vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/2020 at approximately XXXX on I initiated an online wire transfer from Ally Bank. The initial scheduled transfer date was XX/XX/2020 ; the amount of {$73000.00} was to be transferred for my home purchase closing on that date. To guarantee that the funds would be available on XX/XX/2020 I decided to change the date of the transfer to XX/XX/2020. The online system did not confirm any wire transfer and this meant I was not able to make any adjustments to the wire transfer. 
I called Ally Bank within 5 minutes of my online request and changed the wire transfer date to XX/XX/2020. 
By the end of business on XX/XX/2020 the wire transfer still had not occurred. Though the Ally Bank policy is that a wire transfer initiated by XXXX XXXX  will process that day ( I initiated the transfer on XX/XX/2020 before XXXX ). 
As of XXXX XXXX on XX/XX/2020 the wire transfer still had not occurred, and after multiple phone calls to Ally Bank they still can not confirm when the transfer will be completed. 
Because of Ally Bank 's failure to provide their service as advertised I have now lost a day of work and my closing is in jeopardy. 
I would not recommend anyone use Ally bank for any advanced banking products. 

Thank you, 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 2020-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I signed a promissory note with SoFi Lending agreeing to refinance XXXX for a 7-year loan term at a fixed interest rate of 3.506 % consisting of 84 payments beginning XX/XX/XXXX and ending XX/XX/XXXX. According to the promissory note each payment would be in the amount of {$2000.00}. With auto pay that rate was reduced to 3.256 %, which I understand would serve to accelerate the number of payments, and not decrease the monthly payment amount. Since the loan funded I have had the following payments automatically withdrawn from my checking account : XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - XXXX. Notably 3 of these amounts are different, and all are above the {$2000.00} amount included in the promissory note. 

On XX/XX/XXXX, I received correspondence from XXXX, the SoFi loan servicer, that my repayment schedule had changed. It reflected an interest rate of 4.006 % and a monthly payment of {$2000.00}. I contacted XXXX and although they could not confirm why I received that letter, they assured me my rate was 3.256 % I requested a copy of my promissory note, which was provided to me by XXXX. 

On XX/XX/XXXX, as I was reviewing my bank statments, I observed the above funds withdrawals and contacted SoFi. Initially I was told by SoFi that this concern needed to be addressed directly with XXXX. When I informed them that I had already tried, and reminded them that my agreement to repay the loan pursuant to the above terms was with SoFi, i was told they would address the issue. I forwarded to XXXX XXXX, of SoFI, attachments that evidence the promissory note sent to me by XXXX, export of bank statements evidencing the withdrawals, and correspondence from XXXX evidencing the 4.006 % I was told on XX/XX/XXXX that it may take 24-48 hours to get a response from XXXX. To date, SoFi has informed me that they have still not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I requested and received a payoff amount from Specialized Loan Servicing ( SLS ) for loan which was good thru XX/XX/20. The amount of the payoff was {$94000.00}. A wire was sent from XXXX XXXX XXXX to their bank XXXX XXXX and confirmed several times by my bank. I sent another payoff for another mortgage loan on the same day to XXXX/XXXX. XXXX. 

By Tuesday the following week the XXXX XXXX account reflected a zero balance while the SLS hadn't. I called them on Wednesday, XX/XX/20. They said they hadn't received it and they would issue a request to their cash department to locate the funds after I faxed them the wire request completed at my bank. I was told I should also expect to hear something by XXXX. XXXX???? 

Having not heard anything and seeing online the account still had a balance, I called again the following week since it shouldn't take two and a half weeks to locate an almost {$100000.00} wire. Again I was told they hadn't received it and would place another request to their cash department to look for the funds. The cash department that I couldn't be transferred to nor could they conference call them in. 

Another week goes by, balance hasn't changed and no call from SLS. This time I had a printed confirmation from XXXX XXXX XXXX 's system that they provided me confirming that it was received by XXXX XXXX. The customer service person said her manager, XXXX XXXX, would like to see that and they would get back to me. I emailed it. This was XX/XX/20. 

On XX/XX/20 after no calls from SLS I called again and ended up speaking with another manager, XXXX XXXX. She said the wrong payoff amount was probably why it wasn't applied and that their system would immediately return incorrect payoff amounts. This was almost 3 weeks later and she couldn't confirm whether it was received or returned. I emailed her the exact payoff documents they sent me showing the payoff being the amount I sent. 

After stewing overnight I went to XXXX XXXX XXXX to have them recall the wire. They looked and said it was returned XX/XX/20. They returned {$94000.00}. {$50.00} less than what I sent. Immediately called SLS for an explanation. That was XX/XX/20. I have yet to get an explanation as to why they held my money for 3 weeks and kept {$50.00}. I want my {$50.00} back and I should be compensated for the interest I could have made and they certainly earned on almost {$100000.00} for 3 weeks.

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 2020-02-14 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-14 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: KY

Complaint narrative:
Signed up for Simple bank account Goals account offer on XX/XX/2019 and deposited {$10000.00} in the account. Was supposed to receive {$150.00} bonus in XXXX but did not. Contacted company and they stated the XXXX promo had a XXXX cutoff. 
There was no time listed in their offer and I opened the account online. My XXXX statement shows the account was created on XX/XX/XXXX as required. They had a new promo that started on XX/XX/XXXX that paid {$250.00} which I didn't get because the account was created on XX/XX/XXXX. 
I feel extremely cheated from this bank. They have had my {$10000.00} in their bank for months now. 

Thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
I had my loan transferred in XXXX to the new company Rushmorelm, after a year of having them suddenly in XXXX my payments started going up, everytime I've called and spoken with someone they have said that it's my insurance or property taxes that have gone up. Which I have contacted them both and nothing has changed but a few dollars, and they have raised my payments over 50 dollars a month which would not account for any of that. I recently spoke with someone from their company that told me the same thing then looked at my payment history and told me it was my escrow that when they received the loan it was negative which is untrue from the documents he sent me, from what I can tell they added hazard insurance on our account for XXXX a year which raised it even though we have homeowners insurance and an FHA loan which I thought meant everything was included in our mortgage payment and it is fixed. We have never cancelled our insurance so why would they force that upon us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I took out a credit repair money lion loan with Money Loin they advertise that they give loans up to {$1000.00} and will give you so much upfront and put the rest in an escrow account. and in return you pay a {$20.00} a month fee for their credit repair services this loan is not avail with out this service. 

XX/XX/XXXX I contacted money lion about closing my loan I was told if I paid the balance {$420.00} with my debit card the loan would close and the escrow would be released immediately. so I agreed and paid the {$420.00}. here is where things go sideways. 

I have a few issues at this point the escrow was never released and to date hasn't been I called twice now and every time I call I get different information from the reps first I get told that I have to wait 1 day for things to process then im told 3-5 days then I was told 3-5 days for the payment to post and 3-5 for escrow to clear. and I feel  this I a blatant violation of truth in lending first they charge a {$20.00} per month fee to use their loans which make the interest on this loan essentially 105.93 % but because its a " FEE '' that some how makes it legal. when I started to do the math it didn't add up because on their lending paperwork im told I was taking a {$500.00} loan at 5.93 % and the Toal interest was {$15.00} and some change but no where on their paperwork do they disclose that I have to pay this service fee to use their program that's elsewhere on their paperwork so for a {$500.00} loan I end up paying {$1000.00} that's just plain robbery and then when you call them out on it and try and pay your loan off they XXXX you over and hold your escrow and just give you XXXX   excuses about the escrow and how long it actually takes to clear. this company is praying on those with week credit and should bee looked into. when I told the supervisor XXXX that I planed to file a truth in lending violation he was nonchalantly like ok that's fine because I can't do anything for you. that is just bad business all around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: CA

Complaint narrative:
I found fraudulent accounts on my credit report I was applied for a credit and I found some one used my personal information and open credit under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Assoc on my credit report is misrepresented : ( 1 ) states that the debt was new as of XX/XX/XXXX and that it came from XXXX : this debt results from a XXXX, XXXX purchase on credit of a XXXX laptop computer, financed with XXXX XXXX. Was not paid in full to XXXX because of a dispute with XXXX over a incorrect balance including hundreds of dollars of late fees and interest. I have all of the statements from XXXX back to the purchase in XX/XX/XXXX. I have communicated with Portfolio and several credit companies before them but they do not seem to understand the problem and of course have misrepresented this debt. I have also disputed with a Credit Company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Hello, I would like to dispute a credit card late payment fee of {$25.00} applied on XX/XX/XXXX with respect to my Bank of America XXXX credit card. 

I have had this credit card for over 10 years, and I had my first late fee on XX/XX/XXXX. Bank of America reversed this fee, because it was my first ever late fee. I spoke with an associate on the phone, and I instructed her to set up a automatic transfer of {$25.00} on the XXXX of each month from my checking account, so I would avoid late fees going forward. This was not done, and I received a late fee on XX/XX/XXXX. I did not receive any notification alerting me the payment had not been made. As soon as I realized there was a problem, I transferred funds to the account on XX/XX/XXXX. I called the Bank of America service center, and they would not accept responsibility or reverse the fee. 

I am currently unemployed and searching for a new job. Previously, I had an automatic transfer set up to make payments from my savings to my credit card account, but I have recently used up all of my savings, and my savings account balance is {$0.00}. That is why my payment in XXXX was 2 days late. I can not afford this late fee, and the negative impact it will have on my credit score. 

Please let me know if further information is required. 

Thank you, 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 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a payment through Fifth Third Bank 's online system on XX/XX/2020 for {$1300.00}, of which, {$37.00} was for principal curtailment, and {$1300.00} was to post for the XX/XX/2020 monthly mortgage payment. 
As the payment was made in XX/XX/2020, and the XX/XX/2020 monthly payment was not yet due, I have requested that the company apply the {$37.00} to principal curtailment first, so that the interest for the XX/XX/2020 payment will be calculated correctly. As interest is paid in arrears, this means that the balance at the end of XX/XX/2020 should be used to calculate the interest amount due for the XX/XX/2020 monthly payment. 
When Fifth Third received the payment, they first applied the XX/XX/2020 payment, then reduced the principal balance, which means that interest was calculated on a higher amount in error. 
I called and asked them to fix this. I spoke to 2 associates and 2 supervisors, who advised me that what I requested was not possible. I advised them that not to do so would be a breach of RESPA guidelines, and asked that they put a request in to their payment area. 
I then received a call to again advise me how the payment had posted, not that they would correct it. I left a voice mail message asking that they just reverse off the payments from XX/XX/2020, apply the principal curtailment, and then following that, post the XX/XX/2020 monthly payment. To which, I received a return voice mail asking how I made my payment, one check or two, for the amounts, and check numbers as well. 
This is very disturbing as a financial institution this large should have associates that can view loan history, and be able to determine that the payment was made through their own system, so there is no check number, and the amount of the payment. This institution should also be aware of how interest is calculated and that as the XX/XX/2020 payment was not yet contractually due, any funds received prior to that date, can and should be applied prior to my interest calculation for a payment not yet due. 
I am asking for your assistance and intervention as I have spoken with a number of their associates who are not able to assist with a simple request. 
I even stated that if their system is not capable of such a reversal and reapplication, which would be appalling, then they could just take a corporate loss and credit my principal balance with the overpayment of interest. Neither of my requests has been completed to date, and I would like this rectified prior to my next payment being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: NY

Complaint narrative:
I XXXX XXXX am writing about Checkr background check services which has provided multiple reports to employers against contract. It is a breach of contract for them to apply any part of my criminal history that is over 10 years old. They placed items that are from 2005 and earlier on my report. They have fixed this issue one time in the past but this is the third time they have done this to me. Because they have done this my employers have changed their opinion of me for a record that happened when i was a teenager. This is not right and a breach of contract. They need to permanently fix their policies regarding this matter especially considering im about to have my background check ran again for a XXXX XXXX position next week. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call today from phone number XXXX stating that I am in trouble and that I will be arrested soon at my job or at my home and that I needed to call a phone number and give a case number to find out the details of why I was going to be arrested. The telephone number that they gave me was XXXX with the case number of XXXX. Soon after this I received a phone call from my mother stating that they called her and stated that I was going to be arrested soon or sued in court and that I needed to call the same number back. I called and found out that it was Ace Cash Express calling because of a loan I took in 2018. The woman on the phone stated that although my original total debt was XXXX, I now owe more than {$1400.00}. She said that they were coming to my job to arrest me today and that I am being sued for the amount of {$1400.00}. After I told her that what they were doing was against the law she told me that she could do it because of my original loan agreement and that if I didn't pay it then I will be in jail soon and then she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PRA RECEIVEABLES MANAGEMENT, LLC FAILED TO REPORT A DISPUTED DEBT TO THE CREDIT BUREAUS INCLUDING PAYMENT HISTORY FROM ORIGINATION THAT ARE CURRENT. UNDER FDCPA SECTION 807 ( 8 ) THIS IS A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: GA

Complaint narrative:
I lost my wallet some years ago, after this incident I have been getting bills and letter from different places, that's when I started to become suspicious about my identify been stolen, finally I check my credit an found a numbers of accounts that I don't recognize, so I'd Like to report this event and ask for your help to remove these fraudulent accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I went online to the Quick Silver Capital One web to pay my account in full. The options were 1. pay the amount due 2. pay another amount 3. pay the full amount. I chose the option to pay the full amount, which was {$3400.00} that was paid through my bank account. The bill was not due until XX/XX/2020. Today I received a bill for {$49.00}. I called Capital One and was told this was interest accrued but was told repeatedly the {$49.00} was interest. Ultimately the concern is this company can repeatedly add additional interest accrued, Capital One is demonstrating Long Shark characteristics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 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: GA

Complaint narrative:
XXXX XXXX {$750.00} Opened : XX/XX/XXXX This account has me as an authorized user and I have never had an authorized user account with XXXX XXXX. I have one primary account with them and thats it. This isnt my account XXXX XXXX {$29000.00} Opened : XX/XX/XXXX This is account is inaccurate amount and has also been on my credit report for 7 years as of XX/XX/XXXX and should no longer appear on my credit report. 

U.S Dept of Ed {$59000.00} Opened : XX/XX/XXXX This account is showing an inaccurate amount also the date opened was XXXX XXXX. The amount is wrong and this account should not be shown on my credit report. It has passed the 7 years past when the account was opened and was never paid on.

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