vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XXXXXX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello I have two late payments on my account which is not true I contacted capital one many times and they keep updating the same incorrect late payment from XX/XX/2017 a 30 day late payment and a 60 day late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I XXXX XXXX have been impacted Covid 19 and my state has a surge of covid 19 deaths and on 30 day lock presently and I am trying to stay safe. 

I have a invested property XXXX XXXX XXXX XXXX il that I have owned for 13 years and my tenant has moved out 9 months ago during the pandemic. 

I can not afford to fix this house back up after spending my life saving well over {$150000.00} or more and I am not working. 

I can not afford to keep this property and a tax buyer has purchase the taxes due {$24000.00} according to my Estimate Cost of Redemption good for 30 days only. 

The property according to the BPO from a licensed Realtor rececived comps with the damage and condition the property is only worth {$34000.00} Now I had requested to do a deed in lieu and instead of giving my {$10000.00} per letter from my SPS attachted. 

I went the extra mile to find a cash buyer to pay my investor {$10000.00} and pay off the outstanding Taxes and water bill to protect my credit avoid filing bk ruining my credit and leaving my investor with the mtg getting wiped out. I have submitted the purchase contact Offer and Estimate Tax Redemption from my County Clerks Office and outstanding Water bills. 
The redemption is only good for 30 days I was told.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-11-16 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: AZ

Complaint narrative:
I logged into my Ally Auto account on XXXX to see what the remaining balance was. My online account advised me that my loan was paid in full as of XXXX. I contact Ally at XXXX on XXXX to confirm the address the title could be sent to and was advised that there was still a balance owed of {$960.00}. I urged the agent to look again as I was being advised online the loan was paid in full. 

The agent requested I refresh my browser and my online was still advising me that my loan was paid in full. She again insisted that there was a balance owed.

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 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I contacted my mortgage company Dovenmuehle Mortgage , Inc in the XXXX of the pandemic to see what options they had due to my employment status and I was advised to be put on a 3 month forbearance program due to lack of work during the pandemic so I agreed. I returned back to work soon after so immediately after the 3 months passed I contacted them stating I wanted to make the payment in FULL because that was one of the options they offered and I wanted to be current and up to date on XX/XX/20 and they said no problem. I paid {$12000.00} which posted on XX/XX/20 and on XX/XX/20 my payment posted as normal of {$2500.00} and on XX/XX/20 my payment posted as normal of {$2500.00}. My statement is not reflecting off the payments I made and I'm being told my payments are all suspended which I don't understand where the money is. All I've been requesting since I made that large payment in XXXX is a payoff letter. They provided me with a few letters which aren't current and when I explain that to them they see that in there notes but refuse to correct the issue. They don't allow me to speak with the supervisor and I don't know what else there is for me to do at this point. I don't understand why they are holding the money and not applying it towards the loan. I was never informed any of the payments would be suspended. I contacted that at least 50 times from my XXXX payment and got no where. I feel taken advantage of and keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I made a dispute for two purchases from Ally Bank for two items of {$79.00} and {$27.00}. the dispute number for these items they told me was XXXX. I told Ally Bank that these two items were defective. They reported these purchases as unauthorized instead of defective. I received a notice saying that the purchases were authorized ( not what I originally reported ) and because of that they would not provide me a credit. My problem is, I requested the documentation used in making their decision for the dispute ( as is my right ) and have not received it. The second time I request these documents was XX/XX/2020. So it has been over a month now since the first time I requested it and I was told by Ally Bank today XXXX XX/XX/2020 ) that they made a note of it but did not send the documents. Ally Bank 's chat correspondence is not date and time stamped so I'm not sure how useful a screenshot of the conversation would be.

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 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
Account for XXXX XXXX ( XXXX ) which i do not/never had. Previously talked with someone and they told me another account was opened at another address in same neighborhood. Which i never lived there so idk how my info is keep being used even tho i have my ssn blocked. Tired to them doing to me. I don't wan na result taking it to the attorney general. But if not fixed and taken off i will use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have Slate Chase Credit Card, Chase have been charging me@ 29.99 % APR on Purchases, i had tried calling them in the past tried to negotiate rate but no luck. Then i stopped using this card for almost a year and then they sent me a notice of canceling my card if i don't use it. To my knowledge, if Bank cancels my card it reflects negative on my credit report. Besides this, its outrageous for banks to charge 30 % apr on credit cards Purchases, i have another credit card from Chase/with Amazon Prime that they have 12 % apr ( Thanks to Amazon ). And on all my other credit cards i don't have APR more than 15 %, i have an excellent credit history and FICO scores even then Chase charging this outrageous 29.9 % APR. Imagine consumers with not so perfect credit history and FICO score? 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Tesla, Inc.
State: CO

Complaint narrative:
tesla finance approved my lease transfer from original owner on XX/XX/20, i have been making lease payments since then and they lost my paper work to send to DMV to register the car - they are not finding a resolution for the problem and when i call once a week to talk to a manger they keep saying no one is avail and will call me back. i can not drive the car due to this and i have to still make payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lincoln Educational Services Corporation
State: PA

Complaint narrative:
I received a telephone call from XXXX management the week of XXXX about a Lincoln Tech debt that is from 2012. I explained to the debt collector that I will not be paying the debt because it was an invalid debt then and it is still an invalid debt now. I also explained with the age of the debt there is no reason for me to resolve because I have more recent things on my credit that I need to clear up. I then explained that I wanted communication to cease and desist. The call ended. Yet they proceeded to place another phone call on XX/XX/XXXX with a voicemail left for me. The voicemail never stated the company name or that it was a call from a debt collector. When returning the call I realized it was the same company. They acknowledged that I advised not to call a week prior. I requested the recordings in which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-16 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: GA

Complaint narrative:
Capital One is reporting a payment as late over 90 days from XXXX, XXXX, and XXXX of 2018 on my credit report. The payment was late due to a problem getting the autopay to work through their website, which was not my fault. I couldn't get the autopay through my bank to work either, though it works for all of other recurring bills. Once an agent from Capital One was finally able to get it set up herself, the payments started drawing. I did not realize that one payment was missed and sat overdue in the confusion. They didn't notify me of this, either. I have attached the receipt from XXXX and the bill reminder from XXXX, neither of which mention an overdue amount. When an agent called me in XXXX and advised me of this, I paid it immediately, but they are unfairly reporting late payments which were not due to my error, but to their own problems getting the payments to go through even though I made every effort to use their system and received messages that my auto-pay setup was complete. 

I have contacted Capital One, and one agent admitted to me that what I'm saying is reflected in the call logs, but that she couldn't do anything about the problem. They escalated the issue to " the President 's Office '' but all they have done is send me multiple copies of my promissory note and payment history. They won't listen to the real issue. This was an error by Capital One and I have a good, clean, on-time payment history other than when they were having this issue. They are unfairly hurting my credit history report. 
I am not disputing that I agreed to pay the money, nor the dates when the payments were received. My problem is that the reason that the payments were late is not my fault as I was trying to use the systems that Capital One provided, but through no fault of mine they wouldn't work. I couldn't get the payments to go through. I want them to do the right thing for a long-time customer and adjust this report since this was not my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION LLC I did not apply for credit with any if the accounts listed on this page I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX listed twice XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: FL

Complaint narrative:
hard inquiries on my account i did not made. 
US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America held my check deposit for 10 days with NO availability of funds. I am a 23+ account holder with them with a combination of seven accounts and deposit my auto settlement check and need to pay my bills. The original insurance check that was cashed, came from bank of america which the insurance company bank with Bank of America, then they holding my funds for 10 days and it only take a matter of 2 days for things to clear from one bank to another. then i tried to pay one of my bills so I won't accrue any more fees, and they return it back because of the hold they have my check deposit, which I know they got the money from the other bank because it has been 3 days since the initial deposit of my check. Then, they charged me a return check fee sending an oxymoron statement that don't make any sense. " You may have insufficient funds, the amount to be paid, is way lower then the amount that was deposited. They did reversed the fee. However, dishonor my ACH payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX, 2020 I noticed the payment I made to Capital One Credit did not clear my bank. I was not charged any return fees at my bank so I do not know what caused this. I immediately called Capital One Credit. I explained this to an agent of Capital One, and voiced to them I wanted to pay by my debit card to make sure the payment was made, so my credit report would not be effected. The agent then told me to not be concerned, because of the covid-19 situation it would not reflect badly on my credit report, she said she could not access all information on my account, but would put a note in my account that I called. I again tried to pay a payment however she convinced me to not make one, saying that I could pay it next month. 
XXXX I made a payment for XXXX and XXXX payment. 
I looked at my credit report and Capital One Credit had reported me being 30 past due. This caused my credit score to fall XXXX points! I filled a complaint through XXXX XXXX to dispute the derogatory mark. About 30-40 days later it showed that this mark was acknowledged by creditor but not cleared. 
I have called Capital One Credit every month trying to clear this and everyone I have talked to ( supervisors, managers ) have told me they can do nothing, that I can only dispute this through a reporting agency. 
I feel this is unfair and underhanded to tell someone that It will not be reported as a bad mark and then turn around and do that very thing, especially with me trying my best to pay the payment at that time. 
I am in the process of refinancing my mortgage and am having difficulty due to this one discrepancy one my credit report. I have not been late on any other payments on this account. I am being penalized for something not of my doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation