vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
My debit card is frozen. Theres {$110.00} in the account but Citizens Bank claims they cant send me a text with a number to confirm. Even though my cell number is on my account. 
They keep giving me the run around and wont tell me what causing this. Im XXXX, home bound except for doctors appointments and I can not come in to my local branch as Im unable to XXXX. 
I do all of my shopping online so this really interferes with my day to day living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been in the process of disputing debts stated on my credit report that are not mine. I have contacted the credit bureaus in regard to these debts and stated that they are not mine and I have no knowledge of these debts. I contacted each credit bureau on XXXX XXXX, and 13 to have these debts ( in amounts of {$580.00}, {$540.00}, {$380.00}, {$1300.00}, {$900.00}, and {$910.00} ) removed from my credit report with proof, and they are still refusing to do so. Some of these " debts '' that I have no knowledge of have even been written off and are still showing on my report as my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not given permissible purpose or any written consent by me to inquiry on my consumer report ; furthermore I do not have any open/end account with any of these companies.

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 2023-05-15 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX XXXX XXXX XXXX. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach 3 documents that First Interstate Bank and XXXX provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error 1 ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error 2 ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error 3 ). Upon examining the provided documents is you will find a credit limit. The XXXX Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error 4 ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error 5 ). Recent Balance is ( NOT REPORTED ) ( Error 6 ). The payment history has been left blank ( INACCURATE ) ( Error 7 ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this XXXX Credit Report which have been VERIFIED as accurate by First Interstate Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Before Covid-19 Pandemic, my small business was running great and made my car payments very well. But since XXXX, my small business has been suffering and struggling. On XX/XX/2023, I submitted an online inquiry with a letter to XXXX XXXX XXXX, XXXX XXXX XXXX XXXXl Manager of XXXX XXXX about my financial hardship. I was searching for a program to help me out during this hardships moment. On XX/XX/2023, I received an email from Lexus Financial Services saying that my account is subject to review for repossession. On XX/XX/2023, I call XXXX and was talking with one of the representatives regarding my hardship situation. I was trying to ask them for help and to offer my car payment of {$200.00} a month for the next 6 months until my business picks up. They told me that they can not accept my offer. I told them if they can not help me with the lower payments that I am asking for. I would like to sell my car back to them and would like them to cut me a check on whatever the value of my car then they can take back the car. As of right now, according to XXXX XXXX XXXX, my car value is worth {$43000.00} and my outstanding balance is {$36000.00}. But they told me that they can not do that. For example : Just like a house, if your house has value, you can sell it and pay back the mortgage and other fees then whatever is left is ours to keep. I feel this is so unfair to me because while my business is struggling and I need this car to move around and especially since I have 4 children that keep getting sick and I need to take them to the XXXX XXXX XXXX XXXX XXXX 
Please help me to find the best solutions for this issue. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Consumer Financial Protection Bureau To Whom It May Concern, As your constituent, I write today out of a deep sense of frustration concerning the Financial institution as they target XXXX XXXX  to deny and disenfranchise for Housing, personal, business and Automotive loans. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted an advertisement no down payment with low interest rates. We applied for a loan for a XXXX XXXX XXXX {$16000.00}, with XXXX miles. On XX/XX/XXXX, my wife and I was approved for no money down with a low interest rate based on our credit scores XXXX, financed through Ally Bank, we called Ally Bank and was told our interest rate will be from 8.85 % to 11.99 %. 

My wife and I are beyond disappointed in this dealership, more specifically, sales manager XXXX XXXX. This man attempted to come off as a trusted, charismatic individual, but essentially in my experience working with him, my opinion changed and he has lost my trust and respect. It appears this dealer is engaged in bate and switch and Predatory lending after shot-gun our credit to several lenders, which further damaged our credit report due to excessive inquires. While the finance department were completing the final documents, we took the car for a one mile test drive no problem found at this time, except, the left rear floor mat was split, Rear wiper blade broken, radiator reservoir was empty. 

I alerted the lot person of the issuers, he stated they will fix the problem. After the test drive, we were told to report to the finance department, where we was forced to signed the car financial document In seven minutes without any explanations to what we are signing. We was not told about the XXXX and XXXX XXXX XXXX XXXX on this car that we paid for. We drove sixty miles to our home to find out this car was Jerking and shifting very hard, I called XXXX and told him about how unhappy about this transmission situation, He asked me to bring the car in on XX/XX/XXXX to fix the problem, which the dealer should have checked during a service of this car. 

When we got home we are able to actual read what we signed and very disappointed as to how we got ripped off manly because they target XXXX XXXX in regards to situation like this. XXXX should be forced by the Federal Government for a transmission recall on the XXXX XXXX. We are asking the State and Federal Government to investigate XXXX XXXX XXXX XXXX for Predatory Lending, while using bate and switch tactics, while inflated the cost of the loan to {$19000.00} for 75 months interest over {$30000.00} when the car is paid off. 

Sincerely, XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A company is reporting incorrect information to my consumer report

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 2023-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, EXPERIAN, XXXX IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. EXPERIAN. XXXX TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. EXPERIAN. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar report

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 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Yesterday XX/XX/2023 got this message from Chime Bank " The phone number on your Chime account has been updated to ( XXXX ) XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX if you did NOT request this change. '' Couldn't log in to my Chime acc. Called Chime, agent told me to change password, I did. 
But all my money gone, everything... {$3000.00}. XXXX made XXXX transactions to XXXX  on different names in just an hour Called Chime several times, wrote emails. And all Chime is telling me to wait to see if those transactions " settle '' and then " You will receive a push notification from us to confirm that youd still wish to file the dispute when at least XXXX transaction settles '' and it can go up to 90 days. 
I didn't authorize these transactions. My account was hacked, Chime bad security didn't protect my money. They even issued temporary card to hacker. My {$3000.00} stolen. all the money I have gone. 

I need my money, and CHIME is doing nothing about it except telling me to wait and then file dispute while I have {$0.00} in my account...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I contacted Wells Fargo ( WF ) requesting a forebearance of 2-3 months on my XXXX XXXX backed mortgage due to financial hardship. They declined my requesting stating there are no programs available to me other than a remodification. This contradicted the information I first received from XXXX at WF before she transferred me to XXXX at WF. Is forebearance still an option for a federally backed mortgage?

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In XXXX, I received two letters from XXXX XXXX XXXX ( both attached ). One states it was for XXXX XXXX XXXX  account ending in XXXX for {$710.00} owned by LVNV Funding. The other states it was for XXXX XXXX XXXX XXXX XXXX  account ending in XXXX for {$1000.00} owned by LVNV Funding. I did not recognize either one. Both letters state they will accept disputes and requests for more information in writing ( either by mail or the link provided in the letter ) by XXXX and XX/XX/XXXX respectively. On XXXX, I went to XXXX and disputed the debts and requested more information using the form provided. XXXX failed to respond to the requests and instead reported the collection for account ending in XXXX for {$710.00}, which was added to my report on XX/XX/XXXX. I immediately called XXXX to inquire about why my request for validation/dispute was ignored and was told to contact Resurgent. I contacted Resurgent using their website form and got the attached email that I would receive a response from the appropriate department. No response. On XXXX and XX/XX/XXXX, they proceeded to also add a collection for account ending in XXXX for {$1000.00} to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: NC

Complaint narrative:
The is an auto loan account with XXXX XXXX XXXX, hereafter listed as XXXX, that is showing a 30 day late payment in XXXX of 2021 that should not be reflected as being late. After several attempts to update and filing legal action against XXXX I received a settle confirmation from them that they requested that the information on my account be updated to correctly show, paid in full and never late. They specifically stated the XXXX  2021 30 day late would be requested to be removed/updated to never late and the balance on the account reflecting {$0.00} paid in full. This was nearly 6 months after the account had been paid in full after 3 attempts with TransUnion to have the information updated because they were showing a balance of over {$15000.00} with the 30 day late but they continued to respond verified/accurate. I have attached a copy of the documentation that my attorney provided me from XXXX which I shared with TransUnion. I section 2 of this document you can clearly see the information I referenced. TransUnion not updating this information this information is a direct violation of the FCRA and needs to be addressed immediately.

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 2023-05-15 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 — Was not notified of investigation status or results
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: UT

Complaint narrative:
This debt collection agency suddenly appeared on my credit report XX/XX/XXXX. At first I didn't recognize this debt because of the absurd amount that it reported owe. The debt collection agency is XXXX XXXX XXXX XXXX. The amount they are reporting is {$7800.00}. I disputed this XXXX times. I have never received anything in the mail, or call regarding the debt. It took my a while to figure out what debt they were referring to. When I found the initial loan document, the amount financed was {$1500.00}. I am not sure how they came up with the amount of {$7800.00}. I disputed both with XXXX and XXXX, but XXXX XXXX XXXX is confirming that they have the correct information. I disputed on XX/XX/XXXX and XX/XX/XXXX. They have yet to justify the amount hey are claiming I owe, even though I have sent them a copy of my initial loan document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX violated my rights. 15U.S.C. 1681 section 602 A States I HAVE THE RIGHT TO PRIVACY. 15U.S.C. 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instruction.15 U S Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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