vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with Ally on a vehicle I traded in and paid off and opened a new loan. Ally sent ZERO information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, Ally did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and Ally should be held accountable. As stated by them there were many consumers effected by this and clearly Ally is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what's really happening? Please help me out! 

This Collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
This is not my account I have not been hospitalized so why am I getting charged for something that isnt mine. You guys need to remove this from my credit because if you look at my credit history I pay all of my things on time. This is wrong and you guys need to delete this off my credit 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 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report .I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out! 

This collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) 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 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
out of work for 2 months for covid stayat home order. made plenty of oaynents in good faith to amex. i of course have proof how we were paying them. they call my home all day up to XXXX at night. i asked them to not keep calling me that there was a pandemic and we have been paying you. they said ok theyll cease and desist XXXX hung up. next thing i know they reported me deliquient and made my perfect XXXX score to XXXX they specifically said aa long as im paying them theyd not report me. they asked me for {$2600.00} per month and weve paid {$5000.00} payments in less than a month. unreal how to treat people at their worst time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a call from Portfolio Recovery on XX/XX/2020 at XXXX XXXX CST. The caller ID had been changed to XXXX XXXX XXXX  which is a company I currently have an up to date credit card with. When I answered the phone thinking it was regarding a possible fraud alert on my card the caller identified herself as being from Portfolio Recovery to collect a debt from XXXX XXXX. I called back the number they called from and it was indeed from Portfolio Recovery and had nothing to do with XXXX XXXX XXXX. I have an issue with this as they not only misrepresented themselves but used information within my credit file to do so. I have a screenshot of the call showing the caller ID and the number that they called from as well as the date and time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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: IL

Complaint narrative:
I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with XXXX on a vehicle I traded in and paid off and opened a new loan. Ally sent XXXX information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, XXXX did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and XXXX should be held accountable. As stated by them there were many consumers effected by this and clearly XXXX is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.

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 2020-08-14 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I leased a vehicle through GM financial in XX/XX/XXXX. It was a three year lease - I kept current on the lease until the end of the lease ( XX/XX/XXXX ). I returned the vehicle, all payments current. In XX/XX/XXXX, I received a notification that I had delinquent marks on my credit report by GM financial. They had marked my credit for late payments for XX/XX/XXXX-XX/XX/XXXX. In a panic, I contact GM financial. I was told it was an error on GMs end and that I would receive a letter and email to send to the credit reporting agencies to get the marks removed. They also indicated they would contact the credit reporting agencies on my behalf. Two weeks have passed and I have yet to receive anything in the mail or via email from GM financial, as promised. After checking my credit report, they have now marked XXXX late, which is also grossly inaccurate and negligent on their end. I contacted them again today to no avail and submitted a complaint via their website. I need this rectified, as GM is inaccurate reporting to the credit bureaus and damaging my credit without merit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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: IL

Complaint narrative:
I am writing to complain about an online systems malfunction, lack of customer disclosure, and an unwillingness to make things right that resulted in a late payment mark on my credit report for my Capital One / Menards BIG credit card, which has now stayed on my credit report for over 2.5 years. This has negatively impacted my ability to receive home loans, and has costed me hundreds of dollars in additional interest and fees.

When I opened the account, Capital One forced me into the paperless option to save themselves money, but denied me online access to view my bills. Due to a technical error, I could not set up my online account for the first 6 months after account opening. Realizing the problem I would have with a potential late payment, I set up monthly automatic payments of {$40.00} - the minimum monthly payment amount. 

Little did I know, the minimum monthly payment increased by a few dollars several months later, causing me to receive a late fee. This step-up in fee was inadequately disclosed to me in the account terms. 

As a result of this, in XXXX I was past due with a balance due of {$7.00}. There was no attempt to contact me nor did I receive any monthly bills informing me of this. I was charged a late fee of {$25.00} that month. This late balance continued to grow and accrue more late fees, despite me paying {$40.00} each month, which was the minimum payment shown to me when I opened the account. Eventually, in XX/XX/2018, I received a negative mark on my credit. Noticing this, I immediately got in touch with Capital One and made a large payment of {$200.00}, but the negative mark remained. 

My otherwise excellent credit history has been tarnished by Capital One 's unreliable technology, lack of disclosure, and lack of concern  for its customers. Capital One denied me access to view my bills online, did not send me paper statements, and despite making regular payments each month in the amount of {$40.00}, hit me with a past due negative mark on XX/XX/2018. Despite contacting them directly, and initiating 2 separate disputes through the credit bureaus, they have ignored all my attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
In XXXX of 2020 I was contacted by a collection agency -- Oklahoma FMS -- for a " debt '' that I was unaware of. I disputed the debt and in XXXX they provided me with information they received from the " creditor, '' Synchrony Bank Pay Pal Credit. This consisted of a bill showing a series of charges made in a seven day period. Part of those days I was camping and not near any merchant. All the nine charges are either {$29.00} or {$29.00}. 
I requested Synchrony bank to provide me with the name of the merchant and the nature of the charges because neither was shown on the information I received from Synchrony Bank. 

They were not able or were unwilling to do so. Now they have hired a different collection agency, XXXX XXXX XXXX and I have disputed this debt with them.. 

The series of charges is highly suspicious because of the dates incurred and the similarity of the charges. Additionally Synchrony bank did not have my current address. The address they had used in the statement provided to me by Oklahoma FMS had not been my address for more than two years. I was not aware that I had a charge account with Synchrony Bank or Pay pal. 
I believe I did not incur any of the charges so I dispute the validity of this claim.

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 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
After closing my account due to fraudulent charges on XX/XX/XXXX, I was told I would receive my lost money in 7-10 business days in the form of a check. As of XX/XX/XXXX I still have not received a check or any forms of communication about the fraudulent charges inquiry. I also have transactions that were refunded via XXXX to this account that I have also not received compensation for. At this point the fraudulent charges total {$72.00} and the refunds via XXXX transactions total XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
today XX/XX/2020 I submitted a Public Service Loan Forgiveness Employment certification form to my HR department to complete and apply towards my loan forgiveness. I was informed by the HR department that I currently have a Per Diem job code and not " full time or part time '' therefore, could not check off one of the only boxes that is provided on the form. I currently work at a XXXX  in a XXXX XXXX XXXX, helping XXXX XXXX  XXXX, I also work in the XXXX XXXX and XXXX XXXX XXXX helping the XXXX population. Since XXXX I have been working over 36 hours it has been around 48-52 hours weekly. I was under the impression that I could do this since on the instructions of the PSLF, page 5, under employment eligibility, 4th paragraph, it mentions, " Generally, you must meet your employer 's definition of full-time. However, for PSLF purposes that definition must be at least an annual average of 30 hours per week ''. This leads me to believe that PSLF had other options of verifying as long as 30 hours per week were verified. I called Public Loan Forgiveness today and spoke to a supervisor, XXXX, with badge number XXXX or XXXX and she mentioned that my employer had to select either full time or part-time and that there were no other options that could be considered to verify the average hours per week. I asked why there were no other options, and read out loud the instructions on page 5 and informed her how this paragraph is misleading and appears to have a system flaw. I informed her that the majority of XXXX in the U.S. are considered government organizations and how Per diem options were being over looked, specifically for XXXX as there are 3 codes : full time, part- time and Per diem. I was informed since my employer does not want to check off full-time or Part time then my certification would be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I used a company called Coinbase to purchase {$100.00} of bitcoin back in XX/XX/XXXX. Bitcoin was trading around XXXX when I purchased it. After a couple weeks it more than doubled and there was almost {$300.00} in my account. This is when everything started to go wrong. They literally will not let me cash my money out. I have transferred my Bitcoin to the " XXXX XXXX XXXX  '' as instructed. They approve the withdrawal and then ask for documents to confirm identity. Every time I would submit documents to finally get the money there would be unknown errors and other issues with the technology. Ive tried by cell phone and personal computer. It was very easy to submit these documents when I deposited the money. I have send dozens of emails and called the number which no one has ever answered. The email responses are automated and are unhelpful. 

On Wednesday, XX/XX/XXXX, I tried to submit another request to get my money and close the account. I again transferred the money and submitted withdrawal requests. This time I sent a nasty email that said to close my account and give me the money I just withdrew. I received a response that just said, " we closed your account ''. So now my account is closed. I have no access. My money is still in there. They are ignoring all my additional emails and cries for help. This company is the most unethical banking organization I've ever dealt with ( which says a lot ). These evil people only help when you want to deposit money. Everytime I try to withdrawal there is an error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Starting approx XXXX of XX/XX/XXXX to XX/XX/XXXX, I have received several small charges from two unrecognizable online sources. These sources were " XXXX XXXX '' and " XXXX '' These charges were numerous and for generally small amounts, {$25.00} or less, spread out over 4-5 months. I contacted Bank of America to report the issue and file a claim/dispute for the total amount of {$480.00}. 

I received communication from BoA that the claim was denied. When I called them to verify and escalate the issue, the representative stated all I needed to do was fax them a request to reopen the claim and call back to ensure the fax was received. 

I called back BoA on XX/XX/XXXX to see what the status of the re-opened claim was, and was informed the claim was denied and that it was denied because the charges were reported too late. I informed the agent that I explained the situation to the original agent when filing the claim, that due to the relatively small amounts being charged, I did not notice. The agent stated that I logged into mobile banking several hundred times and that I should have noticed with the implication that this was my fault. She stated that I needed to file a police report, which I have done.

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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I attempted to contact them and let them know that I did not sign up for classes with this school. I was a child and my aunt and uncle had total control over my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: DISCOVER BANK
State: AZ

Complaint narrative:
XXXX DISCOVER XXXX XX/XX/XXXX {$16000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} These accounts was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a customer of Chase Bank for over a decade. They have my mortgage and I have a checking account with them. I live in XXXX County in California. The only two branches of Chase in XXXX County are in XXXX ( the County seat ) and XXXX ; both of these branches have been closed for at least 10 day. To make matters worse, the ATMs at these branches will not accept any deposits or disperse cash. This has created a hardship on many residents of this area. There was no advanced notice of this closure. Many people have gone to other banks and have been charged fees to use that bank. I drove to XXXX XXXX, 70 miles each way. 
I have spoken to representatives from Chase on three different times and I have contacted them via web and e-mail twice. 
Up until this happened, I was happy with Chase and I do not take any pleasure in reporting this to the Federal Government, but something needs to be done to correct this problem. 
I have a news paper article about this issue and pictures of the closed branch in XXXX taken midday on Monday, XX/XX/XXXX.

Company response to consumer: Closed with explanation