vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
If it were possible to give ZERO stars I would. Ally is the worst place to have a auto loan with. They are unreliable, untrustworthy, and have zero communication. First- Ally canceled my automatic payments on my car and then told my lawyer that my car was paid off. Which I knew was not the case. Anyways after that got resolved they said we owed late fees ( which is crazy since we couldn't get into the account because of something they did without our permission on their end ). So the car loan re-appeared. Which is fine because we still owned on it. For those 4 months that the account " disappeared '' they said we owed them late fees. Either way. The car is NOW paid off and has been since XX/XX/2019. They refuse to give us the title to my car because they are trying to charge us those late fees still even though the account has been closed out so we can even see what late fees that are referring too since it was them that made our account disappear for that period of time. We have been trying to contact them literally 100 times since XX/XX/2019. We have been transferred to all kinds of " Management '' if you want to call them that, with no response. They refuse to do anything to solve the problem. To make matters worse. They have a man named XXXX XXXX call every morning threatening us about the late fees. That we shouldn't even owe. Then XXXX XXXX hangs up on you every time you ask to speak with a manager. Now the so called managers name XXXX XXXX and XXXX XXXX refuse to call back or take any calls to resolve this matter. Also after looking over the contact that they send us it shows that they are in breach of contract due to the fact that they did not follow their own rules that states late payments would be added as more to your bill at every month or that the final amount would be taken out as a lower amount at the end of your lease. Which did happen, we made the final lesser payment which means it should be paid off. ( I have attached a picture below ). Now that the car is paid off, we have no access to the account and have to go off of the XXXX that they are saying. Again we have been dealing with this for almost a year now. This company is a joke! I wouldn't recommend to my worst enemy. I would rather pay more money and go with a good company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I had a checking account with Bank of America. On XX/XX/2018, I received a text message on my cell phone that there were some transactions in my checking account that were suspicious, So I contacted Bank of America Customer Service immediately and reported to them that all these charges were fraudulent I did not make those charges nor did I authorize them as I noticed these fraudulent charges in my Checking account when I logged on to my account. I always keep my debit card in my wallet with me, so there is no chance of anyone getting their hands on it without me knowing. When I reported these charges to BofA, the woman who I talked to didnt give me very clear information about what was going to happen, except she told me that she set up a claim for the charges. Therefore, I went to BofA in person to talk about where to go from there. I talked to a man named XXXX XXXX in a XXXX branch, who gave me some more information. I set up another claim on another fraudulent charge made to my account, and he told me that I would get temporary credit in about ten business days. After I waited about ten business days, I still got no temporary credit. Please look at the letter I wrote to BofA that is attached for details. I also went to a XXXX branch and spoke with XXXX XXXX multiple times who assured me that I would get credit for all the fraudulent charges which amounted initially to {$700.00} and to which were added more fraudulent charges even after the 2 claims were filed and finally they closed the account when the total fraudulent charges were over {$1100.00}. Then I also filed a police report with officer XXXX XXXX ( # XXXX ) at the local XXXX Police Department providing them with all details, a copy of which is also attached with the letter to BofA. 

I was not aware of the Consumer Financial Protection Bureau until recently when a friends father mentioned about it. So I am writing this letter requesting you to help resolve this issue. I am a student and it was my hard-earned money. I never expected such fraudulent activities could happen with Bank of America and that being such a big company they would not take any responsibility or accountability in this matter and not give my money back. 

I would greatly appreciate if you could help me get my money back from Bank of America. 

Thank you so very much. 

Sincerely, 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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am currently travelling overseas and Chase has locked online access to my bank accounts. I tried to call Chase to resolve the issue, but they refused to help me and said I need to come into a Chase branch to unlock the accounts. I can not come into a Chase branch, though, because I am out of the country and I will be overseas for at least two months. So I now have no access to my money while overseas and Chase refuses to help!

One representative at Chase said she would try to call me right back, but she did not call and when I tried to call Chase back, I received a recorded message saying they are closed for the day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: AES/PHEAA
State: TX

Complaint narrative:
I have received a XXXX XXXX XXXX XXXX discharge. Accounts are reflecting information that is negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: MI

Complaint narrative:
Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.

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 2020-01-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have received a XXXX and XXXX XXXX discharge. Accounts are reflecting information that is negative.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have received a XXXX and XXXX XXXX discharge. Accounts are reflecting information that is negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received a total and XXXX XXXX discharge. Accounts are reflecting information that is negative.

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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Boa last year. They opened my checking acct then cancelled in two days because of previous acct opened in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been awarded a permanent and total XXXX discharge for my student loans. However, my accounts reflect a negative status.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been awarded a permanent and total XXXX discharge for my student loans. However, my accounts reflect a negative status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been awarded a permanent and total XXXX discharge for my student loans. However, my accounts reflect a negative status.

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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo opened up two accounts in my name to different regions and they will not let me open up an account Ive got it right here Im gon na send it I just Ive never had an account with Wells Fargo and now I cant but Ive got proof that they did this they did this to a bunch of customers please take care this for 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 monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My education accounts still reflect a negative status despite being awarded a total and permanent XXXX discharge.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My education accounts still reflect a negative status despite being awarded a total and permanent disability discharge.

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 2020-01-15 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I noticed an unauthorized inquiry from Barclays Bank Delaware ( Brcylsbankde ) on XX/XX/2019, on my XXXX credit report. I have never applied nor gave permission to obtain my information to this institution. I have sent several letters to this company and no results. Please provide a bearing signature and application that was created with your company. I am a victim of identity fraud and have locked all of my credit files. Please remove this as soon as possible as it is harming 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 2020-01-15 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
There is an inquiry that has been placed on my credit report on XX/XX/2019 by Comenity Bank from COMENITY BANK/XXXX. I disputed this inquiry with the credit bureau ( XXXX ) asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if COMENITY BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that COMENITY BANK verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
There is an inquiry that has been placed on my credit report on XX/XX/2020 by Synchrony bank from SYNCB. I disputed this inquiry with the credit bureau XXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.

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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally bank placed a 6 month hold on my deposit check from selling my vehicle to XXXX. The check was for {$15000.00}. Ally made none of the funds available. They told me the hold was because of the size of the deposit. They told me the hold was because I had overdrafted twice. They told me that if I had deposited into my other ally bank account, there would have been no hold at all and I could have transferred the money over. They told me they would expedite the clearing. All of this is documented and verifiable. https : 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 2020-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One, XXXX, XXXX, XXXX XXXX XXXX XXXX accounts showing on my credit report were all placed in bankruptcy XXXXchapter 0n XX/XX/2018 and I was authorized user not. They should not be show on my credit report as still open and delinquent. Are Affecting my credit Score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: SC

Complaint narrative:
I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within your Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX accounts showing on my credit report were all placed in bankruptcy XXXXchapter 0n XX/XX/2018 and I was authorized user not. They should not be show on my credit report as still open and delinquent. Are Affecting my credit Score

Company response to consumer: Closed with non-monetary relief