vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I paid off a loan with Ally Bank on XX/XX/XXXX via electronic payment. The funds were immediately taken from my checking account. When reached out to Ally to inquire about receiving a lien release letter, I got no response. I reached out a second time the following day via social media and was told someone would reach out within 24 hours. I still received no response. I then called on Monday, XX/XX/XXXX and was read very vague statements about the process. " It will take about 10 days to process payment '', " it will take about 7 to 10 days to mail the release ''. I reached out on XX/XX/XXXX, which was 10 days after the payment was initiated and spoke to a representative that told me it would be faxed on that day. It did not come on the XXXX, so I called again on the XXXX and spoke to XXXX, a supervisor and was again given vague dates. " Need to wait a couple more days for processing ''. This is a process that takes less than an hour in a branch and I have been waiting nearly two weeks. I have expressed my frustration and keep getting the same response from Ally. I would like specifics on when the release will be sent to me and how ( I prefer fax or email ). I am not given the grace of a range of dates for payments and if someone is 1 day late they are assessed a fee. The same standard should be applied when a contract has been satisfied.

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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I've contacted Capital One numerous times asking to reduce my interest rate. Even though I pay timely, pay more than the minimum, they said it was offered to me at that time. In XXXX XXXX, I had XXXX in transactions and XXXX interest XXXX XXXX XXXX in transactions and XXXX interest XXXX. XXXX XXXX in transactions ; and XXXX interest XXXX XXXX XXXX in transactions and XXXX interest XX/XX/XXXX XXXX in transactions and XXXX interest XXXX XXXX no transactions, XXXX interest XXXX XXXX no transactions XXXX interest XX/XX/XXXX no transactions, no balance, XXXX interest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Our small nonprofit has checking accounts and a credit card with PNC. Our current credit card charges foreign transaction fees, but PNC offers some cards that do not. In a call with XXXX XXXX on XX/XX/XXXX, XXXX XXXX asked him to find us a card with no foreign transaction fees, and he told me he would get me information by the end of the day. XXXX told him it didn't have to be that day, a week or so would be fine. We never heard back from XXXX on this issue, and on other issues he wouldn't respond unless we forced him too, so we notified PNC and they removed him from our account. In late XXXX and early XXXX we had a series of overseas purchases ( XX/XX/XXXX and XXXX, and XX/XX/XXXX, XXXX, XXXX, and XXXX ) for a training tool we need for our anti-corruption work. These purchases incurred foreign transaction fees because XXXX never got us the new card we asked for, so we were out a total of {$200.00} in foreign transaction fees because of XXXX 's negligence. On XX/XX/XXXX XXXX emailed XXXX and itemized the charges and asked him to reimburse us. He emailed back that he wasn't on our account anymore but would have someone follow up. Later that day XXXX got an email from XXXX XXXX asking to set up a call to discuss our transition to a new business banking manager. He told her we didn't need to have a call because we were taking our business our of PNC so all I needed her to do was get us a refund on the charges. We didn't hear anything for several days so XXXX checked in again on Friday the XXXX and she replied back that she couldn't talk to him, she had to speak to a signer on the account, that being XXXX or XXXX. XXXX gave her permission to work directly with me, and XXXX reminded her that he is also listed as a representative on the account, so XXXX already had permission to handle these dispute issues on behalf of XXXX. Despite this she still refused to deal with XXXX and tried to force XXXX to speak directly with her. XXXX finally spoke with someone at PNC and told them to work directly with XXXX on this issue, and they agreed they would. Despite this, XXXX has still not heard back from PNC regarding the issue. In the attached emails, PNC email XXXX to be exact, you will see that I gave written permission for them to deal with XXXX, but they still refused. Now that I have given them express permission on the phone to deal with XXXX and they agreed, I expect that to happen so we can take care of this issue and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: NY

Complaint narrative:
Ive downloaded my annual credit reports and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime Bank which is insured by XXXX XXXX XXXX suspended my account without providing any reason. My entire account balance is now inaccessible. When trying to communicate with Chime 's customer support through their phone line, they refuse to provide any information about the issue or how it can be solved. When trying to communicate through email, they are non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: FL

Complaint narrative:
ON XXXX XX/XX/07, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE ARE STILL ITEMS THAT ARE PRESENT THERE ON WHICH I FEEL LIKE THEY WANTED IT TO STAY THAT WAY. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from XXXX. I followed up with a letter on XX/XX/2021. I have received no correspondence from XXXX regarding this request. 

I sent the same request to TransUnion and XXXX  specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. TransUnion and XXXX both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that XXXX received on XX/XX/XXXX and TransUnion received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.

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 2021-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from XXXX I followed up with a letter on XX/XX/2021. I have received no correspondence from XXXX regarding this request. 

I sent the same request to XXXX  and Experian, specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. XXXX and Experian both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that Experian received on XX/XX/XXXX and XXXX received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.

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 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021, I completed an online ACH money transfer from Wells Fargo to XXXX XXXX in the amount of XXXX dollars. After a few days the funds were not transferred in the XXXX XXXX but on XX/XX/2021 XXXX XXXX refund the XXXX back into my account. Unfortunately, I am not aware if Wells Fargo business practice does this but once the funds was return in my account, Wells Fargo immediately did a bank withdrawal reversal on XX/XX/2021 and sent the XXXX dollars out of my account without my authorization back to XXXX XXXX 

I submitted a claim to the Wells Fargo online department and spoken to several representatives about the matter, after their investigation I receive several letters that appear to be conflicting about the transaction error. The letters states that were no account errors on my end and the transaction was done correctly. Another letter I receive is states I did not have the funds and is very misleading and conflicting. I continue to call and request detail information, such as an financial audit transaction, but have not receive it. From my conversation and understanding, Wells Fargo assure me there was no error of insufficient funds on my part and confirmed the funds requested for bank to bank transfer were in my account. I am concerned after speaking to XXXX XXXX they confirmed that their bank return the XXXX funds on XX/XX/2021 but has not receive the second transaction from Wells Fargo reversal process. Can someone please assist me in this matter, its been over 2 months and I have not gotten this issue resolved. 

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 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
Repeated calls all thru the day for months..im a XXXX XXXX and this has really XXXX times for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
A debt on my credit report states that the debt was assigned in XX/XX/XXXX when it was actually assigned in XXXX or XXXX. Now that the assignment date has changed, the account will sit on my account for an additional 6 years. I have also disputed this debt multiple times and have never been provided any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: IL

Complaint narrative:
I had my mortgage for 3 months with Stearns lending. It was taken out automatically on the first of every month ( XXXX, XXXX, and XXXX ). I noticed on XXXX my mortgage was not auto deducted, so I went on my account to see that my loan was sold to another lender. I have received NOTHING. Assuming it was lost maybe in the US Mail, I logged back into my account to find a number to call to try and get ahold of a live person to find out who is servicing my loan and there is NO OPTION ON ANY NUMBERS to talk to a live person. There is no documentation on my account as to the transaction. Right now I have on way of knowing who has my loan and it is 5 days past the due date!

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 2021-04-06 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that 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 gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: RI

Complaint narrative:
On or around XX/XX/2021, there was a new account on my XXXX  credit report as collections. The company was Sequium Solutions, the collection agency for XXXX XXXX. I called Sequium twice to resolve and when i mentioned id theft, the representative hung up on me, both times. The first representative mentioned an address of XXXX XXXX in XXXX, TX, which i was NEVER a resident. I then called XXXX XXXX and they do not have an account for me.. not by name, phone number or ssn. How do i get this off of my credit report?. I have disputed once, but they claim the account is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: The Best Service Co.,Inc
State: FL

Complaint narrative:
I closed the account in XX/XX/XXXX. XXXX checks tried to be cashed in XX/XX/XXXX. 
I was never contacted by the bank. My first knowledge was phone calls from Best Service Company. I immediately contacted the bank and was told about the XXXX checks. I ask that they verify that they actually paid the checks. The next day I received conformation the bank has paid the checks and debited my account which had caused an overdraft. I sent the bank funds immediately to cover the overdraft which the acknowledged. They also said they contacted Best Service Company to stop calling and threating me to put derogatory credit information on my credit reports. I am still receiving calls from them. 

Another strange thing is when Best  would call they gave me a phone number to call back, When I would call back they would not talk to me about the problem with out me giving them my SS number, which I never give out over the phone. Giving them their own reference number was not an option.

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 2021-04-06 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: NY

Complaint narrative:
I am writing to you because I recently sent to companies letters since XXXX of 2021 about how they are reporting my credit and wrong information and I still have not heard anything from them which is wrong and unjust. please look into this for me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive downloaded my XXXX XXXX XXXX and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this 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 non-monetary relief
Consumer complaint received 2021-04-06 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: FL

Complaint narrative:
Because XXXX XXXX has provided me list of services provided by XXXX XXXX XXXX XXXX without a medical release of information, my privacy has been violated. At no time did XXXX XXXX provide medical release of information signed by me to submit my medical information to TransUnion and XXXX. At no time did XXXX XXXX provide copy of their contract demonstrating their business relationship with the covered entity. The sale of protected health information without individual authorization is strictly prohibited. Both TransUnion and XXXX  should be held liable. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
Because a HIPAA-covered entity ( XXXX ) and its business associate XXXX XXXX violated my health information privacy rights, I have filed and attached a complaint with the U.S. Department of Health & Human Services - Office for Civil Rights ( OCR ). OCR can investigate complaints against covered entities ( health plans, health care clearinghouses, or health care providers that conduct certain transactions electronically ) and their business associates. I have also filed a complaint with the Florida Attorney General 's Office.

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 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/2019 amount due is XXXX i have filed an identity theft report at identitytheft.org

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This Capital One credit card account was charged off in XX/XX/2018. I was unable to make payments at the time due to financial hardship. I reached out to Capital One on several occasions to initiate a settlement to no avail. After looking over my credit report recently, I realized that Capital One has been reporting this same Charge off as a brand new Charge-off every single month since the original date of the Charge-off, totalling 30 different Charge-offs on my credit profile. It looks like I have 30 different accounts with Capital One that all got charged off! I reached out to Capital One to resolve this issue over a month ago, and I have made several follow up calls since then to no avail. Every representative said the same thing. They agreed that it should only be 1 charge-off, not 30! as an account can only be charged off once. Then they promise to escalate the dispute and have a supervisor reach out to me but I never get a response back. This issue is very pressing because I can't get a mortgage loan due to this negative item on my credit report and I am an expectant father.

Company response to consumer: Closed with explanation