vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My car was deemed a XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX the insurance company sent the payoff to Bank of America and the gap insurance and maintenance payments followed. I requested that all payments be applied as regular payments to cover principal and interest and all extra be applied to the principal to ensure I did not incur late fees while waiting for the respective payments to come into the bank. Bank of America refused to apply the payments as requested and insist that I owe 0ver {$600.00} in interest. When I reviewed the contract with both a customer service representative and a manager it was determined the contract does not state the payments from an insurance company have to be applied to principal only and the payments should have been applied as I requested. BOA is still denying this request and reporting negative payment history to the credit bureaus even though I have repeatedly requested this error be fixed.

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 2024-05-28 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/year> I paid capital one XXXX for a trip. On XX/XX/XXXX my trip was completed. When I went to check out I had to pay for my stay as capitol one travel never paid the hotel for my stay. I fought the charge and they removed it. Days later they put the charge back on my account. I then showed more proof of the hotel charging me for my stay. Capitol one then told me XXXX weeks after my stay that they finally paid the hotel which makes no sense and is quite deceitful. After a dozen phone calls to capitol one and capitol one XXXX, XXXX and a half months of fighting, and multiple promises of a refund and calls back that have yet to come I have ran out of options. I have now accumulated unnecessary interest on my account that they also refuse to take off even after explaining my situation. I have been making calls weekly and have gotten no further in my resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
I am writing to follow up on my previous dispute regarding a fraudulent account that is still erroneously reporting on my credit report. Despite my efforts to rectify this matter, the fraudulent account remains unresolved and continues to negatively impact my credit score. 

As I stated in my initial dispute letter I have never opened or authorized the account in question. I have taken all necessary steps to report the fraud to the appropriate authorities, including notifying the creditor in question of the fraudulent activity. 

It is disheartening to see that the fraudulent account is still present on my credit report, as it has caused significant distress and financial hardship for me. This inaccurate information has affected my ability to obtain credit, secure loans, and even impacted my employment prospects.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A credit collection XXXX XXXX XXXX a company that bought a sold account and a 1099-C was filled with XXXX balance and then placed back on my TransUnion account with a new balance that is against the law. I have called and sent letters to remove this inaccurate information. They have refused to remove the inaccurate information. Transunion has a habit of reporting and leaking incorrect information and not updating your account correctly

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 2024-05-28 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
ACCT IS NOT MINE AND NEEDS TO BE VERIFIED AND REMOVED

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 2024-05-28 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: FL

Complaint narrative:
Debt Validation OR REMOVE 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 2024-05-28 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: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-28 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: LendingPoint Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX had violated the FDCPA, XXXX XXXX, Banking laws, IRS reporting and Texas deceptive Act. This debt collector filed a law suit for an alleged debt, on XX/XX/year> CAUSE NO. XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that said they purchased from XXXX XXXX that had an Arbitration Clause in it ( that XXXX never enforced not did XXXX file an claim of cause ), before ever notifying me XXXX XXXX XXXX XXXX XXXX the living soul man of, in writing so that I may request Validation of the alleged debt. The lawsuit seeks an amount of {$14000.00} in which they have never validated nor provided any accountant records to back of the alleged claim of debt. I received a letter dated XX/XX/year> from XXXX XXXX XXXX offering tax time payment options ( See attachment and the many violations in the letter ), after they had filed this claim in small claims court. I dont know who this company is, never had any deals with this company, nor has the person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Corporation/Company , whom I own copyrights to any variations of, Attorney of fact, Trade Mark, Secured Party and any and all debts are owned to me the living soul man XXXX  : XXXX XXXX XXXX XXXX filing XXXX. XXXX filed this alleged account as a lost thereby income loss that they filed with the IRS and a XXXX should have been sent out. I've filed an audit, and Identity theft with the IRS against XXXX, Lending point the servers and XXXX XXXX XXXX for authorized use of my social security account number, filing of the XXXX XXXX into the Federal Reserve by creating an account without my written permission and obtain the cussip number and use the securities ( the promissory note on the stock market ) as a bond and collection millions of credits from it. This alleged account was paid for when they took the XXXX XXXX with my signature and deposited with the Federal Reserve thereby nothing was ever owed to them but rather to me the principal. 

This company has violated all my rights under the XXXX of the United States of America XXXX, the XXXX arbitration, FDCPA, TDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
Every time I contact mohela about my student loans : consolidation, forgiveness, even a simple payment- I get contradictory information. The latest thing that makes me mad is that I was told via the online portal I have no payments due for several months. Then I got a paper bill for {$2.00}, so I mailed them a check for XXXX because {$2.00} just seems ridiculous. And then today I get a paper bill saying that my automatic payments will be restarting in 2 days with a minimum payment of {$1300.00}, which is far too much for me ( and I applied for consolidation to bring down a XXXX XXXX monthly payment. ). Every time I call, I'm on hold for an hour or more. I very often get hung up on. And I never get a straight answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I opened a savings account with Ally Bank, not much longer after transferring money into the account they locked my online banking. I have contacted the company to unlock the account and they have notified me that they have closed the account and will not issue the return of my money. I had over {$12000.00} that I put in the account over a span of 5 months. I have contacted the company several times and they state that I have to contact whoever issued me my funds. They stated I would need to goto my work and ask them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I recently had my credit pulled and saw that i had a late payment on my credit report with a company. I should have not had a late payment as i have been on automatic payment with the company. I have tried to dispute with the credit bureaus but it has not been removed and i haven't recieved anything back from the bureaus or the company regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been a victim of identity theft. I've sent an FTC report and police report. I have not been provided with any proof of an investigation. All the fraudulent accounts on my credit report, reporting a fraudulent address. 
The Credit reporting agencies received a copy of my police and ftc report about 60 days ago, and no real investigation has been conducted by their end. i clearly reported that the address reporting on my credit report is fraudulent, that was used to get cards under my name without my knowledge. I need your help to make them to serve their purpose.

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a phone call from an XXXX XXXX, claiming to be with the Consumer Financial Protection Bureau. She asked if i opened an account today with Bank of America in Texas. She had the last XXXX digits of my XXXX XXXX XXXXXXXX. I stated that i had no knowledge of such an account. She gave me a XXXX # RL XXXX and said she needed to transfer my call to another department. I asked for the callback number and was given XXXX. She transferred my call to an XXXX XXXX, who was supposedly going to take steps to cancel the Bank of America account and then check to see if there were any other unauthorized accounts recently opened in my name. I informed this individual that I was not going to provide any personal information, and that he should not ask me. He insisted that he is not permitted to ask for personal information. I stated that he should go ahead and cancel the unauthorized Bank of America account. We kept going in circles with his assertion that he would cancel the account, but also needed to make sure there were no other accounts. His failure to handle this in a straightforward manner aroused my suspicion and I hung up. He called right back and asked if i had hung up the call. I hung up again. Can you verify whether a Bank of America account was actually opened in my name, please? 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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: ND

Complaint narrative:
Suit was filed by XXXX and XXXX XX/XX/XXXX, attempted to reach out as the debt from XXXX XXXX XXXX XXXX XXXX was to have been previously paid with resurgent capitol but per LVNV and XXXX and XXXX it was not. Asked for documentation and was sent verifying. Reached out in XXXX of XXXX as I was advised they moved on with suit in court. Judgement was made I was contacted by my bank in XXXX of XXXX about a garnishment on my savings account. A phone call was placed to XXXX and XXXX. Spoke with the first representative who advised in an unprofessional manor that its done and they will take the money no matter what they didnt care. With no negotiation possible. I called back later and spoke with a supervisor named XXXX and she agreed to negotiate the total of {$2200.00} to a new amount of {$1700.00}. I agreed to this, and asked if I would be sent documentation on this and also my bank. She stated that it should be received in a week and all I needed to do was agree to the amount with the bank and release the funds. Waited till XX/XX/XXXX and nothing was sent attempted to call XXXX and XXXX and per the XXXX XXXX XXXX they have not received anything either. Left a voicemail on their box for a call back waited XXXX week. No calls or voicemail, called again and left a second voicemail. Once again no documentation or info let alone a call. My mother passed away and left it alone for a few weeks. Call was made again in the first week of XXXX. No info or calls returned. Was advised by XXXX XXXX XXXX that a order judgement was sent to release the funds to them in the original total with interest, not the agreed upon amount of {$1700.00}. Placed a cal that day which is today XX/XX/XXXX. Once again just a voicemail as no one was available. I believe that they should have been required to hold their word and follow through with the agreement made. And not collect the larger sum, with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint narrative:
I opened a XXXX XXXX XXXX account with Citibank. 
I transferred the security deposit electronically from my checking account ( also a Citibank account ). 
As I moved back to XXXX, I closed the account, and I wanted to get back the deposit to my checking account. 
Citi has sent the deposit back on paper check to an address which doesn't belong to me anymore ( I've let them know this ). 
After several, XXXX attempts and XXXX months I still didn't get my security deposit back, and Citi always come up with a new " requirement '', like fraud check for the account ( which could be normal, but the initial amount was sent from that account, and also the balance was constantly paid from the same account ). 

I stated several times that a paper check sent to a XXXX address doesn't help me. They were not able to send it to XXXX, etc.

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 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I purchased an item using XXXX XXXX serviced by TD Bank on XX/XX/XXXX, for a total amount of {$1900.00}. However, I never received any communication regarding the account details or statements by mail, email, or any other form from XXXX XXXX or TD Bank. Due to this lack of communication, I was unaware of any payment obligations or delinquency reports. 

Upon noticing a derogatory mark on my credit report, I contacted XXXX XXXX, received my account number, paid off the overdue balance of {$1900.00} in full in XX/XX/XXXX, and set up auto-pay to avoid future issues. Despite these actions, TD Bank 's response to my dispute failed to provide proof of any communication attempts or correct the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX I am submitting this complaint without any influence from any party or agency. Please see attachments/attached documents and id as it contains my full complaint and request.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2024 I set up a XXXX XXXX to pay my credit card on XX/XX/2024 in the amount of XXXX. On XX/XX/2024 I received notification that my direct deposit was deposited. I logged into my account and edited the date I wanted my credit card XXXX XXXX paid. I revised the date to XX/XX/2024. The XXXX XXXX paid my credit card and XXXX was deducted from my checling account. Today, XX/XX/2024 I received notification that XXXX was deducted from my checking account. I logged in to see what happened and somehow the original payment was taken out of my checking account again. I called the bank and all they told me was that she didn't know how or why it happened and that it must have been a system error but that I would have to wait XXXX business days to have them reverse the payment amount. This is crazy. What if I didnt have the money in my account? I would have had checks bouncing. I don't understand how they can hold my money for 10 days when this was a bank error??

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief