vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XX/XX/XXXX Inquired with XXXX at XXXX about selling my vehicle. He called Ally on speakerphone to obtain a 10 day payoff quote. They told him that they only do 7 day payoff quotes. They gave him a quote for XXXX and said they would release the title within 7-10 business of receipt of the full payoff amount. 

XX/XX/XXXX Came back to XXXX to make the final sale. They issued me a copy of the check for XXXX and XXXX ensured that the accounting department would send it to Ally within the 7 days. 

XX/XX/XXXX Payment posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. 

Approx. XX/XX/XXXX Payment still showing posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. Reached out to Ally and was instructed that my account was paid off and the issue was being sent to a care specialist to correct the issue and set my account at a XXXX balance. The rep told me that my title should be received in about 10 business days after he verified that all my information was correct. 

Approx. XX/XX/XXXX Reached out to Ally via their message board : Received a XXXX payoff quote on XX/XX/XXXX. Sent full amount via check on XX/XX/XXXX. Payment posted to account on XX/XX/XXXX. I have called your company numerous times and there has been no resolution. Why is there still a remaining balance of {$82.00} on my account? 

XX/XX/XXXX Ally now says I have a payoff for approx. {$920.00}

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 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DRIVE NOW ACCEPTANCE LLC
State: IL

Complaint narrative:
The loan payment is due every other Friday. We make the payment at the time we're supposed to. The man on the loan is a truck driver so most of time he's out on the road. I accept responsibility for making on time payments. I also work and most of the time I take care of the payment in the afternoon on my lunch. Every single time on the day the payment is due we get phone calls and texts from the same bill collector regarding the payment due. I confronted him and asked why he does this when the payment is nit late. He responded with " because it's what I'm paid to do ''. I told him not to call me when the payment is not late. He responded with, " you don't pay me so I don't listen and do what you want me to do. '' I asked to speak with his boss and he said his boss wasn't there. I want something done as far as I believe this is harassment and bullying for a payment that isn't even late. When we would have been a day late at one point, he threatened us that before we got to the bank to send payment we wouldn't have a truck to pay on any longer. This needs to stop or we'll deal with this company a different way. Their practices are too overreaching, unfair, rude, non professional and nasty. They don't treat you as a human being. Then, you can't make your payment at the car lot even though they're all the same company either. You have to make it online and they charge another {$4.00} for the fee on top of your payment. It's not good business in any way.

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 2021-10-22 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: MD

Complaint narrative:
on XX/XX/2021 I received notification from my Credit Reporting company that someone applied for a credit card with XXXX XXXX using my name, social security and birthday and this lowered my score by 9 points and will stay on my report for 60-90 days. I contacted the credit reporting company and the credit card company to file a fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Company : XXXX  XXXX Account # XXXX Description : Inaccurate because the 2-year payment history for XXXX, Equifax, and XXXX are reporting different dates and inconsistent payment history for the dates between XX/XX/XXXX - XX/XX/XXXX. Also, the date last active reports XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. All 3 bureaus can not be right. All reporting must be 100 % accurate.

I submitted this dispute with Equifax online on XX/XX/XXXX. And their investigation was complete on XX/XX/XXXX. Which makes me believe all my documentation submitted for evidence was not considered. Also, the Equifax upload portal is always conveniently having issues when documentation is uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I looked into my credit and found several accounts that didnt belong to me from finger hut. I disputed it however theyre certain that the account belongs to me. I asked for proof that I opened the account but non was provided to me! This account appears on my credit report twice theyve also sold the account to a collection agency, so not only are they trying to collect but the collection agency is also to collect which is clearly showing on my credit report as a debit and its showing as recent as XXXX which isnt true this fraudulent account has been on my credit for over 7-8 yrs. But Im just made aware of this. Im also having an issue with an Old car loan that was opened in XXXX thats saying that I owe XXXX on a car that was all paid for Except for {$690.00} which was the original charge off the past due was {$780.00} the Car was stolen in XXXX they keep re submitting this on my credit report my car was stolen In XXXX. I provided the police report to the finance company yet theyre showing that the debt was as recent as XXXX and thats not true! I only owe {$780.00} which was all owed from me because the insurance paid the rest! Unfortunately I didnt have GAP insurance so I was left with a balance of XXXX,, at the time I was upset that my car was stolen not to add that I had to repurchase a new one so I couldnt afford to pay them and buy another car! They refused to work with me so it went on My credit! I have a Police report support what Im saying! That this was in XXXX not XXXX! These people are making it impossible for me to reestablish credit by putting fraudulent, false and negative things on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My mortgage servicer is Select Port Folio, Requested mortgage assistance because I have been affected by covid-19, and the mortgage term ballooned out. I have requested assistance several times. I have received denial several times, each time I receive a denial for mortgage assistance it has been for a different reason. The mortgage servicer mortgage assistance dept. appears not to know how to process my request. I am a teacher, the pandemic has been difficult for me mentally, financially, emotionally and I lost several family members of which I help to bury to the pandemic. I need a Covid -19 mortgage assistance, my mortgage loan terms fixed with a fixed interest rate and term. I don't want to be homeless. Some of Select Port folio reasons for denial is the investor does not want to modify my mortgage, and they don't have my income information of which I have faxed and emailed several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I called FedLoan Servicing to ask a question. The computer voice said wait times were longer than 20 minutes and to press 1 in order to receive a callback without losing your place in line. Instead of being offered a callback, the computer system repeated the same message, no matter how many times I selected the 1 option when asked to do so. Finally, FedLoans phone system hung up on me. This is only the latest example of how pitifully bad FedLoan Servicing behaves towards federal student loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
on XX/XX/2021 I received notification from my Credit Reporting company that someone applied for a credit card with Capital one using my name, social security and birthday and this lowered my score by 9 points and will stay on my report for 60-90 days. I contacted the credit reporting company and the credit card company to file a fraud report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My VA Mortgage loan was in active forbearance pursuant to CARES Act but was reported 120 plus days delinquent.

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 2021-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My VA Mortgage loan was in active forbearance pursuant to CARES Act but was reported 120 plus days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CA

Complaint narrative:
My VA Mortgage loan was in active forbearance pursuant to CARES Act but was reported 120 plus days delinquent.

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 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P.
State: MI

Complaint narrative:
This is LTD Collection Agency and I have NEVER bought ANYTHING from them therefore I can not owe them ANYTHING. They are calling trying to collect money from people who don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX XXXX, 2021 an international money wire was initiated by our XXXX XXXX XXXX ' family from XXXX, XXXX in the amount of {$200000.00} ( USD ). This wire goes through Wells Fargo as the intermediary bank prior to be released to my personal bank, XXXX XXXX  XXXX XXXX. 

The wire was never received into my account so I talked to my bank beginning on XX/XX/XXXX to investigate and then spoke to a manager at a local Wells Fargo branch to see what we can do. Both have said on this visit and numerous visits and conversations with management since that there is nothing they can do. The XXXX XXXX  initiated a wire trace and confirmed with us on XXXX XXXX that the wire had been received by Wells Fargo Bank in XXXX XXXX. This money has still never been released to my account with XXXX XXXX  XXXX XXXX  5 weeks later. 

The bank in XXXX has provided numerous documentation of the wire confirmation, communications they have sent via XXXX to Wells Fargo to cancel the wire since the money is not being released, etc. with no success. 

I have talked with executives at XXXX XXXX  which say there is nothing they can do and when they send a XXXX message to Wells Fargo they say nothing is pending. I have attempted to contact executives and the wire dept at Wells Fargo with no assistance either. Neither party is willing to help and this family and ourselves are out over {$2000.00}.

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 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: FL

Complaint narrative:
On XX/XX/21 ECHANCED RECOVERY CO L, Flagged my credit reports, Damaged my FICO SCORES UNLAWFUL! I have not run my credit except for of me in the process now to buy a home, this wasnt on my credit up until XX/XX/21! 


They are illegally reporting something that i complaints to you guy about before! 

Suspect & Company information : Name : Enchanced Recovery Co L Address : XXXX XXXX XXXX, XXXX fl, XXXX Phone : ( XXXX ) XXXX XXXX Victim information : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX Phone : ( XXXX ) XXXX Im a responsible individual and Im ignorant about this false claim of {$950.00} and need it off my credit report Asap. I cant provide any other information because i am ignorant. to give because I dont have any knowledge! 

It is illegal to damage someone credit wrongfull! 
I need it gone off my Credit report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XXXX XXXX I the consumer XXXX XXXX went to XXXX XXXX in XXXX, Pa where I entered A consumer credit transaction. I was then extended my credit through ally bank to purchase a XXXX  XXXX XXXX. After this transaction was made with my credit card or social security number which paid for this transaction without I the consumer to assume any liability pursuant to 18 USC 8, I began receiving billing statements requiring me to pay an alleged debt that I did not owe. Pursuant to 15 usc 1666 ( b ) this is a billing error. The billing amounts reflect a positive balance in which they are saying I owe but it is unlawful to pay on a positive balance. Pursuant to 15 USC 1692 ( e ) This is false and misleading. Adverse and threatening action was then taken against me for this alleged debt. My vehicle was repossessed by an unauthorized third party, in which it was never in their possession nor did they own it which is theft, all without my consent or prior knowledge. They also sent documentary evidence confirming this adverse action against me.

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 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/21, I made purchase on the website XXXX and selected PayPal as my payment method. I have several credit cards and one checking account stored with the financial technology company. I have previously selected a credit card as my default method of payment for any transactions ; however, when using the service, the retailer will generally redirect to PayPal to complete the purchase, whereby I am able to ensure the payment method desired is selected. That did not occur through my purchase on XX/XX/21. Instead, PayPal automatically debited my checking account. I contacted PayPal immediately after the purchase was completed ( instead of being routed to the PayPal website upon selection, I was notified that the sale was concluded ) only to be told that " automatic payments '' are permitted with " some '' retailers and that I have to log into my PayPal account and manually search and select different vendors to secure my preferred payment method. Further, authorizing my credit card as my default payment device " [ did ] not [ apply ] to automatic payments. '' I have never before been transparently informed by PayPal of this " automatic payment '' process and am incensed that I DID NOT authorize them to debit my account and have now had to contact my banking institution to ( hopefully ) rectify what is increasingly appearing to be a fraudulent transaction as the seller of the goods through XXXX has not responded to my messages and XXXX is requiring a seven-day waiting period for a cancellation. PayPal, meanwhile, claims no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
They reported non payment to my car note and i dont have the car anymore because its was total lost, and i made a payment to the bank but because they didnt receive the check on time they hit me with delinquent payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I complained XXXX of 2020 about incorrect information of late payments on my credit report and did not hear back from Select Portfolio Services regarding the problem. I sent to them copies of my bank statements as proof that I had made my payments on time but got no reply. 

My name is XXXX XXXX. Account XXXX and XXXX. Select Portfolio Services assigned these numbers to my accounts ( Consumer Credit Report : # XXXX ) XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Santander fraud was opened on XX/XX/2020. I have tried contacting this company several times via affidavit of truth sent directly to the consumer relations department over the past year and they have not sent me the title to my vehicle or my information which has been reporting to the consumer reporting agencies, even after I have sent them numerous notarized documents proving that this alleged debt did not belong to me and was a part of identify theft.

Company response to consumer: Closed with explanation