vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
The company keeps calling my phone looking for my husband. I don't owe the debt and this is not his phone!

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 2018-02-01 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: Eagle Home Mortgage, LLC
State: TX

Complaint narrative:
Hi, As part of the purchase process with my new construction home - the builder XXXX require you to have a credit check with their lender, Eagle Home Mortgage in XX/XX/XXXX. 

The house is still under construction and is not scheduled to be complete until XX/XX/XXXX. I have not decided which lender I am expecting to use and was planning on shopping for rates at a date closer to closing. 

This morning at XXXX I received an email from XXXX XXXX a Loan officer at XXXX XXXX. 

" XXXX XXXX, Your credit report is expired and invalid. Credit reports are good for 120 days. This is notification that our Processing Department is updating your credit report for your XX/XX/XXXX closing with XXXX. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I responded at XXXX as below. 

" XXXX please do not pull my credit report. 

I do not give you permission at this point. 

Thanks, XXXX XXXX '' I then received this response " Greetings, I called immediately to halt this action but the report had already been pulled by processing. Your credit scores are still very good and this will have no negative affect on your loan approval here or at any other lender. My apologies this was not run by you first. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I did not give this Lender permission to pull my credit report and I am extremely upset with the assumption that they assumed they could pull this. 

This is the reason I am filing this complaint. 

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 2018-02-01 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: LA

Complaint narrative:
There is a {$57000.00} auto loan, on my credit report from XXXX XXXX. I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX XXXX  and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 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: LA

Complaint narrative:
There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX  transuinon and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.

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 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I was sending Ethereum via my wallet on Coinbase, XXXX XX/XX/2018. After a few failed attempts on verifying my ID to accelerate my transaction as it was time sensitive, my account was locked without prior notice. A ticket has been sent but to no avail. I have tried reaching out on social media platforms including their emails to also no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I have been disputing a missed payment that wells fargo reportedXX/XX/XXXX. I sent proof of payment to XXXX  verifying that the payment was not missed and they notified me that wells fargo assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with XXXX  and XXXX with she same incorrect information not removed.

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 2018-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc
State: WA

Complaint narrative:
I got letter from this collection agency base out of Washington state and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA. The company got the company that I filed with consumerfiance department and they said We received the complainants dispute notice on XX/XX/. Our records indicate that the previous address we had on file as an incorrect mailing address on XXXX XXXX in XXXX. We only recently obtained updated address information from his estranged spouse and mailed the validation letter to the updated address. Since it appears the complainant did not receive previous communication, we will provide a deletion of accounts recently reported for 30 days. I have not received any letter from this company explain or etc and I notice that place everything back on credit report this month without validation letter.I am going to report this action back to Attorney General today to see if his office give me better answer on this matter.

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 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: CT

Complaint narrative:
I received an alert on my credit report that an collection account with RGS FINANCIAL was added to my report. I reached out to the company and they advised it was for XXXX. I informed them that the account does not belong to me as i have never done business with this company. my information was used fraudulently to open the account which is why i have an credit alert on my credit report now. This account needs to be removed from my credit reports ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My husband deposited his payroll check, in the amount of {$1400.00}, on Friday, XX/XX//18, after hours at the ATM of our bank, Citibank. He then received a receipt with an error message that said, there was a technical issue and the check can't be deposited or returned. There was also a customer service number on the receipt. We called on XX/XX/18 and they were less than helpful. They filled out a request for investigation but said it would be up to 10 days before we received our money back. I understand their policy but what I don't understand is why the customer has to have their funds tied up and be put in an uncomfortable position while the bank figures out its ' technical issues. I now have bills that are late and can't even put gas in the car to get to work. Their customer service department even told me that we shouldn't deposit checks after hours because " you never know with technology ''. I banked with XXXX for many years and never had this issue. I'm truly floored and extremely frustrated.

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 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
Just Talked to Bank manager XXXX she will not reverse these fees and was told to go somewhere else Phone # XXXX XXXX On XX/XX/XXXX mu account became overdrawn by XXXX to date XXXX which is XXXX in bank fees. I would have closed this account prior to this but my Social Security takes 60-90 to transfer to another institution. 
This bank has never paid any NFS checks for me they have the right to make this decision according to their discretion. But to use my Social Security to cover Bank Fees not a check written is going a bit over the top. 
the charges were as followed XX/XX/XXXX XXXX XXXX charge XXXX account was short XXXX XX/XX/XXXX check XXXX returned on XX/XX/XXXX XX/XX/XXXX XXXX NfS Fee XX/XX/XXXX overdraft fee XXXX XX/XX/XXXX to XX/XX/XXXX XXXX charge plus on XX/XX/XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX plus XXXX on XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX total to date XXXX overdrawn .with XXXX service fees. 
Review attached.

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 2018-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Cognition Financial Corporation
State: IN

Complaint narrative:
I have private student loan with XXXX XXXX XXXX XXXX. As of last XX/XX/XXXX it was with XXXX a collection agency. I was paying on it every month. I Called XXXX to continue my scheduled payments and they said XXXX had taken it back. I have not heard from XXXX. I have called XXXX they couldn't find my account, they sent me to XXXX XXXX XXXX, they couldn't find my account. Next they sent me Recovery Specialist Cognition Lending. This company could not find my account.So inXX/XX/XXXX I received 2 tax forms, a XXXX  with the Interest on my loan and a XXXX, Cancellation of Dept. Well there is still a balance of XXXX  on the loan. This is not a good thing. I am still responsible for this dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: AZ

Complaint narrative:
I received a mailing stating I may be eligible for a reverse mortgage & called AAG. On XX/XX/XXXX I spoke to a XXXX XXXX & he said he would research it for me. He called me back that day & said I would not be eligible. I thanked him for his time and concluded our call. On XX/XX/XXXX I received a gigantic over night package from XXXX XXXX with AAG with numerous papers to included an agreement pertaining to out agreement for a refinance. I did NOT make any arrangement or agreement with this company. Since they did a credit check on me I already have a ding on my credit & I am suspicious that they are trying to do something to which I did not consent to. Please advise me. 

Thank you so very much, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We purchased a home in XXXX XXXX NY in 2006. When we purchased the home the old owners new/ refinance mortgage was 6 months old after moving from XXXX XXXX ( who is now out of business ) to Chase. We are now in the process of trying to sell the home and close. The new title search company is showing that the house still has an outstanding mortgage because XXXX funding apparently failed to file discharge papers with the county clerk. Our lawyer who is doing the closing states that when the loan was paid, it wasnt assigned or acquired by whoever took over the accounts from XXXX lender because there was nothing to get. We are being told that because of all the fraud in the past that we are required to give {$10000.00} to put in escrow before we close. This money will only be used if legal actions are needed to find the missing information. I am not sure why we need to do this since we did a title search when we closed in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, I paid my bill twice by mistake. I called to get a refund for one of the payments. After a few days of calls and speaking with different people, I was told that they have to get a refund check mailed from XXXX XXXX and sent to them, then they would send that check to me. However, I never received anything. I finally called about it to check on the status in XX/XX/XXXX, and was told the refund was processed and sent out on XX/XX/XXXX and that I should've received it. I told them I'd wait a few more days to see if it comes in. I called back after a week because I still haven't gotten my refund, and at this point, the XX/XX/XXXXbill was due. I inquired about having the refund check canceled and just reapplying MY funds back to the account. After being put on a long hold, I was told that the manager couldn't do that at this point but was told that an email was sent to the Finance department to see what can be done, and that I would receive a call back once they got a response. It has been 3 days now and AGAIN, no one has reached out to me. I just want MY money back or reapplied back to my account so that my bill is paid for XXXX ... considering I ALREADY paid it, and they have done nothing to help but waste time.

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 2018-02-01 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: OK

Complaint narrative:
I have been disputing a missed payment that XXXX XXXX  reportedXX/XX/XXXX. I sent proof of payment to XXXX verifying that the payment was not missed and they notified me that XXXX XXXX assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/XXXX. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with transunion and XXXX with she same incorrect information not removed.

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 2018-02-01 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: OK

Complaint narrative:
I have been disputing a missed payment that XXXX XXXX reported XX/XX/. I sent proof of payment to experian verifying that the payment was not missed and they notified me that XXXX XXXX  assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with XXXX and XXXX  with she same incorrect information not removed.

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 2018-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Misapplied mortgage payments ( erroneous payment processing ) and improper credit reporting. My payment is showing over 6 months overdue and Suntrust has reported this information to the credit bureaus. 

Suntrust is the 2nd mortgage on my home. Suntrust sold/transferred the first to another processor years ago. In XXXX, Suntrust placed insurance on my home since they no longer maintained this information. Once lender-placed insurance was forced upon my account ( XX/XX/XXXX ), my monthly payments were no longer being applied to the mortgage. Money was put into a suspense account and my escrow showed a shortage in the amount of the insurance premium. 


On XX/XX/XXXX, I spoke with Insurance dept. where a young lady called XXXX, confirmed insurance has been in place. Within a week I received a " Lender placed insurance cancellation notice. '' On XX/XX/XXXX I opened a dispute with Suntrust 's Credit Bureau Dispute Dept ( Case number XXXX ) On XX/XX/XXXX, Suntrust sends a check of {$680.00} stating these funds were insufficient to bring my loan current and {$2400.00} is outstanding. Suntrust imposed fees and charges while showing 6 prior months of payments are unpaid. Eight payments totaling {$2500.00} of the 10 I've made since last XX/XX/XXXX remain unaccounted for. 

Finally, on XX/XX/XXXX I called and spoke with XXXX ( XXXX ). She asked if I was calling to make the {$2400.00} payment. I said XXXX no Im not calling to make a payment. She then argued with me about " watching my language '' and using profanity. Once I said I was now recording the call and she said she was hanging up. I asked for a Supervisor and she said none was available and she was hanging up. I then asked for XXXX XXXX and she disconnected the call. Suntrust is not doing their job nor making any legitimate attempt to resolve this. My credit has been negatively impacted and my level of frustration and annoyance with Suntrust is beyond exhaustive limits.

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