vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My auto loan was deferred for 4 months starting in XXXX and end in XXXX. 
My payments should have automatically pick up again on XXXX XXXX. But for some reason on Ally end the payments are not going through .I called pertaining to late payments notice I receive and went on to Ally website to make payment myself and Ikeep getting a message that read ( The payment account you selected is temporarily unavailable. Select another payment account or try again later ). I attempted this several times yesterday XXXX XXXX, plus chat with XXXX and XXXX and XXXX was no help she suggested that I pay through XXXX XXXX and incur a {$4.00} service fee. I told her Ally need to fix the issue and I'M not going to use XXXX XXXX .Then XXXX transfer me to speak to XXXX who place me on hold for XXXX minutes and told me the was fix and that I could make payment. I tried again and was unsuccessful. I called Ally XXXX XXXX XXXX XXXX And spoke to a represented and she told me she would make notes in my chart about the late fee and that she see that Ally correct the issue, and to go on later in the day and put payment through and then give them a call back tomorrow to set back up direct payment. I attempted to make payment again did not go through yesterday, I reattempted the payment this morning did not go through. I spoke to XXXX today and went to XXXX XXXX incur a {$4.00} charge and was told I would be reimburse the {$4.00}. I made the payment through XXXX XXXX and now I will look for my {$4.00} REIMBURSEMENT.I left the conversation with this is the one and only time I'M making this payment through XXXX XXXX and for Ally to fix this issue so they can receive my payment to automatic payment on XXXX 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 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
When logged into my Bank of America online mortgage account, it shows that BOA made a county tax payment of {$3700.00}. These funds were taken from my escrow account. Per the county and tax records this was an unnecessary payment and the county tax payment was made in XXXX of XX/XX/2020for the correct amount of {$1400.00}. I have called bank of america three times on three different dates. I've been placed on hold for more than 9 hrs and when a representative finally answers the call they have no answer to my question and place me on hold. I need Bank of America to explain why was {$3700.00} taken from my escrow fund and a detail explanation of all money going into and out the escrow account for the past year. Bank of America is not a small bank and for them to not be able to provide me with an answer or put me on hold for hours is ridiculous.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
I have been XXXX  since XXXX due to Covid-19. I was issued a Way2go MasterCard through Virginia XXXX. My card was never received and I was told that a new card would be sent out in XXXX. I was told that it would take a few weeks but it was also not received so I have been trying to get answers and through to someone for several weeks now. At approximately XXXX today ( XX/XX/2020 ) I finally got through today and was told that the card was never sent. I explained that I was upset because I am XXXX  and have been several months now with XXXX income because they didn't send the card and asked if they could please send it out as quickly as possible. The woman that I spoke with was very rude and said that if I was that worried about it I should have called before now and that I would have to pay {$20.00} to have the card expedited. I explained that I had called several times and had been unsuccessful in reaching anyone and I had been contacting XXXX almost daily trying to get answers and kindly asked if the fee could be waived due to it not being my fault. She said no and I asked if I could speak with a manger to see if it could be expedited. After several minutes of waiting I finally spoke with a, I guess we will call her a manager, that was rude and said that she would absolutely not waive the fee and when I asked her to explain why she thought waving the fee was not appropriate in this situation she told me to have a good day and hung up. There really needs to be someone to review this call and issue better customer service training in this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
on XX/XX/2020 my father passed away, going through his files, I found {$100000.00} in four accounts with Capital One. 
XXXX I informed Capital One of his death, they sent me forms to fill out and told me of the information I need to send them. They told me 3 to 5 business days. I filled out forms and sent needed paperwork back on same day. 
XXXX On email I sent back I asked for information of his accounts IE are there beneficiary and joint names on accounts. 
No response I waited the 5 days sent email requesting information on accounts, I also called and tried to get to them on the phone, I was informed only the department on the emails can help me. But i was told it can take up to ten days. 
on tenth day I emailed again and called again, I was assured they would respond by the next day XX/XX/XXXX. XX/XX/XXXX no communication. I email and called XX/XX/XXXX and was informed this is all my fault. AS of this day XXXX I have not received 1 message from Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Braviant Holdings, LLC
State: UT

Complaint narrative:
On XX/XX/2020, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. 

Then, today, XX/XX/2020, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. 

The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays XXXX Mastercard - COVID 19 Scams The balance on the credit card is over {$5000.00} dollars as of XX/XX/XXXX and the actual balance should only be {$1000.00}. 

This is a common COVID 19 - XXXX type scam where banks just make up fake of fictitious balances that 'could be plausible ' so customers sleepwalk into paying incorrect statements.

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 2020-08-11 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: AZ

Complaint narrative:
XXXX XXXX XXXX is due and payable as a corporate expense of XXXX XXXX. XXXX XXXX, a XXXX and XXXX CEO/Founder asked XXXX XXXX, an American and former Executive Contractor to open the US Dollar account for the company since Mr. XXXX was unable to. MsXXXX XXXX did this in good faith for the betterment of the companies. Ms. XXXX has a signed letter by Mr. XXXX confirming this amount is due and payable by him and the company ( ies ). This account is currently in dispute and pending further legal action by Ms. XXXX against Mr. and Mrs. XXXX and their numerous companies ( including but not limited to XXXX, XXXX  XXXX  and XXXX XXXX ) both in the US and 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 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter ( certified ) to Merchant 's Credit Guide requesting verification of debt being reported on my credit report. In the letter, I also requested the agency to stop calling my phone and that all further communication should be only in writing. The certified letter was received ( with adult signature confirmation ) on XX/XX/2020. On XX/XX/2020 at XXXX XXXX, the collection agency called my number again and left a 3 minute voicemail. The number they called from is XXXX. This is the same number they have used in the past in their communication attempts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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:
MY INFORMATION WAS USED FRAUDULENTLY TO OPEN FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME THEY DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX  TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an auto loan that was paid off in XX/XX/2020 in full, but the auto loan company has not stopped taking monthly payments that were on auto-pay when I first signed up. I have reached out twice to them - once in XXXX and XXXX. They had stated in XXXX it would be reimbursed, but I have yet to see any of what they have taken.

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 monetary relief
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX andXX/XX/XXXX, I filed a dispute with the Three major credit bureaus Experian, XXXX and XXXX about the unverified account That are being deported inaccurately on my credit report. In those 2 months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My Capital one Auto loan is not showing on my credit report. I requested that all 3 bureaus update the info and included a copy of my Capital One auto loan statement. I would like for this item to show so that i can get credit for on time payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: MS

Complaint narrative:
My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$890.00} XXXX   XXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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:
In XXXX and XXXX of 2020, I filed a dispute with the Three major credit bureaus XXXX, XXXX and Transunion about the unverified account That are being deported inaccurately on my credit report. In those 2 months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with the Three major credit bureaus XXXX Equifax and XXXX about the unverified account That are being deported inaccurately on my credit report. In those 2 months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
A relative had taken out a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX United States XXXX Texas and used me as a reference. Every week 4 times a day I get a phone call about the relative that has not paid the loan and I did not sign for the loan. I have told them I will reach out to her about the debt that she owes her and yet they still call my phone every week looking for her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/2020 I filed a dispute with the XXXX major credit bureaus Experian, XXXX and XXXX about the unverified account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX  XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX and XXXX XXXX  acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
From XX/XX/XXXX - XXXX my bank 's mobile and online banking centers were completely shut down so I had no access to my accounts while I was out of town. I was not able to check balances on my accounts or transfer funds from my savings to checking as needed like I had planned on doing. Apparently, since I had no way to check my balances, I over drafted on my account. I think that this is unfair and cheating. The bank took from me the ability to access and keep tabs on my money for over 4 days and then proceeded to stack XXXX overdraft fees on me all because their sites were down. I have tried to contact the bank multiple times to get the issue resolved and my call keeps getting dropped. The bank is faulting me for their inadequacies and now I am negative almost {$200.00} which I can not afford to lose during a global pandemic. This is cheating plain and simple, and I will not be paying fees on an overdraft that I was unable to know was happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I did not have the opportunity to dispute this account. I was not of aware of this debt. Also, please provide assignment of debt, validation of debt, method of validation of debt for this account. 



XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: MS

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$890.00} XXXX XXXX {$640.00}

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 2020-08-11 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: MS

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$890.00} XXXX  XXXX {$640.00}

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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Activehours
State: OH

Complaint narrative:
Cant verify my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
recently obtain a copy of my credit report and noticed accounts i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 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 XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX ACCESS XXXX {$85.00}

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