vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I am a victim of identity theft. In XXXX someone got my name and social security number. They used my identity to get cable service ( this creditor let people apply over the phone for cable, with just a Social security Number, name and good credit. The thief paid the bill until XXXX, then stopped paying, the thief lives in Indiana and I live in Illinois. Someway the creditors put me in collection. I contacted FTC regarding my Identity theft, and my credit score went back up, the collection agency, stopped harassing me. On XX/XX/XXXX, My bank contacted me stating that there is a major derogatory activity on my credit report. I contact the FTC, they was not handling this kind of case they said. They sent letters on line for me use. But I thought this is subsequent to the first Identity case. My bank said, maybe I should contact the credit bureau, I did, but I have been treaty like I am the crook. XXXX did an investigation with input from the creditor/collection agency and no input from me. The results I do not understand. It was sent to me om XX/XX/XXXX, stating that the status is {$1000.00}, is past due as of XX/XX/XXXX, and this account is scheduled to continue on record until XX/XX/XXXX. They also put the thief address and phone ( I believe ) as my address, Again I never live in Indiana or had a phone in Indiana. When I called the agent, she was not helpful to me. She asked me to send a police report and my social security number, I had a hard time finding the police report, so call the police department, XXXX XXXX, They said I need to come in a fill a request sheet and sign, and it would toke two to six weeks. I found the report, I was going to send it in, when I got  the investigation report. If you can help me, please do. Thank-you, for all you do for me and other consumers. 
p.s. I do not understand the finding. I am not the thief, how can major derogatory information be on my credit report until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Webcollex, LLC
State: FL

Complaint narrative:
Previous debt owed to XXXX XXXX  was paid in full on XX/XX/XXXX directly to the original creditor XXXX XXXX. The check in the amount of {$750.00} was cashed & cleared with no issues. In XXXX CKS Prime Investments ( a collection company ) reported a collection account to XXXX, XXXX & XXXX with a balance of {$750.00}. I never received any prior communication from CKS Prime Investments & tried to resolve this issue directly with CKS staff members including managers. CKS Prime Investments refused to remove the collection account & continue to report the inaccurate balance. The credit bureaus investigation was concluded as " verified as accurate '' even though I have submitted bank statements showing that the debt was paid directly to XXXX XXXX prior to any collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I asked HUD to help bail me out so I did not loose my home. That was 6 years ago. Bank of America was my mortgage company at the time. I started to make the payments on time and when I went to sell my house last year, I found out I had a lien on my home. I was very shocked because I have been in compliance with HUD, at least I thought. I got the paperwork from Bank of America and here it says miscellaneous for the first 3 months showing they withheld my first 3 months illegally to make it look like I was not making my payments so they could call me up and have me remortgage my house through them. I did not know I couldn't do that while under contract and Bank of America borrowed, illegally, another {$4000.00} from HUD without my knowledge. When I tried to get them to send a letter ro HUD so it would be forgiven, BOA said it was a computer glitch and would not own up to it.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: ONLINE Information Services, Inc.
State: RI

Complaint narrative:
Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they  update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: EOS Holdings, Inc.
State: RI

Complaint narrative:
Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I would like to link my PNC account with XXXX and am not able to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened 2 savings accounts with Marcus a Goldman Sachs savings acct. i mailed in a check for a project i did for someone. 20. days later the check was credited to my acct. i tried to transfer some of the funds to my checking acct. they locked my accts. when i called and asked why they requested i send ba k statements from.the extenal checking acct which is XXXX. they would not let me email the info i had to send via mail. So 16 days later i call and they recieved the info. Now they want a bank statement from the person who wrote me the check?? they check cleared and they still will not release my money. i asked they close the accts and mail me the funds and they said no???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: MoneyLion Inc.
State: FL

Complaint narrative:
I paid {$730.00} to money lion on XX/XX/XXXX, which was to pay off a credit builder loan. I called and requested access to my escrow funds ( amount held until loan is paid off ) they stated it will be 5 business days until I will receive the amount. Its now XX/XX/XXXX I have still not received my funds Ive been lied to by multiple supervisors ( XXXX, XXXX ) telling me when Im going to retrieve my funds. I get pushed around every time I call in they are completely unprofessional and it takes 40 minutes to get a supervisor. I requested a manager above XXXX and she stated they were in a meeting and it could take up to two days for me to get a call back and due to them escalating my account its now another 3-5 business days. Will be getting an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
i have had a hecm mortgage since XXXX, when the underwriters vetted the master policy of the XXXX XXXX XXXX and did not require a XXXX policy seperately from me. the Mortgage Agreement did not require a XXXX policy. CELINK took over the servicing of the account [ # XXXX ] in XXXX, and has since then harrassed me about a XXXX CONDOMINIUM policy. in XX/XX/XXXX CELINK force placed their own insurance on my account, and charged it {$150.00} XXXX, which i payed in XX/XX/XXXX to remove my account from DEfault status. CELINK has issued a XX/XX/XXXX letter stating they will again require the same XXXX XXXX XXXX XXXX policy effective XX/XX/XXXX and charge my account {$140.00}. I believe that CELINK HAS FRAUDULENTLY 'force placed ' requirement, which was not part of the original loan 's requirements. [ from XXXX, the origina [  underwriters never had any qualms with the MASTER POLICY OF THE XXXX XXXX XXXX XXXX XXXX. I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I PREFER TO COMMUNICATE BY PHONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I had applied for a cash out refinance loan on a manufactured home. I already had a loan with the lender : New Rez. I completed paperwork, and my loan rep ( yes, I will name names ) - XXXX XXXX was more than happy to communicate with me on the required documentation and appraisal fees which were sent. He was very prompt in his communication with me. An appraiser came in late XXXX to appraise the home which appraised very well. Everything was in order or it seemed. I called on XX/XX/XXXX for a loan status and received no call back, I proceeded to continue to call with no callback and sent emails with no reply for a month and a half. My loan was then with XXXX XXXX ( Jr.Loan Processor ) who also, never called me back to let me know how the loan was progressing, It was not until late XXXX, that I finally made contact with a random rep who informed me my loan was denied. Were they ever going to let me know the loan was denied while I waited for almost two months? It was denied due to : New Rez does not do a cash out refinance on a manufactured home. This information should have been disclosed at the beginning when I called and ASKED. Nothing was disclosed and they knew full well this loan was never going to be approved. However, they were more than happy to take my appraisal money in the amount of {$500.00}. After I paid, I heard nothing. New Rez has in essence, stolen from me and are predatory lenders. I was assured by the random rep that the issue would be escalated, but it is going on two weeks with no reply and the random rep is now ignoring my inquiries. I am at a loss. I am frustrated with calling and being forwarded to rep after rep with no resolution. I don't know who to call or what to do to get my money back. I would hope this would be resolved in good faith, but it seems pretty hopeless now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
XX/XX/2019, I helped the girlfriend ( XXXX XXXX ) of my stepson, buy a car using MY CREDIT, she was co-signer to get her name on loan, financed through Ally Financial. 
All was proceeding as planned until XX/XX/2019, talking with my banker, he asked why my credit score had dropped. I looked into this, found out that Ally Financial was attempting to repo the car for non payment. Ally Financial had all my credit info, home address, phone #, email, but nobody ever tried to contact me for payment or anything. After I found this out, I personally paid the past due amount to get the loan current. Ally Financial ruined my Credit, dropped from XXXX to low XXXX because of this. After arguing with Ally Financial, they said they were only allowed by law to remove 1 month negative from my credit. My score is still only at XXXX with XXXX, I am in need of loan, because of this Pandemic and Ally Fin won't do anything to help me get my score back up. I think it's outrageous that someone can ruin your credit without their Collections Dept doing they're job and reaching out to me when payment was late the 1st month or anytime after that. Ally Fin collections said they tried to reach me, last 4 digits of phone was XXXX, should have been RED FLAG, bogus number.. Last 4 digits of my phone is XXXX 
Vehicle was wrecked, totaled and loan has been paid off in XXXX. 
Any help you can provide would be appreciated.

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 2020-08-04 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: GA

Complaint narrative:
I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I called Ally Bank, they instructed me on how to wire money to XXXX XXXX XXXX on XX/XX/2020. I paid for an exact payoff quote from XXXX XXXX for XX/XX/2020 and sent that amount via wire at Ally Bank. I watched my bank account all day. I called in the evening and was told it would be sent by the close of business today. It was not sent. I called in the morning still not sent. I called XX/XX/2020 to inform them that the amount of the wire is insufficient to cover the cost of the loan payoff, they told me if I change the amount they would have to delay the wire another day or two.It has been 25 hours since I scheduled this wire and the money has not been sent.

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 2020-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hi my name is XXXX and my car total loses and we try reach kia finance so pay car in full they bein really rude and don't want to help and all we need from them guaranteed letter so we could pay them and they want to sent it our help out .. so pay them in full. And they don't want to help either and my insurance try to reach them and co parts .. i want get the solve asap and case later i want a new car and I want my credit look good too

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 2020-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC has changed their accounts so that they do not link to accounts such as XXXX. I would like to fund an investment account via XXXX but PNC will not allow me to do so. They use to but changed for " security '' purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I got loan with ace cash express and now they talking about sue me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
The name of the bank is MT Bank. They don't provide assistance and most of them are rude. I spoke to them since XX/XX/XXXX. One of the initial letters mentioned that there was assistance for those who were affected by Covid 19. Three options. One adding the missed payments to the end of the loan. Loan Modification and the last one I  don't remember. there customer service told me that even though my loan is backed up with an FHA loan I needed to ask them for help not them. They have an online request for Covid 19 assistance and she flat out told me that I didn't qualify. Do you know what forbearance is she said you clearly don't know. I had to call each month to make a payment bc they don't allow any transactions. After my third call they changed it and had to explain my account is in forbearance. Yes they are bill collectors and act like one. I was asking them for assistance only bc my husband is furlough and we need help. We made payments up to XXXX. I had to ask for loans bc Mt Bank didn't want to help us out. We don't qualify for anything it seems. they don't work with me only telling me to wait for a loan modification if I qualify. Others around me my neighbors have FHA loans and they moved 3 to 6 missed payments to their mortgage balance. MT Bank doesn't do that. I just had a call yesterday and there was no message left. 
My husband is out of a job so its frustrating using all our savings bc were too afraid of MT Bank. They don't want to help us at all. You don't qualify for nothing. While other banks with FHA loans are sensitive and don't play with you or make you feel like an XXXX. My loan is an FHA loan and I don't feel protected and feel that MT Bank could help more. Can someone assist 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 2020-08-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
this Debt was a loan entered online in XX/XX/2019 from XXXX  by XXXX   XXXX. I agreed to payments of XXXX per month however the payments kept changing. I ended up in the hospital XX/XX/2019 and was late on this payment. When I went to make this payment they refused it and then set up new payment arrangements. I was to pay on or before the due date Which would be the XXXX because this is when I received my XXXX check.. The due date for XX/XX/XXXX was a Saturday and they closed early and did not accept the payment on line. I called on Monday morning XX/XX/XXXX they refused the payment said we are sending you to collections and this will be on your credit, I asked for a supervisor they stated there were none. I emailed request for a supervisor to call. I got no response I tried for weeks and got no where. I received an email on XX/XX/XXXX they had sold the account to a collection agency. who will not wok out payment arrangements but they are further damaging my credit by reporting every month i am late on payments. They will not correct this even after I have disputed it directly with all credit agencies.this collectors name is NCB management. I have also contacted the company asking for all documents relating to this account they have refused.

Company response to consumer: Closed with explanation