vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Me and my Fiancee opened up a joint account with Ally Bank to buy a home together after talking with XXXX. Upon funding the account with XXXX dollars, Ally bank rejected the transfer from my Fiancee 's  XXXX XXXX account for dubious reasons, I can explain details later. That's OK they reject the funds, but they NEVER returned the funds back to her XXXX XXXX account. 

This transaction happened on XX/XX/XXXX and we are no closer to receiving the funds as I am writing this on XXXX. It has been a full month. We have spent over 40 hours speaking with Ally bank trying to get the funds returned. The back office and Supervisor 's have been stalling, dismissive, and negligent in returning our funds in a timely manner. One supervisor told us she hasn't even seen something like this happen before. They themselves are confused with the transaction and haven't took initiative to return the funds. Every time we have called for a MONTH, the supervisors and the back office say it will take 2-3 business days, FOR A MONTH.

This has caused us great hardship during a time of this Pandemic. We've had to delay our home buying process. My Fiancee is freaking out that this substantial amount of money isn't being returned. She had to talk to a XXXX  after the incident and got prescribed medicine for XXXX  and XXXX XXXX for this. We no longer trust the banks.

This is through NO FAULT of our own and is 100 percent resting on  Ally banks negligence to return the funds immediately ( a month and counting ). We have confirmed with her XXXX XXXX account that this is 100 percent resting on Ally Banks end.

Ally Reference Number ( most recent one of MULTIPLE previous  reference numbers ) - XXXX Ally Back Office Reference Number - 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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
When I opened the account I used my government-issued ID ( Passport Card ) to start a new account with Capital One.

Somewhere along the line I lost my old phone and got a new one. Upon attempting to reach Capital One about updating my account they stated my Passport Card was not a government-issued card. I then got transferred to a manager in the XXXX with agent ( XXXX XXXX ) that stated that my Passport card was a " XXXX '' and not a government ID. And to go get a Drivers License. I am a XXXX Veteran I can not drive. 
After disputing for over 2 hours I was sent to the fraud department with agent ( XXXX ). Where they told me to take a picture of the ID. I took over 10 pictures and the sofwate would not recognize the passport. She stated there was nothing else possible to do. 
after I mentioned her I was a XXXX veteran the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
When XXXX XXXX XXXX  sold Mortgage Loan to Rushmore Loan Management Services Inc. the said company resumed the demand to pay the outstanding balance for the mortgage loan which I already mentioned to them I am not behind on mortgage payment. So I submitted supporting documents to support my statement. From this submitted supporting documents, a Staff was assigned to resolve the issue. her name is Ms. XXXX XXXX. After talking and explaining to Ms XXXX about how the issue or problem was developed, she apparently shown a deeper understanding on how to resolve the issue. I requested to get all the phone record of conversation while I am making a payment over the phone every 2nd Tuesday or Wednesday of the month. Ms. XXXX promised she will do so but after almost two weeks past, Ms. XXXX was removed from her assigned duty. instead I got letter from Rushmore about the information provided by XXXX XXXX XXXX were correct. The question how can it be correct when our Mortgage statement last XXXX and XX/XX/2013 were current. In fact two loan mortgage payment were recorded on our property and yet the XX/XX/2013 mortgage statement shown we were 2 months behind then XX/XX/2013 we were 3 months behind? The question How? when two mortgage payments were recorded on XX/XX/2013 then there was record of payment for the month of XX/XX/2013. Do they know really what they were talking about?

This problem they are just dragging it around make me very stupid like I don't know what I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2020-10-19 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: CA

Complaint narrative:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due  Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX someone claiming to work for Credence Resource Management contacted me claiming that I owed debt to XXXX XXXX XXXX for two mobile phone lines opened in XXXX of XXXX. I did not open any XXXX XXXX XXXX accounts in XXXX, and haven't been an XXXX XXXX XXXX customer of any kind in at least 10 years.

I contacted XXXX XXXX XXXX directly to verify this call because I suspected that it was a scam. CRM did not provide any XXXX XXXX XXXX account number, but they did provide two phone numbers. I provided both phone numbers to the XXXX XXXX XXXX rep and she indicated that both phone numbers belonged to a business account, not a personal account, so that the call could not be legitimate, and must be a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I am very upset that I pulled a copy of my credit report just to find several accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
On XX/XX/XXXX, I made a payment of XXXX on my loan account which changed the balance from {$7300.00} to {$6300.00}. On XX/XX/XXXX, XXXX my account was refinanced by XXXX XXXX for {$7300.00}. 
On XX/XX/XXXX, I had a negative balance of XXXX. I contacted NAvient, requesting a refund of the negative amount to the loan account. XXXX, Loan Servicing Specialist, confirmed, the refund was approved, and a check will be sent in the mail. I never received the check. 
I called XX/XX/XXXX, following up with my Navient concerning my refund because I never received the check after speaking to multiple people. I finally talked to someone who was able to process the check. Finally, I received the check on XX/XX/XXXX. However, on XX/XX/XXXX, I checked my account, and there was a balance of {$1000.00}. This is a false balance. The billing statement should be XXXX. The loan lender is requesting double payment. I received the check because the account was over paid and was in a negative balance. I tired to contact the lender but have gotten no responce. 
Working with Navient in the past, they have consistently mismanaged my account balance. Every time I call the customer service agent is not helpful, and I have to talk to multiple people before I can get help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I have tried to make payments to PHH online. I set up autopay online. They have failed to withdraw the money from my bank account. I have been fighting with them to take my money since my mortgage was sold to them and now they are sending me late payment notices and returned item charges. PHH is incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2020-10-19 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: CA

Complaint narrative:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX # XXXX. This account was charged off in XXXX and closed. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$1400.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it  shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXX year. Shows late payments, 30 days late XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 120 days late in XX/XX/XXXX. Reported 49 charge offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-19 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MA

Complaint narrative:
I tried to place a security freeze with the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX according to their instructions by sending them a letter. I sent it by registered mail and received the Domestic Return Receipt stamped by them on XXXX, XXXX 2018 as proof of their receiving it. I never heard from them again. I do not know if a freeze was ever placed. 
After looking them up on the XXXX XXXX XXXX XXXX website I discovered many similar complaints, as well as the fact that they are not accredited by the XXXX. 
I tried contacting them by phone twice, once to request a credit report and once to request that any freeze be lifted. I tried to use their automated system that said both times that my request could not be processed and hung up on me.

I do not want that company to have my information and request that in the case a credit freeze was placed on my account it now be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: 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 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 2020-10-19 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: CA

Complaint narrative:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have a PMI {$72.00} that is part of my monthly mortgage payment, my existing loan servicing bank, Shellpoint mortgage, has been trying to collect additional funds for PMI, they claim there are PMI disbursement shortages although I have paid my mortgage monthly payment in full including total amount of PMI in full. If bank has not made the PMI disbursement, I should be showing an overage amount in my PMI escrow account versus a negative balance amount. On XX/XX/XXXX they disbursed 2 PMI payments {$140.00} and on XX/XX/XXXX they disbursed 2 PMI payments {$140.00} and therefore escrow account is currently showing a negative amount of {$280.00}. I have been having this issue with them for months, I have been calling them for months and every time they say they will investigate it that results on no valid resolution but they keep messing up the escrow / PMI and they have done nothing to correct the errors on their end and fix the  problem, I dont understand how could there be a shortage of PMI when I HAVE BEEN PAYING IT EVERY MONTH! .. To be clear, taxes and homeowners insurances are not part of my mortgage or escrow account. I pay property taxes directly to my township and buy my homeowners insurances thru diff company. The escrow account is ONLY for PMI. PMI is a fixed amount that is part of my monthly payment. My loan was transferred to them back in XXXX or XX/XX/XXXX from Ditech financial. They should have all the payments recorded and so able to verify all payments have been made by me. Dont understand how could possibly be a shortage with the PMI,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation