vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended a school in XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX! I got my XXXX in graphic design, upon which completing they garaunteed career placement for life. I even spoke to the counselor before applying for XXXX $ in student loans!! They again assured me that before graduation I would already be placed in the field in the internship and then with payment. My internship ended due to them having no business I graduated with the highest gpa at the school national honors society. The counselor prints out the XXXX wanted adds for the day circles 3 positions making {$8.00} per hour or less and having nothing to do with the field of study lawn mowing and fast food!!!! Now Im a XXXX XXXX still and this school closed down shortly after now I still cant afford to pay this loan and survive with my XXXX  Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I paid off my loan with TD Auto Finance at the end of XX/XX/XXXX and I have yet to receive the title for my vehicle. I reached out back in XX/XX/XXXX and they said they sent my title to a car dealership and I would have to contact the car dealership and have them send back the title. I reached out to the car dealership and they had no records of my title. I again called TD auto finance and they said they would have to send me a waiver of XXXX lease. After several weeks I had received nothing. I followed up once again and they said I would have to obtain a letter from the car dealership they claim they had sent the title to stating they had no interest in the vehicle. Fast forward a few more weeks and it is now XX/XX/XXXX and I don't have a title or a lien release waiver. After several months, several phone calls, and conversations with the dealership, I don't know what else to do to get my title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I was two months behind on my vehicle loan due to my family catching COVID and me being out of work over a month. On XX/XX/XXXX I created a catch up plan ( as they call it ) with Ally Financial. The email that they sent stated, Once complete, you will return to your regular monthly payment schedule. I paid the 4 payments of {$830.00} ( the amount set by them ), each month on the due date agreed upon. My last payment was made XX/XX/XXXX. They are saying I am still behind on my auto loan. I owe for XXXX and all of the late fees that were continuing to be charged during that time, so they were not figured into my repayment. Ultimately I have successfully completed my part of this repayment plan and I am still behind. I feel all missed payments and fees I was being charged should have been figured in to my catch up payments, so that at the end I was indeed caught up like they stated in their email that I would be. These practices by them are predatory and misleading. They are now asking me to make another payment for XXXX. I stated several times to the customer service person that I wanted to file a formal complaint with them and that it should not be called a catch up plan if Im fact you are not caught up at the end.

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 monetary relief
Consumer complaint received 2023-01-10 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Equifax Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with Equifax CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After checking my XXXX and Experian reports, it shows that i have a XXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.

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 2023-01-10 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: FL

Complaint narrative:
Multiple fraudulent inquiries are reporting on my credit report. 

XXXX XXXX XXXX XXXX  -TransUnion XXXX XXXX XXXX XXXX TransUnion

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 2023-01-10 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have auto-pay set up with XXXX for XXXX XXXX of each month. I made an extra payment in XXXX when I was alerted by XXXX of a credit decrease of XXXX points due to being over my credit limit. No alert or warning prior too. So, I called XXXX and made an extreme payment of {$100.00}. They didnt take out my auto-payment for XXXX on the XXXX of the month causing an over- credit limit of {$18.00} and my XXXX XXXX dropped XXXX points and so I made another extra payment of {$100.00} and my XXXX XXXX or dispute remains the same. Not fair! No alert again and they neglected to take out my auto pay affecting my XXXX XXXX. Its appearing that this is purposely being done. Help! Thank you!

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 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
There is an adverse information being reported to my consumer report by sunrise credit services Inc. this adverse information is causing the financial harm as well as physical harm do to the fact I suffer from XXXX which is brought on by XXXX. I have attempted to contact sunrise credit services verbally and asked that they remove the erroneous data from my consumer report. I have drafted an affidavit of truth and create an invoice and label several US code in fractions That have been violated and sent it via certified US mail.

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 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
I paid my debt to XXXX XXXX in XXXX to XXXX. I called them and verified that all debts were paid. Balanced Healthcare receivables XXXX XXXX XXXX XXXX XXXX sent XXXX claims stating a balance due to collections. When contacting the hospital they are saying that I did not owe anything. Notified the collections company. I feel this is fraud by either the hospital working with the collections companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to Experian, XXXX XXXX XXXX on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this complaint is on TransUnion XXXX and XXXX in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

Trnsunion results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX XXXX provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

XXXX results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the Payment History on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from XXXX on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of XXXX deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with NO DATA -INCOMPELTE closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
this complaint is on XXXX XXXX and Equifax in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

XXXX results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX XXXX provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

XXXX results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the Payment History on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from Equifax on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of XXXX deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with NO DATA -INCOMPELTE closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened a checking account with Chime on XX/XX/2022 and updated my job to have my paycheck direct deposited into this account. On XX/XX/2022 my account was closed immediately without giving a specific reason. After hours of calling and talking to multiple people from chimes member services they could not give me a specific reasoning why my account was closed and could only tell me that I must of violated one of their agreements. I was only able to have one paycheck deposited into this account before it was closed for the amount of XXXX, because of opening the account I was given a free {$15.00} from chime as well as a free {$100.00} because I used direct deposit and it was their bonus. On XX/XX/2022 I initiated a transfer from my chase checking account of XXXX dollars to be sent to my chime checking account and it was to arrive on XX/XX/2022 to that account. Since my account was closed on the XX/XX/2022 I have lost access to any of my funds in the account and have already sent document to chime to prove my identity but they have not gotten back to me and have made no effort to assure me that my funds will be returned to me. I need assistance contacting this company and have my funds returned to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I purchased the vehicle in XXXX with Credit Acceptance being the finance company then covid happened so I was on the covid relief program but when it ended I was still struggling so I wasn't able to pay they came and repossessed the vehicle they sent out a letter saying it was sold and that was in XXXX and now it's XXXX they're trying to garnish my wages this doesn't seem right and the amount they said I owe is not the same as the paperwork I received can you please help me...

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have had this card for 3 years now. At the time I applied I was only eligible for a secured card with a {$200.00} limit. They advertise that after 6 months of good payment history they will give you a unsecured card with a higher limit. I have requested a credit limit increase many times, and to be given an unsecured card. I continue to get denied and told they will review it and increase it automatically. In 3 years with a great payment history they still have not given me an unsecured card, raise my limit, or allow me to apply for an unsecured card because I already have a secured card. I also have a Capital One Walmart unsecured card that has only a {$300.00} credit limit, also had it for years with an excellent payment history, but again, no credit increases. I have literally only had 3 payments that were just a couple of days late in the whole 3 years, and they were due to a mistake, not failure to pay. I have had a checking account with them for 4 years and get regular weekly direct deposits from my paychecks. So they don't even need to verify my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
To whom it may concern : On XXXX  XX/XX/22 I fell victim to a very detailed and elaborate online banking scam using my Bank of America online account and the XXXX transfer app. I was contacted by an impostor claiming to be a Bank of America representative calling from the corporate office. Very believable since they called from the XXXX number used by Bank of America. He gave me my debit card number ( also reassured me this was real ) saying that they stopped a theft of {$540.00} at a XXXX in XXXX Texas while confirming my current address in XXXX XXXX XXXX  Stating they will be sending me a new debit card. Then saying there was a pending transaction in my savings account of {$3500.00} that they needed my assistance to stop. They gave me my current savings account balance, then said I needed to make a XXXX money transfer using my bank account app. The transfer was for {$3500.00} using XXXX being sent to myself. Heres where I missed the key to the scam. They then gave me a jumbled up version of my own name as the recipient to transfer the funds to. Once I did that the money was gone but I didnt notice until the following day. They explained that I should not use the bank app for 24 hours because it would impede there investigations into my account while they searched for the I.P. address of the offender. All while they are the offender!! I eventually called the bank fraud department only to find out its a familiar scam to the bank. To my horror then to find out the bank will not help or protect me. Since XXXX is a 3rd party app and has no protection of its own my money is gone for good! As I sit here typing and still shaking since this is money Im living off of since being on unemployment. Also, waiting to be put on the XXXX XXXX  list. Bank of America stated that they would look into this but I wouldnt be getting my money back. But theyd contact me with any information on the investigation but it could be up to 45 days before hearing from them. 
Bank of America refused to refund my money to my bank savings account. I filed a police report that was advised by Bank of America 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 2023-01-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
this company is causing me stress and hardship of the illegal practices they are reporting on my consumer report on XX/XX/2022 XX/XX/2022 and XXXX XXXX so i am DEMANDING you to remove these illegal late payments under 15 U.S CODE 1666b ( correction of billing error ) you are illegally reporting transaction on my consumer report without my consent per law 15 US Code 1681b ( you need my permission to report on my consumer report ) which i didnt give you guys.

Company response to consumer: Closed with explanation