vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
We currently have an auto loan with  Ally Financial, Ac ct number  XXXX . Vehicle  XXXX   XXXX   XXXX  purchased in  XXXX . This journey started for us when we were in the process of purchasing a home and our credit report reflected o ver 16 past  due payments being reported b y Ally  Financial. Now, how is it possible that we would have  16 pa yments, 30 days past due and still have our vehicle. Immediately, I got on the phone wit h Ally Financial to  explain what we found on the credit report. The representative then informed me that it our payment was current, but we had {$700.00} in late charges. At this point none of this made any sense, so I then filled a credit dispute. The documents I provided was the entire account payment summary, the account transaction summary which shows the date and time we logged into the system to make a payment. I also sent  Ally Financial a ce ase and desist notification via account messaging, due to unsolicited phone calls with inaccurate account information. The response to that letter was to call customer service. At this point my only request was for account verification because we did not owe {$700.00} in late fees, and a billing summary showing when we were considered late. On  XX/XX/XXXX   Ally Financial  mailed us a payment history summary reflecting late charges in the amount of {$250.00}, AND reported our account as a charge off. We submitted a dispute about Ally falsely reporting a charge off, when the account is actively being paid and that was removed. Keep in mind, as of today  XX/XX/XXXX  our credit report still reflects that we were late 16 times and owe {$700.00} in late fees. In  XXXX  we were charged late fees when we were on a 60 day, followed by a 30 day extension. In  XXXX  we have  XXXX  late fees although we were on a 30 day extension for  XXXX  and the other was paid on time. In  XXXX  from  XXXX  until  XXXX  ally financial report that we were  XXXX  consecutive days late. Again, how is that even possible when we still have our vehicle and the transaction summary shows that we made our payments. The same applied for  XXXX  where we were reported late 6 times with  XXXX  consecutive 30 day past due. According to the total paid amount we paid off close to the balance of this loan back in  XXXX  of  XXXX  {$38000.00}, why are we still showing as having payments in  XXXX ? We have tried outreaching, we have mailed letters and still there has been no resolve.

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 2017-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello- my wife and I recently discovered we were the subject of the same aggressive sales tactics utilized b y Wells Fargo that has b een widely covered in the press. We did have  XXXX  legitimate credit card with  Wells Fargo a nd believe they used our information from that card to open other accounts without our approval.      In 2013, without our approval, Wells Fargo opened and closed a credit card within 8 days, opened a savings account, checking account, and a Health Savings Account. We were sent bogus consumer applications of opening both the savings and checking account, with the signature areas blacked out. We were sent a debit card for the HSA. Our credit report includes the 8 day credit card.      We cal led Wells Fargo to  track down these accounts and they claim there is no record of any. For the HSA, they assured us it was transferred to  XXXX   XXXX , though  XXXX  has no record. We have the documentation, name of institution, banker, etc.     We can not reasonably estimate the fees we incurred as a result of these accounts, and given that Wells Fargo claims there is no history of these accounts, we are reaching out to you in hopes of assistance. Thanks 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 explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Bureau Financial Services, Inc.
State: MA

Complaint narrative:
I have requested my credit report since  XXXX  stil l have't r eceived and on the  XXXX  still have not receive it them

Company response to consumer: Untimely response
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have requested my credit report since  XXXX  still  have't rec eived and on the  XXXX  still have not receive it them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had received an offer for a personal loan  from Wells Fargo,  which is the bank where I have an open active account since   XXXX  . I went to apply for a personal loan of {$10.00}, they told me at the bank during the application process that I ha d a credit score  of  XXXX  and that the system was reporting a 9 % of interest for my loan but the decision was still pending so I need to wait a few days.. after 4 days they call me back to ask for my legal status, which is   XXXX   XXXX  . That same day I received a phone call from my personal banker informing that  Wells Fargo was rejecting my application due to my legal status. I would like to file a complain for disc rimination because I have all the conditions to have that loan but just due to I 'm not a permanent resident in the USA i was n't given the opportunity of that personal credit. And on top of that now they hurt my  credit score for  nothing!!!!

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 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the  XXXX  I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.

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 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the one I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center
State: CA

Complaint narrative:
On XX/XX/XXXX  I contacted Premier Student Loan Center to inquire about a loan forgiveness program for  XXXX . I spoke to "   XXXX   XXXX   '' who proceeded to determine if I qualified for the program. She said that according to the guidelines that I would qualify. She explained that my payments could be lowered from {$150.00} to {$89.00} a month through the program called public service employees forgiveness program or PELF. Additionally, my loan could be forgiven in as little as 10 years. She then had a loan processor contact me for further information regarding my income and taxes. His name was "   XXXX   XXXX  . '' I communicated with him further through emails and submitted all requested documentation. They made it seem like a very common practice in this field.
On  XX/XX/XXXX , a final email was sent to me congratulating me on qualifying for the PELF Program. A new payment amount of   XXXX    dollars would be due  XX/XX/XXXX  according to the email. I thought this was strange since I was expecting it to be {$89.00}.
On  XX/XX/XXXX , I went online to verify that my new payment amount was in effect only to find that it was not.
I contacted   XXXX    and she assured me that it was " being taken care of, not to worry. '' A couple more weeks passed and I checked my account again, same thing, no change.
According to my loan servicer,  XXXX , my payment is {$150.00} a month which is the same as it was before I contacted premier student loans center.
Therefore, this company has done nothing to help me even though I paid them in full for their " service ''.
I have attempted to contact them several times in the past two weeks only to be told that "  XXXX  '' no longer works there and nobody seems to know what happened or why my lender is not aware of my approval for this program.
I 've left several messages for  XXXX , including two voice messages today,  XX/XX/XXXX , and he has failed to return my calls. I spoke to somebody named   XXXX    who is supposedly a supervisor, he told me that  XXXX  would call me but   XXXX   never did.
I have spoken with my loan servicer  XXXX , who advised me that I could have applied for this program free of charge through them, a fact that premier student loan center never informed me, in fact "  XXXX  '' claimed my servicer would not be able to help me apply for this program at all. I now know that I could have saved {$1100.00} and a lot of stress over this nightmare. I was completely misled by this company and they took my very hard earned money and did absolutely nothing to help me qualify for the PELF program as I paid them to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27 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: DE

Complaint narrative:
On  XXXX   XXXX ,  2017 I  sent a letter via certified mail with return receipt to  XXXX  and Equifax Consumer dispute center in regards to removing unauthorized inquiries from my credit report as are my rights under FCRA. On  XXXX   XXXX ,    2017 I re ceived notification via USPS that the letter had been received by   XXXX    and Equifax. I have yet to hear anything from   XXXX   or Equifax regarding this matter. I have not received notification that my dispute has been received. I called  XXXX  and Equifax Customer Service disputes dept on  X/XX/2017   , I was told by a representative that they have not received my letter in regards to my dispute although I have proof that they sign for the certified letter. This is unacceptable and unlawful. My rights have been violated, I am entitled to a response from my inquiry per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: AES/PHEAA
State: KS

Complaint narrative:
These accounts were all in default w ith 120+ l ates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ...  .Yet,  I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in   XX/XX/XXXX  o riginally for {$3900.00}, I have all the original paperwork for it. It was relisted i n  XX/XX/XXXX  at {$1 200.00} as a charge off and it still showing up.

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 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began i n  XX/XX/XXXX  orig inally for {$3900.00}, I have all the original paperwork for it. It was relisted i n  XX/XX/XXXX  at  {$1200.00} as a charge off and it still showing up.

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 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I have submitted this before and the Bank of Am erica Response ne ver address the issue.     Bank of America practiced " deceptive lending ''. They offered mortgage modification help to homeowners then kept asking for paper work like it was a numbers issue. They did turn is down in the beginning but then went on to say we could reapply. Then for the next 7 years asked us for more and more resubmissions, and paperwork. We updated bank statements, profit and loss statements, income. All the while we found out 6 years later they had no intention to modify.   They have never addressed this. I had to ask the rep face to face " were you ever going to modify? have you ever modified " she said " no ''.   This is not what the bank is they are there supposed to be there to help us.   Full disclosure and honesty.   we originally applied  XXXX   XXXX  . 1st d enial with the advice to reapply summer of  XXXX .   Bank of America put in foreclos ure  XX/XX/XXXX - XX/XX/XXXX . Ta ken out of foreclosure and more than 6 years later told no modification. They led us to believe that they were working on it. It was always at the desk of some being worked on. We showed up for meetings that no one was there for. It has been 7 years of deceit. We have tried HAMP but if you are more than 1 year behind in payments you are not qualified.

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 2017-04-27 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: AL

Complaint narrative:
On my request, Experian sent a notice tha t one of  my accounts,  XXXX   XXXX   XXXX   XXXX , had been updated on  XXXX   XXXX ,  XXXX . It is clear this was an automated update and not via human review. Any person of reasonable senses could see the payment history is incorrect. It is not possible for an account to show late payments once it has been charged off, then show charged off again. That is exactly what  XXXX  's payment reporting shows. No other credit reporting agency has this error.  XXXX  solely has caused me financial loss, including the loss of a home purchase last month for which my underwriter sited this specific issue as the reason for my not getting the home ... that is now sold to someone else.     Specifically, the account was originally charged off in  XXXX  of  XXXX . The updated reporting shows that event correctly BUT then shows the account 180 days late starting  XXXX   XXXX  through  XXXX   XXXX , THEN shows the account as charged-off AGAIN starting in  XXXX   XXXX . This is causing my underwriter to view the file as just charged off this last  XXXX  rather than the actual date of  XXXX   XXXX , almost 5 years ago. In addition, the account is not showing a  XXXX  balance which is required on a charged-off account.

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 2017-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My problem is with the servicer of my mortgage loan , LoanCare. I r efinanced into an FHA adjustable rate lo an two yea rs ago with  XXXX   XXXX   XXXX . The loan was then transferred to LoanCare. About a year ago I began having some   XXXX   health issuesmy  XXXX  flared up and also I was diagnosed with  XXXX . I had to be hospitalized to remove my  XXXX . I have been   XXXX   for the past 12 years working in asset recovery. When this happened, I was unable to work for several months and not able to collect any type of workmens compensation or insurance to make up for my lost wages. As a result, I fell behind on the mortgage loan.     At that time  Loan Care se nt me letters stating that they wanted to help, they understood, and when I called in their employees acted as if they were genuinely concerned and were ready to work with me to fix this problem. Unfortunately, the exact opposite has occurred. At first I had a single point of contact, but now  LoanCare ha s changed this contact multiple times. My documents are sent and re-sent, then I am told they were never received or misplaced and I need to send them again. I have never actually been reviewed for any assistance options, and I am falling farther behind. I dont know why I have not been considered for any of the FHA programs that I know exist for homeowners who have suffered a true hardship resulting in loss of income.       I am healthy again and working full time and my live in girlfriend works full time as well and contributes all of her income to our household. If LoanCare were to actually take the time to look at our financial information they would see that we qualify for assistance. I know that there are multiple programs available for homeowners with FHA loans -- -modification, partial claim, forbearance agreement or even repayment plan. I want to know why LoanCare has not given me a chance to be considered for any of these programs? I want to know why LoanCare is telling me I have to reinstate my loan in full or I am going to foreclosure. I want to know why my point of contact has been switched multiple times.
This is an avoidable foreclosure, but the longer Loan Care drags it out the further behind I become. I am certain that LoanCare is required to review me for these government programs but so far that has not occurred and I want to report LoanCare to the CFPB.

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