vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XXXX we closed refinancing our home mortgage and the funds were transferred to our old mortgage company, Ally Bank. On XXXX I discovered that Ally Bank was not showing the mortgage paid off. I then began reaching out to both companies to get it resolved. Through calls they have confirmed for me they received the funds but they were not applied correctly to my mortgage due to the an error in the wire transfer not including the account number in the routing number. On asking what needed to be done to fixed told it would not be a problem to correct. Two weeks later and many phone calls I continue to be told the right people are working on it but no one can provide me time table to resolution or any clear next steps when to expect progress on correcting the issue. I have included below a summary as best I recall of the activities. Until the last few days I was not keeping the log real time so some dates may be in error but it is very close to the activity. Will also attach the wire transfer confirmation that was sent on XX/XX/XXXX to Ally Bank. 

Called on XXXX to see why loan not payed off, was told not received and to reach out to new lender. 
On XX/XX/XXXX got wire confirmation from new lender. 
Called back to Ally and explained have the wire confirmation. Was given email to send it to and told they would correct. Sent payoff information as advised on XX/XX/XXXX including PDF of wire transfer confirmation Believe on XX/XX/XXXX reached, Be (? ), was most helpful who finally determined issue. The routing number for the wire was wrong so they received the funds but it did not route to my mortgage correctley Told escalated to her supervisor and to payoffs supervisor. 
Multiple calls ever ~2 days always told in good hands and being worked. Did not document these well. 
On XX/XX/XXXX talked to XXXX, again confirmed the transfer was received but had account number wrong. Was sending again to payoff department, committed to call me back within a day.

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 2020-07-24 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To whom it may concern early XXXX I was severely impacted by the XXXX and was XXXX in result of XXXX  from the XXXX  reached out to my credit card provider so I could have my payments deferred it was a hassle to get through to the credit card provider as there was longer than normal weight time I did get through and spoke to a representative from an overseas call center she confirmed that my credit card will be deferred but I should call back at the end of the month if further deferment needed l also call in XXXX as well my credit card provider still reported to the credit bureau that I was late XXXX XXXX and XXXX I also went ahead and bring the account up to current status before the month of XXXX ended. Currently holds three credit card from this particular provider and never been late on any of my account before the mandatory shelter in place order due to the COVID-19 pandemic that was issued by my state and city Thank you for taking my situation into consideration

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 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I mailed a debt verification letter to national credit systems in regards to a debt in my name. I sent it certified mail and it shows they received it XX/XX/XXXX. I called a few weeks after for an update. I was told that since I wanted this information the police would be sent to my house and a police report would be made out for fraud. I only asked for information on XX/XX/XXXX they sent a bill but no verification to the debt which is required by law to answer in 30 days. So theyre trying to say they sent something but they didnt just a bill and no verification and a threat to call the police for fraud since I was fighting the claim. By law its a requirement to answer if not then to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
LoanMe, loan in the amount of {$2400.00}. 
I have paid LoanMe and I am free of debt with them as of XXXX. They, however, claim I have not. I have my paperwork that states I have, which has been enclosed for your review. Aside from this ridiculous attempt to continue to collect a paid debt, they claim I owe them interest. 
I have been contacted by XXXX XXXX XXXX trying to collect on a paid debt. Because of a family tragedy I was in a bad place financially and had to obtain a loan from this unethical company. My biggest regret. 
I have worked in Collections for over 20 years, their procedure or methods of collection can be considered unprofessional to say the least. 
They claim I have an unpaid balance because they claim I didn't finish paying my debt in XXXX. Their collection/accounting department didn't realize this information until the end of XXXX I will not be penalized for their bad record keeping. My employer received a judgement in XXXX, she forwarded it to the payroll company and {$2400.00} was garnished, plus an additional {$440.00} just last year when they tried to garnish me again at my new employment. Based on the payment history I received from LoanMe on XX/XX/XXXX, I have an outstanding balance of {$570.00} In XXXX they received {$440.00}, so technically my balance should be {$130.00} The credit report I received shows I have a balance of {$170.00} or {$410.00} not sure why. LoanMe are crooks with bad record keeping, how they came up with me owing {$2100.00} again is beyond me. I need this resolved, their constant harassment has caused me anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NY

Complaint narrative:
I uploaded a document stating that the inquiries on my report were not authorized by me. The inquiries were not removed from my report nor was a reason provided as to why the inquiries were left on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have an account with XXXX. PNC keeps unlinking my card to make payment withdrawals for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I keep getting calls asking for my deceased father even after it was explained to them that I was not him

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 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I noticed on my XX/XX/2020 statement that the XXXX Balance is  incorrect. The " total balance '' on page 1 of my statement, does not reflect a {$68.00} credit received from " XXXX XXXX '' on XX/XX/2020. On page 2 of my statement, the " Total charges, credits and returns '' is correct, {$600.00}, and should have been my total balance due ; $ XXXX {$68.00} = {$600.00}. 

On XX/XX/2020 I tried to get this resolved by chat message and then a phone call, but was unsuccessful. I was told someone would look into the charges and contact me. I received a letter this week stating my dispute has been resolved and that I was mistaken. I do not believe I am mistaken. 

Today I checked my XX/XX/2020 statement and noticed the same issue -- I was credited {$130.00} on XX/XX/2020 from XXXX XXXX. Page 2 of my statement " Total charges, credits and returns '' indicate a balance due of {$220.00}, but page 1 shows a balance due of {$350.00} which ignores the credit of {$130.00}. I unfortunately did not catch the XX/XX/2020 statement error until now and paid {$350.00} last month. 

I would like to receive credits due me of {$68.00} and {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX, AND I AM A VICTIMOF IDENTITY THEFT SOMEONE BROKE INTO MY HEHICLE WHILE AT A COMNVENTION IN XXXX. THEY STOLE MY WALLET ALONG WITH PERSONAL INFORMATION MY ID AND SOC, I, IAL SECURITY CARD, INCLUDING MY LAPTOP. BECAUSE OF THIS CHILD SUPPORT IS TAKING MONEY OUT OF MY PAYROLL, I HAVE TAKEN CARE OF IT IN THE PAST, BUT CHILD SUPPORT IS REAPPEARING ON MY CREDIT FILE. I JUST HAPPENED TO HAVE A COPY OF MY ID AND SOCIAL. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME> XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX/XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX/XXXX XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/XXXX XXXX   XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX  OPRNRD : XX/XX/XXXX AMT. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : EQUIFAX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AUTOMOTIVE XXXX XX/XX/XXXX THIS PROBLEM HAS BEEN GOING ON SINCE XXXX, I NEVER CHECKED MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: MI

Complaint narrative:
Trying to apply for an XXXX  through XXXX XXXX XXXX, my current mortgage company and they are requesting things that are not required under the XXXX programs for Vetran. Shouldn't financial institutions be required to follow the guidelines set down by VA? In order to be able to offer these type of loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I noticed that Common Wealth Finance reported {$200.00} debt in my credit report and I asked them to remove it since I have always been covered with health insurance and never received a bill from anyone related to XXXX  XXXX. I asked them if they had proof of my debt to please send me details, they never did and again reported me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: CITIBANK, N.A.
State: NM

Complaint narrative:
I received credits in excess of {$70000.00} from cancelled vacations to my XXXX  credit card account. 
On XX/XX/20 using online chat I requested that I be refunded the credit balance by way of a check. I was told to expect the check in 7-10 business days. 
On XX/XX/20, using online chat, I requested the status. I was told it was being reviewed. 
On XX/XX/20, using online chat, I requested the status. I was told that the refund had been approved on XX/XX/20 and to allow 7-10 business days to receive the refund. 
I also called to speak to an account specialist who told me that a check was being processed. 
On XX/XX/20, using online chat, I was told that a check was sent on XX/XX/20. 
It is now XX/XX/20 and I have still not received the refund. I did receive a letter today, dated XX/XX/20, from Citi saying that a refund check has been sent and I should receive it in 10-14 business days. If the check had been sent by the time that this letter was written, why will it take 10-14 business days to arrive? 
This credit had been in my account for some days before I requested the refund. Therefore Citi had confirmed that this was my money, in my account, i.e. it was genuine. 
Why then do they have to review whether I am entitled to a refund of my money and drag out that process for two weeks. If indeed a check was raised and sent on XX/XX/XXXX, why have I not received it when I have already received a letter dated XX/XX/XXXX? 
Clearly it appears to be Citi 's policy to hold on to monies as long as they can under the pretext of review, having to raise a check and the mailing process. 
It is totally unacceptable that Citi withholds a large sum of money belonging to me without cost or penalty. 
The interest rate on my account is 13.99 % APR. If I owe Citi any money, they will charge me interest. As they have withheld my money, they should therefore pay me interest at that same rate. To date, since the day I first requested the refund, interest amounts to {$700.00}, according to my calculation, and continuing to accrue.

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 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX XXXX- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All these transactions occurred on the same date XX/XX/XXXX. I contacted Cashapp several times through their app and they refused to refund the money that was taken from both of my accounts due to the scam. I contacted XXXX regarding both of my checking accounts that were connected to my XXXX cashapp accounts and they refused to refund the money that was stolen due to the scam. I was told since they were my accounts and I've done transactions in the past they denied my request despite how I told them the process that the scammer used to get into my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK
State: OK

Complaint narrative:
I have a Discover credit card and Discover banking account. The Discover banking information was removed from the Discover credit card account as a payment method. The credit card company is still trying to take it from the bank account, even though I ( even though the payment has been made ( from an account that is not with Discover ) ) removed it, and I have a confirmation email saying the payment method was removed ( Wednesday ) Today, which is Friday my account is now XXXX, showing they have tried to take it out once again. 


I have tried to talk to fraud about this both from Discover bank and Discover credit card. The Discover credit card fraud lady, XXXX, said the last 4 numbers of my credit card is incorrect, which it is not.. Something is egregiously wrong, and they are not willing to solve it. 
Basically the credit card side is continually trying to take money from my bank account when the payment method ( which was the bank account ) has been removed ( again, I have the confirmation ) and it was not an automatic payment either. 

Also, 2 weeks ago from today I could not get into my bank account and they tried to blame it on me. 

I talked to them the week of XX/XX/XXXX XXXX. 
I received an overdraft notice on Wednesday, XX/XX/XXXX, and removed the bank payment method from my credit card account once again on XX/XX/XXXX. Today, which si XX/XX/XXXX, I received a notice saying payment I tried to make from the account wont go through? I have not tried to make any payments from this account (? ) I especially think something fraudulent is going on now because the fraud lady said the last 4 of the credit card number I gave her was incorrect, it is the same number on my card. Also, because I had to change my bank account number a couple of weeks ago, it would not let me in even though it was the correct number. I believe I also talked to them on XXXX as well. 
Also, when I opened the account online and I called in to ask questions one of the reps asked for my full social, which I dont give over the phone-especially since I have learned they are working from home. I complained and was given a new card, but that still does not fix things because I dont think they needed that I had the code or number from when I opened it ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MN

Complaint narrative:
My name is XXXX XXXX and I reported my check being stolen on identify theift and I told direct express about it and I explained to them that some one hacked my card I tryed showing them it was not me .I did not make the buys on my card. And denied me the refund to my account.and if you look back you'll see I never made these purches before I've never spent over XXXX to XXXX dollars over there places I've never gone to before.please help. 
Thank you sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief