vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Bank changed the limits for transferring money via XXXX without notification. The new {$500.00} limit is unreasonably low for an account in good standing, and no advance notice was provided. This last-minute change is preventing my from paying my rent on time -- with potentially severe consequences of fees/penalties, inability to renew/extend my lease, or in a worst case eviction for missing the payment. 

For multiple years, I have leveraged Ally Bank 's XXXX money transfer functionality to pay my rent. I have kept the same dollar amount of {$1400.00} on the same day of the month with no complaints or issues. 

However, today I received an automated email from Ally " We canceled your payment to [ name removed ] because : You have exceeded the acceptable number of payments or amount of money that could be sent within a certain time period. '' This was the one and only record of this change I could find. If I had received advance notice I would still have been inconvenienced, but could have at lease made other arrangements. 

In fact, three days prior to this cancellation I received an email from Ally " RemindeXXXX : Your next payment to [ name removed ] will be processed in 3 days '' with the full details including the dollar amount. 

I called an Ally representative and they were unable to provide information as the reason for this change, or sufficient alternate options such as the ability to my account to be approved for higher limits.

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 2019-08-23 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: GA

Complaint narrative:
Equifax is continuing to incorrectly report collections on the XXXX XXXX XXXX in the amount of {$400.00} partial account number XXXX and XXXX in the amount of {$1200.00} partial account number XXXX. ( Please see pages 22 and 23 attached from my credit report. ) XXXX and XXXX have removed these line items. I have contacted the bureau to remove these line items however, I have not been successful. This incorrect reporting of collections is harming my credit score and these line items need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
In 2019 of this year, I noticed a alleged debt was placed on my credit report ( s ) from named debt collector in the amount of {$1800.00} from XXXX. I never received proper information stating this debt was mine or that i signed anything. A copy of a cable bill isn't proof of ownership of debt.I know my rights as a consumer.I disputed this alleged debt to credit bureaus but haven't shown proper verification that this company is allowed to collect alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-23 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
i have received numerous calls even after I have asked XXXX XXXX at XXXX to stop calling. They robo call me on my cell phone as well as my office. The people that I speak to are belligerent and threaten to have me served at work and continue to hang up on when I ask for proof of this debt. This debt has been paid since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've sent over the facts disputing the records of inaccuracies to all 3 bureaus and they are just reporting back that it's verified with ABSOLUTE XXXX verification or documents. According, to the FCRA, any verification should be supported by documentation. The adverse accounts have not been removed and it's hendering my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2019, I went to check n go to  apply for a loan. They loaned me {$1700.00}. I paid {$240.00} On XX/XX/2019. I called check n go and they told me to pay off as of today is {$2000.00} and every day it increases. I did not know I was going to have to pay back so much. They put me in a loan that they knew according to my income, I could never pay off. I am mentally XXXX and on a fixed income and take care of my daughter with XXXX. Im taking them {$1200.00} today that I had saved up to buy a house for me and my daughter. They told me that this loan wouldnt show up on my credit report but its on my XXXX, XXXX, and XXXX. Please help me with this matter because Im on a fixed income and cant afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit limit of {$10000.00} with XXXX XXXX. I took out {$3000.00} to pay for an upgrade in my home. This is the line of credit that is secured against my savings. XXXX XXXX turned me into the credit bureaus as having taken out a {$3000.00} loan unsecured And my credit score has dropped 39 points. Itll take me years to gain the 39 points back. I have already re-pay the {$3000.00}. Unfair reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear CFPB, Im writing to you because my mortgage company has been playing games with me since XX/XX/2019. Almost 8 months ago I applied for a short sale with Select Portfolio Servicing and everything was going well the first 2 months of review until Select Portfolio Servicing requested a Brokers Price Opinion on my home.

The report from Select Portfolio Servicing finally came in after 4 weeks of waiting and with a big surprise I found out Select Portfolio Servicing didn't use an appraisal company to confirm the value of my home. 

I requested for a copy of the report since the amount that Select Portfolio Servicing was requesting for was over $  755,000.which that value shows several discrepancies considering the property value is only {$450000.00}. 

After reviewing the file with a manager by the name XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX who advise that because the investor of this loan did not want to pay for an appraisal of review the account properly for a short sale. They had no choice to use the Brokers Price Opinion ordered. 

Also I found out that Select Portfolio Servicing MANIPULATED the report showing shows my property is based on multiple unit property with XXXX units. 
Which is completely false my property is not XXXX units, which I provided supporting documents from XXXX XXXX XXXX RECORDS AND A LICENSED APPRAISAL REPORT. 

Now XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX refuses to take my call to address this issue of the fact that I have provided showing the proof this is a XXXX unit and the value that XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX is wrong and false. 


Please help me since now Select Portfolio Servicing is manipulating the number of units on the value report to take advantage of me and refusing to help me avoid foreclosure even though I was already told my loan is qualified for a short sale. 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: Utah System of Higher Education
State: NJ

Complaint narrative:
I successfully completed rehabilitation of my federal student loans in 2018. Per the rehabilitation letter I received from the company, " ED will request that credit reporting agencies remove the record of default on the rehabilitated loans '' US Dept of Education has my loans listed as open and payment status as current, however a previous servicer, Utah Higher Education Assistance Authority, still has these accounts listed as closed and sold to another lender, but they still have them in a negative status on my XXXX, XXXX, and XXXX   credit reports. I have requested from them to update this as well as submitted disputes online through the CRA 's, however these have still not be updated to reflect a positive payment status. This reporting by the company is severely impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
My vehicle was totaled on XX/XX/2019, and my insurance paid {$4100.00} more than what was owed on the vehicle. I was assured by Toyota financial services that I would receive that overage amount. TFS received the payment from my insurance on XX/XX/2019. I have called more than 15 times about the status of this check and so far have received nothing. I spoke to a manager on XX/XX/XXXX and he assured me the check would be sent that day. I never got it in the mail so I called again on XX/XX/XXXX and was told it would be 10 business days. I called another time on XX/XX/XXXX and was told another 10 days. I called today XX/XX/XXXX and was told the account was not closed and the check had not been sent and that it would be sent in 10 business days, So I emailed the manager I originally spoke to and have not gotten a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
1. CBS is pursuing me as an independent collection agent when the originating provider of services ( XXXX XXXX ) is actively accepting payments from me. Further, because XXXX is accepting payments from me, CBS has an incorrect and higher balance than I owe/am paying to XXXX. 

2. It is my understanding that if the business I am obligated to pay is accepting payments from me, it can not be a collection account being pursued by an outside agency at the same time. It also can not be reported adversely on my credit by said collection agency. 

3. CBS has admittedly reported adverse information to credit bureaus causing me harm.

4. CBS is further pursuing me for a debt that is not mine and that CBS has no business sending privacy information to me of someone else 's account, and has admittedly reported the debt to credit bureaus causing me harm. 

5. CBS has refused my demand to correct their faults and continues to send threatening tone letters. They also continue to share information about the debt that does not belong to me, which is clearly evidenced in the itemized statement they sent ( I am not the account guarantor ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
There is a collection in the amount of XXXX from XXXX XXXX XXXX under sa-bit ent inc. This has been on my XXXX  report for 3 years and should be removed as it was removed from XXXX. Over the limit to appear on report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
I had a bill pay service set up to pay the monthly charge one of my accounts. I closed the account that the service was set up for prior to the last automatic check payment reaching the company in the mail. The company mailed me the check since my account was closed. Once I received the check, I contacted my bank on XX/XX/2019 via their messaging service to have the funds from the check refunded to my account. The company put in a stop payment request on XX/XX/2019. I have been following up almost daily since then to determine the status of the refund. On XX/XX/2019 the bank responded to me letting me know that the refund would reach my account within five business days from the day the check is stopped. It had been seven business since the stop request when I received this answer. I called the bank on XX/XX/2019 and they responded via their messaging service that I would receive the funds " by the end of the week. '' This bank processes their returns at XXXX XXXX, so I checked today, XXXX, XXXX XXXX, to see if the refund had in fact been processed. It was not so I called the bank and was told since the bill pay service is " sunsetting '' that there was no timeline available as to when my refund would be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: CA

Complaint narrative:
The credit bureaus are reporting this collection account on my credit report that does not belong to me and it's causing me problems.

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 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
My mortgage was transferred to Mr Cooper effective XX/XX/2019. I made XXXX and XXXX payment. I sent up autopay with my bank for the XX/XX/2019 payment and due to a technical issue the XXXX payment did not get processed. I was unaware that the payment had not been sent. Upon notice that Mr Cooper had not received a payment I immediately sent the XXXX and the XXXX payment. I called Mr Cooper to see if I could resolve the situation and they said they didn't care if it was a bank problem or not and they were reporting the late payment to the credit agencies. This dropped my credit score 70 points and I am unable to refinance this property. The current rate is 6.875. 
Auto pay is working and there have been no late payment nor will there be. Since this occurred right have a transfer can this be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: NC

Complaint narrative:
I have filed numerous disputes with Experian concerning the reporting of inaccurate accounts listed on my consumer report with Experian. I continue to submit evidence proving that these accounts are erroneous yet Experian always mails correspondence at the completion of their investigation stating that these accounts were verified by the subscriber. Even when I highlight specific discrepancies in how the same accounts are reported differently to the other bureaus. That leads me believe that Experian did not conduct a reasonable investigation to include reviewing the evidence I submitted with each dispute and instead relied solely on their e-oscar system to parrot information from the furnishers of the information in my credit file even though I supplied evidence that they are providing different information to each XXXX, Experian and 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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting this collection account on my credit report that does not belong to me and it's causing me problems.

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 2019-08-23 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: ERC
State: CA

Complaint narrative:
The credit bureaus are reporting this collection account on my credit report that does not belong to me and it's causing me problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Tried to freeze credit with Equifax both on-line and via phone, but they refused to freeze credit. On-line system refused to place freeze ( " can't complete request '' ) and said I had to call them @ XXXX ( noon, XX/XX/XXXX ). Called them and wasted 20 minutes answering questions like " What bank did you open a credit card account with in XXXX? '' and " What bank did you have a mortgage with in XXXX? '' ( Answer multiple ... an answer not allowed ) .on their automatic response system Finally got an agent, who wasted another 20 minutes asking for the same info that was provided to their system during the same call, and then this XXXX wanted to know " What was your mortgage payment with XXXX XXXX XXXX '' Refused to answer my questions ( " Which of the XXXX or so XXXX XXXX mortgages are we talking about? '' or " How can you expect someone to remember what their mortgage payment was XXXX years ago? '' - we refinanced every XXXX months as interest rates were coming down in the XXXX and XXXX, XXXX XXXX was about every other one ). Agent refused to ask a question from this decade or to provide a supervisor when requested. An hour wasted trying to freeze credit from a company that willingly provides all their customers data to anyone willing to spend 5 minutes hacking their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
For the past couple of years I have maintained a Williams and Sonoma branded credit card through Comenity Bank. In XX/XX/2019 I attempted to go online as I always to and make my payment, my balance due was approximately $XXXX.  I was unable to log in using my account information which had been fine the previous quarter. I was traveling and unable to physically  pay my bill or call and the bank notified the credit agencies of my delinquency. My payment became past due. When I was finally able to call them I was offered no explanation as to why I was unable to make a timely payment online.  Instead, while I informed the representative that I intended to make a payment and close the account, she barraged me with balance transfer offers. I believe the website was purposefully unavailable to force customers to call in and speak with a representative in an attempt to gain more business. This has resulted in my credit score declining from XXXX to XXXX. I filed a complaint and the company did not respond. I believe many other consumers may have been impacted by this fraudulent activity and request that you investigate this matter as soon as possible. This is not dissimilar to the alleged “old” practices of XXXX of sabotaging customer accounts and then offering a great solution.

Company response to consumer: Closed with non-monetary relief