vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
We signed closing documents with Ally Bank while in XXXX  on a XXXX  condo. Days later we were informed by Ally that the closing was void because they failed to provide a lawyer at signing which is XXXX  law. We closed again several weeks later and continued paying both the original lender and then the new lender after the second, official closing. We then started getting bills from XXXX XXXX for the original failed closing. They insisted the original closing was valid and refused to help us. Ally also failed to help us. My credit score now has dropped by around 100 points due to XXXX XXXX showing late and missed payments on the fraudulent mortgage. This is the only negative thing ever on my credit report.

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 2021-08-11 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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 2021-08-11 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
ON XX/XX/2021 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/XXXX. I authorized XXXX to debit my for a ride that cost {$38.00}. This is the only charge I aithorized. XXXX proceeded to debit my account with my knowledge authorization or consent for {$800.00} and {$10.00} without my permission. I reported this unauthorized activity immediately to my financial institution XXXX XXXX XXXX, XXXX, of current  whichever name they operate under a dispute was filed and decision made that I was responsible for the unauthorized activity when visas zero liability for unauthorized charges policy covers me in events such as this with unauthorized activity. Prior to XXXX XXXX I had never had this company debit my account in any amount. Ive tried to resolve with XXXX and current bank and have been told day after day that someone would respond to my concern within 24 hrs and I have yet to receive a single reply from XXXX  or current bank via email or any other mode of communication since XX/XX/2021. Ive spoken to numerous reps via chat for both companies with XXXX  not replying and the current  bank reps i last spoke with insinuating that I was lying threatening me that they would request the video footage from XXXX. I never denied taking a XXXX  ride but it was only for XXXX not the {$810.00} XXXX  charged my account with any consent or authorization to charge my account in that amount and never presenting these charges to me. I have no idea why they charged me half of my rent money for a ride that was only supposed to be {$38.00}. I want my {$810.00} dollars back that this XXXX dollar company stole from my account. XXXX is not the IRS THEY CANT TAKE MONEY FROM PEOPLES ACCOUNT WHENEVER THEY FEEL LIKE IT WITH ANY CONSENT OR AUTHORIZATION TO DO SO. I REQUESTED THE DOCUMENTS CURRENT BANK USED TO REACH THE DECISION THAT IM SOMEHOW RESPONSIBLE FOR THE UNAUTHORIZED CHARGES TO MY ACCOUNT AND I HAVENT RECEIVED ANY DOCUMENTS OR RESPONSE FROM THEM YET. Keep telling me someone from the disputes department will respond to me via email and no one ever does. Im facing eviction with a 3 day notice from my landlord because half of my rent money was stolen from my account by XXXX  and my CURRENT BANK THINK IM RESPONSIBLE I NEVER SHARED MY CARD INFO OR BANK ACCOUNT INFO WITH XXXX  TO TAKE {$810.00} from my account when I only authorized 1 transaction using my wallet app on the XXXX and that transactions was only {$38.00} and not the {$810.00} that was stolen from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I financed a vehicle with GM Financial. I ended up refinancing with another company, however GM Financial never provided a final statement, they just marked my account closed. It makes me wonder if any overpayment was kept by GM Financial and not sent to me. I thought that a final statement is required to show a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
ON XX/XX/2021 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My loan pay off balance is not updated accurately on my credit report.

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 2021-08-11 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: NJ

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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 2021-08-11 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: NJ

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In previously filed a complaint w CFPB regarding the way my loan was being serviced, esp during COVID 19 hardship. I asked to have a new point of contact assigned, as my contact, XXXX, had given me incorrect information & I felt was biased towards me. I received a letter from SLS advising me of my new Point of Contact, but the customer service number provided was only for messages & when I called the alternate number for customer service provided on the recording I was told that XXXX was still my account rep & they had no idea who the person listed on the letter from SLS was. I am requesting the correct contact for my Single Point of Contact & the opportunity to apply for a loan modification plan. More time has gone by now that I was given the wrong information & it will affect my loan modification eligibility. Also in the previous complaint response, I was told to submit a loss mitigation package, but no package was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
hi thanks for this service the problem is with Paypal I was working on XXXX until PayPal limited my account for 180 days ( that's what they say ) because so far I have {$1400.00} blocked in my account after 18 months of the last transaction I have included a screenshot ( they say 6 months you will be able to withdraw ) The problem does not allow me to add a bank or visa to withdraw I have contacted them a hundred times without any response or effective solution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am a victim of fraud and disputing 2 charges on my account, I called and sent this via mail, they credited and they put it back again '' So i dont know what else to do so I decided to complain here i dont want to missed any payment because I'm protecting my credit and this was charges to capital one on XXXX  XXXX, XXXX I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$4000.00}, plus fees and interest XXXX- {$500.00} ( XX/XX/XXXX ) /XXXX- {$2000.00} ( XX/XX/XXXX ) /XXXX XXXX XXXX and posted on XX/XX/XXXX, XX/XX/XXXX,. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$6800.00}, and posted on XXXX XXXX. ( XXXX returned ACH $ XXXX XXXX ( XXXX  XXXX- XXXX XXXX XXXX XXXX {$1300.00} and fees and interest. 
I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX-Capital One Bank sent an email stating it was restricting my joint account due to unusual activity. My name is XXXX XXXX XXXX is the other account owner. The reference number is XXXX. I received my XXXX back pay on XX/XX/XXXX into my checking account to the tune of XXXX. I fought in XXXX in XXXX and the aforementioned payment was the first payment ever received. I am XXXX years old on my last years of life and XXXX has been by my side helping me to fight VA for years. Once the money came in, I proposed and purchased her an engagement ring. I paid her bills XXXX I purchased a truck. First ever. Then XXXX XXXX shut me down leaving her personal account in ruins also. I want to close my account and have capital one explain to both of us why they XXXX  profiled us and did this to our account. I have notified the veterans administration about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
The collection company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: SC

Complaint narrative:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SF VAGO, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I applied for an automatic monthly payment plan authorization with State Farm Bank. I followed up with a telephone call and learned from State Farm Bank that the authorization was received. On XX/XX/XXXX, I received a Demand to Pay Letter from XXXX XXXX XXXXXXXX XXXX XXXX for the sum of {$21000.00}. After talking with this Agency on XX/XX/XXXX, I learned for the first time that this debt represented the auto loan which had been placed under the automatic monthly payment plan back in XX/XX/XXXX with State Farm Bank. I replied to the demand letter initially by requesting to know the origin of the debt which I disputed and suggested that possible fraud could be involved. I sent a certified letter requesting the source of the debt.

State Farm failed to give notice that my automatic payment authorization was problematic and/or payments were never received. No communication was received regarding my account. However, when correspondence was generated which was the Demand Payment Letter, it was received through regular mail. Why not the same approach regarding delinquent or nonpayment,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
This vehicle was traded in for a new XXXX XXXX, also leased at XXXX XXXX XXXX  XXXX XXXX on or about XX/XX/XXXX. XXXX  XXXX requested the end of lease payoff amount to XXXX XXXX XXXX and then send them a check for the amount requested, and the checks were cleared by XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX, I was contacted by SETF to inquire where was the vehicle, I explained that the vehicle was traded in last year, therefore I didn't had the vehicle on my possession, or had any knowledge of the vehicle whereabouts since it should have been turned in back to them by XXXX. 

I recently received a letter from XXXX showing a charge of {$1700.00} for miscellaneous, which after calling them I couldn't obtain the detail of such charges ; I tried to resolve this in several instances and they ended reporting as a negative remark on my credit. 

On the XXXX side, I have an approach to Mr. XXXX XXXX, part of the management team at XXXX XXXX XXXX XXXX, who provided me copy of the agreement, and cancelled check, however he couldn't provide information when the car was actually returned to XXXX, and why it wasn't turned in in a timely manner. to establish responsability. XXXX did not posted the payment timely either, A XXXX report sent by Mr. XXXX it shows that the car was sold by XXXX on XX/XX/XXXX, with a mileage of about 17K miles ; when I turned the car at XXXX XXXX it only had about 9k miles, this clearly demonstrate that the car was in use for all this time, without my knowledge. 

I have contacted Transunion to initiate a dispute requesting them to change the damaging information on my credit, very damaging now that I am in the process of buying a new home, however it still in process.

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 2021-08-11 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: World Omni Financial Corp.
State: FL

Complaint narrative:
This vehicle was traded in for a new XXXX XXXX, also leased at XXXX XXXX of XXXX XXXX on or about XX/XX/XXXX. XXXX  XXXX requested the end of lease payoff amount to Southeast Toyota Finance and then send them a check for the amount requested, and the checks were cleared by Southeast Toyota Finance ( SETF ). 

On XX/XX/XXXX, I was contacted by SETF to inquire where was the vehicle, I explained that the vehicle was traded in last year, therefore I didn't had the vehicle on my possession, or had any knowledge of the vehicle whereabouts since it should have been turned in back to them by XXXX. 

I recently received a letter from SETF showing a charge of {$1700.00} for miscellaneous, which after calling them I couldn't obtain the detail of such charges ; I tried to resolve this in several instances and they ended reporting as a negative remark on my credit. 

On the XXXX side, I have an approach to Mr. XXXX XXXX, part of the management team at XXXX XXXX XXXX XXXX, who provided me copy of the agreement, and cancelled check, however he couldn't provide information when the car was actually returned to SETF, and why it wasn't turned in in a timely manner. to establish responsability. SETF did not posted the payment timely either, A XXXX report sent by Mr. XXXX it shows that the car was sold by SETF on XX/XX/XXXX, with a mileage of about XXXX miles ; when I turned the car at XXXX XXXX it only had about XXXX miles, this clearly demonstrate that the car was in use for all this time, without my knowledge. 

I have contacted XXXX  to initiate a dispute requesting them to change the damaging information on my credit, very damaging now that I am in the process of buying a new home, however it still in process.

Company response to consumer: Closed with explanation