vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have confirmed with my banking institute that there are no limits on transactions made as EFT withdrawals using the routing number and account number and that at no point during this described period has Ally attempted to make withdrawals on either my savings or checking account. 
On XX/XX/XXXX, I agreed to a settlement offer to pay off my remaining balance of {$1800.00} with a one-time payment of {$1000.00} scheduled for XX/XX/XXXX. I patiently waited to see the withdrawal on my account and saw no such activity. 
On XX/XX/XXXX, I called the customer service line and attempted to make a payment over the phone with an agent first through my savings account with the account details and then with my checking account and neither were successful. The agent suggested I reach out to my financial institution to see what was preventing the transaction, which was when I learned there are no limits to EFT amounts. Before I disconnected the call, I was told ( on a recorded line ) that the settlement amount would be preserved. 
On XX/XX/XXXX, I called back and spoke with another agent, now armed with my knowledge that there should be no issues using my bank details from my financial institution. I was informed by that agent that the settlement amount was no longer available, and that I would need to make the full payment amount and that I would need to send in a XXXX or a XXXX XXXX money order with my account number written on the outside of the envelope ( which sounds very data security dubious. ) There was an attempt made in XXXX to send a large amount through XXXX that was never collected, the agent I spoke to on the XXXX never made any indication that I couldnt make the payment over the phone, and I was offered a settlement amount that Ally Bank never attempted to withdraw. Not once. I am now reporting this lender for weaponized incompetence as a method of reneging on offers made to their clients, financial manipulation, and fiscal dishonesty, as well as utilizing bait-and-switch tactics to strong arm their way out of honoring a settlement amount. 
They also really shouldnt have their representatives suggesting that their clients expose their account information on the outside of an envelope.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Mariner Finance has been reporting inaccurate information to all credit bureaus stating the account is in collections and payment history is not up to date. The account is current and up to date and company still has ownership of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In approximately XXXX of XXXX I, XXXX called Wells Fargo to alert them to the fact that my credit card ending in XXXX had been fraudulently accessed and charges made for an amount in the area of {$10000.00}. I learned this when I logged in to pay my Wells Fargo Mortgage and saw the balance on said credit card. They took my information and said that they would process what I had given them and get back to me. They did not get back to me. The following month the same account had not been closed still and now had XXXX in charges on a card with a XXXX limit! I again called and was assured that it would be taken care of. They NEVER contacted me again so I assumed all was OK when I logged in the following month and the card was no longer under my Log In. 

Fast forward to XX/XX/XXXX. My husband and I apply for a loan and find out that this Account WAS STILL OPEN and reported as unpaid in my name. I spent nearly a MONTH calling WF almost daily with indescribably incompetent representatives who all seemed confused as I repeatedly described the occurrence day after day until I was finally told that the Account was now closed and I would receive ( in the US mail ) a letter detailing the fraud and a subsequent adjustment to my credit report. In the interim they refused to email me anything that could confirm or deny any of this fraudulent activity, their inexplicable inaction when alerted to this fraud initially or their gross inaccuracies in their reporting to the credit bureaus. I still have not received this letter and my account, while closed is marked " Charged Off '' as if it were an unpaid obligation! This has hit my credit score for XXXX points and prevented me from obtaining our loan PLEASE HELP. me! I am at my wits end with this excuse for a bank and their grossly inept handling of this entire situation from my first call to them over a year ago.

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 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
this is part of the other complaint. To add a police report from XXXX XXXX Ga XXXX XXXXXXXX XXXX. XXXX XXXX was kind enough to send me a copy of the original lease. Corporate office in XXXX also told me Genisis does not have me in their computer system as ever having a debt, it is only as XXXX, and that they did in fact sold it to a XXXX party collection agency who do not work for them. The detective looked at the XXXX leases side by side with many different inacuracies and even dated with different dates. He even called and asked XXXX how it could have happened. The late fees for paying late were even different. They forged documents and switched the name on the charges statement to try to get me to pay monies I dont owe and put me on collections on the credit reports. This should be a felony!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
I have had a Collection from Portfolio Recovery Associates , LLC via XXXX XXXX  from retailer XXXX, on my account for the past few years. I have disputed the account numerous times with the company and credit bureau 's only to have the account come back as " Verified '' every time. 

I have asked for proof that the account was opened by me, including the original application or account opening document, but it has never been provided. The company has only sent a copy of 3 billing statements which, of course, doesn't show that the account is mine, only that it exists. 

I asked XXXX how they verify the account and was told it is simply a matrix of " personal information '' in my credit file that they compare against the personal information the collection agency is sharing, nothing more. There is no requirement to show proof of account ownership and no way to truly verify the account opening date if it is not already shown within my credit file. Therefore the entire account can not truly be verifiable and relies on a plethora of inaccuracies. 

I have disputed the account in the following manners : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Portfolio Recovery Solutions / Associates, LLC has sent me some forms to fill out requiring a notarized statement and a police report for " fraud '' cases. Although this may ultimately be fraud, I am unwilling to provide these forms until I have been shown the original signed document that was utilized to open the account. I haven't been provided the documentation I've been requesting within my disputes for years. I need to see the application document, the signed document, the agreement/terms and original date the account was opened as well as the last payment, if any. The burden of proof still upon the collection agency, but they are refusing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I attempted to make a purchase by redeeming my credit card. I could not make the purchase because points were linked to an old card number. There is an option online to upload new card information, I attempted to use this option by entering my information. When I entered my information, the computer prompted me to call a number. I called the number and they told me they couldn't help and to call another number. I called that number and the rep said she couldn't help and to call back. I called the first number and the woman said I could fix the issue by ordering another card but it would take 7-10 business days to receive. I told her I needed a new card ASAP and asked her to do next day shipping as a courtesy, she agreed. Our call was disconnected before she could process my request. I called the same number back and a new rep said " we don't do that here, you must call citibank for a new card. '' I called citibank and they said in order to get a new card, I would have to verify my identity by sharing the hree digit code on the back of the card that I don't have. 

Wayfair is making it almost impossible to use/redeem my points!

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Open my Truist checking account on XXXXXXXX XXXX XXXX XXXX made a deposit, They placed a seven day hold on it. Which cleared yesterday and then my account is still Block calling customer service every day been going to the branch every day with no resolution basically holding my money hostage.

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Last year while out the country my account was fraudulent attack by someone using XXXX XXXX. I called to make a claim, the fund was returned, and I was offered a service to receive alerts when my card is being used. I do not receive the alerts on consisted basis. However, last month I receive an alert from footlocker regarding a purchase that I did not make. I receive the alert around XXXX XXXX but did not see the actual alert until XXXX. I went to a local branch to talk to a banker who gave my information to the fraud department due it being after XXXX. The next day I called made a claim, the representative looked over my account and stated that she notices. that I had a previous fraud claim regarding XXXX XXXX and she notice that I do not spend no more than XXXX XXXX XXXX XXXX and she told me that hackers usually spend smaller amounts so that customers don't realize their account is being hacked. she added an amount that was fraudulent used from XX/XX/23 as well as the currently claim last month. The amount from last month was denied due to their policy of 90 days. So, fifth third is allowing my card to be hacked and will not refund my money. I called the actual company of one of the other charges that refunded my money, but it was sent to the card that was closed. When calling Fifth Third to retrieve my funds, I was told I have to file a dispute to receive my funds instead of the re-routing the funds to my new account. I have really had enough of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I applied for a loan with upgrade in XX/XX/XXXX. The payments were {$46.00} in total I have made about 23 payments totaling up to {$930.00}. I had a payment on XX/XX/XXXX but I am in a hardship and I am unable to make a payment. My expenses have increased and I would like to consider what I have paid towards the loan and close the account. I am on a fixed income and Im barely making it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I was scammed on XX/XX/24. I XXXX  a XXXX phone number and called it to report a hack. They charged {$200.00} to XXXX and 2 {$200.00} to XXXX. I also lost {$210.00} thru PayPal on my debit card. PayPal denied my dispute. My bank is working on my credit card charges. I reported to police, changed all accounts information and banking information. These were all gift cards. PayPal wont let me appeal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of certain accounts listed on my credit report that I believe to be in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ). These accounts have breached my rights to privacy and confidentiality as stipulated under Title 15 U.S.C. 1681, particularly in sections 602 ( A ), 604 ( A ) ( 2 ), and 1681c ( a ) ( 5 ).

The following accounts have been reported without my explicit written instructions, thereby contravening the requirements set forth by the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to 15 U.S.C. 1681 section 602 ( A ), I am guaranteed the right to privacy. Furthermore, section 604 A ( 2 ) mandates that a consumer reporting agency can not release any account information without receiving written permission from the consumer. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits the reporting of any adverse information, other than criminal convictions, that predates the report by more than seven years.

Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful to furnish any information about a consumer to a reporting agency if the provider knows or has reasonable cause to believe that the information is inaccurate. 
Given these violations, I am requesting the immediate deletion of the aforementioned account from my credit report. Please review this matter under the guidelines of the FCRA and confirm in writing that these accounts have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I HAVE CONTACTED SELENE FINANCE SINCE XX/XX/2024 IN REFERENCE A PAYMENT THAT WAS SENT BY XXXX TO THEM ON XX/XX/2024. I HAVE BEEN GIVEN THE RUN AROUND FOR 2 MONTHS SAYING THAT THEY LOST THE PAYMENT AND THEN THEY FOUND IT AND IT HAS YET TO BE POSTED. I KEEP LETTERS FROM THEM STATING WE ARE BEHIND AND IT IS GOING TO EFFECT OUR CREDIT AND I INFORMED THEM TODAY THAT I WAS REPORTING THEM TO THE XXXX XXXX XXXX BECAUSE THEY ARE NOT DOING WHAT NEEDS TO BE DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Monarch Recovery Holdings, Inc.
State: IL

Complaint narrative:
Monarch Insisted that they took their money out first and then paid out our debts, I know not that is not right they are not allowed to do that. we paid out over XXXX dollars and had only one debt settled which was under XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances. 

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 

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