vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I went to XXXX XXXX XXXX, Md to look at used cars on XXXX XXXX. I was going to co-sign a loan for my sister because she doesn't have established credit accounts. My sister picked out a XXXX XXXX XXXX and we took it for a test drive. The salesman that greeted us name was XXXX. We went inside to apply for credit we were shown a printout with corresponding interest rates to fico scores. According to the printout my fico score of XXXX corresponded to somewhere between XXXX XXXX something. After XXXX the salesman copied and recopied information several times he came back and said we only qualified for 13 % interest and couldn't even get that without {$3000.00} down payment. I suggested to XXXX my credit application should be ran with lenders I have a relationship with. He assured us the credit application was ran with many lenders with the best possible rate. We left the dealership but decided to go back the next day. I decided to co-sign for my sister. Again XXXX assisted us we were there for hours signing and resigning the same papers over and over. Finally we were sent to the finance manager who was fully aware I was to be the co-signer on the loan. My sister traded a XXXX XXXX XXXX in on the loan which she was credited {$200.00} for. I got a letter in the mail from Ally Financial on XX/XX/XXXX stating that because if misrepresented or omitted information they determine I'm the owner of the XXXX XXXX XXXX. Me nor my sister omitted anything on the loan application I'm supposed to be the co-signer. I have talked to Ally financial and they say they can't change the names of the signer and co- signer because they just buy the loan from XXXX XXXX and they determine signer and co- signer. This is even though the dealer misrepresented or omitted information on the loan application. I also have found out my application was only submitted to Ally Financial which is a subprime lender. I believe this what resulted in a higher interest rate. I was also told that we could only get a 48 month term because the auto is seven years old I believe this is a lie.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have a Travel Rewards credit card that has been used for 4 years. Today ( XXXX XXXX ) I want to change this card into Customized Cash Rewards Credit Card, but the customer service does not agree, and told me that I must apply for a new one ( maybe they want customers to open more New account ), but I dont want to open a new account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like the trade line from XXXX XXXX XXXX to be deleted as it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with Account Number XXXX and a Balance of {$68.00} was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I transferred money from an online platform called XXXX to an expired account I held with Citibank on XX/XX/XXXX. The account with Citibank was closed sometime in XXXX but was still saved in my list of accounts with XXXX. XXXX gave me the ARN number to track the transfer with Citibank as it didn't bounce back. However, the financial institution Citibank failed to comply and consistently refused to check the ARN number. The ARN number is the following : XXXX XXXX sent me a log of the transfer events for the transfer that is marked as complete on their end for an amount of XXXXUSD on XX/XX/XXXX at XXXX XXXX. I can provide my expired account number, routing number and the last 4 digits of the card if it can help retrieving the amount or forcing Citibank to comply with their fiduciary obligations and check the ARN/provide a full log of events.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
After the transfer of my mortgage loan servicing to PHH Mortgage, I discovered when attempting to schedule my third payment online, that they charge an " up to {$7.00} '' fee for online payments if not enrolled in paperless statements. This fee appeared in the mobile application as an " Included draft fee ''. There is a link in fine print to view the fee schedule, but the new fee was a surprise when I logged in to make a payment. Although PHH Mortgage offers cheaper payment methods, charging up to {$2700.00} over the course of a 30 year loan for electronic payments is ridiculous, particularly when electronic payments are regularly accepted online at no cost for consumer loans and mortgages. Electronic payments are certainly cheaper to process than other payment methods, such as checks ( accepted with no fee ), so an argument that the fee offsets the actual cost incurred by the mortgage loan servicer does not ring true. Fortunately, I was not in a position to need to expeditiously schedule my mortgage payment to avoid a fee, since changing my statement delivery method to avoid the fee takes three business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion XXXX and XXXX has reported inaccurate information of my consumer report which has damaged my reputation and and made it harder for me to obtain money or credit services for the benefit of my household. Transunion XXXX and XXXX had reported sixty ( 60 ) inquiries on my consumer report causing my score to drop significantly which hinders my access to my federally protected right to credit. I have since had these removed after hiring a credit sweep company to manage the task. I was then informed that my rights had been violated and I was due actual damages for their carelessness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: U.S. BANCORP
State: NV

Complaint narrative:
I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 have recently been the victim of identity theft and have had several hard inquiries from federal credit unions that I have never heard of. I have contacted all of the creditors and they have not removed the hard inquiry from the account. I have frozen all three credit reports and placed a security alert on my account. I would like the following hard inquiries to be removed XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Veripro Solutions Inc.
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTS FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS IS A FRAUD LOAN. I DO NOT ENCOURAGE YOU TO MODIFY OR ALTER DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) with Account number XXXX and a Balance of {$300.00} is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XX/XX/2021 I received a bill for {$99.00} dollars and change on my MasterCard from capital one. This charge was for a subscription from XXXX. I had been getting these charges every year for awhile. I would call capital one and dispute this charge and they would issue me a new card and disallow the charge from capital one. The problem was, they would then give my new card number to XXXX and the next year it started all over again. I am being charged on a reoccurring charge that I did not authorize nor want the service. I tried to call XXXX, but the phone numbers provided to me by capital one and rivals are bogus. I had to end up paying XXXX after added fees. For a fraudulent charge from rivals and they were helped by capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLL ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: IL

Complaint narrative:
WHEN I WAS YOUNGER MY MOTHER USED MY SOCIAL SECURITY NUMBER TO GET UTILITIES IN MY NAME. I WAS UNDER THE AGE OF XXXX. 
MOVING FORWARD, MY INDENTITY WAS STOLEN IN XXXX. I HAD ME AND MY CHILDREN BIRTH CERTIFICATES, SOCIAL SERCURITY CARDS, ID AND DRIVER LICENSE INSIDE MY CAR BECAUSE I HAD AN APPOINTMENT FOR RENTAL ASSISSTANCE AND FORGOT TO TAKE THEM OUT. ONE OF CHILDERN HAD TO GOTO THE CAR AND GET THIER BELONGINGS OUT THE CAR AND DIDNT LOCK THE DOORS. THE NEXT MORNING WHEN I GOT READY TO LEAVE FOR WORK I NOTICED THAT MY CAR HAD BEEN SEARCHED THROUGH. GLOVE COMPARTMENT WAS OPENED. 
CHANGE WAS MISSING AND MY DAUGHTERS CELLPHONE CHARGER WAS GONE. I THEN WENT TO THE BACKSEAT TO REALIZE THE THE MANILA ENVELOPE WAS MISSING. WHICH IS WERE ALL MY PERSONAL IMFORMATION WAS WITH MY DRIVER LICENSE AS WELL. I'VE HAD A VERY HARD TIME TRYING TO GET THE THINGS I NEED IN LIFE AS FAR AS LIFE. I DONT UNDERSTAND HOW PEOPLE CAN GET ACCOUNTS IN YOUR NAME AND ITS HARD FOR ME TO GET ONE WITH MY OWN IDENTITY. 
NO INFORMATION CAN BE GIVING OUT FROM THESE COMPANIES BECAUSE I DONT HAVE CERTAIN INFORMATION THEY NEED TO VERIFY THESE ACCOUNTS THAT ARE IN MY NAME. IVE TRIED TO DISPUTE THESE THINGS ON MY CREDIT AND NOTHING HAS WORKED. I WANT THIS THINGS TAKING OFF MY CREDIT SO THAT I CAN START MY LIFE OVER WITH HOPE & CONFIDENCE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I just got off the phone with an Experian supervisor and CSR who told me there were no past disputes against XXXX or XXXX XXXX account which just boggles my mind since I have all the CASES I HAVE SUBMITTED ON THE CFPB! I initially called to ask how to read my dispute results that are coming from them. This guy said he had no idea. And now a XXXX XXXX XXXX account that has been closed for YEARS ending in XXXX is OPEN & CURRENT? XXXX? This company is incompetent and I have no idea what they're doing with these disputes I have filed as they show no record I ever submitted any! This guy told me a different department at Experian deals with CFPB complaints and that I can not talk to them. They have not provided any resolution to my complaints and now stating theres no record and an archived account is now active? PLEASE STOP CLOSING MY CASES UNLESS THERE IS A RESOLUTION PROVIDED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc.
State: MD

Complaint narrative:
I contacted XXXX XXXX  to advise them I was affected by the Covid Pandemic and was told I would be able to suspend my payments under the Cares Act. They sold my mortgage immediately to XXXX XXXX - My acct number with them is XXXX Both on XX/XX/XXXX, XX/XX/XXXX and again today- i was given the run around. 
I contacted them also and was sent to the collection department. I emailed them at XXXX - SUBJECT LINE - NOTICE OF DISPUTE ERROR CORRECTION NEEDED ACCT XXXX XXXX XXXX In XXXX, XXXX and XXXX and XXXX - and again today- I notified my former mortgage company, XXXX XXXX  that I needed to suspend my mortgage payments under the COVID CARES ACT. Now I am getting letter of FORECLOSURE which after speaking several people I know that this cant be correct. PLEASE help me COVID has ruined my life and now you are trying to take my house when I was assured I could get relief under the CARES ACT. My employer was sold after XXXX and my income and life have been affected and I need help. 

I've call their Customer Service - ( XXXX ) XXXX I spoke with XXXX who advised me that he would get this addressed and again I have received a notice of foreclosure! 

My email address is XXXX My Home Address is - XXXX XXXX XXXX, XXXX MD XXXX My cellphone - XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-10-05 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
There are several unauthorized inquiries on my account that I have no knowledge of, these inquiries has been on my XXXX credit report since XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was a victim of fraud. I was contacted by who I believed was chase bank with a text message asking if I had tried to schedule a transaction of {$3000.00}. That text message was followed by a phone call which phone number I believed to be chase bank ( I checked the phone number to see if it matched chases customer service ). The call said that there was someone trying to do a transaction of {$3000.00} with XXXX and also a transaction of several XXXX dollars in FL XXXX. I said that was not me and I did not authorize those payments. He assured me he would put a hold on my card and decline those charges. After that he put me on hold as he said he was contacting the team that works with fraud to report it. He asked me a series of questions and prompted me to change my name on my XXXX account to yes, my name. He then prompted me to erase my phone number off my XXXX and my email address which I did. Then he asked me to re add all this information which would give me a code to verify which I have to him. After all this changing of my name, email and phone number and re-adding. He asked me to XXXX myself the funds in my account to myself which was {$1400.00} because they were cancelling my debit which I would no longer have access to. So I did that and thought it would be transferred to my new account or something. He had me confirm my account was a at XXXX and told me Id receive a new card in the mail and Id have to sign for this new card and I should receive it in 2-3 business days. When I never received the card I thought it was strange. I called chase on XX/XX/XXXX asking where my new card was and the guy told me they never contacted me and that I was never issued a new card. At that point I asked that he connected me with the fraud department and I told them what had happened. The lady said it should be resolved and that I should get my funds back. The next day on XX/XX/XXXX I received the funds on a temporary basis while they investigated my claim. Fast forward XXXX and they send me a letter via my account and tell me my claim has been denied due to them saying it was authorized by me and that the funds will be taken out of my account after or on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 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: NC

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there is an inaccurate itemon my credit report. This have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation