vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
From : XXXX XXXX, REALTOR ( XXXX ) XXXX Attn : Ally Financial - Legal Dept Hello Ally Financial XX/XX/2019 : {$8600.00} > Ally Financial > paid off our > LOAN # : XXXX. We did not consent or not informed except we received a letter telling us balance paid in full. As ofXX/XX/XXXX. 
We actually have no loan. We have received no statements since XX/XX/2019 or contacted in any way. 

We had a " XXXX BALANCE ''. LOAN : In reality we financed {$12000.00} - XXXX Paid {$7200.00} up toXX/XX/XXXX. 
This leaves a balance due {$5100.00}. 
Ally now tells us the payoff is {$9000.00}. 
" Ally Financial '' has three distinct sets of violations unlawful auto loan servicing, illegal debt collection, and violations of Fair Credit Reporting Acts. 
Ally Financial - Loan Servicers are not free to charge unauthorized fees or change loan terms on their own, which is what Ally Financial has done in our case. 
Misrepresented how much we ( XXXX ) owed, assessed higher fees than allowed by contract or state law, changed key payment provisions, and flat-out overcharged us. 
Ally Financial increased XXXX balances through a combination of human error, poor quality control, Philippine errors, and faulty computer programming. 

We have been attempting for over 180 days to call Ally Financial trying to correct their mistakes with no result. 

Please help us with this gross violation with Ally Financial. 
Thank you, 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 2020-07-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I forward a complaint on XX/XX/XXXX, file # XXXX with Transunion with regards to a charged off account with XXXX and XXXX furniture store. I closed my account on XX/XX/XXXX w /  XXXX and XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX and XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX and XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. Transunion was completely incompetent in conducting thorough investigation. The inaccurate information given by XXXX and XXXX is what Transunion updated without any further inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by Transunion. Respectfully, 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 non-monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
On XXXX, XXXX, and XXXX of XXXX, I was put on a deferment plan due to COVID 19. When I signed online to make my payment on XX/XX/XXXX it would not let me enter my card. I called State Farm Bank to find out why I can not pay and they tried to take it over the phone but due to me not having a checking account any longer, they refused the payment. They said that they can only take payments via checking account. I closed my account due to fraud activity and opened a new account at a new bank, with no checking account. I have an XXXX  XXXX card to pay all my bills and money is transferred into it to make the payments. They said too bad and I could open a checking account through them, pay the fees for the checking account I don't need, but how do I get money in it if they don't take a card. They said I could go to XXXX XXXX and wire the money but I am responsible for the fees. I can't leave, doctor 's orders. I called and filed a complaint on XX/XX/XXXX. I was told by XXXX that they would repossess my vehicle. I have been calling ever since trying to get a response, nothing. I was told I will have to wait. Today I spent 3 hours on the phone trying to make my payment, they told me to refinance it somewhere else if I don't have a checking account. I again told them that I will put the payments into escrow until they decide how they are going to take them. They refused and said the vehicle would be repossessed. I has called headquarters, asked for headquarters, corporate, anyone that will help in upper management and they hang up or send me to a department that can not help. Who, in this day and age, has ever heard of a bank not taking a card? My bank laughed and said they have never heard of such a thing. They said that I will incur late fees and it will affect my credit. So I have two law firms waiting for them to answer. I need help, I can not afford this and can't afford two law firms to convince a bank to take a card for payment. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
This started when I made my last vehicle payment. Ally bank took two payments out of my checking account. When I called Ally regarding this, I was told that one of the two payments could not be cancelled, and that a manager was not available to speak with. I was also told that I would have to cancel the payments through my bank. I did cancel the [ payments with my bank and since the end of XXXX have not been able to make the payment. I have called Ally numerous times regarding this yo no avail. Now they're telling me my account is delinquent, incurring fees, after I've already incurred cancelation fees with my bank.

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 2020-07-07 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: CA

Complaint narrative:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 



XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 



XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-07-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
This is my third attempt for you to remove the inquiries to my credit. The letter you submitted means nothing. I instructed the loan officer to stop and i wasn't interested any long after the numerous inquires on my credit. Please remove the inquires or i will be forced to seek legal assistance. 

You wrongfully inquired about credit causing to to fall 47 points. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: NY

Complaint narrative:
TransUnion has failed to provide online access to upload documents to prove identity theft, refuses to assist customers to complete uploads of documents, provides no fax alternative, refuses to take the information offered, provides a frustrating complicated and incomprehensible process to follow to correct the misinformation, preventing the consumer from offering necessary documentation to correct the errors and fraud. The websites do not function properly, commonly used browsers are not supported and Transunion offers no help or assistance to the consumer.

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 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On XX/XX/XXXX I opened a installment account with the original creditor, i made all payments on time with no balance. I closed the the account on XX/XX/XXXX in good standing. Two years later on XX/XX/XXXX I received collection attempts by LVNV Funding LLC for a different account from the original creditor. I mailed proof of identity theft on my credit report. I disputed the account numerous times but was declined. My credit report shows proof of exceptional payments made to the original creditor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX 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 2020-07-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX 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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I began an application to refinance for a jumbo conventional mortgage in XX/XX/XXXX. Bank of America. I paid for a rate lock and other fees to begin the process. Like it seems with many other mortgage providers, BofA began to show indications of 'backing out ' of any potential lending obligations with the onset of the coronavirus pandemic. However, what makes this egregious is that they ultimately stalled me for FIVE MONTHS, and reset through THREE DISTINCT UNDERWRITERS while re-charging me to restart the same process with the excuse that they 'lost the application ' and it lapsed. 
After jumping through numerous final 'hoops ' in XXXX, demanded at the last minute with little notice, they notified me of a denial late on XX/XX/XXXX. 
It is my belief that this company, perhaps like others, was so busy with their nose up the governments behind feeding on PPP business re-assigned all their underwriters to PPP business and simply dropped my application, with no intent of ever conducting this business, which is a fraud. They cost me fees, a negative mark on my credit due to the application and worst of all, a massive opportunity cost caused due to freezing a large amount of cash I did not want to put at risk during the application process. 
This is one of the most egregious cases of mal-intent I have ever experienced at the hands of a bank, and someone needs to be looking into the practices at BofA and how they have conducted themselves with similarly situated customers. 
I have millions of dollars in net assets with the bank for years. There was no reason for this. Furthermore, they could have easily made a negative determination within a month or two if there was a justification. 

The people I interacted with were XXXX XXXX XXXX Cell Bank of America NMLS # XXXX XXXX XXXX XXXX Mortgage Loan Coordinator E/P NMLS ID # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Multiple credit bureaus have a debt collection on my credit report that does not belong to me. The debt collection is for XXXX XXXX XXXX XXXX XXXX   and it was opened XX/XX/XXXX. From what I've been told from XXXX, it states that this is a debt from XXXX. I di not live at this location in XXXX and I never have lived at this location.My address was in XXXX, TX and still is today. Pro Collect has been harassing me nonstop to collect this debt even after I told them it was not me. They told me to fax private information proving this was not me, which is not safe nor feasible during this time. XXXX continues to deny my dispute and will not assist me. I continue to get the run around and this needs to be removed. The debt is for {$1200.00}. I am attaching documents proving my address in 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 2020-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.

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 2020-07-07 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: IL

Complaint narrative:
I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.

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 2020-07-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
theres an account that doesn't belong to me that has been reporting to my credit and is preventing me from getting employment and A home. 

jp morgan has already sent me A letter stating that they did research and the account is not mine but XXXX  still has not removed said file from my report this is my 3rd time over 90 days reporting this. I have all of the mail receipts and documentation. 

attached the letter from the jpmb services stating that its not my account driver license and ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Requested assistance under the Cares Act and asked to extend the assistance and the servicer has denied says we were only allowed 90 day that is it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CA

Complaint narrative:
I have been trying to get rid of fraudulent accounts since XX/XX/2020 Equifax and XXXX  seem to not be able to report accurate information XXXX XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) Equifax XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX XXXX Credit Card still showing - needs to be removed ( Showing as Open and Current but has been in default since XXXX ) ill enclose my Driver license social security card and original identity theft report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
I have been trying to get rid of fraudulent accounts since XX/XX/2020 XXXX and Transunion seem to not be able to report accurate information Transunion XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX  XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX XXXX Credit Card still showing - needs to be removed ( Showing as Open and Current but has been in default since XXXX ) ill enclose my Driver license social security card and original identity theft report from 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