vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have 2 vehicles each separate loans with Ally Financial. I am attempting to pay off both loans and asked for a payoff quote for both. They gave me amounts that are higher than listed on my account because of compiled late fees. I asked if they would work with me and please reduce the fees or finance charges and I can pay both of the loans off. I was told we dont do that at Ally. I have done this in the past and they always worked with me to get it off the books and be done with it. This company Ally calls me 10 times a day every day with different people leaving messages that sound like they are from another country. I just want them to work with me to take off fees. Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My account was going to be closed! I have not received anything in the mail or any updates. I have funds available and I have not yet received it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I complained with Consumer financial Protection Bureau, CFPB COMPLAINT # XXXX. Copy of the complaint together with my fair resolution and XXXX  's response is attached. I have also attached attachments for this referenced complaint. XXXX  claims XXXX XXXX needs my permission by stating " The company needs authorization  from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. '' WHAT DOES THIS MEAN OR IS THIS MORE XXXX XXXX GAMES? XXXX XXXX always labels ALL my complaints as a duplicate complaint without ever responding to just one complaint. Now XXXX XXXX claims they need my permission to proceed when I have been requesting an investigation for 4 years.

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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im a victim of identity theft theres 3 inquiries on my credit report that doesnt belong to me and for some reason its not being removed the company names are. XXXX, the next one is XXXX  XXXX and also XXXX XXXX. I have never requested any credit from those companies

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 2021-02-16 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: UT

Complaint narrative:
The three major credit bureaus : XXXX, Equifax, & XXXX  are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: UT

Complaint narrative:
The three major credit bureaus : XXXX, XXXX, & Experian are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank is offered me a settlement of {$150.00} at {$50.00} a month for 3 months they refuse to put it in right and back in XXXX of XXXX now they have gone back on their offer and they're demanding the full balance.I was ready to accept the offer of {$150.00} but everybody refused to put it in writing.I had a family member was going to lend me {$150.00} but soon to any Bank refuse to put the offer in writing so my family member can lend me the money.my income {$750.00} a month XXXX and I only going to make it a payment plan of XXXX dollar a month synchrony Bank refused to accept my payment plan after I have showed my hardship and rather continuously add fees and interest. Sending my account to other collector that harass me none stop will not get no more money from me because I don't have it.

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 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Repeated phone calls, contacted employer and relatives after certified letter sent to company to cease all phone communication. Advised to contact debt relief company to negotiate a settlement directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA ( Fair Credit Reporting Act15 U.S.C. 1681-1681x ), it should be removed. However, l have sent in continuous dispute letters obtaining all information needed to remove the inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is CRACCEPT/CAC. The Inquiry date is XXXX XXXX. The bureau reporting is TransUnion.

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 2021-02-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent 4 letters Exhibit A Validation of debt request dated XX/XX/XXXX XXXX Exhibit B Validation of debt request dated XX/XX/XXXX XXXX Exhibit C Notice of default Opportunity to cure XX/XX/XXXX XXXX Exhibit D Notice of Intent to Sue XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: MI

Complaint narrative:
I sent 4 letters Exhibit A Validation of debt request dated XX/XX/XXXX XXXX Exhibit B Validation of debt request dated XX/XX/XXXX XXXX Exhibit C Notice of default Opportunity to cure XX/XX/XXXX XXXX Exhibit D Notice of Intent to Sue XX/XX/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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
This company was notified in writing via certified mail that the debt they were attempting to collect was not valid and that they could not report and never sent me a validation of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
LoanCare failed to pay my Oregon property tax in XXXX of XXXX. I contacted them regarding this issue as my Escrow account had a surplus of over {$2000.00}. They were unable to tell me why my taxes were not paid. In addition, they did not correct this timely therefor I am being penalized on my 2020 income taxes as I can not claim any amount paid for property taxes. I was never notified by my mortgage company that my escrow payment did not go out. I was only notified after getting a past due statement from Lane county.

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 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Care Credit Account # XXXX from XX/XX/16. Please note the original debt was for {$350.00}. I attempted to resolve with the creditor. However, I was told that they would not validate the current debt amount of {$970.00}. I am disputing the difference in amount. 

Creditor refused to validate the debt or provide proof of documentation.

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 2021-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
This is the second round of complaints on this sorry company The complaint before was they did not pay my homeowners insurance out of the escrow and they almost cancelled my policy. Now they have raised my house payment by {$310.00} a year with no explanation. They're always short funds in the escrow, never enough money this has to stop. They're committing price gouging. They were supposed to contact me to refinance my loan yesterday for USDA and the guy named XXXX XXXX no longer works there and they know nothing about the previous notes. I talked to this guy in XXXX to start the process. I want my loan refinanced today. I am sick of this company getting away with this. I keep asking for help for my family and their home. All this company wants is for me to close the complaints as soon as possible. I'm not closing it. Refinance my XXXX loan the government has lowered rates and XXXX XXXX won't let me refinance. They keep you on hold for hours trying to get XXXX loan officers on the line. Please help me get this resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im a victim of identity theft theres 3 inquiries on my credit report that doesnt belong to me and for some reason its not being removed the company names are. XXXX, the next one is Equifax MTG and also XXXX XXXX. I have never requested any credit from those companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
HAVE A FRAUDULENT CHARGE ON-LINE CHARGE ON MY APPLE CARD WHICH IS THROUGH GOLDMAN SACHS. THIS CHARGE IS FROM XX/XX/2020. AMOUNT IS {$560.00} & HAVE BEEN DISPUTING IT SINCE THEN. THEY LOOK INTO IT, CREDIT ACCOUNT TEMPORARILY THEN RE-CHARGE ACCOUNT NO MATTER WHO I TALK WITH FROM APPLE & GOLDMAN SACHS. I HAVE FINALLY RECEIVED A COPY OF THE CHARGE FROM GOLDMAN SACHS & ITEM WAS DELIVERED TO AN ADDRESS IN XXXX, PA. I ALSO RECENTLY FILED A FRAUD POLICE REPORT & SENT THIS IN WRITING TO THEM. AND AGAIN GOT A TEMP. CREDIT FOR A WEEK OR SO & THEN CHARGE RE-APPEARS ON ACCOUNT. NOT SURE WHAT TO DO AT THIS POINT? THX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Just over a year ago, I have leased a XXXX XXXX XXXX vehicle from Hyundai Motors. They recommended that I use one the insurances that works with them so I chose to do that. I placed {$2400.00} for down payment to start the lease. After that, I had the vehicle for just 3 weeks, an accident happened and the car became a total damage, a total loss. I have talked to the insurance and they paid for everything to Hyundai Motor Finance, every single penny. Even after that, Hyundai has been charging me every month as if I still had the vehicle with me like if the accident never happened. So I kept calling and calling and they finally answered and they told me that account will be closed for good and this was 2 months after the accident. So the account shouldn't go back to my credit saying that I owe {$500.00} and that I'm missing a couple payments. That dropped and ruined my credit so much because I always pay on time for everything!

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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
RE : ShellPoint Mortgage Servicing Account : XXXX I paid off my mortgage in full on XX/XX/XXXX. 
On XX/XX/XXXX, I received s Discharge of Mortgage notice and release of Lien. 

On XX/XX/XXXX, my credit report did not reflect the updated balance. I contacted Shellpoint and was advised that they needed 45 days. 
On XX/XX/XXXX, both XXXX  and XXXX still show my mortgage as open and owing {$50000.00}. I filed a credit dispute and on XX/XX/XXXX, XXXX fraudulently advised the credit bureaus that I still owed {$50000.00}. 
Today, XX/XX/XXXX, I contacted Shellpoint and they confirmed the {$0.00} paid in full balance, but would not assist me with the credit reporting dispute. 

Please accept this notice that I wish to file a formal complaint against Shellpoint Mortgage Services for failure to comply with the fair Credit reporting Act. 

Thank you. 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2021 I was trying to obtain a quote from XXXX. In order to continue and receive a quote I was required to enter my card information. However, XXXX/XXXX, upon my card information being entered, immediately charged my KeyBank checking for {$390.00}. I then called XXXX to resolve the mistake they had made. However XXXX/XXXX told me they would not refund any of my money and to contact my financial institution. I then called my financial institution, KeyBank, and informed them of what happened. KeyBank opened a dispute, and mailed out paperwork for me to complete on XX/XX/2021. I did not receive that paperwork until XX/XX/2021. I completed the paperwork and mailed it out certified on XX/XX/2021 and also took the paperwork to a KeyBank branch to have it put in the system that way as well. While I was in the midst of doing all this KeyBank closed my dispute saying that the transaction was authorized, when indeed it was not. I called KeyBank to let them know when I received the paperwork and the representative, XXXX XXXX, on the phone even said that the mail is severely delayed. But that the dispute was closed and that there is nothing more that KeyBank will do, and that I am just suppose to be ok with losing {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit
State: NJ

Complaint narrative:
VW credit did run my credit four times. According to the document I signed. It was supposed to be one credit run in XXXX however, they did run my credit four times causing my credit to decreased almost 40 points. Now I cant close on my mortgage. 
I did mail them letter but haven't heard from them. Hopefully you guys can help me with this situation. 
This is their address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX VOLKSWAGEN CREDIT XXXX XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an unknown account on my credit report. It has been over 60 days and I have not received a response yet. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) of the FCRA plainly states that failure to investigate items within 30 days gives reason to immediately remove inaccurate items from my credit report. It has been over 60 days so they should be deleted promptly.

I demand these items be deleted immediately or I will be forced to file for litigation due to the stress that has been caused as a result. My information was impacted by the Equifax data breach and ma
y have gotten into the wrongs hands as a result.

I would be greatly appreciative if this manner was handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: RI

Complaint narrative:
Coinbase has denied me access to the digital assets in my account ( valued on XX/XX/XXXX at approx. {$270.00} USD ) Coinbase claims that it is verifying my identify - for over 50 days.

I have submitted all required information and have offered to submit any other documentation it requires. 
I have attempted to contact Coinbase repeatedly via its support page twice a week since XXXX and receive no reply. 
Coinbase has no ability to receive customer related phone calls. 
Personal information was not required to hold digital currencies when my account at Coinbase was opened around XX/XX/XXXX. ( Id verification was only needed by Coinbase to sell digital currency and send the funds to a recognized bank ). 
Around XXXX XXXX A change was made requiring personal information be submitted and no option was offered to allow me to withdraw my digital assets unless I complied ~or~ if a choice to withdraw my digital assets was offered when I then attempted to comply by verifying my identity the system chose to not allow me to withdraw my digital assets claiming ever since they still need time to verify my identity. 
I acknowledged in my communications via the Coinbase support page - at the beginning of not being verified that because I was a US citizen living in XXXX the verification of myself could potentially require extra attention. Like my other attempts to communicate with Coinbase, this message was ignored. 
I continue to offer to provide any additional and all required information that is needed to verify my identity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 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: OH

Complaint narrative:
I sent TransUnion a letter with a list of unauthorized inquiries they literally never responded back it's been over 45 days since I sent the letter out.

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