vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
On XXXX XX/XX/XXXX, my brother XXXX XXXX called me and asked if I would cosign for him a vehicle with GM Financial a.k.a. XXXX XXXX because he couldn't get it with his score being so low. I said yes and was immediately put on the phone with the sales rep who was selling my brother the XXXX XXXX XXXX. The rep said his name but said it so fast that I didn't catch it and he immediately asked me if I had a valid driver 's license, asked for my social security number, address, phone number and name. He asked me if he could run my credit to be a cosigner for my brother 's purchase of the vehicle? I told him to run my credit and that was all we discussed. My brother and his girlfriend were in the dealership waiting and the sales rep left the room to run my credit ; upon his return he told my brother that my credit was good enough for him to purchase the vehicle. I received a sales contract via letter mail on XXXX XX/XX/XXXX, and the contract was per-dated for 3 days earlier XXXX XX/XX/XXXX when my brother was initially in the dealership. There were no stickers, arrows or highlighted sections of any kind on the contract indicating where I should sign but I did sign the contract and send it back to XXXX XXXX. 
-During the months of XXXX XXXX dealership kept calling me for payment XXXX XXXX dealership states payments not being made on time XXXX XXXX vehicle sent to collections XXXX XXXX vehicle repossessed XXXX XXXX sent letter stating the intend to sell vehicle at auction XXXX XXXX XXXX requested copy of original contract from dealership XXXX XXXX XXXX received illegible copy of contract from dealership XXXX XXXX XXXX got original contract from my brother XXXX XXXX XXXX noticed that dealership has me listed as buyer and not cosigner -Once dealership found out that I disputed the account via XXXX and XXXX as fraud, they sold the debt to XXXX XXXX. 
XXXX XXXX XXXX XXXX contacts me stating the purchased my debt and they are requesting debt be settled with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Submitted loan forgiveness information but payment history seem in accurate. Worked for XXXX XXXX since 2015 and amount of qualified payments and about owed is off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Celtic bank was opened in my name without my consent in XX/XX/2022 I have not received this card or used this card

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 2024-01-01 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
State employees credit union has caused suffering and harm by invasion of my privacy and has caused harm to my reputation harm to me economics and physically by sharing my highly sensitive information to the credit reporting agencies with out permissible purpose with my credit card my car loan and personal loan along with ever inquire that was shared with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2023 I submitted a dispute request to Experian about a item listed on my credit report under the name of XXXX. After Experian done their reinvestigation they stated on XX/XX/2023 they didn't change none of the data under this account. And stated that the data furnisher claimed that. All of information listed under this account was accurate and verified. But if you look at the " date last active '' that is being reported on this account. It is inconsistent on all three of my credit report files. I have uploaded and attached all of the documents needed to support my claim along with this complaint.

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 2024-01-02 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: CA

Complaint narrative:
I have carefully reviewed my credit report profile, and I believe that the information reported by your bureau has failed to maintain reasonable procedures to assure the maximum possible accuracy, as mandated by credit reporting laws. The following information requires immediate reinvestigation, as it is entirely inaccurate and incomplete. I respectfully request that you provide proof of the alleged items, including the contract, note, or any other instrument bearing my signature. In the absence of such documentation, I insist that the items be promptly deleted from my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. The inaccurate items in question are as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. In accordance with FCRA 15 USC 1681, I expect your bureau to take every necessary step to assure the accuracy and correctness of the information reported in my credit profile. Furthermore, I request that corrected credit profiles be supplied to all creditors who have received a copy within the last 6 months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I applied for XXXX in XX/XX/XXXX. Only one of my 3 loans was eligible for it ( a subsidized XXXX XXXX, disbursed in XX/XX/XXXX ). My application was approved in XX/XX/XXXX, giving me a monthly payment of {$200.00} on this loan. Barely two weeks later, I got another email from Aidvantage saying that my loan terms had changed, and my monthly payment on my SAVE-eligible loan was now {$770.00}. Please find attached the pdf correspondence from Aidvantage documenting this timeline of events. 

I am a model debtor : Ive never been in default over the life of my loan. I have excellent credit. I just got engaged and am trying to save up for my wedding, and a total monthly payment of over {$900.00} would make that impossible for me. I applied for the XXXX program because it was supposed to lower my monthly payment, not increase it by over 700 %! 

If I may speculate, it appears to me as though Aidvantage deliberately shortened that loans payback time, so that I would have to pay it off quicker, thereby raising my monthly payment. Is that even legal? While its true that paying off any of my loans faster technically saves me money in the long run, I did not agree to those terms, ever. My other 2 loans are stafford unsubsidized, and according to Aidvantage, they are scheduled to be paid off in XXXX ( see pdfs labeled " stafford '' as documentation ). The loan thats the subject of complaint is currently scheduled to be paid off at the end of XXXX! 

I have the following questions : XXXX. Why did the payment due date change from XXXX, to XXXX, to back to XXXX? 
XXXX. Why did my payment jump from {$200.00} to {$770.00}? 
XXXX. How can this be remedied? 
XXXX. Finally, is it advisable to refuse to pay Aidvantage until my complaint is addressed? I do not wish to accidentally agree to a monthly payment of {$770.00} by paying my other loans. 

Im very upset. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: WA

Complaint narrative:
Company LVNV Funding LLC is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I noted charges I did not authorize to merchant, XXXX XXXX. I contacted XXXX XXXX and was told to dispute through my credit card company. 

I called Ally Bank and was told I would receive a credit for the charges by XX/XX/XXXX. No credit has been applied and everytime I call Ally XXXX told a different story. The purchases are {$180.00} and two {$40.00} transactions. Ive also sent a certified letter to Ally disputing the charges per the Fair Credit Reporting Act. I received a letter from Ally stating the charges never posted to the account. I called Ally and was told the letter was an error. I was told that Ally submitted the dispute to the wrong department initially, told it was at the right department, tons of excuses. Im kept on hold for 30+ minutes during each call.

I contacted Ally multiple times since the XXXX when I noted the credit was not applied. Ive been told a different story everytime I called. Ive been promised a call by the supervisor and no call has been received.

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 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolia Recovery is a fraudulent account reporting collections to my credit report for the amount of {$500.00} reported on XX/XX/23. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I have been trying to login to my account since XX/XX/2023, and the website keeps saying that it does not recognize my account number/social security number. I want to login so I can set up autopay with my checking account, so I don't have to mail them a check. 

I missed my first payment because I thought I was easily going to be able to register on the site before the due date. No information whatsoever has been sent to me via mail if I have been charged a penalty. 

They have an automated phone system, but when they say they will connect you with a customer service rep, they never pick up. I have waited XXXX hours with my phone sitting on my desk, still no answer. I work full time, and can't sit on the phone all day and wait. 

Also, the website also has no email address or contact form available. 

All I want is for someone from customer service to call or email me to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: MI

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. 


I told Equifax to reinvestigate these accounts : 1. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account Type : Credit Card 4. Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account Type : Mortgage XXXX. Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account Type : Auto Loan However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I do not recognize the credit inquires below and I have asked for these inquires to be removed, but they were not removed by the credit bureaus. I am requesting that they be removed, because they are inaccurate and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I do not recognize the credit inquires below and I have asked for these inquires to be removed, but they were not removed by the credit bureaus. I am requesting that they be removed, because they are inaccurate and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
This company has no regards to following rules pertaining to fair debt collection practices. They've repeatedly called my phone non stop for months extending the maximum frequency of no more than 7 times in a XXXX consecutive period. I've done enough reading to know that it is a misdemeanor crime. They use multiple different phone numbers and it's stressed me out to the point it's felt like an impending doom lurking over my head. I have screenshots of the amount of phone calls and will submit proof. I've had XXXX calls, not including text messages and emails since just XX/XX/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 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank Delaware authorized XXXX XXXX XXXX XXXX with their intent to sue me over alleged credit card debt in the amount of {$5700.00}. This letter, dated XXXX from this law firm, took me completely off-guard, and has lead to extreme XXXX XXXX XXXXXXXX since receiving. This debt has been on my credit report and reported as charged off by Barclays. If one was to look at my credit report, you would see that I have " Excellent '' credit, aside from this one erroneous blemish that Barclays and XXXX are determined to falsely report. This has affected me emotionally and psychologically, and has led to XXXX XXXX XXXX XXXX XXXX XXXX. Coupled with my entire industry being shut down for months due to strikes, with no earning potential or job prospects, and a potential law suit being hung over my head out of the blue, it has been a very difficult time for me and 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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I got a loan for my truck with XXXX and they havent reported a payment since over a year ago. I also have late payments that are not true on my 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 non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: CA

Complaint narrative:
I opened an account with Laurelroad. I can not access my account online repeatedly. I can not reach Laurelroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I've live in XXXXXXXX XXXX  for over 20 years, I never seen, visited, or moved to XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. This address has been reporting on my credit reports for over XXXX years ruin my XXXX XXXX, with XXXX separate companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX essentials XXXX ) XXXX XXXX XXXX XXXX XXXX phone ) service. I sent letters, called the company, and contacted Trans Union about this,. In connection with the XXXX XXXXXXXX data breach which I am involved in currently,. Please remove these specific errors from my file and time line data breach associated with errors. All XXXX of my address is in XXXX state, why would it make sense to have a second address at the same time I live & work in another state, I information was stolen, I keep asking the for the same thing year after year. Remove all negatives during the 3 year data breach.

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 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I noticed that I had a collection from Central Portfolio Control for an amount of {$150.00}. I have never interacted with, done business with, or signed any paperwork with this company. I am not liable for this debt with Cental Portfolio Control, as I've stated, I do not have a contract with them. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX was reported as collections to my credit reports due to identy theft. 
for the amount of {$2600.00} reported on XX/XX/22. I never signed a wet contractual contract with this company nor have an opened account with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of identity theft on two Bank of America credit cards ; one was a VISA and the other was a Mastercard for small business. 

For the VISA, I reported the fraudulent transactions to Bank of America. The agent advised me to destroy the credit card and that they would send a new card to me. When I went into my wallet, I found that the card was gone and had been stolen. I reported this to the agent, and the fraudulent charges were credited back to my account on XXXX in the amount of {$3400.00}. However, on XX/XX/ the fraudulent charges in the amount of {$2900.00} were added right back into my account! 

For the MasterCard for small business, I reported the fraudulent transactions to Bank of America. The agent advised me to destroy the credit card and that they would send a new card to me. When I went into my wallet, I found that the card was gone and had been stolen. I reported this to the agent, and the fraudulent charges were credited back to my account on XX/XX/ in the amount of {$4700.00}. However, on XXXX, the fraudulent charges were reversed right back into my account! 

I am refusing to pay these fraudulent charges, and understand that the VISA and MasterCard products expressly state that customers are not liable for fraudulent charges. Why, then, does Bank of America continue to blame me, the victim of the fraud, for these charges? This bank is absolutely horrible, and even though I have been with them for 35 years and am now a " Gold '' status member, I am looking to leave as soon as I get these fraudulent charges fixed. Shame on you, Bank of America!

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