vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I opened an account with HCS Loans at XXXX. XXXX XXXX XXXX, NC XXXX. Everyone was great, made payments no problem. When Covid 19 happened in XX/XX/XXXX HCS Loans granted me a nonpayment without penalty for three months. Sometime in those three months HCS Loans either filed bankrupt or changed their name to Ally Lending. Ally Lending ( previously HCS ) notified me the payment deferral program the account was ending however, I did not sign any contracts with Ally Lending. Ally Lending ( previously HCS ) informed me documentation was not processed correctly from HCS. I would also state without my permission. Ally Lending constantly informs me of the wrong balance & has not submitted a new contract to me. They are not helpful & are becoming harassing on a loan I did not sign with them. 


Ally Lending is not honoring their COVID 19 relief by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, you were required to bring the account current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID XXXX RELIEF. 

Payments will no longer be made on this account until this Financial Institution shows THE PAY OFF AMOUNT OF {$300.00} on the statements which is required by law .... 

The payoff amount on this account is {$300.00}. Should they choose to not honor the Extended promotional date of XX/XX/XXXX, they can change the name of the company again. The pay off amount was always shown on HCS statements & every other account I have ever held.

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 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XX/XX/XXXX at XXXX pacific time, I contacted Barclay Bank by phone to alert them I was having difficulty making my payment this month, and needed to cancel automatic payments. I was assured there were no automatic payments on this account during a call I recorded. On the XX/XX/XXXX, I logged in online, and made a one time payment to keep the account from going 30 days late. I entered in my checking account number and routing number for this one time payment, and it was difficult to get those funds together. 
Two days later, on XX/XX/XXXX, another payment was processed by the bank in the same amount. I immediately contacted the bank, and was told collections withdrew the funds from my account, but that they would attempt to reverse the payment and get it back to me within two billing cycles. I don't have the luxury of two billing cycles. These were funds that were not theirs to take, that I did not give permission for them to take, and now feel stupid for trusting this sleezy institution with my checking account information. 
I ask that the consumer financial protection bureau takes swift action on this while I explore all options available for me to recoup the losses from this theft.

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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have a HSBC Premier Checking account. Yesterday on XX/XX/XXXX, I made a Real-time Transfer of {$60.00} from my HSBC Premier Checking account to my XXXX XXXX  Savings account. Since this was a Real-time Transfer, it should be received by my XXXX XXXX Savings account instantly. However, when I checked my XXXX XXXX account, this {$60.00} transfer was not received at all. Then I called XXXX XXXX and was told by XXXX XXXX representative that they didn't receive this {$60.00} transfer from HSBC at all. However, this {$60.00} has been already deducted from my HSBC Premier Checking account and the transfer status on HSBC end shows successful.

Apparently HSBC deducted this {$60.00} from my HSBC checking account but didn't send this {$60.00} to my XXXX Savings account at all. HSBC illegally stole this {$60.00} from my HSBC Checking account now.

I request HSBC to IMMEDIATELY either send this {$60.00} to my XXXX XXXX  Savings account instantly or post this {$60.00} back to my HSBC Checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
Hello I am currently in bankruptcy and my home with PRMG loan is within that bankruptcy. I was made aware of the cares act and requesting a forbearance due to Covid and I sent the request directly to their website on XX/XX/2020 and still have not heard back from them. I am unable to reach them via phone Because the system is always automated and redirects you to another automated system so you never get to speak to a real life person! I still have not received any communication as to my status or an update on my request. I am very concerned because of my financial hardship. I am trying my best to work with them but I do not hear back from them. 

The mortgage company is PRMG and the incident number they have reported as solved meanwhile I have not heard back from anyone! They have links on their website saying that they will help you during this hardship due to Covid and ask you to request a forbearance virtually but then you do not hear back from anyone else it says youre going to hear back from us within 7 to 10 business days and its been well past that point! I am very concerned and I need help with this cares act I need to hear back from them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I received a loan from XXXX XXXX XXXX in XX/XX/XXXX and there were no escrow payments set up on the loan. This was an oversight on my part and ever since XX/XX/XXXX I've been trying to get this set up for my account, which is serviced by XXXX XXXX XXXX. 

Initially TMS asked me to write a letter of intent and mail it in XX/XX/XXXX, for which I never heard back. In XXXX I was told the letter was received and my request was being processed. In XXXX there was no change. I called to complain and nothing was done to further the status of my claim other than to disable and reenable my autopay and wait until XXXX. I waited until XXXX when I checked my account and saw that my autopay never set up and I was charged with a late fee of {$120.00}. I spoke to an agent and they told me that the late fee wouldn't be refunded I wouldn't be able to have escrow payments set up until XX/XX/XXXX. I was furious and told my story that I had been trying many months to do this and this was the first that I was hearing this. After being escalated to an agent, it was settled that it would be XX/XX/XXXX. Since, I was told that autopay wouldn't work until XX/XX/XXXX as well, and have accidentally made late payments ( I'm used to autopay ). Now that we're here in XXXX. I'm not even sure if it's been set up at all. They don't respond to my emails, or return my phone calls after leaving voicemails. I've made the decision at this point to refinance again and distance myself from the TMS service. To date, I've paid {$11000.00} in interest and {$220.00} in late fees. I'm extremely unhappy with the service and problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN, I DISPUTED TWO INQURIES AND A CHARGE OFF ON MY CREDIT REPORT WITH ALL THREE CREDIT BUREAU ON XX/XX/2020, TRANSUNION REMOVED THE XXXX CHARGE OFF FROM MY REPORT WHILE XXXX AND XXXX REFUSE TO CORRECT MY ACCOUNT MORE THAN 30 DAYS, TODAY MAKES IT 48DAYS SINCE I REQUESTED THE CORRECTION/DELETION ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE TO RECTIFY THIS ISSUES.ACCORDING TO SECTION 609 ( a ) ( 1 ) ( A ) NO VERIFICATION WAS DONE BY XXXX AND XXXX ON THE SANTANDER CHARGE OFF NOR THE OTHER TWO DEROGATORY REMARKS : 1. XXXX NOT MY ACCOUNT 2. XXXX XXXX {$1400.00} 3. XXXX XXXX XXXX I ALSO REQUESTED ALL ADDRESES THAT IS NOT MY ADDRESS TO BE REMOVED FROM MY REPORT AND NOTHING WAS DONE. 
PLEASE HELP ME I DONT KNOW WHAT TO DO ANY MORE I HAVE DONE ALL I COULD AT THIS POINT, AND THE BUREAUS ARE PLAYING GAMES WITH MY LIFE.

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 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN, I DISPUTED TWO INQURIES AND A CHARGE OFF ON MY CREDIT REPORT WITH ALL THREE CREDIT BUREAU ON XX/XX/2020, XXXX REMOVED THE XXXX CHARGE OFF FROM MY REPORT WHILE XX/XX/XXXX AND EQUIFAX REFUSE TO CORRECT MY ACCOUNT MORE THAN 30 DAYS, TODAY MAKES IT 48DAYS SINCE I REQUESTED THE CORRECTION/DELETION ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE TO RECTIFY THIS ISSUES.ACCORDING TO SECTION 609 ( a ) ( 1 ) ( A ) NO VERIFICATION WAS DONE BY XX/XX/XXXX AND EQUIFAX ON THE XXXX CHARGE OFF NOR THE OTHER TWO DEROGATORY REMARKS : 1. XXXX NOT MY ACCOUNT 2. XXXX XXXX {$1400.00} 3. XXXX XXXX XXXX I ALSO REQUESTED ALL ADDRESES THAT IS NOT MY ADDRESS TO BE REMOVED FROM MY REPORT AND NOTHING WAS DONE. 
PLEASE HELP ME I DONT KNOW WHAT TO DO ANY MORE I HAVE DONE ALL I COULD AT THIS POINT, AND THE BUREAUS ARE PLAYING GAMES WITH MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
This debt was originally owed to XXXX XXXX and Alduos and Associates bought it. The amount owed was {$270.00}. On XX/XX/2020 I paid {$50.00}. On XX/XX/2020 I paid {$40.00}. On XX/XX/2020 I paid {$180.00} making this account paid in full. On XX/XX/2020 I called to ask for proof/receipt of my debt paid in full. XXXX said he would send that over. He sent an email with one payment missing. I called again and they said they would send an accurate one. They never did. My credit has not been updated and the balance actually went up even though they verbally verified it was paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
After conducting due diligence, we proceeded with booking a vacation rental in XXXX, North Carolina. Payment was issued via XXXX, utilizing our Amegy bank account. When we arrived by car from Texas just past XXXX XXXX., the key was where we were told it would be per the contract. Because of our late arrival, rather than call the owners to inquire about extra blankets and towels, we did so at XXXX XXXX the next morning and were told they knew nothing about us and we needed to vacate the property within one hour. Prior to doing so, we called the XXXX County Sheriff Department and a deputy came out and took our report. After subsequently providing the sheriff with documentation and research, suspicion against the owner and property manager were so high that within a few days the case was escalated to be handled by a special investigator and a case was being presented to the DA ( the status of which is not yet known as it is still an active case ). Amegy refuses to reimburse us the {$540.00} that was transferred from our checking account into what we had every reason to believe was a legitimate account because it was an authorized transaction.

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 2021-01-07 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loan ran my credit 4 times ( hard inquiry ) without my consent. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 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 explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account with Coinbase. They blocked me ( and lots and lots of others judging from XXXX reviews ) from accessing our crypto by saying our identity documents needed to be verified. I uploaded my documents 3 times but the message persisted and finally got worse, threatening me with something called 'offboarding '. I first contacted customer service about it on XX/XX/XXXX. After several more complaints they responded today XXXX XXXX saying that the addresses on my documents do not match address given which is a lie. I took comfort in the fact that this is not just happening to me but to other people as well. I am worried that the exchange has been hacked and that they are covering it up. Something is definitely fishy about their behaviour and lack of communication with customers. I would like access to my coins so I can move them off the exchange.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX  on XX/XX/XXXX Citibank CBNA incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without 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
Consumer complaint received 2021-01-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX  on XX/XX/XXXX XXXX  XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX  on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I recently refinanced my home. I paid for the appraisal out of pocket ( please see the attached receipt ). LoanDepot reimbursed me by increasing Lender Credit, as they promised. 

However, I was charged a {$490.00} appraisal fee at closing ( please see the closing statement attached ). 

My family has brought up this issue with the loan officer XXXX XXXX and his supervisor XXXX XXXX on XX/XX/XXXX. They have denied charging me an appraisal fee at closing. They have stopped responding after XX/XX/XXXX. Emails to them on XX/XX/XXXX and XX/XX/XXXX have not been returned. 

My family has asked the Escrow Officer XXXX XXXX whether or not I was charged a {$490.00} appraisal fee at closing. She has confirmed that I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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