vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have been with Ally bank since they were known as GMAC bank. Ally allows up to 20 external linked accounts to other financial institutions. For whatever the reason someone at Ally has decided to limit my ability to link to external accounts. I currently have XXXX linked external accounts and have been unable to add any more up to the 20 limit. When I complained to Ally I was told that since I have been a client with them that I have linked to over 70 external accounts during that time frame. There is no reason for Ally to limit my ability to link to external accounts as long as I stay within the 20 external account limit. I'm a savvy consumer who seeks out great rates, CD offers, and bonuses offered at other financial institutions. Ally 's actions are severely limiting my ability to link to other accounts that I have at other financial institutions, limiting my ability to transfer funds between those accounts, and limiting my ability to take advantage of great rates, CD, and bonus offers at other financial institutions.

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 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XX/XX/2022, my mortgage was paid a head, due for XX/XX/2022. My monthly mortgage payment is {$1200.00} of which {$320.00} is escrowed for my homeowners insurance and property taxes. All payments are sent electronically as a bill pays from my bank to PHH mortgage. On XX/XX/2022, I electronically sent a mortgage payment for {$1500.00} and a second principal only payment in the amount of {$7500.00}. 

I was paid a head so after the {$1500.00} was posted I was due for XX/XX/2022 payment BUT PHH took the liberty of taking {$1200.00} and posted as a payment so I was due for XX/XX/2022. When I called they said it could take 7-10 days to correct their posting error. Finally on the tenth day I call and there was no record supposedly of my call requesting thats the reverse the XXXX payment and apply to principal only. This was on XXXX XXXX when I was told it could take another 7-10 days. I dont have a lot of money but gathered enough to pay my balance according to their records of {$6500.00}. 
On XXXX XXXX my additional {$1200.00} was posted. On XXXX XXXX I sent {$7000.00} and refused to pay them {$30.00} to get a payoff figure. Today, XX/XX/2022 they received {$7000.00} and placed all of the funds in a Suspense Account. Please help me with this company they accept funds and then post the money where they want to and not by the borrower/customer request. 

THank you XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on XXXX that CapitalOne/XXXX  misses payments. Capital/XXXX  is a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: IN

Complaint narrative:
Account # XXXX On XX/XX/2022, I entered a verbal agreemnt with Global Lending Services that would extend our loan, cease repossession and our payments would resume on XX/XX/2022. I then signed a written form of the agreement and mailed it to GLS the next day. The aggreement was made directly with their VP of Collections, XXXX XXXX. 

This morning I woke to find that GLS had repossessed the vehicle anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to know what type of game XXXX, XXXX, and Equifax are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
I would like to know what type of game Experian, XXXX, and XXXX are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX  XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Progrexion Holdings, Inc.
State: DE

Complaint narrative:
XX/XX/XXXX sign up for a trial offer thirty days cancel anytime with credit repair. Com. On XX/XX/XXXX I was charged {$120.00} fees. I called and spoke with XXXX XXXX who said I have you on a recorded line saying you signed up for this service. I told him I wanted a supervisor because what I said was I was told a free trial with a cancellation at anytime. I was charged prior to the thirty days. Instead of putting a supervisor on the phone he hung up. I called back and ironically XXXX cancelled my account. When asked about a refund I was out in a hood and AGAIN the call disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
TOYOTA MOTOR CREDIT On XXXX 2021 the company reported to the bureau 30 days late payment on the 3 bureau and the information not showing correctly on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phillips & Cohen Associates, Ltd.
State: MD

Complaint narrative:
My mother passed away recently. A letter came to the house from Philips & Cohen Associates stating that the client they represent is trying to get ahold of the estate or executor of my mother to resolve a debt. In the letter, they did not say whom the client was or what the debt was. It just had a phone number to call and a PIN number to give to reference the letter. Upon research, the company is a scam. They make it seem like theyre a law firm but it is not. They didnt say whom their client was or what the debt was from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am a victim of identity theft.

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 2022-02-08 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Amount 2,500 is being stated on my credit bureau that is owed to first national bank of Pennsylvania this information is incorrect. That amount was fraudulently placed by a employer who scammed me for the funds I was unaware the employer paid me for my services with fraudulent funds that was later deposited into my checking account. I had no knowledge the funds was fraudulent and later filled a police report, reporting the employer was a scam and taking advantage of there employees. First national bank has refused to remove this account from my report and has negatively impacted by credit with all three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NJ

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NJ

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

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 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on XXXX that XXXX misses payments. XXXX is a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on Equifax that XXXX misses payments. XXXX is a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC
State: TX

Complaint narrative:
I recently was approved for the partial claim loan and the amount was for XXXX. I also made a payment in XX/XX/XXXX for XX/XX/XXXX of XXXX which totals to XXXX. I am not sure why there is still a balance for XXXX for the month of XX/XX/XXXX. I was informed that the payment I made in XXXX for XXXX is in a suspense account and has not been applied to the mortgage payment. I have made several attempts to call the mortgage company and I need details as to why there is still a balance showing that should have been cleared. XXXX payment due date is approaching and I am very concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.

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 2022-02-08 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: PA

Complaint narrative:
Amount 2,500 is being stated on my credit bureau that is owed to XXXX XXXXXXXX XXXX XXXX XXXX this information is incorrect. That amount was fraudulently placed by a employer who scammed me for the funds I was unaware the employer paid me for my services with fraudulent funds that was later deposited into my checking account. I had no knowledge the funds was fraudulent and later filled a police report, reporting the employer was a scam and taking advantage of there employees. XXXX XXXX XXXX has refused to remove this account from my report and has negatively impacted by credit with all three credit reporting agencies

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 2022-02-08 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: NY

Complaint narrative:
I received a copy of my credit report and found the following items to be in errors. The FCRA section 611 state if a consumer finds errors, inaccurate account or can not be verified on their credit report the credit reporting agency must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
I received a copy of my credit report and found the following items to be in errors. The FCRA section 611 state if a consumer finds errors, inaccurate account or can not be verified on their credit report the credit reporting agency must remove the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM INC. for committing identity theft. I have never given I.C. SYSTEM INC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and I.C. System Inc. continues its collection efforts, I will file for litigation for actual damages caused and I.C. System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required. 

Certified Mail # XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My Bank XXXX merged with XXXX XXXX XXXX and is now XXXX. Due to the merger there were errors made on their on line banking platform, where auto debit payments were not made. 

A payment to Best Buy ( Citi Bank ) was missed by XXXX  XXXX. 

I have a letter from XXXX XXXX admitting their error. I have spoken to 15 or so Citi employees including a quite rude Supervisor named XXXX. 

Many were empathetic, and one Supervisor XXXX even went so far as to say " I see what happened and you should not be in the middle. We can fix this internally ''. When I followed up, Supervisor XXXX said " it's not our error, and our position at Citi is unless we make the error, we do not revise the credit report, even though you are not responsible ''. 

I am baffled as to how I as a consumer am being so negatively impacted with ZERO help.

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 2022-02-08 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance Has failed to report payment history correctly on the vehicle loan that was actively open during the time period XXXX Thru XXXX. Payments where not reported correctly starting XX/XX/XXXX Thru XXXX of XXXX. There was no payment information report to all three credit reporting agencies. There was a covid-19 impact reporting freeze place on my account that I did not authorize and done with out my permission. Also There was a late payment on XX/XX/XXXX. That was incorrectly reported the payment was not late. Please update this information immediately and correctly to all three credit reporting agencies. for all months that wasn't reported immediately.

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 2022-02-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank/Walmart card is reporting to XXXX XXXX is reporting the account is closed. It can not be updated to active because it's closed. 
XXXX XXXX XXXX is reporting said account on Synchrony Bank/Walmart .

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 2022-02-08 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: NY

Complaint narrative:
XXXX XXXX card is reporting to XXXX XXXX is reporting the account is closed. It can not be updated to active because it's closed. 
XXXX XXXX XXXX is reporting said account on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I am an identity theft victim

Company response to consumer: Closed with explanation