vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/2019, attempted to online ACH transfer {$50000.00} from my Ally Interest Checking account to my XXXX XXXX ( have done this in the past without issue ) ; was unable to and called into their Customer Care ( XXXX ) ; Customer Care told me it would take 1-2 business days to resolve. Provided case number XXXX for tracking. 

XX/XX/2019, called into Ally to check on progress of case number ; was told they had never seen this issue before and asked me to confirm I wanted to ACH transfer to my XXXX account they had on file ( I confirmed ). They offered a wire transfer, but I requested the ACH transfer be fixed instead as I did not want to go through a wire each time. 

XX/XX/2019, called into Ally to check on progress, was transferred to their " Back Office '' which handles fraud. Back Office informed me there was no hold on my account that would indicate any issue and that they could not help me. Transferred me back to Customer Care and ask for a supervisor. Supervisor also confirmed they had never seen this issue before and that it would take another 3-5 business days to fix. This is unacceptable to me so I requested a wire transfer from my Ally Interest Checking account to my XXXX XXXX account. Issue is still unresolved.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name and date of birth is reporting incorrectly on my credit reports XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Multiple addresses that is incorrect is reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I submitted for a mortgage refinance and my last mortgage payment with the previous lender ( 53 bank ) was delayed. On XX/XX/XXXX the payment went on but I didn't no so I processed a second payment that went on XX/XX/XXXX. 

My old loan closed for the amount of {$380000.00}. The extra payment that I did on XX/XX/XXXX included an interest amount of {$1100.00}. That interest amount was extra as they've already charged me {$1100.00} interest on the payment from XX/XX/XXXX. 

They've calculated my escrow refund at {$4000.00}, which included the escrow from XX/XX/XXXX and XXXX payment, but not the extra interest fro, XX/XX/XXXX. 

I tried contacting 53 bank numerous times and they argued over the phone with me saying that no, everything is correct on their side and nothing is wrong with my loan payoff, when in fact I paid them {$1100.00} extra in interest. Please see attached all the documents supporting my view. 

My loan closed in XXXX, which means I should have been charged 9 months of interest for 2019 ( 9 months x {$1100.00} = ~ {$10000.00} ) but I actually paid them {$11000.00} in interest for 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
I purchased furniture from a store in XXXX. Upon believing that I was paying off my loan in the advertised six month period I found out it was actually a three month span. I was mislead by the loan company and not able to see my contract until it was later emailed to me after the purchase. I did not realize the terms and owe {$2200.00}. Twice the value of my merchandise. I payed all payments on time. The payment was structured and advertised to pay XXXX every two weeks. At this rate the full principle would have been paid at the advertised six months. However the hidden 101 day period was not made clear to me or explained until after the purchase in the emailed contract. Protection of the furniture was declined as I had renters insurance. However it was still charged and the document was sent to me showing that I had accepted the protection payments as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: TX

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
XX/XX/19 @ XXXX XXXX : Was called by " Lendgreen '' rep XXXX in a demanding manner, asking my whereabouts to location. I explained that this was d/c in a BK case and rep rudely interrupted and sarcastically said he was surprised they never got the information. He tried to verify my address with an address he had on file and I declined to answer. Call lasted one minute XX/XX/19 @ XXXX XXXX : Called XXXX & attempted to speak with same rep & next rep refused to provide name & attempted to verify last 4 of social. I declined to state last 4 of SS & advised they needed to stop calling. Rep rudely demanded I tell him my last 4 otherwise he would be unable to make any changes into the account. I again politely asked for them to stop calling. Call lasted one minute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Atlast loans is calling my previous employer, I no longer work there and they are continuously calling them for me. They have already been advised no to call my employer and they are calling previous employers now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name and date of birth is reporting incorrectly on my credit reports XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Multiple addresses that is incorrect is reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX of 2018 a new account was placed on my credit report by Portfolio recovery, llc stating that I owe the {$1400.00} as they are trying to acquire this amount on behalf of XXXX XXXX XXXX. Prior to this another company tried this same tactic as at that time I was unaware that my identity was stole and used to obtain a credit card from XXXX  XXXX XXXX, immediately on receiving this I sought professional help and was advised to dispute this account ( which I did and the account was removed within 30 days of the dispute ) and file for identity theft. Now I have been back and forth with Portfolio Recovery in a plethora of letters trying to dispute this account which was fraudulently acquired in my name, they have been insistent in trying to collect this account and it is damaging my credit which in turn is injuring my chances of applying for future lines of credit, also it has been very costly to be maintaining constant communication via certified mail which cost {$6.00} per letter. I need them to remove this immediately as I have no intentions of paying for an default account which is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/2019 my wallet was stolen. I walked into the lobby at American First Credit Union in XXXX XXXX and asked to have my account frozen. While speaking to the teller three charges hit my account. I completed the dispute form and left. On XX/XX/XXXX I called to ask why their fraud alert didn't notify me and was notified my account had not been frozen. I was told by the fraud department that I had to be willing to pursue criminal charges to be eligible for provisional credit. They also told me that they had tried to contact my husband and was told the number was invalid, I confirmed the number in the file was accurate and told them we had not been contacted, On XX/XX/XXXX two of the charges posted to my account, I went to the branch and was told the account had not been frozen, the branch manager put a freeze on the account. He then called the fraud department and he told me they said the third party vendor they use for fraud monitoring had not been updated with the new account contact info which was given to the credit union two years ago. I don't know if they'll make me wait 90 days to get the disputed charges handled ( they ranged from $ 100- {$4200.00}. ) but their internal controls are horrible. They didn't freeze my account and have serious weaknesses in vendor management,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
Hey I attended this trade school calledXXXX  careers I completed the program and once I completed the program their certificates that they hand out or not recognize anywhere I was in able to find a job and it was a complete waste of time they made me take out a student loan in order to complete the course and once I finish the course they billed me on top of my student loan an extra bill I discuss this with the other credit bureaus and disputed it with the credit company and it was taken off to All state careers I completed the program and once I completed the program their certificates that they hand out or not recognize anywhere I was in able to find a job and it was a complete waste of time they made me take out a student loan in order to complete the course and once I finish the course they billed me on top of my student loan and extra bill I discuss this with the other credit bureaus and disputed it With XXXX as well and they refused to take it off XXXX XXXX and XXXX  I believe has taken it off the collections please can you look into days to remove this account from my collections account of any of the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Bank of America in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This account with FRAUD CHARGES being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : 1 ) Bank of America XXX. Date opened : XX/XX/XXXX. Closed date : XX/XX/XXXX. Limit : {$15000.00}. Balance {$0.00}. Status : Closed. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Attached : Letter sent to Bank of America and FTC 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 2019-10-18 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: Kentucky Higher Education Assistance Authority
State: GA

Complaint narrative:
I have been having issues with Kentucky Higher Education and my  credit report. Recently ( this year ) they updated my credit report with late payments from back in XXXX XXXX and I WAS STILL IN SCHOOL! These late payments are impossible when I have been in school since XXXX and I recently graduated ( this year ) I was not supposed to be making loan payments and the representative made it seem like they would handle payments deferred while I was in school. Now I have derogatory accounts showing up and it is only from school loans when I WAS IN SCHOOL! I want these accounts updated because they are affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
tried contacting this collection company as they are reporting a bad/negative report on my credit profile and keeping me from obtaining other loans and continuing to damage my credit profile and reputation, they have failed to provide me a copy of the loan agreement, original balance, or anything bearing my signature that substantiates I am responsible for this account. i disputed this negative report through the other credit bureaus and came back as validated but no reason or documentation stating i signed for the loan. they are reporting on my credit report, they have the legal responsibility to validate upon request an account in question, and have failed to provide me with the documentation necessary for me to actually validate and/or dispute this account. i have exhausted all my options in order to resolve this negative report but im not getting nowhere. CFPB please help me get this negative report from my credit as i am trying to build my credit for the future of my family. this is clearly a result of identity theft but Ad Astra Recovery Inc validated it as a valid debt and requires me to pay the amount or will not be remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Our mortgage got sold to Shellpoint Mortgage a few years ago. My sister and I have paid our mortgage on time every month. Shellpoint adds hundreds of dollars a month in arbitrary fees making it impossible to keep it paid up. Last XX/XX/XXXX they sent a letter saying they were going to foreclose on our house due to these fees. I got the money ( over {$2700.00} ) to pay them. In XX/XX/XXXX of last year they sent me a letter saying we were paid up.Then in XX/XX/XXXX of this year the payment statement said we had extra fees of {$660.00}! It has increased every month since then. I have talked to them and sent letters to no avail. This week they sent us a letter similar to the one we had last XX/XX/XXXX saying they were going to foreclose due to these fees again. They say now we owe {$5400.00} in fees. I don't have any money to pay that and shouldn't have to. I have talked to a lot of people I know and they don't have these kinds of fees to pay and we have never had them either until we got Shellpoint as our mortgage company. 

In 2006, we made a big mistake in trusting the husband of a co-worker who promised us to get us into a fixed rate rather than the adjustable rate. We met with him 3 times. He ended up giving us another adjustable rate which we didn't know. He also had our house ( that is old and falling apart ) appraised for three times more that it was worth so increasing our payment by a lot of money. We did not get money from his refinancing but we found out years later that he had two checks written out for him with our money for over {$50000.00}. I tried to get help with this mess back then and NO ONE would help us. We have lived in this house for over 25 years and we will never own it and we have paid a fortune for it! When we bought it, it was for {$120000.00} and when he refinanced it, the loan was for {$380000.00}. Our lives have been miserable since this happened. We have our mother and adult nephew ( who doesn't work ) living with us so it is important to have a place for us to live! We have tried everything we know how to do to keep this house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To who it may concern, In XXXX of XXXX, my credit card account was removed from my online account when I paid off my auto loan with captialOne and I wasn't notified of any bill due for this credit card. I've had this card with Capital one since XXXX of XXXX, and I've maintained exception payment history by never missing a payment. However, in XXXX of this year, I received communication saying that I had a capital one credit card account had been closed. This communication coupled with not seeing any account information online made it appear as if I no longer had any opened accounts with Capital One. However, the following month I received a 30 day late on my credit report which dropped my score. I would like this account reporting to be updated as PAANL, Paid As Agreed Never Late with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received an Email from XXXX XXXX saying that my credit score had dropped. I was wondering what happened and called capital one. They said they had a returned payment on both my cards. At that moment I paid the full balance of both cards off they had just closed 6 days before. That being said I never got a call saying they were going to be closed and they were not delinquent or any notification and was always on time with payment. They closed my account saying there was fraud but there was no fraud. I paid the balance and in XX/XX/XXXX they said they would open up my accounts again. Then I was told give it 8-10 business days for a response. I called on XX/XX/XXXX and they said the report was just submitted on XX/XX/XXXX. And that it would be 8-10 business days till I get my response which would make it really 19-20 business days in all actuality. I am now stuck with a much lower credit score and unable to find a place to live. Capital one has been really disrespectful when I call in and has also been very bad when upholding the at good faith part of the agreement. When I call them they are aloud to record me for quality assurance but I can not record them because they would alter the recordings if we went to court. That being said I have been treated badly through this situation and they are nowhere near a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Purchased car on XX/XX/2019 and was required to obtain financing with TD AUTO FINANCE. 

According to my XXXX Personal Credit Report, TD AUTO FINANCE performed an inquiry on my account on XX/XX/2019. 

Today, XX/XX/2019, I received notice from TD AUTO FINANCE my financing application was denied, as TB AUTO FINANCE was " unable to verify applicant information identity. '' TD AUTO FINANCE, however, was able to verify my identity in the above-referenced credit report and, in fact, the denial states TD AUTO FINANCE was able to verify my credit score on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I received a credit card statement from Fortiva dated XX/XX/2019. I write a note to them saying I do not have a credit card account with Fortiva. Stop billing me. They continued to send statements. Fortiva sent a collection notice dated XX/XX/2019. I prepared a Fraudulent Application Affidavit on XX/XX/2019 and faxed the document to them on XX/XX/2019. Fortiva sent the account to XXXX/ATLS/FORTIVA MC Account XXXX and they continue to collect on a credit card debt that I never applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Mariner Finance used ( hard credit ) without my permission

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