vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
This is my final request to remove account which was opened by another person, not by me. I did not give permission to open this account and never signed any documents. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-06-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: ONE REVERSE MORTGAGE, LLC
State: FL

Complaint narrative:
We were advised to get a Reverse Mortgage by One Reverse Mortgage. Funded on XX/XX/XXXX. Original Principal Limit : XXXX one lump sum that we could invest and receive a monthly income. We had no idea how the Current Principal Limit could grow now to be XXXX with monthly interest XXXX plus service fee and MIP compounding monthly. 
My husband was XXXX and I was XXXX. We were getting married. We had been living together in our home since XXXX. Since my husband added my name to the deed. My name was still in my maiden name. 
At the time the lender told us I was the non-borrowing spouse and couldn't be on the mortgage because of my age. Then he said, " no worries, '' you can be added to the loan when you turn XXXX! '' So we both signed. 
Since turning XXXX, we have been attempting to get help with this. We immediately called after my XXXXnd birthday as we knew how important it was. Now we are afraid if something happened to my husband I would have to leave our home I've lived in for the past 15+ years. We feel the lender violated the law during our loan process by telling us this. We never would have signed otherwise. We were not counseled about " risks '' but just options, i.e lump sum or not etc. He was predatory, constantly calling us to do this. Then afterward he was nowhere to be found to question. 
This reverse mortgage has been through many companies the final now being XXXX XXXX XXXX of whom we have contacted many times. 
We've tried for six years and now finally wish to get this resolved and behind us as to what will happen. We have called and we have written. ( enclosed ) The original adviser went to California and left Florida where our loan was made in our home. 
Dates of contacts were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX plus many more and many telephone calls. We have a very large file of information from years of trying to get help. 
We were particularly vulnerable I suppose and that's no excuse, but we trusted what the lender told us. I am now XXXX and have XXXX XXXX This would be a terrible hardship for me to leave my home. Reverse Mortgages may help some cases but in ours it has become years of anguish, regret, and constant worry. Be sure to understand if you are not married at the time of signing. They may tell you that you can be added later but it's not true? Beware of being taken advantage of during counseling. 
Most recent calls were made XX/XX/XXXX 4 times. Someone did call back only leaving their extension but no telephone number. We tried calling back many times but got no response. One Reverse Mortgage, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I XXXX XXXX on XXXX XXXX deposited a third party cashiers check in the amount of {$9000.00} into my Chase bank savings account. On XX/XX/2020 I checked my accounts and found XXXX balances in my savings account and my checking account. I called Chase bank and was told that they have frozen all of my funds and closed my accounts. The cashiers check was made by an XXXX XXXX to my fianc XXXX XXXX. Both XXXX XXXX and XXXX XXXX went to Chase bank with me. They showed the branch manager their ID 's and informed that everything was fine and no fraudulent activity what so ever has occurred. Chase bank has taken {$12000.00} and I have no idea when or if will be able to get it back. Also Chase bank has taken away my ability to view all of me paperless bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have an auto loan with Ally Financial ( www.Ally.com ) Ally provides online banking to make payments online on Ally website. When making a payment Ally gives two options ( quote ) : > Apply to the outstanding balance of amount financed ; Ill still owe my next regularly scheduled monthly payment ( Trying to make a principal-only payment? 
What you may think of as the principal amount on a traditional loan ( like a mortgage loan ) is referred to as the amount financed on your Ally vehicle financing contract. This selection is Allys closest option to a principal payment. Assuming you keep making all your scheduled monthly payments, this is the fastest way to pay off your vehicle. ) > Apply to reduce the amount of my next regularly scheduled monthly payment.

Here 's my complaint : [ a ] deceitful payment options [ b ] setting a trap to miss due payments. 

[ a ] The first option ( quoted above ) advertises principal only payment, where the entire payment is applied to unpaid balance. ( This is also a default payment choice. See more below in section [ b ] ). When I chose to make a principal only payment option, Ally paid accrued interest charges first, and the remainder was applied to principal. 
Here are the particulars : On XX/XX/2020 I made a {$250.00} principal only payment, of which {$46.00} were applied to finance charges. I chose this option specifically to reduce the outstanding balance not to pay a regular payment due. I also made a {$300.00} principal payment in XXXX XXXX same problem, yet I discovered the issue with deceitful payment processing activity at Ally only recently when I decided to check the details of the principal payment made on XX/XX/2020. 
I spoke to Ally representatives via email XXXX case # XXXX XXXX, and on the phone. I was advised that they always pay interest first before paying down the principal regardless if the payment was intended as a principal payment only.

[ b ] Secondly, when making a payment online on Ally website, the first option ( see quoted options above ) is chosen by default, leading a customer to make a payment without satisfying the amount due ( or the regular scheduled payment ). 

It appears that Ally set up the payment portal purposefully [ a ] to mislead the customers into the belief that the principal only payment is applied fully towards the principal, and [ b ] to trap customers into missing a due payment despite making a payment to generate late payment fees.

Additionally, the payment history does not differentiate between the two payment  options, making it impossible to track what payment type was chosen, and how it was applied towards the loan balance. Nowhere on the website it show accrued finance charges and the unpaid balance after each payment.

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 2020-06-02 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: TN

Complaint narrative:
I have sent letters repeatedly to Equifax, XXXX  and XXXX  requesting to remove inaccurate addresses from my credit report. 

Equifax has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
Hello, I have sent numerous letters to Equifax asking them to validate a Chapter XXXX BK that is reporting on my credit report. Equifax has responded back to my request on a few occasions indicating that the investigation has been completed and that the Chapter XXXX BK was verified by a 3rd party known as XXXX XXXX. They have also asked that I notify the data furnisher 'USBK Court XXXX Florida ' as well. 

I sent a response to Equifax asking them the verification method that was used to validate the Chapter XXXX BK with XXXX XXXX - as well as who they spoke too, how the validation was conducted and phone number for the contact. They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by XXXX XXXX and that I should contact the data furnisher 'USBK Court XXXX Florida XXXX as well. The same response is sent back to me as a generic answer to my request for my credit report. They never indicated the method of verification that was conducted with XXXX XXXX, who they spoke with and a contact number. 

Equifax has failed to legally validate the Chapter XXXX BK reporting on my credit report. They indicate XXXX XXXX the 3rd party verified this information. This is can not be the case as my XXXX XXXX Consumer Report is frozen and has been for quite some time for identity purpose. I have also contacted the 'USBK Court XXXX Florida XXXX asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX XXXX Late dates : XXXX-30 Creditor : XXXX XXXX Late dates : XXXX-60, XXXX-30 XXXX XXXX Late dates : XXXX-30 XXXX XXXX Late dates:XXXX-60, XX/XX/XXXX-30 Past Due : {$220.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to 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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was Issued PayPal cash MasterCard with funds of {$230.00} deposited on XX/XX/XXXX. They gather all kinds of information, and l did link to my XXXX credit card for backup. I purchased petfood items on XX/XX/XXXX for {$160.00} and PayPal reverted to XXXX card (? why did they not take funds from PayPal ). Next few purchases were taken from PayPal balance and the final one was also for petfood with some of the bill charged to XXXX and some funds taken from PayPal. I calculate there is {$25.00} left on PayPal card but they report XXXX balance. I disputed and even appealed my case and of course they just respond - case found not in my favor. Then I accessed an online help rep who told me that I could view a " running log '' of PayPal card balance - nowhere is it found. I am contesting their egregious fees and their lack of transparency- my PayPal activity summary NOWHERE shows any " fees '' and my purchases from PayPal balance add up to {$200.00} NOT {$230.00}. I have received NO Explanation why XXXX card was used for the first purchase and what these XXXX credit card transactions cost me additionally. I can send you their activity summary and schedule of fees. Of course with Covid-19 you can not directly speak with anyone and their complaints menu online does not cover fees as an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
contacted credit reporting agency to inform them about incorrect information that is reporting on my file. reporting agency did not do the required due diligence to remove incorrect information on time. and they refuse to actually investigate and remove incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140.00} XXXX  XXXX {$660.00}

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 2020-06-02 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140.00} XXXX  XXXX {$660.00}

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 2020-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
In XXXX, I went to my bank to close my checking account and there was a substantial amount in the account. After the bank research the transaction, the bank indicated the {$9400.00} ACH deposit made on XX/XX/XXXX came from Lending Club. I contacted Lending Club on XX/XX/XXXX and said I did not apply for this loan and to provide me with documentation with my signature indicating that I authorized this loan. I will return the principle amount less the payment taking from my checking account in the amount of {$360.00}, which I did not authorized. I asked where they obtained my personal information. The gentleman who assist me refer me to the fraud department. I received a letter denying my claim and no supporting documents indicating I applied for this loan. Called Lending Club again and no loan documents where produced. I asked if a can repay the principal loan amount with no fees or interest. I want to rectify this situation immediately, its damaging my credit. Please help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
THEY REPORTED A DEBT OF {$270.00}. I DON'T OWE ANY MONEY TO THE COMPANY OR TO XXXX XXXX XXXX XXXX. I ASKED FOR PROOF OF DEBT, AND NONE WAS SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}

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 2020-06-02 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}

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 2020-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
In mid-May I emailed CashNetUSA to let them know that due to health issues ( XXXX XXXX and XXXX XXXX ) that my income is now much lower and I can not afford my regular payment. 
I have had my loan with CashnetUSA since XX/XX/2018. The original loan was over {$3000.00}. I have NEVER missed a payment. They did reduce my credit line to {$2600.00}, which I had no problem with about the time the Cortona Virus started.. 
On XX/XX/XXXX I received an auto generated email back from CashNetUSA giving me a number to call, which I called the same day. 
I was told that they do not offer loan modifications. Period. 
I would like to request that CashNetUSA redo my loan so that I can make principal payments and pay them off. I have already been paying around 299 % interest, so they would not lose a cent on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX, to dispute that Capital One, is being reported incorrectly, but on XX/XX/XXXX, XXXX, refused to correct the error, and updated my report with information that the alleged balance is correct. The error is in regard to a XXXX ( {$110.00} ) filing fee from a fruitless lawsuit Capital One, filed against XXXX XXXX, on XX/XX/XXXX, in XXXX County Municipal Court, which was later dismissed at Capital One 's request by the Court, on XX/XX/XXXX. XXXX XXXX, has tried to correct the error with Capital One 's Attorney, and Capital One, who responded that it believes there is no error, on XX/XX/XXXX, with no later response. Please find the attached Notice to Dismiss from Capital One, and report from XXXX  ( uploaded as " untitled '' ), as well communications with Capital One, in regard to this error. There should be no doubt that this error is being overlooked, Capital One is providing false information, and XXXX, has material evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
contacted credit reporting agency to inform them about incorrect information that is reporting on my file. reporting agency did not do the required due diligence to remove incorrect information on time. and they refuse to actually investigate and remove incorrect information

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