vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Allied financial keeps calling me about a neighbor of mine who I hardly know. They are now calling one of my employees several times who doesn't know him at all and asking to have me call them.

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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have an account with Citibank and use XXXX to transfer money between myself and my son at another bank. I was shocked when, without notice, Citibank froze my account without contacting me. When I called, they could not explain why the account was frozen and they have informed me that they are closing my account without any explanation. Now I cant receive my paycheck this week and I am being harmed financially. This is unconscionable and a completely unfair banking practice that should be investigated.

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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I awoke to an email from CapitalOne stating that my account ending in # XXXX was restricted due to an SBA request for the EIDL amount. I contacted SBA prior to contacting CapitalOne & they knew of no restriction at that time. The amount was approximately {$71000.00}, so hardly chump change to most people ; however, not once did either of your customer service points along the way show any empathy for the gravity of the amount of situation. After a very long hold, I received XXXX who preceded to interrogate me & have me beg for my funds. I dont need to give my detailed account because the call was recorded ; however as was stated in my complaints, XXXX uses his position of authority to bully people & this is unacceptable. Im still awaiting resolution from SBA or CapitalOne currently ; however, thats not the point of this letter / complaint. There is no excuse for bullying behavior at any time & especially with your customers. As a successful small business for 19 years, I understand the value of a customer & customer service. XXXX supervisor, XXXX, could also be reminded of that in my opinion. This letter & complaint is not just for me, but for all the other small businesss & clients XXXX, XXXX & your company bully and stall.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened an account online with SunTrust Bank, received my debit card and used the account and without notice it was closed. Mind you, in between time, I opened an account for my business as well which they sent me checks for and then closed! I was told it was because of rules and regulations. That was it! No letter received or anything else. One person said it was because of fraud and I needed to go into the branch. Well I did that yesterday ( XX/XX/21 ) but today I was told when I called to check on the status that it was in the process of being closed. What the heck! I don't owe SunTrust any money, my credit is good, I have employment and a business and I am a former employee! I am a XXXX year old XXXX woman and highly offended! This feels like discrimination!!

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 2021-05-13 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: TN

Complaint narrative:
I have submitted disputes to experian two times, and I have provided them with everything they have requested ( police report, drivers licenses, passport, insurance bill ). Experian will not remove this fraudaulent account from my credit report. This is very frustrating and is a inconvience to me. Experian is reporting inaccurate information and they need to be held accountable.

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 2021-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XX/XX/XXXX - used preapproval offer to make credit application- Net credit does hard inquirey XX/XX/XXXX - received email saying work verification documents required XX/XX/XXXX - sent all required documents XX/XX/XXXX - NetCredit withdrew my application because I didnt send documents on time. 
XX/XX/XXXX - started another application on advice of NetCredit customer rep. 
XX/XX/XXXX - sent required documents XX/XX/XXXX - NetCredit withdrew application because didnt have documents in time. 

Please stop NetCredit from providing credit services. They are wrongfully using my credit information without giving me an approval or disapproval letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
FILED A DISPUTE ON XX/XX/XXXX CREDIT AGENCY STILL HAS NOT FINISHED THEIR INVESTIGATION WHICH PER THE FAIR CREDIT REPORTING ACT, SECTION 611 ( A ) ( 5 ) IF YOU CAN NOT VERIFY THE INFORMATION WITHIN THE 30 DAY TIME FRAME YOU MUST DELETE ALL THE DISPUTED AND UNVERIFIED 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 2021-05-13 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: Academy Mortgage Corporation
State: UT

Complaint narrative:
Academy Mortgage is reporting inaccurate late notations on my credit file. I disputed some lates that were on my credit but Academy Mortgage kept verifying them. I was in forbearance due to Covid, and I was reassured that I would not have any late notations on my credit file. However, there are 3 lates for 2020 and like I said I was under forbearance. I was having a very difficult time because of Covid and the pay cut I took when my employer decided to cut hours. I have been working very hard to make my payments on time but got in forbearance just to be safe. I ask that Academy Mortgage please remove the late notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/21, I reviewed my credit report and became aware that I have been a victim of identity theft. There are several fraudulent accounts on my credit report and I submitted the documentation to each credit bureau ( XXXX, XXXX and experian ) to correct the fraudulent accounts on XX/XX/21. I mailed in a certified letter, signed and a FTC Identity Theft Affidavit to have the fraudulent item ( s ) removed. According the the Fair Credit Reporting Act, Section 611, I have to allow 30 business days for the investigation and then wait for a response. Today is XX/XX/21 and I can see XXXX has deleted the fraudulent account however, XXXX and Experian have not. I have not been notified by mail from either Experian or XXXX of their investigation and it is clearly longer than the 30 business days as of today. The tracking number for Experian is : USPS : XXXX, Delivered XX/XX/21 and the tracking number for XXXX is USPS : XXXX, Delivered XX/XX/21. I have spent over {$500.00} of my time is mailing disputes and having to take off of work to take care of this matter. I am not submitting a formal complaint to get the expedited help I need to correct this and to also help me so I can take a loan out due to the world wide pandemic.

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 2021-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Over the course of the last week, my credit score dropped 66 points on Equifax. The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at Equifax. He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Carvana Group, LLC
State: VA

Complaint narrative:
I purchased my car on XX/XX/XXXX with cash from Carvana. I received my registration for the car XX/XX/XXXX. I have not received my title and today is XX/XX/XXXX. 

I have contacted the company multiple times between XXXX and now to let them know I urgently need my title because I am now planning to move out of state but they have still not provided me with my car title. This is now affecting my ability to register my car in my new state, affects my residency status, as well as my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted Transunion and XXXX  which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or Transunion but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. XXXX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. XXXX  has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. XXXX  has also not given me a security freeze.

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 2021-05-13 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: FL

Complaint narrative:
I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted XXXX  and Equifax which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or XXXX  but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. EQUIFAX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. Equifax has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. Equifax has also not given me a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: AZ

Complaint narrative:
I'm XXXX I requested my statement mailed to me as i didnt have online access and my balance didn't add up. When i received the statement I immediately filed a dispute with card.com to let them know I didnt nake the transaction of over XXXX $ on XX/XX/XXXX. I filled out there form and I guess it was not done correctly. When entered into their system even though I included an explanation with the form. I had just been patiently waiting.. Knowing that my agreement with the company stated i would receive the credit in 10 business days if the investigation was still on going. Around XX/XX/XXXX I had used a promotional offered to me of a free night at a casino resort. The required a deposit I was promised to get at checkout. That didn't come back to me. I got all required and requested information that I could obtain from several employees receptionists managers snd supervisiors. This info was faxed emailed and upload it to my account. When I called the customer service I realized. They still hadn't fixed my dispute. When I ask customer service agent for an update they told me that I would not be receiving a provisional credit because I didn't qualify for some reason. A question of dispute team about my agreement that stated I would get the credit and again they could not give me a reason. For 4 days I attempted to contact somebody who could give me some type of answer but only received rude responses and false hope of somebody calling back. So I feel they are breaking the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had taken out 3 loans with Ally lending. They sent me detailed communication on how to enroll the first loan account ( XXXX XXXX XXXX XXXX ), but I received no communication on how to enroll the other two accounts. I did not even receive the account numbers for the two accounts.

I started receiving text messages that my payment was overdue. None of the text messages mentioned on which account was my payment overdue. When I logged into their system, I could see only 1 account and the payments were being made on time. Which confused me. I started receiving more texts. 

I then had to call customer care on XX/XX/2021 to find out the other account details, enroll them and then pay the loans off. The account representative 's user name is XXXX. 

In summary, while I received detailed email instructions on how to setup payment for the first account, I did not receive any communication for the other two accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom this may concern, Yesterday, at approximately XXXX I called Chase to ask for some help to lower my payments and if possible lower my interest rate. I told them I am an XXXX XXXX XXXX and was about to spend the next three years NON-Deployable and I wanted to get aggressive on paying off my credit card. I explained to them that lowering my payment or lowering my interest rate would really help me during these hard times. I also explain to them that my wife had her hours drastically reduced due to COVID. After spending 1 hour and 20 minutes on the phone I was told that they could not do anything to help. They could not lower my payment or lower my interest rate. At one point a representative told me " that's why you need to look at the APR before getting a card ''. The first representative I talked to told me they had to send me to collections. I explained to collections " I have never missed a payment in over 8 years, I do not want to close my account just would really need help ''. He said " oh okay let me transfer you to customer assistance they have programs they can help you with ''. When I spoke to customer assistance and I mentioned I was XXXX XXXX, she said " I'm going to have to stop you right there, since you said you were XXXX XXXX I cant help you, only our Military team can help you ''. When I spoke to the XXXX XXXX team they tried to see if I was eligible for the Service Member Relief Act, but I wasn't. That is when I was sent to the last representative who told me " I do this everyday, people call everyday to see if we can lower their payment or their interest rate, we can not do anything to help you, I am sorry. That is why you need to look at the APR before getting a credit card ''. 

I am filing this complaint because as a consumer who has never missed a payment in all my time having responsibilities they told me they could not help. Nothing at all. I pleaded with them to help me due my circumstances and they did not. They even told me, " but if you want to make your monthly payment, I can help you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
FILED A DISPUTE ON XX/XX/XXXX CREDIT AGENCY STILL HAS NOT FINISHED THEIR INVESTIGATION WHICH PER THE FAIR CREDIT REPORTING ACT, SECTION 611 ( A ) ( 5 ) IF YOU CAN NOT VERIFY THE INFORMATION WITHIN THE 30 DAY TIME FRAME YOU MUST DELETE ALL THE DISPUTED AND UNVERIFIED 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 2021-05-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
FILED A DISPUTE ON XX/XX/XXXX CREDIT AGENCY STILL HAS NOT FINISHED THEIR INVESTIGATION WHICH PER THE FAIR CREDIT REPORTING ACT, SECTION 611 ( A ) ( 5 ) IF YOU CAN NOT VERIFY THE INFORMATION WITHIN THE 30 DAY TIME FRAME YOU MUST DELETE ALL THE DISPUTED AND UNVERIFIED ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Hello, I reviewed a current copy of my early warning report and show incomplete or Innacurate information to report. I have been working hard to have report update for good cause and have not been successful with banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation