vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
We simply want this mistake removed from our credit report as they are acting unreasonably in regards to our complaint. 
We had a vehicle loan with Ally Financial financed on XXXX/XXXX/XXXX. We have paid all monthly {$940.00} payments online. We have never been late beyond our grace period with any of our XXXX total payments made to Ally. Our last monthly payment to Ally in the amount of {$940.00} was made online on XXXX/XXXX/XXXX at XXXX pm. Our personal Ally Financial " dashboard '' where payments are made online, said in bold XXXX letters " Next Payment : {$940.00} XXXX XXXX : XXXX/XXXX/XXXX ''. We complied as usual and made our XXXX payment to Ally on time ( XXXX/XXXX/XXXX ) within the allotted grace period. 
We are in the process of purchasing a house. Our lender was finalizing papers when it was brought to our attention that our XXXX XXXX had dropped XXXX points due to an apparent late pay on our Ally Financial vehicle loan. This apparent " late pay '' is described above. In order to proceed with our house purchase, the above must be resolved in a timely fashion and removed from our credit report. 
We contacted Ally on XXXX/XXXX/XXXX to resolve the mistake. " XXXX '' from branch XXXX collections was able to confirm that our payment was indeed made on time and " was not late. '' He was not able to send me an email or fax to show my lender his findings, however he was able to " send a billing statement via mail '' which should arrive within XXXX weeks. We requested to be transferred to someone higher up that would be able to get us something on paper clearing up the mistake, that day, whether it be by fax or email. We were transferred to " Shy '' in consumer solutions. She was of no help and said we had to file a credit dispute which would take a month. 
We will lose our contract on our new house by the time they are able to clear up their mistake and have this incorrect negative removed from our reports. 
We went to our credit union immediately, the same day and refinanced this auto loan to avoid any further " issues '' with Ally.

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 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Debt in question was for medical services performed over a year prior. The insurance company says debt is not owed. Debt collector advised me to just pay so it goes away and was extremely insulting on my own understanding of the facts and circumstances. Would not accept an electronic signature on a release form or speak to the debtor in person.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have tried numerous of time to settle this fraud issue with Citibank about my checking and savings account and XXXX XXXX, whose phone number is XXXX failed to contact me to resolve the issue. He did not look into this fraud activity nor did he call me back to discuss the solution Citibank was willing to do about my account. I filed police reports in regards to this matter and still have not heard nothing from the bank. I am tired of the run around I receive from this institution and demand he be fired and my account becomes unblocked for daily use. This account has been blocked for over six months now in regards to this issue.

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 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I used to pay {$2000.00} on a {$500.00} payment. They kept putting additional monies to a suspense account until I got the next bill. Then I had to call and complain. All extra overpayment should be applied to principle. Trying to pay off account Sent a check they would n't take it and it 's the same bank they deal with. So much more. Call for more information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
BELOW IS A LIST OF COMPANIES EXPERIAN CREDIT PROVIDED MY CREDIT REPORT TO WITHOUT MY CONSENT THESE COMPANIES HAVE NO CURRENT ACCOUNTS WITH ME AND I HAVE NOT REQUESTED CREDIT FROM THEM. I HAVE ASKED FOR THEM TO VALIDATE THESE INQUIRES AND TO SEND ME THE PROOF FOR ME TO HAVE. THEY REFUSE TO DO ANYTHING BUT PUSH ME OFF. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Please See : Complaint XXXX, Equifax 's response did not address my initial complaint! 

It 's simple Equifax ... make my free annual credit report available online!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I had a over draft fee and NSF fee issues with this institution..Branch manager was very rude constantly wanted to cut me off and asked for her superior whom she referred me to XXXX XXXX as the regional manager ... XXXX XXXX calls me the next day after my initial call to him and escalation email to the banks XXXX and he calls me and does the same thing ... .constantly cuts me off without allowing to get my point across and its either his way or the highway and does not like to be questioned ... ..he then tells me I have 10 days to close my account or he is gon na close the checking account for me. This bank 's problem seems to trickle down from leadership to the branch manager as if it is ok for the branch manager to be rude to their customers since the regional manager believes he can be rude and constantly cut me off ... .I reached out to the parent company Zions bank which pushed me back to the president of the Nevada state bank XXXX XXXX and gave me a # to call which I did and a guy picked up the phone and said he is the chairman of the bank and he has seen my email and someone named XXXX will contact me. I do believe XXXX XXXX did not like me asking him the actual procedures and federal laws that over the entire process and I do find him that he is either using my race against me or perhaps has personal issue with someone escalating to the office of the president and then is making a decision for me to forcefully close my account ... ..I get to decide to close my account if and so I want to do such not XXXX XXXX unless my account meets the banks policy requirements being in the red for so many days and they can force the account closed due to negative funds ... I am requesting that XXXX 's XXXX decision because he just decided to close my checking account to be denied as well as requesting the bank to provide written policy for business checking account over draft fees and pending transactions as well as written Policy when can the bank close a checking account at their sole discretion. I do believe XXXX XXXX from Nevada State bank is using race in this decision and none others besides the fact I asked him to provide such information in writing and the fact I asked him not talk over me while I am telling him my issues ... So far from the branch Manager to her immediate supervisor who is XXXX XXXX very rude, unprofessional and XXXX possibly and not like being asked questions about federal laws and written policies.

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 2017-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
This happened XXXX XXXX 2017- Capital One bank ... 

I want to delete this inquiry from my credit report. I didnt ask for credit in the company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Every month I automatically make my mortgage payment to TCF from a bank account I have set up with TCF. Under the terms of the home equity line of credit, I must make the payment from an account at TCF. Periodically I replenish funds in that account ( from my checking account at another bank ). To remind me when funds are running low I have notifications set up with TCF so I receive an email if funds in that TCF account are running low. Normally this all works just fine.
However, TCF just upgraded their web services, and in doing so my notifications did not migrate to the new system. I called TCF, and they were nice ; they reversed the {$37.00} charge to my account. 

The reason I 'm writing this note is that I wonder how many others have been hit with fees, but perhaps are n't as well equipped to sort this out. Seems a little unfair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: NC

Complaint narrative:
In XX/XX/XXXX the CFPB issued a consent order related to Discover Student loan servicing.
My Discover account number : XXXX Discover sent me letters and a check for {$75.00} as part of the consent order. I spoke to Discover several times regarding my receipt of the check. I spoke to them on XX/XX/XXXX and again on XX/XX/XXXX.
When I received my check I deposited it into my XXXX XXXX XXXX account. On XX/XX/XXXX the check bounced in my account. XXXX XXXX XXXX told me that Discover had placed a stop payment on the check. XXXX XXXX  XXXX charged me a {$35.00} fee and a {$12.00} fee. 
I spoke to Discover again and they mailed me out another check.
I spoke to Discover on XX/XX/XXXX before I deposited my newly received check and I was assured that this current check was good. OnXX/XX/XXXX I cashed the check with XXXX XXXX XXXX. 
On XX/XX/XXXX7 XXXX XXXX XXXX debited my account for a return item fee for the check. I will once again be charged a {$35.00} fee from XXXX XXXX XXXX. 
When I called Discover they informed me that they no longer handle the refund checks and that I would need to speak from now on to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian charged me twice to freeze my credit, but did not freeze my credit reports. 

I needed to freeze my credit because there was a fraudulent transaction by a third party trying to purchase Experian services in my name. 

I followed the instructions on the Experian website for creating a credit freeze, however Experian said it could not apply the freeze. However, they charged me the {$7.00} fee. 

I thought the problem was that I was using a new credit card, so I tried again using an older card that would be present in Experian records. Again, they refused to apply the credit freeze, but charged me the {$7.00} fee!

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 2017-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
In XXXX 2017 I went to the BB & T bank in person to open a savings account. I sat down with a XXXX XXXX filled out all the necessary paperwork and provided all my personal information including my social security number, an account was placed and set up in my name XXXX XXXX XXXX, the total amount of my deposit was {$30.00} dollars, I explained to the XXXX XXXX that the XXXX dollars was valuable to me especially a {$5.00} bill that had three XXXX in it, I had saved that {$5.00} for approximately one year while being homeless. Also the other {$25.00} dollars was given to me from my daughter who I had been separated from for approximately 12 years wit only 2 small visits and was reunited with her in XX/XX/XXXXas you can see it is clear that I wanted this deposited money to be protected and safe in a account, no matter how small the amount.. I left the bank happy with an account. A few days later I went to make a small deposit at the drive through window and was told that the account was frozen and that I could n't make any deposits, to call a number ... a few days later I received a letter from BB & T stating that my name was in XXXX XXXX and that the bank has closed my account. My account has been closed with no check for my valuable {$30.00} dollars ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: SC

Complaint narrative:
Transunion has failed to provide me the documents their company used to provide verification of the accounts I disputed. They have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed. Thank you in advance for resolving this matter as soon as possible

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 2017-09-28 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: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
XX/XX/XXXX16- Chase Credit card unsolicited inquiry to my credit I want to delete this inquiry from my credit report. I didnt ask for credit in the company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28 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: TX

Complaint narrative:
I have filed a dispute via phone to Transunion to correct this information so it can accurately reflect on my credit report. 

I received a copy of my credit report and I am disputing some items that need to be corrected. The following 3 accounts WERE NOT DISCHARGED in my Chapter XXXX bankruptcy. Please add these accounts back to my credit report. Please correct the balances (the balances are NOT XXXX). Please correct the date closed (these accounts are still open). Please remove the remarks (accounts were not discharged in Chapter XXXX bankruptcy). 

#1: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX
 
#2: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX 

#3: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date ClosedXXXX XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX

These are federal student loans debts that WERE NOT discharged in my Chapter XXXX bankruptcy. My bankruptcy was discharged in XXXX. Until last week  the above accounts were reflecting correctly (correct balances and open accounts and not discharged) . Due to the actions of Transunion of inaccurately closing these accounts my credit score dropped 80 points.

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 2017-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This card is XXXX and is essentially a XXXX card and issued by Commenity Bank. I got it when I needed XXXX  XXXX. It has special promotion that gives 24 months in which you make continuous payments of at least a minimum amount and if paid off in full by the end of that time then you owe no interest. If you do not pay it off during this time or miss monthly payments then the high rate interest is added to your account. My payment was due on the XX/XX/XXXX and I did make the payment on the XX/XX/XXXX for more than the minimum amount. For months I have had issues with website making payments and they have an early time and when I finally got in the website there was hours left of the XX/XX/XXXX but the payment date refused to allow me to post for anything but the XX/XX/XXXX. I tried to call before posting the payment and got a message we are closed call back during business hours. I didn't want to delay payment so I made the payment and immediately emailed them explaining the issue asking for the late payment to be waived and I got a message back it was waived last month and that it will not be waived again. I messaged them back asking for corporate information and explained that I have had issues for months with trying to pay the bill and have asked for tickets to be put in but I have never gotten a call and got a message back saying there are issues with the website where sometimes you cannot access it and make payments if using XXXX  and they would not waive the fee and future use another browser. I replied back saying that if I had been told this months ago there would be no issue and it would have fixed it and that due to the known issue on their part the fee should be waived and also the website should have a disclosure to tell people so it can prevent this from happening. I am still getting a refusal to waive the fee. I called corporate and the person that took the complaint said she understood the issue with XXXX and agreed she had personally experienced issues and she would research and see if someone could call. I got a call and they said that they forwarded it to the bank since the bank handles the card and XXXX has no access. I told her this was unacceptable putting it off and back to customer service and she hung up on me. I am asking the $XXXX fee be waived and if they cannot fix the issue for accepting payments from XXXX  that a notice be included on their website that stops others from being charged all these access fees as they know most people won't continue to fight or take it to the government for review since it seems like a ploy by them to get extra money and look for reasons to charge all that high interest building up that they lose when balance is paid before 24 months is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, and with an account balance of XXXX, we accidentally sent XXXX XXXX XXXX,  Florida, {$2100.00} from our XXXX XXXX account, a payment intended for another organization. The money was subtracted from our checking account and went to XXXX ( serviced by XXXX XXXX ).  We notified XXXX of the mistake and they refunded the amount on XX/XX/XXXX, a satisfactory outcome. This should have closed the matter, but it did not. 

In my XX/XX/XXXX bill and thereafter they unaccountably charged me for that same amount. Recall that I had a XXXX balance. They initially claimed that they did not get my payment of XX/XX/XXXX, although I sent them my bank statement showing that they did. XXXX XXXX  had not blocked payment. 

XXXX changed its story and claimed that they had sent out two refunds of {$2100.00} on XX/XX/XXXX. They gave no explanation of why they would send two, nor did they send evidence of a second refund. They never made a second refund, but they keep billing me as if they had, and with mounting interest. 

I have phoned XXXX XXXX/XXXX numerous times, talked with various customer service representatives ( XXXX, XXXX, XXXX, and others ) and have sent notarized copies of my bank statements. 

XXXX XXXX, it 's legal department, and XXXX XXXX XXXX, the branch manager have become involved and have sent statements and letters verifying that I never received anything but the initial refund of {$2100.00}. XXXX XXXX spoke at length with a supervisor, XXXX XXXX (? ) on XX/XX/XXXX. 

XXXX seems unable or unwilling to drop the fictitious charge. I have supporting documentation.

Company response to consumer: Closed with monetary relief