vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
We extended our XXXX XXXX 2020 lease for 6 months. We were never sent the paper work and our use of automatic debit stopped working. Thus, the payments stopped. We rectified the situation with customer service however the account information for balance due was incorrect. We waited for that to be changed. However, when we logged in it would not allow us to make the payment electronically. It kept saying not available. Thus, two weeks before the payment would be 30 days late we mailed a paper check. We let Ally know this. The check was not cashed. So we called and the were able to get us into our account electronically. We made the payments to fully catch up however they are writing that we were 30 days late. We have never been late before and always paid on time with a perfect history. It is not our fault that we tried to make payments and it wouldn't let us electronically. There is a charge to pay by phone. We also attempted to pay via check but it was not cashed by the company for some reason. They recognized the problem and in fact waived the late fees because they knew it was not our fault.

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 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: GA

Complaint narrative:
All NORMAL PAYMENT Processing {$200.00} XX/XX/XXXX Normal Payment {$650.00} XX/XX/XXXX Normal Payment {$200.00} XX/XX/XXXX Normal Payment {$300.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX Late Fee Waived {$5.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Payment Reversal - {$280.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX While payments will post to your account when made, it XXXX take up to XXXX hours for you to see them on XXXX. Please check back at a later date if you recently made your payment. If you have any questions about your account activity, please contact customer service at XXXX. 
Principal Only Payment {$18000.00} They only updated past due amount owe. My credit report is still showing late payments and that I owe them {$23000.00} and that is false information. Everytime I call they say they can not help me and they have nothing to do with credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AP

Complaint narrative:
First Issue, COVID Payment Reimbursement : In XXXX 2022, I requested a refund on all of the payments I made during the COVID payment pause. In early-mid XX/XX/2022, my accounts were moved to Mohela. XXXX processed the request for a refund immediately but subsequent to making the payments, I closed the bank account I made the payments from. The payments were then going to be issued to me in checks but the Department of Education " put a hold on the repayment '' according to the Department of the Treasury. This resulted in me spending over 10 hours on the phone over several days calling XXXX, Department of Treasury, Department of Education and Mohela. Finally, Mohela re-requested the repayments be issued by check. A few weeks later, I received a check for {$18000.00}, which was {$9400.00} short of the full amount I was owed. I have since called Mohela several times and they will not give me an explanation for why the repayment was short or if I will be receiving additional repayment checks. I am very concerned that my initial request for a refund was in XXXX of 2022 and seven months later I still do not have the full refund or any explanation of what is going on with nearly {$10000.00} of the refund.

Second Issue, Employment Certification Forms : In XXXX 2022, I submitted my yearly employment certification forms for PSLF to XXXX while they were still servicing my loans. In early-mid XX/XX/2022, my loans switched to Mohela. I called numerous times from XXXX to XXXX and would be told non-committal answers like my account information was still transferring or they could see my forms had been received and to give it 90 business days to process. Finally, in XXXX, I called Mohela again and asked for a supervisor review of my Employment Certification Forms. They agreed to have a supervisor review my forms, but estimated another 90 business days for it to be completed. I have several concerns with this response. First, why is it taking almost a year for Mohela to review forms that would take XXXX at the most two weeks? Second, my previous agency is in the process of shutting down and soon there will be no HR left. Once this happens, getting a form certified is going to be nearly impossible.

Both of these issues have caused me to spend hours on the phone trying to resolve the problems and I still do not have a solution. These are hours away from my young child, hours spent missing work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-06 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: AES/PHEAA
State: TX

Complaint narrative:
I filed a dispute that was sent over to them and they responded back that they wouldn't remove these two innacurate items from my report due to them being legit when they are not.Then Ive called 3 different numbers I was given for them and they have not been reachable even after I left two messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My prior complaints about this have still not led to resolution. TD Bank accepted a stolen, fraudulently endorsed check ( evidently deposited into a XXXX XXXX account ) and has still not credited my account for that error. The check was written to a landscaping company back in XX/XX/2022. It was deposited with some personally scrawled signature not even resembling the payee. It was evidently a mobile deposit that was allowed by XXXX XXXX. The TD Bank fraud investigation began in XXXX. I filed all the paperwork and prepared the submission with the assistance of the people working at TD Bank in XXXX XXXX NJ. This passage of time without resolution should be an embarrassment to the CFPB. TD Bank allowed this money to be taken from my account and all they say is they have to wait to hear back from XXXX XXXX. Enough is enough. The CFPB should intervene to ensure this evasive customer abuse stops and I am returned the funds that should never have been allowed to be taken out of my account. The fraudulent endorsement was obvious. How long must I wait to have my money returned? I hope the CFPB is able to persuade TD Bank to do what is obviously fair and just at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: IL

Complaint narrative:
I had a XXXX in XXXX of XXXX and I am still waiting for the final invoice. I have paid everything that was asked of me to pay. The XXXX was pre approved by insurance and now I am receiving a invoice saying I owe : {$35000.00}. When I called my insurance company the first time they told me that the hospital never even sent them a invoice. Since then I have been in constant communication with the hospital and my insurance trying to get this paid. The last time I called the hospital was XX/XX/XXXX and I was told the bill is not final and it is on hold. I was told not to pay it at this time. Today I received a notice from a collection agency. I have no problem paying the money I owe but I need the invoice revised to the proper amount. After receiving the notice today I called XXXX XXXX billing and again they said its on hold, call back tomorrow. I need some help resolving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
I am extremely dissatisfied with the result they have came up with. I use cash app on a consistent basis and I feel as though they have not Investigated nor have they done enough to keep my personal business safe. Those funds were taken from me while trying to obtain supplies for a client I had just accepted a contract with. Im standing in XXXX XXXX looking to buy materials only to find out {$620.00} Dollars I received for a Deposit wasnt there. I then reached out to cashapp who are suppose to keep my account safe only for them to tell me that I Orchestrated taking my own money? I went as far as contacting the XXXX  to get help and CASH APP tells me they have concluded that I gave someone permission to take my funds? Its XXXX  and you mean to tell me that you guys cant figure who took my money? The work I provide to my clients is very important to me its how I take care of my family. The embarrassment of having to tell my client that things arent going to be done when promised, extend the finish date. Witch caused an avalanche of problems. Im having to take other jobs to regain the money just to complete the initial job. Taking my personal funds to make up for something being stolen right from underneath me. Im out of state looking to complete a job and cant even go home until it was complete. I will be uploading photos of XXXX XXXX to show evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
TRANSACTION INFORMATION : Merchant Name : XXXX XXXX Location/Country : Online Booking Ref : XXXX Partner name : XXXX - XXXX ( XXXX ) Transaction Currency : USD Transaction Amount : XXXX Form of Payment : XXXX Credit Card Last 4 Digits : XXXX BILLING INFORMATION : Customer Name : XXXX XXXX XXXX XXXX : XXXX RENTAL DETAILS : Customer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Drop off Location : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I was charged {$890.00} for a rental that I did not authorize nor did I receive or use. I attempted to dispute the charge with the merchant who was unresponsive and unwilling to assist. I then disputed with my credit card company ( Capital One ) but the dispute was unresolved and Capital One stated that the merchant is claiming that I was a no-show. I did not authorize the charge on my card nor did I receive a rental car or use this service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was double charged for XXXX prime membership each month for the last two years XXXX and XXXX. I reached out to XXXX and they only credited one month back to me and told me to reach out to my bank ( Bank of America ) to get the other charges credited back. I just got a letter in the mail today from Bank of America saying they denied the claims after I provided proof for each month I got charged.

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have recently inquired about my account with chase bank via CFPB in regards to my payment history till I discovered an error in payment reporting on my credit file. Chase bank is reporting an invalid payment history and for that reason I would request a detailed debt validation from beginning of credit card application to approval and also why XXXX  reported all positive payment and XXXX and XXXX are all reporting a different charge off date/payment history which is violation of 15 U.S Code 1681i. According to XXXX XXXX credit file it indicated that my account was positive till XXXX XXXX and XXXX doesnt have no data recorded for my payment from start of creation to XXXX XXXX when late payment reported as 30days late. Attached is documentation for evidence and according to XXXX, chase bank ran a soft inquiry on my credit file and updated payment history without my authorization. Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I am also in the process of filling a complaint with FTC for improper use of credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
XXXX XXXX  XXXX using a creditor called XXXX XXXX XXXX XXXX has contacted me via mail and postal that is saying that I owe a medical debt to a company called XXXX XXXX XXXX that I used a ambulance and XX/XX/2018 and that I owe {$2900.00} and that they will settle for XXXX. 
I never used an ambulance I was never went to the hospital so I have no idea what this is about but I have checked this company on the XXXX XXXX XXXX  website and they are fraudulent there are many complaints about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a joint mortgage through Bank of America with my spouse. In XXXX  we divorced and I assumed the mortgage. Bank of America revoked online banking for the mortgage account and refused to provide online banking for the assumed mortgage account, stating they can't provide online banking access for assumed mortgages. In XX/XX/2022, XXXX XXXX ( XXXX XXXX  ) erroneously took over $ XXXX from the mortgage escrow for an policy that was cancelled. In XX/XX/2022 XXXX took over $ XXXX out of escrow for the current policy. In doing so, they created an escrow shortage. My monthly mortgage payment went up more that $ XXXX ALL of which now goes to interest only. I was unaware of any of this until late XX/XX/2022 when I received my annual escrow analysis. I am still fighting XXXX for a refund of the money Bank of America allowed them to steal from my account. Bank of America should not have allowed an error or theft of this magnitude to occur. I should not be punished for Bank of America 's negligence by having to pay additional interest. Mortgage companies should be required to provide online banking ( real time access ) to all mortgage accounts.

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 2023-02-06 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: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX, I attempted to make a payment to PNC through my checking account ( XXXX XXXX XXXX ). PNC did not document the payment until XX/XX/XXXX and sent me a letter reporting they were crediting the payment because they did not have a routing number from my bank. The check came from my bank, as I utilized on-line banking. This has been an on going issue with PNC. When I paid my bills through XXXX XXXX they kept returning the payments. This appears to be a scam to rack up late fees and keep me indebted to them. I appreciate any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Wells Fargo account for several years and I was constantly charged a monthly service fee, over draft fees and non-sufficient fund fees. Seeing as I had been unjustifiably charged, I am eligible to receive a payment for these fees and outrageous deductions. They have improperly charged my account so many fees over the years, that it was beyond the scope of reasonable. However, for some reason, I did not receive a check from the Wells Fargo/CFPB settlement fund. Could you please investigate the reason behind this?

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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
HI, I have submitted Cheque of XXXX $ on XXXX to XXXX XXXX XXXX.Cheque was cleared on XX/XX/18 .do n't have details when Apartments guy deposited in Bank.Amount of {$78.00} was shown as collection which was false collection, I disputed it with XXXX XXXX XXXX and Equifax with prooof of Cleared cheque.Except Equifax XXXX and XXXX has removed the collection from Credit report.I have presented the same argument and evidence to Equifax XXXX they refuse to remove the collection saying that Deletion letter should come from Collection agency -XXXX .I have applied for Mortgagee loan and my Closing is on XXXX.Incorrect collection showing in Equifax report is impactiing my Interest rate and PMI insurance to go up.Request you to look into this case asap, so that Financial loss incurred due to incorrect collection can be taken care of.Meanwhile I am working with XXXX and XXXX XXXX XXXX for collection removal but their response is very slow.Request you to look into this. 
Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Company froze my account stating there was fraudulent charges when there wasn't resulting in loss of time and money. Wells Fargo never offered to fix the issue, I have had XXXX or more fraudulent charges without them doing anything about the problem.

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 2023-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
My background check was sent out by 3rd party agency without my permission and provided to XXXX recruiting, XXXX XXXX, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation