vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I paid off Ally Bank in full to XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX in full for account number XXXX XXXX XXXX XXXX. In the amount of XXXX paid on XX/XX/XXXX online. I received the loan through XXXX XXXX XXXX XXXXXXXX XXXX XXXX located in XXXXXXXX Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ally sent me my first invoice on XX/XX/XXXX. My name was misspelled on the invoice. It was spelled XXXX XXXX. I mailed a certified letter XXXX XXXX XXXX XXXX XXXX XXXX asking Ally Lending to correct my name as it was misspelled on the invoice. I sent the letter to their New York address above as instructed by them on page 2 of the invoice. XXXX XXXX  notified me on XX/XX/XXXX, " the lender and owner of your Ally Lending loans ( s ) changed from Ally Bank to XXXX XXXX. '' " If you have other accounts with Ally Financial, those accounts will remain with Ally and will continue to be serviced by Ally. '' Located XXXX XXXX XXXX XXXX Tx, XXXX. I am confused because Ally nor XXXX have acknowledged my payment in full made online, it seems that they want to say that I owe both companies for the above amount. Would you please help me in getting a clarification of my true status with this transaction and these XXXX banks.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I traded in a vehicle back in XX/XX/XXXX and the agreement was, XXXX XXXX was going to pay off the remaining loan on the car I traded in which was a XXXX XXXX XXXX. XXXX has had possession of this vehicle since and was suppose to pay off the loan. They did send out a full payoff check but for whatever reason, Capital one returned the payment to XXXX and only partial of the loan was paid off. I had a remaining of around {$3000.00} to be paid off and it has gotten to the point its effecting so much of my life. I cant even get a place to stay applying for apartments. It has a past due delinquency balance since XXXX being the first month it reported late. Every time I would reach out to the dealership.. I always get a response what is your phone number and Ill have the team reach out to you I have text messages showing how often I would reach out to the manager at that location about my problem and he would say its sent out or it will be taken care of and it never got resolved. Capital one has threatened me of repossession on my report on a vehicle I already sold to XXXX. This has been stressing me out so bad that I have no more options since nobody at the dealership is willing to help. According to the manager, he is unable to give me any phone numbers to get this resolved. I need somebody to reach out to me asap about this matter. I have been dealing with this for 7 months now and its not fair that something I have no control over, is reporting on my credit as negative. Please can somebody help me with this asap. This has been going on way too long. Its hard to be patient at this point. Especially when it has effected my life in so many ways. The level of frustration and having to deal with unprofessional behavior at the dealership. Promising me that they will help and never even return my calls. Cant even provide me any information to ge this resolved. This loan needs to be paid off immediately. I have attached proof of when XXXX sent out the check in full amount to pay off the vehicle, how the payment got returned. XXXX then sent out a partial payment with remaining balance of over {$3000.00}. Ive also attached proof of text messages of how many times Ive reached out to the sales manager that sold me a vehicle with a trade in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite numerous written requests, the unverified accounts listed below persist on my credit report, constituting a violation of federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. Inaccurate XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX ( Original Creditor : XXXX XXXX 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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I paid online on XXXX through the Avant credit card app. for the due amount of {$78.00}. There was a message that said " something went wrong please try again '' so I did. They ended up getting double payments. I called them and said I want them to refund the extra payment of {$78.00}. They said I had to wait till it posted. It posted 2-3 days later then they said it was " approved for refund '' but that I'd have to wait up to three weeks. I said there's no reason to wait so long just refund me. I called a few days later and emailed. Now they said they refunded me when they DID NOT. They insisted that I call my bank. My bank said they show the double payments that posted but NO refund. On the Avant credit card website my account showed - {$78.00} for about a week which was a credit for the overpayment now it shows I have {$0.00} balance. They kept my extra payment and NEVER refunded my money. They kept telling me to call the bank. Also they refused to send me an email they claimed to have sent me on XXXX. The customer service person told me to email XXXX which I have and they're response is call customer service. I just want my refund and for this company to stop this fraudulent activity. I saw other complaints on them when I reported them to the XXXX I asked to speak to a manager but all they said was to email XXXX which I did multiple times. They resolved NOTHING and kept the extra payment I made because THEIR website said to try paying again!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I found inquiries on my report that do not belong to 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 2024-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
contacting me for no legal reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/year> I sent a complaint about Onemain and their Deceptive practices, I am asking for CFPB to review complaint again, due to excessive fees and making me purchase an " optional add on '' service, such as there insurance for the loan in case of unemployment, and charging me extra included into my interest, once again showing the company has many unfair practices and is in violation. Please refer to below as this affected me as well CFPB found that OneMain : Tricked borrowers into signing up for optional products : OneMain customers were led to believe that they could not receive a loan without signing up for an add-on product. Some employees added the products to paperwork without verbally informing the consumer that the products were included or optional, a practice referred to internally as pre-packing. If the consumer identified the products and asked for their removal, employees were expected to make it seem difficult to remove the products. In other cases, employees obscured written disclosures from consumers view, or verbally contradicted them Please review or I will take further legal action on Onemain

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I found inquiries on my report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I found inquiries on my report that do not belong to 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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite numerous written requests, the unverified accounts listed below persist on my credit report, constituting a violation of federal law. The Transunion Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX ( Original Creditor : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite numerous written requests, the unverified accounts listed below persist on my credit report, constituting a violation of federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
To Whom It May Concern : In the most recent response by SLS, they claimed that this XXXX is NOT a " Zombie Second Mortgage '' ; but of course this is false : XXXX ) No payment has been made on this lien since XXXX ( see attached documentation submitted by SLS ). 
XXXX ) No contact was established between SLS and XXXX between XXXX and XXXX and again from XXXX to XXXX ( See attached documentation submitted by SLS ) XXXX ) SLS accelerated the loan on at least XXXX occasions before pursuing the current foreclosure proceedings ( See attached documentation submitted by SLS ). 

The documentation shows that this XXXX IS a Zombie Second Mortgage. SLS 's attempt to misrepresent the nature of this XXXX to the CFPB is a violation of the law. 

Furthermore, SLS 's nefarious activities that ignore laws, ethics, and decency provide them with a competitive advantage when compared with other companies which value integrity over profits. This is unfair to honest companies who follow 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 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: B9, Inc.
State: MI

Complaint narrative:
Charged transfer fees ... and then charged again for external wallet fees {$6.00} and {$3.00} at a time. Totaling almost {$50.00} in fees. 
( Same service, same transactions ) Duplicate fee charging under a different name. 
Predatory. No explanation. No option for funds being refunding. No warning about a second external wallet fee ... except somewhere hidden in fine print when you open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax claims that they investigated the inquiries listed on my report and verified them as accurate but did not provide me with any evidence to prove their claims. This a violation of FCRA. 

Equifax continue to report inquiries that are not correct. The inquiries listed below should be deleted. That are not authorized to have access to my consumer report. XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SOP Pioneer Partners LP
State: NC

Complaint narrative:
Despite numerous written requests, the unverified account listed below persist on my credit report, constituting a violation of federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of this account from my credit reports. 
XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: MO

Complaint narrative:
Can I get some help pls someone got into my other account and transferred money out, I cant even log in. its like XXXX for {$500.00} XXXX for XXXX XXXX for {$1000.00} and XXXX of them are {$200.00}. I simple pay my insurance and on a family phone plan and send money to my brother its always less than XXXX. This happened XX/XX/XXXX was told to wait until settled, I disputed got a new card and was denied my money back by Albert banking Ive been using them for years and never had this experience. Im very disappointed I been trying to get my money from XXXX XXXX and Albert and no one is trying to help me. I just want what belongs to me. They only forward me my account history details which serves no purpose

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX agreed to refund {$290.00} for overcharge of services never provided. XXXX XXXX reflects a refund of {$290.00} on my PayPal account but XXXX XXXX on actually refunded {$160.00} of the {$290.00}. PayPal offers a Purchase Protection on this particular card purchase up until XX/XX/2024. PayPal is refusing to honor there Purchase Protection guarantee stating I never provided proof XXXX XXXX intended to refund the services. I provided images of email communication as well as PayPal account activity record which reflect a {$290.00} refund but only {$160.00} refunded back to my form of payment which was my PayPal business card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
During COVID and my XXXX XXXX STRIKE which was national, I was out of work and unable to work. I worked with mortgage company ( XXXX XXXX XXXX ) about this issue and they placed me on a modication plan for 3 months at a lower amount. I successfully completed the 3 months and was approved for the loan modification. I was told that the new loan packet was being sent to me in XX/XX/2024. I tried to reach out to the company a few times to continue to make the monthly mortgage but was not allowed to while the paperwork was being prepared and sent to me. They did not respond to my messages, I was not allowed to continue the mortgage payments and no letter nor any loan modification packet was ever sent/mailed to me. Ive been waiting for it and nothing came and now they are trying to reverse the approval and charge me all this back pay. Ive been out of the country for a month for work as I am now back at work. Tried to explain that but i can not get any responses from them!

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 2024-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
On XX/XX/23 I went to car dealership ( XXXX XXXX XXXX ) to get a vehicle a truck they said I couldnt get a truck my credit wasnt good enough they pushed used XXXX XXXX miles for {$13000.00} after fees and all other add ons I owe XXXX for XXXX I never bought a car from a dealer before and I was definitely targeted and taken avantage of Ive had vehicle for XXXX  months now and on XXXX thermostat wipes dont work I put axle and wheel bearing in it and backup camera dont work definitely ( not ) a {$32000.00} vehicle

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