vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have an Ally Invest account. This account was hacked at some point. On XXXX XXXX, 2019, the hacker sold my stock shares and then transferred money to an Ally Bank account in my name. This bank account was opened by the hacker but the owner is in my name. The hacker ( named XXXX XXXX ) was trying to transfer money from there to himself. ( This hacker also attached my other accounts at XXXX XXXX, XXXX XXXX, XXXX, but all those frauds have been settled quickly. ) I found this hacking activity on XXXX XXXX, 2019 and informed Ally Invest the same day and got back control my account briefly and then the account was locked up by Ally Invest. Since XXXX XXXX, 2019, I do not have access to my account. 

On XXXX XXXX, 2019, an Ally bank agent phoned me and told me the bank account would be closed because it was opened illegally and the money ( total {$6100.00} ) would be sent to me by an official check. So far I have not received anything. I urgently need my money back. But the lady handling this case keeps playing tricks with me, first said on XXXX XXXX, 2019 that she was verifying the official check with XXXX XXXX XXXX, and on XXXX XXXX, 2019 said the check was sent to my address. But so far ( up to XXXX XXXX, 2019 ), I have not received anything. 

This poor customer service of Ally Bank is totally unacceptable.

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 2019-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I XXXX took out a Parent PLus Loan for {$25000.00} in XX/XX/2005. I my uncle XXXX XXXX was co-signer. The student was XXXX XXXX. The servicer is Navient. MY son was never a a co -borrower he was the student. HOwever NAvient has attached the loan to him.. IN XXXX we called Navient as their action is negatively affecting his credit as I have become XXXX and will be seeking relief. I advised that he was never a co-signer and asekd that original documents be sent to me, They were and clearly showed he was not a signatory. However a second set of document were sent to him and this was differed ans showed a signiature not made by him and dated XX/XX/2005 whic corresponds to the dae of dsibursement and validates that no such signiature could have been made since the loan app was in the hands of the lender at that eime. I need the attadhemt of this loan to my son removed so as not to harm his credit any further

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I received a credit alert that I had a delinquent account, and it was showing up as such on my credit report. I immediately paid the debt, afraid that it was something I truly owed. Once I paid the debt, I contacted the company to inquire about the debt, as I had not had an account with them for 6+ years. The company was XXXX  ( the internet/phone/cable provider ), who said I owed them for past due amounts. I never received any letters or requests for payment in the 6+ years that had passed between my account being closed at my request and the debt being put on my credit. Once someone with XXXX  looked into the matter, they admitted that I should never have been charged and it was an error on their part, they would be issuing me a refund. It took 2+ months to receive my refund via Visa prepaid card. Another 9+ months later, I bought a new car. This delinquent account was STILL showing as delinquent on my credit report, although the debt was paid, XXXX  admitted fault in ever reporting it, and refunded my funds to me. I have since tried contacting XXXX  multiple times with no avail. I am constantly told someone will call me back, but never receive a call. At one time, the debt collection company explained they would release it once they received written confirmation from XXXX  to do so ; however, it has been WEEKS and XXXX has not yet provided proof of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avantus, LLC
State: MA

Complaint narrative:
These are the Inquiries that I don't have permission and knowledge of. 

XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX  AVANTUS - XX/XX/XXXX XXXX  AVANTUS LLC Mortgage Reporters XX/XX/XXXX XXXX AVANTUS , LLC Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX  XXXX   XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX NA XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX Credit Card - XXXX XXXX XX/XX/XXXX XXXX   XXXX Credit Card - XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/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 2019-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Michael Andrews & Associates LLC
State: GA

Complaint narrative:
I purchased a car from XXXX XXXX in XXXX Ga in XX/XX/XXXX. The finance company that I made payments to was XXXX XXXX XXXX for a while then the car was sold to XXXX XXXX, then to XXXX XXXX. I'm not sure if XXXX XXXX and Michael Andrews and Associates are the same but the car was repossessed in XX/XX/XXXX by Michael Andrews and Associates. I spoke with the manager named XXXX  about payment arrangements and he agreed to let me keep the car if I made a payment the same week I spoke with him. However, I made the payment that week and the car was repossessed the same week. Now im receiving calls from Michael Andrews and Associates about suing me for the remaining balance after selling the car, which is {$5000.00}. I don't agree with their decision and I'm seeking justice because I don't think it's fair how they handle business.

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 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have been harassed by a collection agency by phone and letter over a medical debt that was long paid for. I notified them it has been paid, and was not delinquent or any of their concern. I receive harassing phone calls, some with the number blocked, and threats by their agents. I provided proof of the debt paid and told them to cease and desist ALL contact and harassment but they simply refuse. My rights under the FDCPA are now being violated and in addition to that they have now damaged my credit with a completely FALSE account and collection. I demanded the proof of entire debt, all itemized statements mailed and the notice of collection letter required to be given to me within 5 days of accepting any debt that they believe I owe. I have been DENIED all these things and CONTINUED harassment and VIOLATION off my rights per the FDCPA. NOW the FCRA is being violated and FALSE and INACCURATE and UNVERIFIED IN FULL WITH REQUESTED DOCUMENTS. I am livid at the actions of this collection and am seeking an attorney to seek monetary relief and fines and fees from the Attorney General if this is not ceased immediately and removed from my credit. 

HIPAA VIOLATION NOTIFIED AND SENT TO ATG.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MA

Complaint narrative:
These are the Inquiries that I don't have permission and knowledge of. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I have been working with a fiancial advisor to clean my credit I sent out a letter to receive validation of a debt on XX/XX/19 to Caine Weiner XXXX XXXX XXXX XXXX XXXX  CA XXXX via certified mail. i know that they received it. Over 30 days passed by and I never heard backf rom them at that point i sent letters to all 3 bureaus to notify that by law they never validated this credit that I owed. And I needed this removed of my file. I sent those letters out XX/XX/19 and have only received a response back from transunion to which I was told they will not remove the debt, I still have yet to hear back from the other two. By law a creditor MUST validate my debt if i ask, they have 30 days to do this, they never did. And BY LAW the  agencies should remove this debt. 

I contacted them after on XX/XX/19 to then see if i atleast can make a deal to pay it off at a lower cost even though i feel I should not owe this, They denied me of that and told me no the amount of the debt was to small to do a payoff. I tried all avenues to recitfy this and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: OH

Complaint narrative:
There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: OH

Complaint narrative:
There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud

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 2019-11-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.
State: NH

Complaint narrative:
Caliber Home Loans repeatedly calls my Cell Phone for a Debt XXXX XXXX from NJ owes due to being delinquent on home loans. I have been assured on three occasions that the number has been removed and they continue to harass me. The calls have been going on for 2-3 years despite repeated attempts to convince them it is not my loan. 

Today, XX/XX/2019 I received a call from the XXXX XXXX in regards to the loan after being contracted by Caliber Home Loans. I spoke to XXXX XXXX who I asked to remove me from their list. 

Caliber Home Loans XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My payment information on my Wells Fargo Mortgage is not being recorded by XXXX  as it is on XXXX  and XXXX. I have contacted Wells Fargo and they have reviewed and confirmed that the information has been given to XXXX  since XXXX of 2012 as it was with the other three agencies. I disputed this with XXXX  and they are saying Wells Fargo is not reporting the information. For some reason Wells Fargo information is accurate at the other two so why would XXXX  be any different. I have attached my XXXX  and XXXX  payment logs for proof of what I am saying is the case.

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 2019-11-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried to get a loan that shows it has been charged off on my Equifax credit report removed. The loan is in good standing and I was told by the loan agency to dispute it on my credit report and it would be removed. I went through the credit agency and they denied my dispute, but my husband disputed the same loan and it was removed from his credit reports. They will not remove it from mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
My mortgage was refinanced with the money source NMLS # XXXX in XXXX. I received a billing statement from them on XX/XX/XXXX. I made a payment of {$2200.00} to the money source on XX/XX/XXXX even though no amount was currently due. This is when the problem occurred. The Money Source did not apply the payment and didn't notify me. They did not refund me the payment either. At the end of XXXX, they notified they were selling my account tXXXX XXXX XXXX ( XXXX : # XXXX ). I called them asking why this notice didn't reflect the payment I made and they said it would post with the transfer to XXXX XXXX. That didn't take place. I then called them again on XX/XX/XXXX and XX/XX/XXXX and emailed them on XX/XX/XXXX. No method produced results. I called them on XX/XX/XXXX and they said they sent the payment to XXXX XXXX by wire on XX/XX/XXXX but XXXX XXXX said they didn't receive anything. At this point, I made a payment on XX/XX/XXXX and was not made aware that they wouldn't post the payment and they didn't refund it. Each day they hold my money, I pay approximately {$30.00} in interest on my mortgage.. Since I wasn't told about this and no communication was made to me and the funds were reversed, I feel like I'm entitled to my full payment and the interest I accrued on my loan while they held my money for free that I intended to pay a loan with. My XXXX statement ( that i had to pay again ) reflects {$970.00} in interest per month. That's {$32.00} in interest per day they're costing me and we're at least 20 days in since last payment ( {$640.00} as of today ). 

I just want my money and the interest they cost me by holding the payment. This could have been avoided if they told me or gave me options to refund it or hold it, but deceitfully they held it without telling me when they should have applied it to the loan. 




reference : XXXX XXXX wired on XX/XX/XXXX. {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
In XXXX or XXXX of XXXX our mortgage account was sold to another company ( PHH Mortgage/Financial ). The Original loan with Ocwen Mortgage was for {$130000.00}. Around XXXX we went through a modification due to financial hardship, which raised our balance to {$150000.00}. The current balance is almost {$30000.00} ( {$180000.00} ) more than the original loan. We have requested the original documents for the loan, and the modification documents with amounts. The company have not sent the documents as of yet, which has been over several months ago. 

We became aware of this issue in XXXX when we were wanting to seek refinancing and lowering our current mortgage payment and viewed our credit report. On the report it had two amounts for a balance {$130000.00} and {$180000.00}. 

We are seeking assistance to understand the grave discrepancy in the two amounts and to seek guidance with dealing with the mortgage company to remedy this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: IN

Complaint narrative:
My XXXX credit report shows a collection from Capital Accounts LLC for a debt of {$190.00} to a Doctor XXXX XXXX ( eye doctor ) that has been paid in full. 

Capital Accounts LLC claims it is still open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-20 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Chexsystems, Has responded 2 different times and every time they do not address my complaint. 
I am hoping this time they will addressed the specific complaint and only complaint is that check systems breaks the law and that law is FCRA section 605B. 
That law specifically talks about the CRA which is what chexsystems is. 
Once I provide 4 items to chexsystems or any CRA, they must block within 4 business days no later than 4 business days the items that I identify as fraudulent and not mine and a result of identity theft. 
Chexsystems adds things to the 4 the law names very clearly. The law states verbatim : 1. Adequate proof of my identity 2. A copy of the identity theft report 3. That the consumer identifies the fraudulent items in the file 4. A statement that the consumer did not cause the fraudulent accounts or items to be opened. 
That is it that is what the law requires nothing more and nothing less. 
Chexsystems takes it upon themselves over the past several years, To add such things like the identity theft report is too old. Or that the identity theft report must contain the fraudulent accounts in it. Or that the identity theft report must be signed by a law officer. 
Congress does not have any of these things as a requirement and so check systems breaks the law by requiring them because they do not fulfill the law until after their requirements are met. 
There are no reasons or excuses chex systems can add that gives them any valid or legal reason to break the law of not blocking with them 4 business days. 
Stop this from happening.

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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
The company did a report to my credit a medical bills with no reason because I have insurance and they didnt charge to my insurance or send the bill to me before, when the insurance already paid the bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation