vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial Inc claim to be a creditor to me. I have never had any contact with them in the past. never borrowed from them never received any money from them. they have used my entire TIN no account number in reporting a debt. I LEASED a car from GMAC, I was lead to believe I could purchase the car at the end of the lease. I was denied the purchase of the car due to a couple late payment. I had over mileage fees I payed as much as I could and just could not pay anymore. this amount was removed from my credit. It has been over 8 years since I communicated with the loan company not ally financial. The leased car was about 18 years ago. ALLY financial reported that I owed {$7600.00} I DID NOT OWE THEM ANY MONEY. I owed GMAC FINANCIAL NOT ALLY FINANCIAL.

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 2023-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
In XXXX I was unable to make a payday loan with XXXX XXXX XXXX that I had renewed for over a year do to my income being cut short. In the month of XX/XX/XXXX I was able to payoff most of my collection accounts listed on my XXXX XXXX. I paid to XXXX XXXX XXXX an agreement amount of {$250.00} to settle the debt that was collected by agent XXXX XXXX # XXXX with XXXX XXXX / XXXX XXXX XXXX. Payment Conformation # XXXX issued by XXXX XXXX. The account was removed from my credit report after a process was completed in XXXX. 
On XX/XX/XXXX this was listed on my credit report as a collection account which is totally incorrect. I spoke with XXXX XXXX XXXX XXXXXXXX XXXX XXXX @ XXXX to provide my payment information and I was told by him to dispute this matter online to an email that he provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
An unauthorized transaction for {$170.00} was made from an account that used my personal information that I knew nothing about nor the individual who money was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi My name Is XXXX XXXX I received a personal loan in the Amount of {$5000.00}. 

From Oportun Inc Loan No XXXX was paying on time and I was Surprise to find on the credit report that OPortun Report 2 late Payment in XXXX and XX/XX/2021 XXXX contact the Lander to do Good Will Deletion they refuse to do it When I called and I talk with one member of the customer He told me the company had some issues with the software. The LoanHas Been Paid off. 
I am asking you to Intervene in this Matter.. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: HI

Complaint narrative:
Good afternoon Sir or Ma'am, I am an XXXX  serviceman who deployed from XXXX to XXXX ( see attached deployment letter ). During this period, we did not have internet access due to the nature of our job requirements at the time. 
I understand that a payment wasn't made on a timely manner for the month of XX/XX/2020. Aware of this situation I called Discover customer service as soon as I had an opportunity, and explained the situation which they were extremely helpful. However, there is a late payment for that event affecting my credit. 
Respectfully request to reverse this negative report on my credit. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/2022, a letter was sent certified mail along with my identification with the correct address, and name. They have yet to remove the information and it is effecting 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 2023-02-18 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: AL

Complaint narrative:
Reporting creditor XXXX XXXX XXXX is a fraudulent account reporting on my Experian credit report. The original creditor shows as XXXX  XXXX XXXX, I have never lived at this address. The collection account was opened XXXX XXXX, I have no knowledge of this account and I contacted the original creditor and Experian credit bureau in numerous occasions yet they have failed to removed fraudulent activity from my account. I have filed a police report and have provided proof to both XXXX XXXX XXXX and Experian yet they neglect to fix an issue that has caused financial hardship.

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 2023-02-18 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: GA

Complaint narrative:
XXXX please remove the credit inquiries XXXX XXXX XXXX  XXXX inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove these credit inquiries, they are fraudulent XXXX  XXXX XXXX XXXX Transunion please remove these credit inquiries they are fraudulent XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-18 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: GA

Complaint narrative:
XXXX please remove the credit inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian please remove these credit inquiries, they are fraudulent XXXX XXXX XXXX XXXX XXXX please remove these credit inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out to credit reporting agencies to remove inaccurate information to include, name, address, phone, employment and all collections not being removed if not associated with my current name

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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am finding out about you all after some research on the web. I have been dealing with Wells Fargo for about a year now for a big purchase on my card. 

I contacted the Wells Fargo team and told them about unknown charges on XXXX/XXXX/2022 for {$650.00} at XXXX and {$39.00} at XXXX XXXX. I told Wells Fargo I had lost my card and found it later that day with security not thinking my card was used since it was still in my wallet when it returned to me. I let them know that I am mainly worried about the {$650.00} charge and they told me they would get back to me. Months went by and I contact them again they tell me they are still investigating. More time went by, another call, and I was told I will not be getting a refund since my card pin was entered. 

When telling Wells Fargo about this charge I let them know that I do not shop at high-end stores and to please check my account and see that this is an unusual charge. I was told since the pin was entered in I will not see my money. Please 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 explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I HAD a checking account for approx 8 yrs with Wells Fargo which I closed 4 yrs ago because they habitually were slow to apply deposits and held until debits were low and THEY racked up on charging me overdraft fees. I was constantly fighting with them and finally closed my account and the straw was when my ex-husband moved out of state, made his change of address on a Wells Fargo acct he held and WF CHANGED my account -- totally unrelated, to his address. It was constant poor banking

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX {$1500.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$700.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Original Balance {$520.00} XXXX Resource XXXX Opened XX/XX/XXXX Account # XXXX Original Bal : {$3000.00} Balance : {$2900.00} XXXX System, XXXX XXXX XXXX Powered By Opened XXXX, XXXX XXXX Original Balance : {$350.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Here is the last email i sent to TD Bank : URGENT : Please contact me ASAP to resolve this. I was charged a late fee of {$29.00} last month. The recurring payment was scheduled on time ; however, it did not go through on your end. I made the payment manually within hours of its due date and made the next month payment in advance in good faith. I just logged in to see if the {$29.00} fee was removed and see a new {$40.00} late fee was just charged to my account today .... My emails have not been answered. I will not pay any late fees for a banking error that was not my fault. Because TD is continuing to charge late fees to my account and not responding, I will stop all further payments to this account until the late fees are removed. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter by certified mail to Transunion about removing this incorrect information and they refused to remove it. XXXX and XXXX are not reporting this false information. 
Letter mailed on XXXX/XXXX/2022

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 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
XXXX XXXX, 2023 : I received a debt collection letter from ABILITY RECOVERY SERVICES and XXXX XXXX XXXX XXXX. 

XXXX XXXX, 2023 : I mailed a letter to ABILITY RECOVERY SERVICES, XXXX XXXX XXXX XXXX, disputing the debt and denying that I owe it to XXXX XXXX XXXX. Also in this letter, I demanded that ABILITY RECOVERY SERVICESXXXX XXXX verify the validity of this debt in writing within 30 days and submit a copy to me at the address below. I also asserted my rights under HIPPA and demanded a copy of the HCFA-1500 used to make decisions on my behalf and made part of my designated record set, within the next 30 days. I further requested these items : 1. Provide a billing statement which matches the balance being claimed. 
2. Provide an itemized list of services with the charges that XXXX XXXX XXXX XXXX claims to have provided, that total {$4000.00} OR provide the itemized list of services with their charges and any partial payments my health insurance company and I have already made towards these charges. 

My letter was not returned from sender, so it would have arrived. Further, this company ignored my dispute, provided no documentation to me and recently reported this debt to major credit bureaus without stopping collection and validating the debt.

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 2023-02-18 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
Ive tried calling each company but its either hard to reach them or they dont answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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:
On XXXX I disputed this account XXXX XXXX XXXX. With XXXX, XXXX, and Transunion I have never been provided any information on how this account was verified, but yet it's still being reported on my credit reports. All 3 credit bureaus are reporting inaccurate, unverified information. This account needs to be deleted.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting you this CFPB Complaint today to let you know that you have failed to comply with the Federal Law, Fair Credit Reporting Act section 605b, and continued reporting the disputed items without completely verifying the disputed items you are reporting on my Credit File. Previously, I have been asking you to send me copies of proof of verification or any documents you found along your investigation to prove that the disputed items belong to me. And you have failed to do so, but I see here that the disputed items are still being reported on my Credit File! This is a clear violation of my consumer rights under the protection of the Fair Credit Reporting act! Once again, I need you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$690.00} XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. With you failing to send me copies of proof of verification or any documents, it should have been expected to have the disputed items removed from my Credit File, and yet you have failed to do so.

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 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This company is still reporting that I owe them debt to XXXX and I have requested them to Validate the debt numerous times via certified mail 6 months straight starting XXXX, 2022... They are still on my credit report even after mailing me a letter that they will stop contacting me about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Today, I logged into my corporate account at Bank of America and I get a message that my account is " restricted. '' I called the phone number listed, and then was transferred 3 times. After 2hours, the call was disconnected. When I tried again, the business was closed. 

I never received any call or notice from B of A warning before them restricting my account. There is no fraud. The deposits are made by clients. 

I have checks with this account number and it is tied to several accounts. I can not have it closed.

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 2023-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MD

Complaint narrative:
I submitted a request to have my payments counts updated in response to the public service loan forgiveness program. I have submitted all the requested paperwork, however, the form, which is accurate, keeps getting rejected by MOHELA. When I address the issue and resubmit the form, the 90-day processing time starts over. It seems like an endless process on their end to update my payment counts for the PSLF program. I have gone through this process at least 3 times and each time I get pushed to the back of the queue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/XXXX I payed for a hotel stay at inn of the XXXX XXXX. {$160.00} for one night. We ended up having to clean the room ourselves. Just to bathe it took 4 hours of scrubbing with cleaning products I had to purchase cause I couldn't get help from desk. The whole room was ridden with unknown bodily fluids. I have pictures of it all. The hotel offered 50 percent refund which I declined wanting 100 %. Called chime Bank to dispute on XX/XX/XXXX. As per their own policy. In the 10th day if investigating is still happening I would be provided temporary provisional credit. It's now XXXX. N they are just not cooperating and the investigation is still ongoing. I want my money back. I need it. Make them play by the rules please. I've been very patient with them and it seems as if you cfpb are the only ones that make them fall in line. Please do your thing and help me out. Thank you Ps. The photos Are All before we cleaned. There's way more I can provide. It takes so long to upload one at a time. The cupboard looking pic is the shower room ... ..yukk

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: NY

Complaint narrative:
I have reached out to credit reporting agencies to remove inaccurate information to include, name, address, phone, employment and all collections not being removed if not associated with my current name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: NY

Complaint narrative:
I have reached out to credit reporting agencies to remove inaccurate information to include, name, address, phone, employment and all collections not being removed if not associated with my current name

Company response to consumer: Closed with non-monetary relief