vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: TN

Complaint narrative:
Remove the information listed on my FTC 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 2020-07-01 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: OneMain Finance Corporation
State: NV

Complaint narrative:
Too many HARD INQUIRIES is unnecessary and unauthorized. they Have a negative effect on my credit score. All my current creditors rate me better than agreed. But excessive inquiries by past credit companies and insurance companies are killing my credit score. I  have no power over them to require removal of these.I need your help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, WHICH MEANS SOMEONE OTHER THEN MYSELF OPENED AND MAINTAINED THE FRAUDULENT ACCOUNTS, THE CHARGES ARE NOT MINE THE ACCOUNTS ARE NOT MINE. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED AND MAINTAINED. THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.

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 2020-07-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
Headway Capital provided me with a loan at the end of 2019 for equipment in my XXXX. 

Our XXXX  is not an XXXX XXXX and we were shut down. 
Numerous conversations, emails and a letter from my attorney was sent to the company to solidify their agreement that they would restructure the loan and halt future payments until they provided a new payment plan as discussed in our verbal communications. 

They never provided an alternate payment plan. 
They did not withdraw funds for two months and they contacted me to confirm that no payments would be withdrawn from my account for the months of XXXX and XXXX. 

On XX/XX/XXXX they withdrew {$850.00} from my account without approval or notification causing my checking account to go negative. 

This was in blatant violation of the agreement to not withdraw funds without prior approval. 

Headway was contacted on an ongoing basis for almost 4 months about this account and what would be acceptable for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have disputed this account before this account was sent to PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX  XXXX XXXX # XXXX. I have filed a police report and a FTC ID Theft report please see attached documents. please delete this at ONCE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I bought a car from XXXX  Toyota to do XXXX, when I was negotiate with them I told them that it was for XXXX and I trade mine with them, I was at the same room with XXXX XXXX y XXXX  when I call XXXX XXXX and XXXX XXXX ask : what are you going to do with the car? and I told them that I'm going to do XXXX and they didn't tell me nothing and I wanted to make sure that everything is correct. I was in an accident on XX/XX/XXXX I was surprised that my just inform me that GAP denied my case because the dealer give me a Wong GAP and my lawyer send me to fix that with with the dealer. To make sure that everything was on the same alignment I told my lawyer that I was doing XXXX and XXXX  and the insurance know that I was doing XXXX. 
IF I'M NOT THE ONE WHO PIC UP THE GAP WHY I HAVE TO PAY WRONDOING OF THE DEALER? THE DEALER GIVE ME THE WRONG GAP. 
They just charge me more than {$10000.00} to pay I really don't know ; I'm not doing XXXX now in that difficult time ; I have bills, I'm paying a XXXX school. 
I WILL THANK YOU FOR YOUR HELP. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is currently reporting a 30 day late status for XX/XX/2019 on XXXX   and TransUnion. My home was sold and the mortgage company was paid in full.

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 2020-07-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is currently reporting a 30 day late status for XX/XX/2019 on Experian and XXXX. My home was sold and the mortgage company was paid in full.

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 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This complaint includes TWO disputes. My name is XXXX XXXX XXXX XXXX and I currently bank with Bank of America. On XX/XX/XXXX I filed a claim because there was two transactions at an atm for {$500.00} a piece that bofA let leave my account. I got an alert on my phone that the same person was trying to take out another {$1000.00} the next day and then thats when I reported the transactions as fraud. I called the bank and was assured I would have all my money back, thats clearly not what happened, they came back and said that I was the one on camera taking the money out and thats not true what so ever, I honestly felt so disrespected that they would even say that with having surveillance. Then on XX/XX/XXXX while on vaca in XXXX  I had reported a fraudulent charge of {$1100.00} from a store. I remember going out to eat and losing my card and then I checked my account to see a huge charge that I never authorized. Same situation I was assured I would have my money back and then I checked today and my claim was denied. At this point Im losing money banking with bofa and its almost brought me to tears knowing Im out on almost XXXX in less than two months. Its like they are blaming me for someone getting ahold of my card and taking advantage of it. Im an honest man and in no way have anything to do with any of these transactions and would love to have all of my money credited back to 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 monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
PHH mortgage company has no accountability, can not be reached by phone. I did finally reach them by phone, I made a payment over the phone, because the website is broken, and was content that a payment was made. I even received an email with a questionnaire following up on my over the phone payment. 2 weeks later, I log on to make another payment, only to see that my previous payment was never recognized. So now I have a mark on my credit score. I tried calling the customer service number, no-one picked up. I am furious. I have worked for years to build up and keep a good credit score. What agency allows a company like PHH to operate? All online reviews are at 1 star out of 5 for this company. Who protects the homeowner? The borrower? 

I want my credit score to be restored. I want my fees reversed. I want a reputable company to service my mortgage. I want the Federal Government to prevent shady companies from buying mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TN

Complaint narrative:
Remove the information listed on my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to link my PNC account to XXXX XXXX XXXX for direct deposit grant disbursement. It says " We are currently experiencing connectivity issues with this bank. If you try to connect, it is unlikely to succeed. '' I would like to fix this issue and will call my bank during open hours tomorrow to see if they have fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX   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 2020-07-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX   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 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KS

Complaint narrative:
Not getting the proper kind of cooperation from mortgage servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had applied for and used an Amazon credit card that was serviced through Chase Bank. 

About two years ago, I closed the card and put it into repayment. I made on-time payments every month and did everything I was supposed to as a customer. I paid off that credit card a few weeks ago by paying a lump sum. In the process of paying that account off, I spoke with three different people who assured me that no further payments were going to be withdrawn from the checking account I had initially authorized, and no further interest was going to be charged to the payment account. 

About a week after I paid off the card, Chase applied another interest charge to the account. I had to call and have the interest payment adjusted and removed from the account. 

Yesterday, Chase Bank took another {$49.00} out of my checking account. I did not authorize this payment. In fact, I explicitly spoke with numerous people to make it clear that any further payments out of my linked account were unauthorized. At no point during that process was I ever sent to appropriate department to cancel the rest of my payments. Now that my checking account is nearly overdrawn, and a XXXX-dollar bank is wrongfully in possession of my money, I can't get a straight answer about when I can expect the stolen funds to be returned to me. 

One Account Supervisor promised that they were going to send me an email so that I could confirm that I wanted electronic deposit. The next account supervisor then informed me that " it was possible '' I could receive an email confirming that I wanted electronic deposit, but if I didn't, I could expect a check in the mail in the next 7-10 business days. 

No other bank has ever been this unresponsive to my needs. They act as though they've done me some great favor, but I'm really disappointed and excited to tell people not to use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am not able to link my account to an investment app where I need to deposit funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
This complaint is in regards to an on going problem this mortgage servicer has cause us a great deal of stress.The company name the The Money Source. We pay our mortgage payment every month. We never miss a payment. Me and my wife are current XXXX XXXX  so one day we decided to break up our mortgage payment in two equal payment so we could always pay our payment before our grace period. We only wanted to pay it this way because sometimes we would have different bills to take care of so this would help us pay the mortgage more comfortably I didnt want a full paycheck to go all on the mortgage so we decided to just break up the mortgage payment one payment in the beginning of the month and the other payment in the second half of the month the payment always came in during that month never 30 days late. The whole problem started we called in To make a payment I regret doing this. The computer did a better job at keeping our mortgage payments accurate. So one day me and my wife called The Money Source to make a routine payment like we would just normally do this one representative applied the partial payment towards the principal instead of putting the pavement in the reserve account. So long story short we found out that this error had occurred months ago we found out the next year which was too late for us to adjust the payment so so our mortgage payment had the status of always being past due. I just happened to look at the mortgage statement months down the line me and my wife are both XXXX  XXXX so we do not look at the mail that often we just set up automatic payments using our bill pay when we called in to make the payments on a monthly basis.When we discovered what was going on we contacted the money source spoke to many people from the money source one person was able to identify the mistake and at that time they trying to correct it but they said that it was too late the year had already closed and they could not adjust the principal balance.therefore long story short we are trying to get a refinance right now and this has come back to haunt us this payment that was incorrectly applied to our principal rather than a complete mortgage payment I need someone to help me as soon as possible im in the process of doing a refinance and if this is not fixed asap I will nit be able to lower my mortgage payment to a more affordable payment thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally just closed my savings and checking accounts for no reason. 

I got a letter today from Ally saying they've made the " business decision '' to close all my accounts without without giving me any real answer. Just that they " have the right to do so ''. Confused, I called them up and they basically repeated what was on the letter, with the reason being that they can close any account for any reason at any time and no additional info. 

How can I figure out what the real reason for my account closure was? I think I'm a pretty standard customer, I don't do anything weird with my accounts. I have over {$6000.00} in funds remaining in the account. I owe NO fees or fines, and never have in the past and this is the only account I've used. They just ... closed my account without explanation? What was the real incentive?

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