vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
I am trying to pay my monthly mortgage bill. It is due on the 1st of every month, but there is a 15 day grace period. 

When I log in and choose to make a direct ACH payment, it does not show that I owe a late fee. But instead, shows that in order to make a one-time payment, I must pay {$10.00}. There are other ways I can pay for free, like mailing a check or using their mobile app on or before the XXXX. But to pay over the phone or online through their portal costs {$12.00} and {$10.00}, respectively. 

My problem with this is it's dishonest. If there is a fee simply to pay your mortgage, it would be en force at any time you pay. This is essentially a late payment fee without being named as such. I've never had to pay a fee to pay my mortgage, and I've been with about half a dozen mortgage companies since 2008 thanks to them being continually sold to other companies. This is by far the worst service provider I've had. 

Please see the attached documents. It shows the ways you can pay without fee, and once you go through to the one-time payment screen, it shows the draft fee schedule at the top. On that one you'll see the box for " late fee '' is zero. The company is essentially levying a late fee but calling it something different to get around federal regulation.

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 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I have a balance of {$850.00} in PayPal cash, and on XX/XX/XXXX in the morning, I found out {$850.00} of them were withdrawn at some XXXX location without my consent. I immediately contacted PayPal to let them know the transaction was not authorized by me. I can't get to them by phone call because they are closed under the COVID-19 situation, so I left a message in the online message center of their website. However, they declined my request and said the transaction was consistent with my account. I don't think PayPal has done its job to protect my information as well as my money. I didn't get any notification when the cash withdraw was initiated, and the later on notification transaction ID I got in the email even differs from what they provide on their website. In a word, I think PayPal should be totally responsible for this issue and they should refund me the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I looked on my credit report and noticed that some accounts were opened that I did not authorize and have no knowledge of the person who opened them.

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 2020-05-12 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: Vander Financial, LLC
State: IL

Complaint narrative:
I looked on my credit report and noticed that some accounts were opened that I did not authorize and have no knowledge of the person who opened them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
There was an overpayment made on an XXXX account I had with Midland Credit Management. To that effect, Midland Credit Management sent me a statement last month that shows I have overpaid them in the amount of {$140.00}. However, the company has never issued a refund check. 

What's worst is when I contacted them today, their representative 's attitude seems to be, they will sit on the money for as long as they want. 

This money is not there, they have no legal right to keep it, and they are blackmailing me in an attempt to make me pay on another issue using the {$140.00} overpayment as bait. 

This is an example of the worst kind of business practice. Not only is it unethical it is illegal and quite frankly the CFPB should be ashamed. This agency was created to prosecute bad business practices. Instead, under the Trump Administration, it seems to be a placebo in an attempt to appeal to voters by saying they are doing something while they are actively doing whatever they can to benefit these bad business actors. Frankly, if someone were to use me that way, then they should at least buy me dinner first. 

Midland Credit Management has 48 hours to cut a refund check to me for the {$140.00} overpayment or I will file a lawsuit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit 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 2020-05-12 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit 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 2020-05-12 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: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2020, I took out an auto loan with Ally Bank XXXX, XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. Ally did a credit check which lowered my credit score. However, I have made 3 payments, all on time, yet as of today, Ally has not reported my on time payments to any of the three major credit bureaus. I truly believe, if I had failed not to make my payments on time, Ally would have promptly reported this negative information to the credit bureaus. For example, my XXXX payment is not due until XXXX, 2020, yet I made my payment on XX/XX/2020. In an effort to resolve this matter, I called Ally on XX/XX/XXXX, and emailed my complaint to them on XX/XX/2020. They have failed to respond. I called them back today and I received no answer as to why my account has not been reported. 
I am in the process of trying to qualify for a much needed mortgage for my family during these very trying times. Therefore, I am requesting CFPB help in forcing Ally Bank to do the right thing and immediately report my account to the three major credit bureaus. Their accurate reporting would help raise my credit score which could provide me a lower mortgage rate, which in turn will provide some much needed financial relief to my family.

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 2020-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I emailed a letter to my quick wallet to revoke ach authorization and also a do not call me at my employer 's. Due to COVID19 my hours have been reduced and my ability to pay has been affected. My quick wallet has since called my job twice and is threatening to continue calling if I dont make a payment. My employer has expressed these calls are not acceptable and I have received two warnings. I have tried to explain my situation and as soon as I am working fulltime I can start making payments again.

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 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I discovered an unknown collection account on my credit from a company called XXXX XXXX XXXX Account Number XXXX alleging that I owe a debt to XXXX  XXXX. I have never had a XXXX XXXX card in my wallet or in my possession. I have never received a bill or nothing of the sort from XXXX XXXX. Now as of yesterday- there are now in fact 2 collection companies reporting on my credit in regard to the same unknown account with XXXX XXXX. The new company is called Portfolio Recovery associates. 

Once again, I have not received a notice from XXXX XXXX because I have never had dealings with them. I also never received a collection notice from either of the collection agencies and they both are reporting the account on my credit and coming after me for the same debt at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I OBTAINED AN AUTO LOAN ON XXXX XXXX, IT IS NOT REPORTING ON MY CREDIT REPORT, I NEED THE AUTO LOAN THAT I HAVE WITH XXXX XXXX XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,

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 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To Whom It May Concern : I disputed a tradeline from XXXX   XXXX XXXX  with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been attached

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 2020-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Department of Education Navient claims that I was late 1 payment in XX/XX/XXXX and Late one payment in XXXX of XXXX, late 1 payment in XX/XX/XXXX and late 6 payments in XXXX from XXXX to XXXX. This is not accurate. I should be current for all the months as this account is in deferment. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX   XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$440.00}

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 2020-05-12 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: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX   XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$440.00}

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 2020-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I have been trying to reach chex systems in order to get my credit report which is under a freeze because of my identity theft due to serious car crash by which i almost died i have my pin number which is XXXX and consumer identification XXXX. The system is totally automated by phone and the website has issues. I need my chex systems report to be update according to the fair credit reporting act, and Fair and accurate tans actions act.

I need my chex systems reports after all old and outdated information removed and the results sent to me afterwards to show the results of the removed items after all federal laws have been applied as to this credit report to be updated.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I OBTAINED AN AUTO LOAN ON XX/XX/2019, IT IS NOT REPORTING ON MY CREDIT REPORT, I  NEED THE AUTO LOAN THAT I HAVE WITH XXXX XXXX XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I OBTAINED AN AUTO LOAN ON XX/XX/2019, IT IS NOT REPORTING ON MY CREDIT REPORT, I NEED THE AUTO LOAN THAT I HAVE WITH XX/XX/XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
All of us " Retired Baby Boomers '' ( which increase XXXX / day ) who have lost their working income and now have SS benefits and assets. 

1. We can not refinance our mortgages.

2. Refinancing which would give us monthly payments of half with the lower interest rates. A decrease from $ XXXX ( more than my {$1800.00} SS ) to {$950.00} mo. 

3. Because we can not refinance some seek foreberance or worse. 

4. So, I ask that you relax the re-fi rules for seniors so they can refinance their current mortgages without having to meet any old requirements. If, a mortgage is being paid and has been paid, why put anyone in a financial squeeze especially our seniors why not let all of us refinance. 

5. This appears to be a win-win on both sides and if you run the numbers helps our seniors avoid forebeance or worse and helps the servicers etc ... ... ... ..Please!

6. This mortgage company sent me the attached ; they do not follow Cares Section 4022 and I have a complete record of how they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TX

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CT

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX  partial account number XXXX. Equifax is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation