vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I scheduled my XX/XX/XXXX payment on Ally Financial 's App portal to be deducted from my bank account on XX/XX/XXXX for {$660.00}. My bank notified my husband on XX/XX/XXXX stating that Ally financial tried to debit the account for the late fees plus payment due on the account for the month for {$3000.00} on XX/XX/XXXX 4 times in one day which caused {$120.00} in bank fees for insuffcient funds. Mine and my husbands account on XX/XX/XXXX had a total of XXXX to cover the car payment that we've consistently paid {$660.00} on or about the XXXX of each month for the car loan payment. The bank stated that Ally Bank resubmitted the same payment for {$3000.00} on XX/XX/XXXX, and XXXX one time each. We sustained a total of {$60.00} for insufficient funds fees. We processed an online portal to Ally Financial requesting to cease processing any amounts in excess of the {$660.00}. The response was to contact my bank to place a stop payment. After {$550.00} in nsf fees we placed another online payment and made a complaint with ally stating they caused my payment to fail and be late. On XX/XX/XXXX Ally financial reported a 30 day lateness on my credit file on XXXX. I want my credit report corrected and the 30 day late payment removed. This will hinder me from closing on my new home due to their computer breach and error. 
On XX/XX/XXXX my husband spoke to Ally Financial Reps, XXXX, who submitted a ticket to remove late fees and XXXX, in customer service, who refused to submit a ticket to correct 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 2022-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine. 

XXXX 1. XXXX Account Number : PXXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine. 

experian 1. XXXX Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/XXXX, my wife and I applied to refinance our existing mortgage with PenFed Credit Union and received an initial loan estimate. Section C of the loan estimate listed the following fees as fees that we can shop for : Title Service, Settlement Fee and Overnight Fee. My wife and I promptly informed PenFed on XX/XX/XXXX that we would like to shop for all 3 services and informed PenFed of who would be satisfying the services. On XX/XX/XXXX, my wife and I received another loan estimate from PenFed and those fees noted above were all listed under section C, still. On XX/XX/XXXX, PenFed sent my wife and I an initial closing disclosure where the Title Service fee was listed in section C but the Settlement Fee and Overnight Fee was migrated to Section B, the section where fees are listed that we can not shop for. My wife and I promptly contacted PenFed and we were told that we can use our own settlement attorney or an additional fee but my wife and I would still need to pay the settlement fee for PenFed 's attorney. My wife and I contested this decision since this was not what we were informed of and contradictory to all communications throughout XXXX and XXXX with various representatives at PenFed. Moreover, the Overnight Fee was not a fee to be collected by my wife and my attorney. XX/XX/XXXX my wife and I receive an updated final closing disclosure that includes a lender credit to cover the XXXX XXXX for PenFed 's attorney but there is no lender credit for the Overnight Fee ( {$90.00} ). Additionally, there's a new fee ( {$60.00} ) to cover the cost to satisfy an old lien that PenFed left outstanding on my wife and my home. My wife and I promptly contacted PenFed and we were informed via verbal communication and email that we should close the loan and that the concessions for the {$90.00} and {$60.00} have been submitted and that following the closing, my wife and I would receive a refund for those fees. My wife and I closed on the refinance of our home on XX/XX/XXXX. XX/XX/XXXX, my wife and I contacted PenFed to inquire about the refund of those fees and we were told that the {$60.00} wouldn't be credited because this was a fee that they believe they shouldn't cover and the {$90.00} overnight fee will not be refunded since the fee was migrated from section C to section B and my wife and I closed on the loan knowing these fees were chargeable. Albeit small fees, it is wrong that PenFed deceptively listed the fees as those we can shop for then conveniently slides the fees to the section of fees that can not be shopped for. We believe this was intentional and that it's important for other consumers to be aware of these financial practices and lack of transparency from PenFed.

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 2022-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
We did a 15 year refi on our current home, that closed on XX/XX/XXXX. As part of the refi, Chase was so pay down our current HELOC to 0 and roll that into the refinanced amount. Even though everything is through Chase, I received a paper check from the title company, made out to Chase, drawn from a Chase account. I called the title company and after requesting some information from me, they wired the proper amount to Chase. However, Chase now refuses to let us access our HELOC without documentation saying it was a pay down, not a payoff. I've been going back and forth between the title company and the Chase refi servicing department for almost a month and we still can not access our HELOC. We are not in need of the money now but it is our back up funding for our daughter 's wedding in XXXX. Yesterday, the title company shared an email received from Chase, saying I only need to call to have the HELOC reactivated but I'm currently on hold with Chase, who have no idea what I'm talking about and still will not reactivate the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/ 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-05 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was victim of identity theft and there are unauthorized hard inquiries on my TransUnion Credit Report :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX I was victim of identity theft and there are unauthorized hard inquiry on my XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-01-05 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: CA

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Through XXXX servicers I have requested an accounting of my modification payments and why they were never applied to my loan causing the modifications to be in default. After XXXX, a judgment not including these payments numerous copies of the payments the last servicer concedes the previous servicers never applied the payments to the loan. But they claim at this point there is nothing they can do since they only serviced the loan. Wilmington Trust claims even though they own the loan they have NOTHING to do with the money so there is nothing they can do. How is that possible if they own it? 
Just more excuses to take the home and the equity I built up. So basically no one can do anything because no one controls the property or has anything to do with the money. So I should just go back to court show them how they admit payments werent applied show the accounting show the fraud of false affirmations by Attorney and servicers and have the judge decide who is responsible and who can do what they legally should since XXXX told me to contact Wilmington Trust and Wilmington Trust says contact 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 2022-01-05 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: I.C. System, Inc.
State: PA

Complaint narrative:
I got an alert from XXXX XXXX stating that I had a new collection pop up. I then got a letter from IC System stating that I owe {$4900.00} for a XXXX XXXX. I called IC system and they informed me that this is a XXXX XXXX for an address in XXXX, PA. I told them that I never lived there nor know anything about the address. IC System asked me to provide proof that I lived elsewhere during that time frame and and I mailed that it. they then asked me to file a police report and I have done that too. This negative mark has drastically dropped my credit score and has been a complete defamation of character. I regularly use my credit for my business and this has stopped me from doing so. The incident number from my police report filing is XXXX. The XXXX XXXX police dept does not release the actual police report but just the incident number and i will upload proof of that. 
IC Systems will not remove the negative reporting even though I took every step that they asked of me.

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 2022-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This was allegedly an amount owed to an eye specialist ; however, I had no outstanding debt to the provider. After my physician left the practice, probably a year or so after I was seen, I was billed {$130.00} out of the blue through a collection agency. Again, I had NO balance due to the provider after my procedure as I had paid all charges. Now, the collection agency is maintaining their negative reporting on my credit reports, although they show it as paid. I dispute the amount was even owed, but likely paid it when refinancing my mortgage in 2019. 

They have not provided me with any proof that the amount was even owed, especially in light of the fact that this was sent to collection at least a year after services were rendered and NO BILL was received by me ; therefore, this account should be completely removed from my credit report. Theirs is the only negative mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CA

Complaint narrative:
On XX/XX/ 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NY

Complaint narrative:
On XX/XX/XXXX I received a phone call from IQ data international Inc [ phone number : XXXX ] a debt collection agency inquiring about an open debt in Florida where I appear as the debt owner or co-signer of {$12000.00} related to a moving service or a storage facility back in XX/XX/XXXX in Florida. I explained that I have never lived nor know anyone in Florida and that I didnt recognize the debt she was referring to. She started to request my mailing address that I didnt disclose and she tried to convince me that the call was legitimate by saying my XXXX ( which was correct but she could have search on social media ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
unable to use their voice system, chg XXXX inst-rest and a cr of XXXX from XXXX did not show up,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a student loan for years with wells fargo, and it just recently in XX/XX/XXXX was transferred to another loan servicer called XXXX " XXXX. '' However, right before this happened, I was on a covid-19 forbearance since mid XXXX, and I called in to initiate it. The Rep explained that I didn't have to worry about payments as long as I was on the forbearance. 

The issue is that I asked in XX/XX/XXXX if there was additional forbearance available to me due to covid hardships, and I was told there was not by the rep at Wells Fargo. They also told that there was nothing they could do because the loan was transferring in the next 2 months. Because of their inability to help me, I could not make my monthly payments for XXXX and XXXX on time. 

But after my loan was transferred to XXXX XXXX, XXXX confirmed that I had forbearance available to me the entire time with wells fargo, and could somehow take advantage of it now that the loan had transferred to XXXX XXXX 

Wells Fargo again has taken advantage of it's clients in hardship, and refused to abide by their own terms and conditions because they didn't want to process a forbearance before a loan was transferred. They lied and said there was nothing they could do, and that I had no forbearance available. XXXX XXXX filed a dispute with wells fargo on my behalf, but as soon as the loan transfer was complete, wells fargo refused to fix their mistake and claimed the student loan department was dissolved except for existing loans not already transferred. 

Due to the negligence, lies, and deception of Wells Fargo 's refusal to process my available forbearance, I have a late payment for XX/XX/XXXX, and XX/XX/XXXX. I want these late payments removed immediately. I haven't had a late payment since XXXX, and had to file Bankruptcy at the beginning of Covid as well. This is seriously hindering my ability to build back my credit, and should have never happened in the first place. It's shameful. 

I was able to use the forbearance time I accrued at wells fargo with XXXX XXXX immediately to backdate and start at a zero balance moving forward. But they said they could not delete wells Fargo 's payments no matter how hard they tried. 

Do you know how bad it looks to go through bankruptcy and still be missing payments while trying to rebuild credit. It's been an uphill battle ever since and should have never happened if wells fargo just did the right thing.

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 2022-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have a mortgage and HELOC with US Bank. Due to XXXX, I entered an 18-month forbearance plan on both accounts. The mortgage loan was successfully modified in XX/XX/XXXX and is current. I resumed interest payments on the HELOC on XX/XX/XXXX, and have made monthly payments since. US Bank claims they have not heard from me on how to proceed with exiting the forbearance plan nor have they given me options by sending documents to defer or modify as they did with the mortgage loan. They sent a letter on XX/XX/XXXX, stating if they don't hear from me by XX/XX/XXXX, the forbearance will expire and I will be required to pay the outstanding balance due in full of {$20000.00}, due by XX/XX/XXXX. I do not have the resources to pay this balance. I have tried getting in touch with them multiple times. Each time I call the customer service number, I get rerouted to different departments and do not successfully connect to someone who can help. I'm on the phone for several hours each time I call. I am worried US Bank will move this account to collections and I have tried to reach them regarding this issue 5 different times to no avail. Please advise. Thank you.

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