vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
My account was hacked due to identity theft. I reported it to the financial institution while it was happening. They informed me the account would be investigated and " locked down '' while under investigation and I would be contacted for more information. I was never contacted, the account was only " locked down '' to me and additional funds were transferred out leaving a negative XXXX balance. Tried several attempts to escalate the investigation but was Never contacted and only received a form letter from USAA. The identity thief/hacker was able to steal over XXXX total. Subsequently my account has been closed and referred to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Ok so basically I depsitted a large amount of money in my chime account. Money came from the covid Assistance, my taxes, savings etc. pretty much it was my savings I previously had in my XXXX and felt it should be in a bank to be more secure. I started seeing emails from chime transactions alerts on my phone so I called reported the issue they gave me back what was stolen. Then I had the misfortune of losing my phone which had my banking app and pretty much my identity on the palm of their hands. I reported everything immediately and chime stood by while my account was being drained day in and day out. I was helpless to stop them because my info was changed. And chime closed my account after it was fully drained. Ive put in multiple disputes rebuttals and all get denied when I ask for the documentation on why my claims were being denied all they do is send me a list of transactions Im disputing. Ive called spoken to pretty much the whole company from disputes, new accounts dept, fraud, supervisors and all tell me they will send an email to the correct dept and for me to wait for a response from support @ chime. I wait I get a response and they tell me the exact same thing. Nothing. Just keep getting denied and when I ask for documentation on why they are denying my claim they send me what Im disputing basically nothing. I ask why they close my account and they say it does not comply with the user deposit agreement. I ask which part they say read the deposit agreement. I didnt do nothing wrong. I deposit my money and it gets stolen and they refuse to help me they just give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I used to have a COSTCO Citi card. They wanted to charge me for membership. I had already paid my membership in person. Yet they wanted to charge me again. When I refused to have them charge my account they kept assessing late fees. The current balance solely due to late fees is {$290.00}. They say that they can continue charging me. This has to be illegal!

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration with the persistent mishandling of my credit report by Equifax. The matter at hand involves numerous instances where my credit score has suffered due to unauthorized hard inquiries, particularly by XXXX XXXX, and subsequent inadequate corrections by Equifax. On XX/XX/, I was alerted by XXXX and XXXX XXXX about changes to my credit report. Investigation revealed an unauthorized hard pull by XXXX XXXX, an action I neither authorized nor initiated. Despite immediately reaching out to Equifax the response was shockingly insufficient. My credit score decreased significantly. After disputing this with an Equifax and providing XXXX XXXX 's reference number ( XXXX fraudulent application with notes stating : closed application ), my credit score with Equifax has remained unchanged with the significant score drop. This pattern of losing more points than regained after unauthorized inquiries is a recurring and unacceptable issue. My credit score should have passed XXXX by now but because of the inaccurate Equifax reporting and the pattern of hard inquiries from the same XXXX XXXX, my score continues to suffer with Equifax. The proactive measure of freezing my credit file, which should prevent unauthorized inquiries, has proven ineffective against XXXX XXXX 's persistent actions. This is a blatant disregard for my rights as a consumer and a failure in ensuring the security of my credit information. I only had the freeze temporarily lifted upon suggestion from a XXXX XXXX XXXX  representative when I went to open a checking and savings account with them. Moreover, the reporting inaccuracies from Equifax have further compounded the problem. Examples of this are not updating my accounts accurately by not providing the correct monthly balance updates.This egregious error has had a severe impact on my credit score, hindering my financial plans, particularly my ability to proceed with a house purchase. I shouldn't have to constantly have to reach out to the CFPB to help me get my information corrected, updated, and protect my security. This is unacceptable. I have already let Equifax know that I have not requested credit from XXXX XXXX nor authorized this! I have disputed this with Equifax and Equifax has sent me notification stating that the hard inquiry is accurate even though I have provided the reference information from XXXX XXXX stating it is fraudulent!!! This is unacceptable on the part of Equifax!! What is wrong with this picture?? I need the escalations department from Equifax to step in and do something about this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, Phone number XXXX XXXX ) is repeatedly sending me bill, misrepresenting that they are collecting a debt of {$310.00} that I owed to PayPal ( they are giving a reference number XXXX and Account Number XXXX ). I have reviewed my PayPal account and have also called to confirm with PayPal that I don't have any debt previously or currently. I don't have a PayPal credit card and I only use PayPal to make payments using my bank debit. I have no balance that I owe to any creditor through PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone hacked my account deposited a fake check I asked them to fix the problem they closed my account after two weeks of waiting with no access to my account I was also denied my unlimited credit as well

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
the amount was XXXX they lie to me about the payents and it was to much for me to handle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
account was included in XXXX XXXX  which has been discharged old bank account XXXXXXXX XXXX XXXX XXXX XXXX XXXX pass on to the stark collection age

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed 2 disputes with Experian for my student loans. I sent the letter of the US Department of Education showing the loans had been discharged. I called the company XXXX XXXX that held the loan and they confirmed it was showing {$0.00} balance on all loans as of XX/XX/2023. The First dispute Experian said that the company did not confirm a change. I got my letter for the department of education and sent that in the second dispute in XX/XX/2023. Again Experian came back stating the XXXX XXXX did not give them any change of amounts. I got a letter from XXXX XXXX XXXXXX/XX/2023 showing the accounting of all the accounts and all showing paid in full with {$0.00} balances. Experian is the only credit reporting agency not removing the balance for me the others have corrected it.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

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 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a XXXX  XXXX XXXX  from XXXX XXXX XXXX and the vehicle was financed by Ally financial. The vehicle was used and had XXXX miles on it at the time of purchase. I purchased a extended warranty on it for my protection. The vehicle has twin turbos in it and I only had the vehicle for one year when I began having several problems with it. First the left turbo failed which cause oil and coolant to soak up on my spark plugs which caused white smoke coming out of tail pipe. I sent vehicle to XXXX XXXX XXXX XXXX XXXX  and they claimed to have fixed it. I paid out {$860.00}. Then not even two months later the same turbo goes out and along with the right side. Among other issues mechanicaly with the vehicle. The first service department told me that the turbos where in back order this was XXXX of XXXX. It is now XXXX of XXXX  and the vehicle has been at the first service all this time. I have contacted ally financial several times to inform them of the vehicle problems and what options I have being that I have XXXX children and needed a vehicle to get back and forth to work and get children to school. They just referred me to the dealership which couldn't do anything for me because my credit was already low.. so I had to get money from my husband to purchase another vehicle which he got me as a XXXX gift from XXXX . I contacted Ally financial to inform them I couldn't pay for the vehicle and inform them where the vehicle was several times so they could go get it. They never picked it up and are now suing me stating that I'm withholding location of vehicle and suing me for the whole amount financed which is {$25000.00}. I need to file bankruptcy because I have no job and a lot of other debt totalling over XXXX dollars in unsecured debt. Ally financial has went to great extent to collect their property by sending several people to follow my family and I literally everywhere I go whether it be to graveyard to visit my grandmother, to hospital for my son and husband suffering from a XXXX XXXX, to grocery store etc. They park across the street from my house and wait for me to leave 24/7 I have taken video as well as pictures of all vehicles showing them tail me everywhere I go... it has caused me extreme stress and. XXXX  because of invasion of my privacy and my families. Their drivers have even went as far as to jump in front of me on freeway and slam on break to try and cause me to crash, they have sped up past me and look at me with crazy facial expressions and even make hand gestures to me ..I don't know what else to do and fear for my safety

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VALLEY NATIONAL BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX I put thru an external recurring transfer of {$160.00} into checking acct. On XXXX I received an email from valley stating the funds would be in my XXXX  acct in NC on that date. I waited that day it never came. On XXXX I called valley and they said transfer would take place in XXXX. I said I couldnt wait that long. I was walked thru the procedure to do another external transfer for one time only and then after that went thru to cancel the recurring transfer. I did exactly what the rep told me. On XXXX I checked my valley acct and saw the {$160.00} was taken out but it wasnt in my XXXX  acct. I also saw that another {$160.00} was taken out of my acct which only had a balance of {$7.00} along with a {$30.00} overdraft fee. This left my acct with a negative {$180.00} balance. I immediately called valley and spoke with XXXX who said she would straighten out. A few days later I received two transfers of {$160.00} to my XXXX acct. I did not get the {$7.00} balance nor a chargeback of the {$30.00} fee. I never heard of any back approving 2 {$160.00} transfers when there was only {$7.00} in that acct. I proceeded exactly as the valley rep told me and due to her incorrect info was charged {$30.00}. I told valley if I didnt receive the {$30.00} by XX/XX/XXXX I would file this complaint. I had to write a check from XXXX for {$190.00} and mobile deposit in my valley acct in NJ because valley told me I would continually get recharged {$30.00} until the acct had a positive balance. I cant understand why valley wouldn't have emailed or texted or called to inquire. Why would I try to take {$160.00} out of an account that I just received {$160.00} from knowing the balance was {$7.00}. This is ludacrious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Great Marten Holdings, Inc.
State: TN

Complaint narrative:
I have been trying to contact this company in regards to being able to log into my account. 

The website that generates on XXXX has no option to log in. 

There are no telephone numbers listed on their website. Only a mailing address and an email address. 

I feel like I have been scammed. I did receive the money into my account, but there is no way to monitor my loan payoff progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The storage company is attempting to collect a debt for a period after my vacancy. Included is my notice of move out to the company. Also included is a receipt showing a XXXX balance on XX/XX/, my move-out date.

Company response to consumer: Closed with explanation