vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I pulled a report from Transunion in XXXX and I though I was being charged a one-time fee. Instead Transunion sneakily enrolled me in a subscription, of which I had no idea or memory of signing up for. Transunion does not send monthly emails when a payment is made. No receipts, no notification, that I was being charged every month. If you log into their account, there is no clear indication that you've signed up for a subscription. I looked through these options, 'My profile, ' 'my account, ' 'Payments, ' 'billings. ' None of these options have so much as a note about me being subscribed to their services. If the information is nestled somewhere that is not obviously available to the customer, it is a clear indication that the company is trying to trick you into paying for something they did not completely inform you of. 

Every company I have a subscription with, will send me an email notifications every month when you are charged for the subscription. Transunion does not. Nothing on my account page with this company, tells me that I have a subscription. Where is this information and why is it not easy to find it? What is the reason that Transunion is making this information so hard to find? This is an unscrupulous tactic to dupe poor consumers. 

Really Transunions? You have all the big banks in the country paying you money for your services and you want to cheat poor people out of a monthly charge. THIS IS XXXX. 

They also don't have a complaints department. When I talked to the customer service agent on the phone, she told me they don't have any such services where I can lodge my grievance. How is that possible? FOR A COMPANY THAT DEALS WITH PEOPLE 's MOST SENSITIVE INFORMATION, YOU ARE EXTREMELY deceitful! I want my money back. This is absolutely wrong.

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 2021-10-15 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Auto loan XXXX initiated contract date XX/XX/XXXX was paid in full as agreed in the amount of {$15000.00} on XX/XX/XXXX prior to the 72 mos contract date. Ally was initially contacted on XX/XX/XXXX and was told we had to wait until the payment cleared on XX/XX/XXXX for it to be removed from credit report. I called back on XX/XX/XXXX and was advised that i missed the XXXX reporting of XXXX but that it would be sent XXXX to all credit bureaus and not to dispute the account or balance. I called on XXXX and was told that it was sent on XXXX. I checked with all 3 credit bureaus on XXXX and was told nothing was received and that creditors send monthly reporting in electronically and it would hit their system in " real time '' and show on my report. i contacted ally again on XXXX and asked to speak with a manager after I was told I would have to wait until the end of the month for it to be reported. The manager apologized and said she could send me a paid in full letter and creditor letter via email- i received the paid in full but was unable to view the creditor letter. She also said she would send a request over to their credit reporting team to see if there was an issue and follow up with me. I called back XX/XX/XXXX after I checked with the credit bureaus and was told XXXX received the account was paid in full as agreed but XXXX and XXXX had not received notifications since XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I was told by Rep XXXX I needed to wait until XXXX for Ally to send notifications to those credit bureaus and that she saw the request from XXXX sent by the manager and that there was an update done XX/XX/XXXX. 
I asked to speak with a manager and was transferred to XXXX who said the she would send an updated request to the credit reporting team but that it could take up to 45 days for them to review and resolve. At this point, I have submitted disputes with the credit bureaus and included supporting documentation and was told the company is not responding. I am submitting a complaint to XXXX and CFPB as I believe the company is intentionally misrepresenting my credit account with them and are violating credit reporting guidelines indicating there is a balance owed. As indicated, I have reached out to the company numerous times and have received no resolution within the appropriate time frame and am being penalized for paying my account off early prior to accumulating high interest charges.

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 2021-10-15 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: PA

Complaint narrative:
I have fill a unauthorized payment dispute I still havent hear back from yall by email or still havent got no refund yet here is the dispute information again 1. What is your legal name, XXXX XXXXXXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, ally financial has been aware of this incident since 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 explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I NEVER DID THIS. AND I'VE CONTACTED THEM AND NCA AND THEY WON'T STOP MAKING THREATING PHONE CALLS..NCA THREATENED TO BURN DOWN MY PLACE SAYS THEY DON'T CARE ABOUT IDENTITY THEFTED... I was paying this now r with my life. 
ATTACHED IS IDENTITY THEFTED LETTER TO THEM. NOT CARING THEY SAID..I WILL PAY R I WILL PAY WITH MY LIFE... THEY THREATENED TO HURT ME THE NCA...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX Today I write to you about the abusive powers of customer service agent, What I speak of is not a horror story but yet a real life occurrence for procedural neglect. 

I purchased a new phone when my credit score was XXXX. 
A {$640.00} phone with a {$85.00} a month contractual agreement based n the fact that per the news channel my current Phone provider was experiencing satellite problems and 90 percent of my business is phone and internet based. 
A clever trap or castrated by time and monetary discrepancies. 

So in XXXX I plunged into a new contract with all the intentions of creating a better credit score upon completion. 
I was told by the agent on hand that the equipment could be returned in 14days if I was unsatisfied. 

Believe it or not, once activated the XXXX XXXX phone actually locked itselfA security feature that left me locked out. 
No incoming or outgoing calls so very strange. 

First Incursion When I took it back to the dealer, I was told that the unlock code was something that only XXXX XXXX could help me with. That he could not help me even though I just purchased the XXXX XXXX days ago. 

Second Incursion By the second visit I was a little spooked..When I approached the customer service agent he stated that there was a {$55.00} restocking fee, I agreed but was then told to wait as he recanted the statement after he spoke to the other agent .I was then told that I could not return the {$640.00} phone even though it was within the fourteenth day time period, and that I could not get a new one even though the old one was defective. Wow, what a combative customer service environment. I asked to speak with the manager and he told me he was the manager A guy by the name of XXXX..at least that is what his name tag said. 

Third Incursion By this point it was all customer service on the phone..where they told me to take the phone back to the store. Upon diagnostic of the phone they still could not decipher the code. 

Being a business identity I have sent this information as a prelude to sue.. 

This phone is used for my business and was purchased an listed as a business entity. 

XXXX XXXX XXXX XXXX As a sole proprietorship ... my business is suffering based on recent credit denials. 

Please listen to the following recording.

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 2021-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: MS

Complaint narrative:
I contacted Village Capital on XX/XX/2021. I requested that my escrow refund be mailed to me immediately since I had refinanced this home loan and it had also been funded. 

The representative said it would take at least 30 days to receive my escrow refund and that the escrow refund would go to the new lender. 

My new mortgage lender does not hold the NOTE on this loan and stated that the escrow refund would go to me. 

Escrow Refund Amount {$2100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank is my bank for all my financial needs. I have 2 checking accounts, several savings accounts and my first and home equity mortgages as well. I have been a dedicated customer for 23 years. On XX/XX/2021, I transferred {$10000.00} to my checking account from my savings, to make a {$10000.00} payment toward my home equity loan scheduled for XX/XX/XXXX. On XX/XX/XXXX, Citizens One, who handles my home equity loan took 2 {$10000.00} payments instead of one. This created a snowball effect with my checking account, activating my {$2000.00} overdraft protection, and charging {$37.00} per check for other checks that have since cleared ( I see that they have credited my account for 2 fees for a total of {$74.00}. ) I called Citizens One, and they told me they found the error in duplicate payments, and assigned a case number # XXXX. They told me it would take 3 -4 business days to get my money back!! This is a ridiculous solution, as all transactions were done through the same bank..Citizens!!! I tried to access my other accounts through my debit card, and although I still have over {$42000.00} in my savings account, the bank would not let me access my funds, because of the huge overdraft!! I called customer service again in regards to my checking account, and the representative suggested I deposit {$2000.00} for my overdraft protection, so that my other pending checks would be covered, as Citizens Bank refused to rectify my account sooner. ( Their mistake made my account over {$5000.00} overdrawn!! ) This is not just a mistake, it is grand larceny!! I am furious, and more than inconvenienced. I have a contractor doing work in my home and wants to get paid in cash!! This mistake has cost me in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TN

Complaint narrative:
Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$2400.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$350.00} This is a formal complaint against all three credit bureaus, ( XXXX, Equifax, and XXXX ) located in XXXX XXXX XXXX XXXX, TX XXXX ( Equifax ), XXXX XXXX XXXX  XXXX, PA XXXX - XXXX  ( XXXX ), XXXX XXXX XXXX XXXX, GA XXXX ( Equifax ) . This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, Equifax, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CA

Complaint narrative:
Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, XXXX XXXX  has been aware of this incident since 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 explanation
Consumer complaint received 2021-10-15 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: CA

Complaint narrative:
Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, XXXX XXXX  has been aware of this incident since 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 explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had applied for a Lease Buyout Loan from PNC Bank online on Thursday, XX/XX/XXXX and had to go to my local PNC branch on Friday, XX/XX/XXXX to complete the loan closing paperwork. The original loan was for the amount of {$29000.00} and a check to payoff the existing lease was to be mailed out overnight once the paperwork was completed by PNC Bank. 

Several weeks went by and I contacted the leasing company and they confirmed that the payoff check has not arrived. After speaking to XXXX XXXX at the PNC Branch, said that the check was sent via regular mail and not overnight, as the original PNC Loan information asked for an " Overnight Address '' to send the check. She had me sign an indemnification form before they would issue a new check, and a new check was to be overnighted again on Thursday XX/XX/XXXX. 

In contacting the leasing company, XXXX XXXX, the new check was received Friday, XX/XX/XXXX. However, between Friday XX/XX/XXXX and Friday XX/XX/XXXX, 3 weeks, I incurred interest charges on the auto loan in upwards of {$150.00} dollars, while I was not at fault as PNC was handling the payoff of the existing lease to transfer it to a PNC Loan. 

I have been emailing the local branch, calling their customer support number, and receive weekly calls every Friday between XXXX and XXXX XXXX with the representative stating they are still looking into the issue. I feel that this issue should have been resolved as it has been several months now, and nobody is making any progress on it. I feel that if the check got lost in the mail and a new one had to be reissued, and a paper had to be signed by me before reissuing a new check, that I should not be responsible for those interest charges when it was at the fault of PNC bank. 

The new check was received by XXXX XXXX on Friday XX/XX/XXXX and they released the title to PNC bank the following Monday, XX/XX/XXXX. I would find it acceptable to start charging the customer interest once the check was mailed or arrived, not while it was lost in limbo for 3 weeks. If they had given me the money to pay the lease off up front, then yes, I would find it acceptable to charge me interest, but PNC handled all of this on their end. 

I have spoke to several customer service representatives throughout the past few months and this issue is still not resolved. 

I have since traded my vehicle in as I ordered a new vehicle, so this loan should technically be paid off by the dealership at this point, or soon to be, so I should get an adjustment check back for the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I NEVER DID THIS. AND I'VE CONTACTED THEM AND XXXX AND THEY WON'T STOP MAKING THREATING PHONE CALLS..XXXX THREATENED TO BURN DOWN MY PLACE SAYS THEY DON'T CARE ABOUT IDENTITY THEFTED... I was paying this now r with my life. 
ATTACHED IS IDENTITY THEFTED LETTER TO THEM. NOT CARING THEY SAID..I WILL PAY R I WILL PAY WITH MY LIFE... THEY THREATENED TO HURT ME THE XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I was having problems balancing my checking acct. at XXXX XXXXXXXX XXXX. 
I went to XXXX XXXXXXXX XXXX for help. the XXXX XXXX XXXX finance audit team, investigated my checking acct. 
that investigation, resulted in GM fin. received two [ 2 ] checks from me. only posted one [ 1 ] to my acct. at GM fin. 

both of my checks were $ XXXX.the XXXX XXXX XXXXXXXX team , that found the fraudulent {$380.00} charge, advised me, not to make up for the {$380.00} they took from my checking acct. but did not post to my acct. at GM fin. 

I currently am receiving, 6 to 8 phone calls from GM fin. phone # XXXX. 
any asst. that your agency might render, would be appreciated. 

thanking you in advance XXXX XXXX

Company response to consumer: Closed with explanation