaid and have since caused me to be denied on other apartment applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I've tried all week to get my online account transitioned from SunTrust to Truist. I've been on hold for hours at a time ; had my calls disconnected ; been told that I'd receive a return call from two different account specialists... but never received the call ; was informed from one of their digital account specialists that many literally have not been trained in how to return a customer 's phone call ; and that my on line profile could not be viewed by your digital support team in order to ascertain why my on-line user ID and password credentials is not being recognized in their system. This has caused me significant hardship, which included an inability to use my quicken software.

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