vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
XX/XX/2020 I currently reside in XXXX, AZ and my phone has an XXXX XXXX prefix. My mailing billing address is in Georgia. On more than one occasion Ive told Ally Financial my living arrangements and medical condition. I continue to receive calls at inappropriate and inconvenient time. Today at XXXX PST ( XXXX EST ) I  received a call from ( XXXX ) XXXX and at XXXX PST another from ( XXXX ) XXXX ( XXXX EST ). On the second called the agent could barely pronounce the name correctly, and when asked who this was she went right into the call is being monitored and record ... I advised the agent the in the spanned of four hours youre making my phone ring multiple times in a day after a voicemail was just recently left. The agent said the account is in collection and they can call as many times as they needed. I told the agent to shut her mouth, she can not make my phone ring Unnecessarily. I also advised the agent the call was at an inconvenient time and she still wanted to proceed with the call. I told the agent to shut her mouth again, the agent said sir your a grown man dont talk to me like that, Ill just call your family. I believe the agent name was XXXX or XXXX. I also recently made a payment on the account on XX/XX/2020 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 explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX my Stimulus payment came in to my account. I had a negative balance of {$710.00}. I was relieved to know that I had this extra stimulus money to catch up my account plus a little extra as a cushion. On XX/XX/XXXX Wellsfargo gave my account a TEMPORARY CREDIT in the {$710.00} amount. When I called and asked what this was they stated that it was a temporary credit so that I had access to my full stimulus payment and that I would need to pay the {$710.00} back in 30 days. I asked that they remove this temporary credit from my account as I do not want to be responsible for paying them back in 30 days. I was told I had no choice. After doing my research, all other banks that are doing this are giving their customers 90 days to repay the credit. 

So my issue is Wellsfargo is stating they want their customers to have the full amount of their stimulus so they issued this credit. However, when you have to put aside {$710.00} of your stimulus so that it is available for Wellsfargo to take back in 30 days, how is that helping anyone? I live in Nevada and the State is still not open. How does Wellsfargo think that anyone is going to have the money in 30 days if they didn't have it to begin with? Why is Wellsfargo not giving the Customer the choice? Honestly all this did was stress me out even more having to babysit the money for Wellsfargo.

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 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
It will not let me file another complaint using " debt not owed by me '' but I have evidence of IC Systems removing their accounts from my XXXX  credit report but failing to do so on my XXXX report. I indicated that I had no knowledge of the debt, because I don't, and they removed the collections account from my credit report. Below are dates from XX/XX/2018, XX/XX/2018, and XX/XX/2018. On XX/XX/2018, all three accounts are shown. On XX/XX/2018, only one is shown. On XX/XX/2018, none are shown. 

It is illegal for a debt collector to report inaccurate information to one credit bureau and delete collections from another bureau. All information, whether accurate or inaccurate, must be reported the same across all three bureaus. This company will face legal action from myself if not removed 30 days from receipt of this complaint. This debt is not mine, hence why I disputed it, and want it removed 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 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc.
State: VA

Complaint narrative:
Submitted complaint to XXXX on XX/XX/XXXX Received follow-up report on XX/XX/XXXX Concerned with debt collection from Credit Management Control on behalf of XXXX XXXX. They claim this belongs to me. I have NEVER lived in Texas where these charges stem from. 

Credit Management Control has been contacted. Now they are sending the past-due bills to my home in Virginia. I have lived in Virginia full time since XXXX. 

I have provided CMC proof of my identity and my residence for the past three years even though these bills only go back two years.

They have assurred me they are removing it from my report, but the information I received from XXXX  is that they are not going to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
Multiple calls from the debt collector ( NCC - XXXX, case XXXX ). After speaking with them they are refusing to disclose the actual debt due to the Town of XXXX for personal property on a prior owned vehicle. According to the Town of XXXX, we have never had an outstanding balance on any of our personal property accounts for our vehicles. Debt collector claimed to have sent documentation but none was ever received. This debt collector is continuing to harasses us for fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed these accounts a few times. A few years ago when the XXXX breach occurred, I checked my free credit reports for all 3 bureaus and noticed Capital one accounts # XXXX for {$370.00} & # XXXX for {$420.00} were opened fraudulently on XX/XX/XXXX, both accounts were then acquired by XXXX XXXX XXXX on XX/XX/XXXX. Today, XX/XX/XXXX, I sent an email to XXXX. I have also sent a copy via mail to this office CFPB, XXXX, FTC & Massachusetts AG office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
My unemployment money has been going on a prepaid debit card by a company called Go Program - The Dept of Labor has been issuing my weekly payments since XX/XX/2020 and I have yet received this debit card - the phone number of XXXX is impossible to reach anyone - when you call it just hangs up on you - if you attempt to look online and register with this company you have to have your card number - I have no card - I am sitting here about to get evicted from my home with my two young children because no one will answer the phone - I have a total of over {$5600.00} on this card and no way to get it - the Dept of Labor has done its job but it is impossible to get anyone to even ask about where the XXXX my card is - I understand the world is in crisis right now and they are overworked and very busy but XXXX I have called every day at all times of the day and night for weeks and have not one time ever been able to talk to anyone - when I get evicted with my children I will be filing a lawsuit on this company for holding funds that do not belong to them! that is theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
A credit card was opened in my name from Best Buy when I was XXXX years old. It has been negatively affecting my credit for years and shows I owe thousands of dollars. I recently checked my credit and was appalled Best Buy has been charging me for years without any notice to me or my guardians.

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 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was on a payment plan to catch up on mortgage from XX/XX/XXXX to XX/XX/XXXX. I made all payments as scheduled. ShellPoint Mortgage Servicing then sent statement on XX/XX/XXXX that identified a late payment needed to bring account current. I called ShellPoint to find out what the issue was, I had all my Credit Union statements showing each payment processed, where I processed every payment on ShellPoint Mortgage 's web site payment system. My CSR, XXXX XXXX, researched the issue and said it was corrected. On my XX/XX/XXXX statement an overdue payment was still showing. I tried several times to contact ShellPoint and they are not returning calls or emails I have sent.

I will continue to try and get a response to my issue. I need assistance from CFPB to help facilitate my issue being resolved. In addition, after reviewing many of my statements from ShellPoint Mortgage Servicing, since servicing was transferred from XXXX  XXXX XXXX, I see several transactions I do not understand and are confusing. If possible, can someone help in auditing my mortgage servicing to identify possible additional fraudulent servicing issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: AL

Complaint narrative:
I have several outstanding 0 % promotional balances with Discover Card, they sent me an offer for a 3.99 % offer that lasts for 15 months. When I made a payment to pay off a 0 % balance transfer that was expiring they applied the payment to the 3.99 % balance transfer instead of the the expiring 0 % offer and converted the expiring 0 % balance to a puchase which they charged 14.99 % interest on. When I spoke with them they stated it is in the terms and conditions and it was spelled out in the balance transfer offer on how payments are applied and they would not change anything. I asked which section of the terms and the conditions it was spelled out and the representative said he did not know. He finally agreed to mail me a copy of the terms and conditions. He refused to provide it electronically even though that is how I accepted the offer. This balance transfer offer was misleading and deceptive in that it was not clear that accepting a low interest balance transfer was going to cause a balance to convert to a purchase and incur higher interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.

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 2020-05-07 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: AR

Complaint narrative:
I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.

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 2020-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of XXXX my car was repossessed a day before XXXX. I had no knowledge this going to happen. I was experiencing a financial hardship due to my recently finishing school so I was not working full-time. I had called Capital One and explained this and they first tried to assist me but this was a difficult time personally and financially. When they took my car, I was devastated and it really took a toll on me but to make matters worse customer service was very rude when I tried to find out where my car was to get my personal belongings out of it. After some time went by I tried to resolve this matter but my car has been sold. I was never sent a letter about a auction, I was never given any information on how to get my car back. One day a customer service rep called me and stated that the remaining balance on my car was XXXX. I asked her to send a breakdown of this bill, she never did. I also asked her when was the auction held and why wasnt I notified, she was very rude and never answered my questions. After that I checked my credit report a few months later and the charge was there. I never got a bill! My XXXX kids and I had to walk and catch the bus for 2 years as a result of this. I tried to reach out to Capital One and they will not provide the information or take it off my credit report with XXXX  and XXXX. They are actually still reporting it late! 37 late payments but I dont have the car and the account is closed. It also states that I am being charged interest and that I made a payment in XX/XX/XXXX which I never did because I never received any further correspondence. I am respectfully requesting that this account be removed from my credit profile immediately as I have tried to resolve it with Capital One Auto and still no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
opportun is falsely reporting my acct. on XXXX my credit report indicated that my balance increased between XX/XX/XXXX and XX/XX/XXXX and that my balance increased from {$490.00} to {$510.00}. Also that I am 30 days behind. This is incorrect. 

I made the following payments {$100.00} on XX/XX/XXXX, {$50.00} and {$14.00} on XXXX. Between XX/XX/XXXX and XX/XX/XXXX my balance should of been around {$390.00} not {$510.00}. 

I spoke with A mgr at ( XXXX ) XXXX on XXXX who informed me that they report a month behind and that my report is reflecting data from XXXX. If thats the case then why does it state between XX/XX/XXXX and XX/XX/XXXX. 

I did dispute through the credit bureaus and Oppprtun indicated it was correct. 

Please have this investigated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
There are several inquiries on my credit report from different companies. Bank of america especially. I have had an account with them since XXXX last year. someone is fraudulently trying to open accounts with my social security number. I have not had a reason to inquire about anything else since i got the account so i do not understand why there are several inquiries after the opening that are showing. XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX /XXXX XXXX, XXXX / XX/XX/XXXX / XX/XX/XXXX / XXXX XXXX XXXX all dates after the opening of my account that have been pulled for no reason. there are several for XXXX XXXX as well. this is absurd.

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 2020-05-07 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: DISCOVER BANK
State: MA

Complaint narrative:
Below is the letter sent to XXXX  begining of XXXX and they still refuse to respond. 


XX/XX/2020 To : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Re : Not able to access my account/XXXX  refusing to verify my identification, and reporting in correct information. Then refusing to allow me to dispute the information saying they can't verify me. 

Im writing this letter because XXXX  will not allow me to access my credit file, I have provided all identification information online and over the phone and XXXX claim you can not verify my identity. In addition, XXXX  has caused Discover to close my account because XXXX  stated they could not verify my identification provided through the requested form 4506-T Discover submitted. 

I called and spoke to an XXXX  representative on XX/XX/2020 regarding this issue and was told that XXXX  doesnt have enough information to verify my identification. This I dont understand knowing that XXXX  is taking in and reporting out information on me. The representative said I need to send in a copy of my State ID/Drivers License and Social Security Card. 

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but XXXX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now Discover closing my account due to XXXX  neglect. 
Attached is a copy of my Drivers License and Social Security Card, as  requested. I need access to my XXXX  account and I need XXXX  to provide the requested information that Discover asked for so that maybe they will reconsider re-opening my account. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: NY

Complaint narrative:
There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$890.00} COLLECTIONS XXXX {$590.00}

Company response to consumer: Closed with explanation