vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial secured the vehicle in XXXX of XXXX and has continued to report the same amount owed. In communications where we have requested the accounting, receipts, notice of sale, information relative to cure, etc. we have simply received notations that the matter is closed. We have also asked for the original contract and further communicated with all three consumer bureaus relative to who they spoke with that verified this false information. We have been stonewalled and continue to receive an answer that the debt is verified with no documentation or substantiation. We have continually made good faith efforts to discover the disposition of their recoupment, how this has impacted the alleged balance and further why they have not followed any of the NC laws related to repossession, but instead opted to continuously, purposefully and willfully report inaccurate information that has damaged my credit reputation. The balance of {$11000.00} is grossly inaccurate subsequent to the recoupment. This balance has been reported for over two years ( since XX/XX/XXXX ). The payment history is also inaccurate. In fact, when we disputed the information, they illegally updated their records and renewed their false reporting to the bureaus. We allege that they have engaged in false and deceptive business practices. They have admitted as much publicly as they have been the subject of litigation for this very issue.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing to complain about Transunion and their violaton of my rights. I recently discovered that i may be a victim of ID theft. I entered a dispute with Transunion in XXXX regarding an account from XXXX XXXX. Transunion came back with Verified and Accurate about XXXX days after i initiated the dispute. I called the creditor ( XXXX XXXX ) and spoke to the fraud department requesting the documents they sent to Transunion to prove the account was accurate. XXXX XXXX told me that they havent even opened an investigation yet. Actually, my call has prompted them to open one. I then called Transunion and asked them to please send me the documents that is proving this account is accurate, they said they didn't have them. I was baffled! how did they prove the account as verifed and accurate if the creditor didn't investigate and Transunion has no documents to send me either. I'm frustrated and feel that Transunion are going out of their way to make this navigation as difficult as possible for me. I then placed a fraud alert on my account, and transunion recently send me a post card, unsealed with all my personal information and actions regarding my credit profile. This is an extreme violation of my rights as a consumer and victim.

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 2023-08-02 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: PA

Complaint narrative:
I wrote to Experian and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the credit bureaus could not provide any documentation on any the accuracy of the accounts, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

Accounts Below XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-02 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: CITIBANK, N.A.
State: IL

Complaint narrative:
A merchant charged our credit card on XX/XX/23 for {$1000.00}. They never did any services so we started a dispute near the end of that month. Citibank said to look out for something in our email re : this case and we never saw/heard anything until we saw a reversal in favor of the merchant on our credit card statement. Citi said they sent something in the mail - saying the merchant responded and we were supposed to respond back by a certain date. We never received that mail. The merchant just sent over an invoice stating that he charged us {$1000.00}. Based on that they reversed it for some reason ... no valid contract whatsoever, and we never saw any mail from Citi. We called and they re-assured us many times that they will re-open the case since we didn't get the letter and since we were a customer for near 20 years. We told them the company was fraudulent from the beginning of the dispute -- why should we be held accountable for not getting this letter? They could've sent an email, as well - certified mail, etc... mail " DOES '' get lost these days & person in charge in disputes should not have reversed the charged based on just an invoice.

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 2023-08-02 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: FL

Complaint narrative:
I AM NOT LIABLE FOR THESE DEBT WITH XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, AND US DEPARTMENT OF EDUCATION . I DO NOT HAVE CONTRACTS WITH THESE COMPANIES NOR HAVE THEY SENT ME THE ORIGINAL CONTRACT AS I REQUESTED. I HAVE ABOUT 30 INQUIRIES FRON THE US DEPARTMENT OF EDUCATION ON MY CREDIT REPORT WHICH IS CAUSING MY CREDIT SCORE AND MYSELF TO SUFFER VASTLY. THESE INQUIRIES AND ACCOUNTS ARE NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied for an auto loan with XXXX XXXX XXXX XXXX. I received a decline due to a XXXX XXXX XXXX XXXX XXXX of XXXX, which is not correct. I am a member of score sense who shows my credit scores, as follows Trans Union XXXX XXXX XXXX XXXX XXXX I also pulled my credit scores from XXXX  with the following results : XXXX XXXX Trans Union XXXX XXXX XXXX I need this error from Trans Union LLC corrected ASAP.

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 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Origination Charges on my Loan Estimate continue to change as we get closer to a closing date. I agreed on the initial purchase contract that our interest rate would be locked at XXXX XXXX and XXXX XXXX in discount points. Now as we get closer to closing date, it seems like they continue to increase my origination charges without advising me in any way. This is with Rocket Mortgage and here is the most recent email I sent them over : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Can I get confirmation on the final loan estimate. 

XX/XX/2023 : Origination charges POINTS were XXXX XXXX {$8200.00} XX/XX/2023 : Origination charges POINTS were XXXX XXXX {$9200.00} XX/XX/2023 : Origination charges POINTS were XXXX XXXX XXXX Why are my origination charges increasing as we get closer to closing date? I agreed to the first loan estimate and we locked XXXX XXXX and never agreed to pay any additional points on this loan or was advised that the cost to underwrite this loan will continue to go up. It's very offputting that Section A ( origination charges ) continues to change as we near the closing date and an additional XXXX is being requested 5 days before closing. 

This also appears to violate compliance and an issue to be reported to the Consumer Financial Protection Bureau. Please advise with the correct Loan Estimate document, so I can sign and we can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Ive been repeatedly harassed by phone calls multiple times a day from Portfolio Recovery Associates , LLC. They are using an attorneys, XXXX XXXX XXXX, XXXX. Ive tried settling this debt with them on multiple occasions. Ive made several payments and they always say they are sending a payment agreement in the mail and I never receive anything. They have tried to garnish my wages on several occasion and I dont make enough for them to do so. They call me multiple times a day on an auto dialer, which they are unlawful in doing so without permission from myself. They can impose up to a {$1500.00} fine, if Im correct. Ive done my part in trying to get this taken care of and the continue to harass me and threaten my job. Something needs to be done. Ive been to court several times with no resolve to this matter. Ive asked for an original purchase agreement from the collections agency, which they have failed to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: LA

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

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-08-02 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a problem with Chase Bank I opened an account with Chase for my. Social Security XXXX check to come. The check arrived and it was a freeze put on my chec by. collection agency. And I was told that Social Security checks were exempt from collection agencies. and the bank refuses to gave me my check to me. The problem is also the bank even know to check is exempt, The problem is the bank even admitted that the check is exempt, but there's. still refusing to give me my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'll never live at the following addresses this is all incorrect:XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXX XXXX XXXX the following inquiries are unauthorized user : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: AZ

Complaint narrative:
I opened my loan on XX/XX/XXXX. On XX/XX/XXXX, their website stated the " today 's payoff '' balance of my loan was {$5000.00}. There was no indication of additional interest or fees. There was an asterisk next to the amount but it only stated that I needed to call the local branch to obtain a payoff balance for a future date. 

I paid the " today 's payoff '' balance in full on XX/XX/XXXX and received a final confirmation message on their website that " Your payment of : {$5000.00} has been applied to your account. '' I interpreted this to mean my account was now fully paid off. 

I later found that my loan wasn't paid off I'm accruing interest on the interest. The first time I spoke to them about the balance, I believe I owed them around {$100.00}. I told them that I paid the full payoff balance on their website and was told that they would investigate. 

The interest continued to compound over time and I hadn't heard back so I reached back out and spoke to someone at my local branch. I provided them with screenshots I had taken for my own records showing the " today 's payoff amount, '' my payment being made, and the confirmation page. Even with the proof that I paid the full balance, they stated they couldn't waive any of the remaining balance and I now owe them over {$130.00} if I want to close the account. 

I did pay the remaining balance today and received an email from the agent at the local branch as confirmation that is now paid off ; however, this whole ordeal felt very predatory and I'm grateful I had funds to pay off the balance so it didn't impact my credit score. I will never do business with this company again. 

Also worth nothing- now that I have paid off the loan, I am no longer able to access any of my loan documents on their website nor can I view my loan history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
The employer being displayed on my credit report is inaccurate. 
I'm employed at XXXX and has been since 2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Yesterday, XX/XX/2023, I was on call with a customer service representative from OneMain Financial after submitting an application for a {$5000.00} loan. At first, the customer service representative was enthusiastic in assisting me get the loan. She even stated that I could get a higher loan amount for a monthly payment similar to what I stated was in my budget. I submitted the documentation she requested through the portal, which was the front and back of my ID, a voided check, and 90 days of bank statements. At first I thought I needed to submit my paystubs, but she told me that my income was already verified. Unfortunately, we were unable to complete it yesterday and so, she told me she would continue the call tomorrow since she was leaving the office. 

When she called me today, XX/XX/2023, she suddenly told me that they could not move forward with the loan, but she thanked me for letting them look into it. When I asked why I was suddenly denied, she just stated " they were unable to verify my information '' and basically ended the call. I have not received any follow up email explaining why I was denied whatsoever. The online portal continues to send me updates that " I'm almost done having my loan approved. '' as if the process is still in continuation. 

I have experienced this type of behavior before, and I believe it has to do with my last name being XXXX XXXX. I am used to and can recognize XXXX behavior, as I have experienced it most of my life. This year, I had attempted to obtain a mortgage loan, and no company will approve me, even when I meet their requirements. Even XXXX XXXX XXXX XXXX non-profit ( which is designed to assist individuals with downpayment grants ) has thrown me back and forth regarding their requirements to the point where I'm not sure what I need to send them in order to qualify. Their terms seem to keep shifting. 

I only wanted this loan from OneMain Financial to consolidate my credit card debt and have some left over for my work travel, since I work for the state of Virginia, XXXX  XXXX XXXX. The fact that I was told everything was fine one day, and then the next day everything is complete different without a concrete explanation is extremely suspicious to me. I also had two hard inquiry hits to my credit score, which now seem to be for absolutely nothing. 

I don't know what will be done to help me. But, I just want others to know that this has been my experience with OneMain Financial and XXXXXXXX XXXX XXXX XXXX  ( the non profit ) specifically, who have both exhibited similar behavior. If they can not concisely and clearly explain why you were denied, and will not give you your denial in writing, it is almost always a denial reason that is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I was a victim of fraud on Thursday, XX/XX/2023 where an individual asked if I authorized a transaction for a XXXX where I said no, in turn they pulled up my account and stated they needed to connect me elsewhere, so XXXX connected who claimed they were with the US Marshalls called me from a number XXXX claiming someone has been using my name to open accounts, and do illegal activity such as money laundering and drug trafficking. At this point Im scared out of my mind and unfortunately does what he says such as going to XXXX withdrawing {$500.00} of my money and placing it on a money card and giving them the card number after saying it would be used for authorization purposes for when I get a new social security number. I will be filing a police report this week.

Company response to consumer: Closed with explanation