vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was working with Ally to apply for a new home purchase mortgage and they purposefully mislead and lied to me on many occasions about my home loan application and hard credit checks.

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 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I deposited 14 checks into the atm for a total of {$73000.00}. The atm malfunctioned and took the checks without applying the checks to the account. This occurred on XX/XX/2021. Today is XX/XX/XXXX and my account still hasnt been credited the checks. 

I called and filed a claim with Wells Fargo right after it happened on XXXX XXXX. I have called the claims department several times since then and I get a different answer from every person I speak with. 

As of now, the bank hasnt deposited the checks and told me it can take up to 90 days. Nobody knows where the checks are and I havent received a confirmation of the location of my checks!! 

They stole my checks and are doing nothing and have done nothing the last two weeks to make it right.

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 2021-09-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX of 2020 I sent TU, XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. Courthouse does not verify such info as described in attached letter. All Bureaus recieve a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of 2020. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XXXX XXXX at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately as this will be my last courtesy before i file a legal claim for damages

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 2021-09-10 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
These accounts that appear on my credit report do not belong to me, they are hurting me, please check them WF BANK NA Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX  Account Number : 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 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Under penalty of perjury, I hereby attest to the fact that neither I, nor anyone I know, authorized the XX/XX/2021 {$26000.00} ACH from my Chase business checking acct XXXX. This same person ( XXXX XXXX ) attempted to steal an additional approx. {$7000.00} on XX/XX/XXXX, but I was able to put a stop on that outgoing ACH. 

I have filed two claims with Chase Bank XXXX on XX/XX/2021, and XXXX on XX/XX/2021. Chase has denied my claim twice, claiming I have a relationship with the person who stole my money. This is categorically false, and Chase has refused my multiple requests to prove that I authorized this transaction ; undoubtedly, this is because no such evidence exists. My liability under Reg E is {$50.00}, as I reported this ACH fraud to Chase within 2 business days of it occurring.

In no way whatsoever did I benefit from the funds transfer. This money was unequivocally stolen from me, and I have never heard of anybody named XXXX XXXX, or any name remotely like that. I have no relationship with XXXX XXXX, and I have not idea who he/she is. I challenge both Chase and XXXX  XXXX XXXX to provide me with any authorization I ever gave to effect this ACH. 

My only business banking relationship with XXXX  XXXX XXXX is two XXXX XXXXXXXX Visa credit cards. I have provided evidence to Chase that the {$26000.00} unauthorized ACH was not directed to my credit card account. The only ACH I have authorized with XXXX is to pay my credit cards in full on the XXXX of every month. 

I have filed a police report with the XXXX XXXX XXXX Police Department ( case # XXXX ). Det Sgt. XXXX XXXX is investigating, and is having search warrants issued to both Chase and XXXX  XXXX XXXX. I also filed a report with the FBI at complaint.ic3.gov. I am meeting with Special Agent XXXX XXXX on XX/XX/2021. 

I demand Chase return this {$26000.00} to my business checking account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc.
State: SC

Complaint narrative:
On XXXX XX/XX/2021, my son, who is authorized to access my account, call to inquire of the PIF amount. He spoke with a " XXXX '' with Affiliate Mortgage Services. He introduced himself and made the request. He didnt easily recall my social security number but referenced a previous email whereby I authorized him to speak on my behalf and access my account. When she wouldnt provide the information, my son called me at work and connected me on three-way. 

After verifying myself, I alerted XXXX my son was authorized and she confirmed he wanted the PIF amount. We both concurred. She then said she needed to get someone else on the line to assist. 

My son and I challenged her by saying she led us to believe she was providing the information. My son spoke up and indicated she had wasted our time and that we needed the PIF amount and if she couldnt provide it the principal amount would suffice. XXXX disregarded us, misled us, was unprofessional, and merely transferred the call to the collections department. The call went to voicemail. We tried calling XXXX back and each time she sent us to her voicemail. 

My account isnt in collections. 

This agent needs immediate remediation and the company should be investigated for potential CFPB and OCC reg violations. THe agent needs to understand there is a proper way to address customers, to provide proper information, and not misled, insult, or be disrespectful.

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 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.

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 2021-09-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.

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 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Friday XX/XX/2021 - Two separate times - Sycrony Financial has called for someone who is not me trying to collect a debt - they attempted multiple times in the past and i have told them that i am not the person they are looking for and have told them to put me on the DO NOT CALL list multiple times but they have ignored that statement.

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 2021-09-10 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: NV

Complaint narrative:
XXXX and Equifax is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, Equifax data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NV

Complaint narrative:
XXXX and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.

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 2021-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. 
My mortgage company was Home Point Finacial. They have sold my loan to a new company and have marked to the credit bureau that my account has been closed. This has put a negative impact on my credit history and score!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
These accounts that appear on my credit report do not belong to me, they are hurting me, please check them XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
. Identity Theft GM FINANCIAL Account Number : XXXX This is not mine. 

XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/XXXX my wallet was stolen in the XXXX airport before heading on a vacation. I later found out someone had gone to withdraw all of the money in my checking account and also max out my credit cards. I bank with Capital One and they have done a horrible job at investigating the situation and allowing me to get my money back. They determined it was theft, but I still havent had access to my money and its been a month. I have had no access to ANY of my accounts and have had to resort to borrowing money from friends and family so that I would be able to pay rent and buy food. They finally gave me access to just one of my accounts and allowed me to transfer money to my girlfriend, but its been three weeks and she still has not received the money transfer. Capital One claims its in transit, and have given us MANY different times of arrival for the moneybut it still hasnt shown up in her account despite them having the correct bank, checking, and routing number. AT NO POINT have they allowed me to get a temporary card. To me this is unheard of, as I know many people who get temporary cards when their money is stolen. I have been working and havent even had access to any of my pay checks because they havent given me access to my accounts. I am basically about to be XXXX because I am not able to pay any of my bills and I cant survive without money for any longer. I have gotten no where by speaking to the employees or the higher ups, and at this point Im afraid my {$23000.00} dollars I have worked hard for is gone forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My consumer rights have been violated. I am displeased and feel unsafe. 

To whom it may concern, Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to the subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I XXXX XXXX XXXX, never gave TRANS UNION any written consent to report anything on my consumer report, no consent is identity Theft. 
Under 15 US Code 1681 ( a ) Accuracy and fairness ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers To assume is to have no proof. The assumption your company has made has caused me stress in my life as the consumer reports created has caused me to miss opportunities to gain assets, products, and services.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

TRANS UNION has violated my privacy by assuming this role and creating credit reporting that many companies have use to verify my credit worthiness. As a consumer and a creditor this is unfair and a violation of my consumer rights. These negative items on my consumer report are defamation of my character. 

Concerning the accounts listed below as a consumer I am demanding a deletion of the following accounts. 
1. ) Account Name : XXXX XXXX XXXX ACCOUNT NUMBER # XXXX 2. ) ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX 3. ) Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. ) Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX 5. ) Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/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 2021-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/2021, I requested a manual review of my " ineligible payments '' for qualification for the Public Service Loan Forgiveness program. I was told that the review can take up to one year. Through this request, I submitted a cover letter, a table that included all ineligible payments in question, and proof of payment that spans different servicers, with the payments in question all highlighted. 

On XX/XX/2021, I submitted a complaint via the FedLoan Servicing Ombudsman with all supporting documents and information and I was told that I would get a response within 15 business days. After 15 business days, I was informed by the Ombudsman that FedLoan has 30 days to respond. FedLoan responded after 30 days and once again told me that my manual review was ongoing and that it may take up to one year. However, I asked them about the pending termination of their federal contract and how that would effect my review and they were unable to give me an answer. I also asked them that after the transfer of my loans to yet another servicer would this mean that I will need to start another manual review with the same supporting documentation and they were unable to give me an answer. 

Since the FedLoan federal contract terminates on XX/XX/2021, FedLoan will be initiating a process to transfer my loans to another servicer handling the Public Service Loan Forgiveness program. However, given the inability to provide me with answers regarding the effects of this transfer on my ongoing manual review, I asked FedLoan if they can expedite this review and they were unable to grant me this request. Therefore, I am filing a complaint to try to expedite the manual review with supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a fee free account with Suntrust bank. Suntrust and BB & T are now part of TRUIST. 
I just discovered that my account has been being charged a monthly fee of {$20.00} per month that the balance dips below {$3000.00}. 

I have never signed up for this, nor approved such a thing. Additionally, i have never been told of such fees. 

In my opinion this is simple theft. I know my amount is small compared to other complaints, but i need my money as much as anyone else. How many people could this be happening to?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 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: SC

Complaint narrative:
I entered into a contract with Capital One for a credit card on XX/XX/21 and was informed to put a down payment of {$200.00} for a credit line, which is a violation of 15 usc 1605 finance charge. I informed him that I am not obligated to pay pursuant to 18 usc 8. Also I sent an assignment of transfer my rights to delegate the account.

More is alluded in the documents I attached.

Company response to consumer: Closed with explanation