vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I had an auto loan with ally financial. I defaulted on the loan on and my last payment was XX/XX/XXXX. 

I took it upon myself and surrendered the vehicle over to the repossession company. 

Ally has reported to the credit bureau a false time line of my final payment being in XXXX of XXXX. 

This has now been effecting my credit for 7+ years, due to false information on my report, this has not fallen off. 

Not to mention the debt was charged off so Ally not only repossessed the car but also charged off the debt at no loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX provided me with a letter and updated my online account to reflect that my account balance is XXXX  but refuses to update experien. XXXX keeps responding to my experian account dispute that I still owe {$250.00} and experian refuses to update my account stating that XXXX is sending proof. But what about the proof. I keep submitting proof of payment to experian. I also have a letter from XXXX and their response to my FDIC complaint that I filed against that says they received my account and I no longer owe. I have submit a copy of the check they cashed and screen print of the account showing XXXX and this letter to experian and they still wont update my account so now Im filing another complaint against XXXX as well as a complaint agains Experian. XXXX and Experian refuse to update my account as paid in full with XXXX owed.

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 2021-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX of XXXX I would send written request to the company for a legal name change and then I would destroy the existing card. Kohls Credit would ignore this request. On XX/XX/XXXX a purchase made under my new legal name would reveal Kohl 's credit has lied to me and refused to update this legal name change. They continue to try and block this legal name change. Now I am trying to get the account closed and paid off and they refused to provide a statement and they refuse to give any info for me to use billpay through my credit union to pay this off without revealing any sensitive information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: NJ

Complaint narrative:
Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information on 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
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information on 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
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried linking my bank account via XXXX  and it keeps denying me access to my own account to make the payment and now Im being charged XXXX in late fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I was pre qualified to purchase equipment from a XXXX XXXX XXXX. I had a finance XXXX named XXXX XXXX. 
I was told I was getting a 6 % rate when really it was a rate factor and was never a percentage rate. 
My finance rep was apart of XXXX XXXX and solicited another lenders contact. ( CIT Bank ) was the 3rd party lender. I feel violated that I was solicited and lied to about the terms. 
I was told false info thru via email ( documented lies ) and now Im struggling to make the payments. This definitely isnt standard loan practice and I would like to return the equipment and get out of the loan asap. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a new " XXXX XXXX Credit Card '' credit card with XXXX XXXX. 
On XX/XX/XXXX, I was notified that the XXXX XXXX card would be replaced with a TD Cash Credit Card. 
On XX/XX/XXXX, I received and activated the new TD Cash Credit Card. 
On Friday, XX/XX/XXXX I received a letter in the mail indicating my TD Cash Credit Card account has been closed due to inactivity. 
On Friday, XX/XX/XXXX I called TD Bank immediately at XXXX and requested my account be reopened. 
Two representatives informed me the account could not be reopened due to TD Bank policy. 
A " floor supervisor '' named XXXX explained that notices were mailed to me warning of the inactivity and upcoming account closure. I have never received any such notices. XXXX and I confirmed the mailing address on the account is correct. 
XXXX could not explain why I did not receive any notices about the inactivity. 
I was not informed of TD Bank 's policy as it relates to inactive accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My XXXX year old daughter deposited a check into her gift to minors custodial account. ( My name is still on the account ) on XXXX for {$2400.00}. She was thought to have been hired by a legit job who issued the check and told her to purchase their software upon the check clearing. After speaking with her family she came to realize this was a scam and called the bank to notify them of concerns. Wells Fargo opened a fraud claim which resulted in them immediately and thankfully rejecting the mobile deposit preventing it from being negotiated at all. 

However the account balance drew negative immediately by the entire amount of the deposit. No additional withdrawals were made. None of the available funds that were in the account prior to this adjustment ( rejected mobile deposit ) are available to date. There are XXXX in funds being held by Wells Fargo that was formerly available. I am not sure of someone is internally a part of this scam and has processed abs withdrew these funds while making appear as rejected or not. We want this account balance reconciled immediately and existing funds made available. It is unexplainably ridiculous that a mobile deposit would be rejected and also withdraw the account by the amount of the deposit without anyone having accessed the funds. Please have them fix this. They can not legally hold her existing funds. Wells Fargo never follows the rules and this another grave instance in which they create and follow their own rules. It isnt right. They have rejected the deposit yet simultaneously still have it on hold as if its processing to be cleared and negotiated. They can not do that. Such conflict puts them in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account number ending in : XXXX Wells Fargo case number : XXXX. The XXXX XXXX XXXX XXXX XXXX accounts that you may be responding to, were not being reported by XXXX  nor XXXX  XXXX however it appears XXXX XXXX was reporting to XXXX  only. It turns out these accounts were duplicates, paid and have been removed. See upload. These reporting 's were being reported in error. Now I kindly ask that you restore my credit line back ... AND NO I WILL NOT REQUEST FOR AN INCREASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I went to get an auto loan in XX/XX/XXXX & they questioned me about an unpaid, maxed out credit card for {$10000.00}. I had no idea what was going on. I was then served papers to appear in court for not paying the card approx. XXXX XXXX. I had no idea of what kind of card this was to even contact the company. I told this to the dept collectors & they said they would list it as fraud. I just had a recent credit report on XX/XX/XXXX & saw that the fraudulent card debt was still listed, which is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Direct Mediation
State: TX

Complaint narrative:
They called my mother and my father, and my sister who live in another city. My mother called me yesterday XXXX and told me they told her I have a debt with XXXX  and that theyre taking civil matters. Sharing my information with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account number ending in : XXXX Wells Fargo case number : XXXXThe XXXX XXXX XXXX XXXX XXXX. accounts that you may be responding to, were not being reported by XXXX nor XXXX  ... however it appears XXXX XXXX was reporting to XXXX  only. It turns out these accounts were duplicates, paid and have been removed. See upload. These reporting 's were being reported in error. Now I kindly ask that you restore my credit line back ... AND NO I WILL NOT REQUEST FOR AN INCREASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MI

Complaint narrative:
I went to get an auto loan in XX/XX/XXXX & they questioned me about an unpaid, maxed out credit card for {$10000.00}. I had no idea what was going on. I was then served papers to appear in court for not paying the card approx. XXXX XXXX. I had no idea of what kind of card this was to even contact the company. I told this to the dept collectors & they said they would list it as fraud. I just had a recent credit report on XX/XX/XXXX & saw that the fraudulent card debt was still listed, which is destroying my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
The vehicle was repossessed in XXXX of XXXX from a tow yard. For 6 months after that, I recieved parking tickets in the mail from them driving on my plates. Now they constantly change the status of my loan on my credit report, they agreed to close the account but mysteriously this month I recieved a " missed payment '' ding on my credit. The dates on this account are so wrong its laughable. It was taken in XXXX of XXXX, why would my last payment be in XXXX of XXXX? I've repeatedly disputed the information on this account with ZERO help. They never update the incorrect information, they just add more incorrect information. I'm at my wit 's end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I am reaching out to you regarding an incident which occurred at our residence on XX/XX/XXXX with Ford Motor Company who hired their enforcers to repossess our vehicle. Ford Motor Companys contractors refused to wear a mask & ignoring our repeated pleads not to come close to us during a pandemic. 

Not only did the Ford Motor Companys enforcers ignore our request to either wear a mask and or stay at safe distance from us. One of the enforcers who was a self proclaimed XXXX, repeatedly XXXX  our friend who recently recovered from a XXXX XXXX. 

We have repeatedly attempted to purchase the wrongfully repossessed vehicle since XX/XX/XXXX. We have made numerous calls directly to Ford Motor Company and many attempts chasing down the dealership having to visit the dealership 3 times, in order to complete the purchase of the vehicle. 

I have enclosed video which shows based upon Ford Motor Companys own billing statements we were current and acknowledged our most recent payment on XX/XX/XXXX. 

Please see the enclosed link to the video XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
Account : LOCKHART, MORRIS & MONT # XXXX I was unware of this debt and did not have the opportunity to dispute. Please provide validation of debt and method verification with physical PROOF. 

Please provide certified mail receipt if you believe I was aware of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX.XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against TRANSWORLD SYS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I have made multiple attempts to get this debt verified. I even contacted the original company since I have sent 2 certified letters to Sequium Asset Solutions , LLC and the only correspondence I have received is the amount owed not the original information. I dispute this debt is owed and this company will never send me any information on the original debt. As a consumer I have a lawful right for this collection company to verify the debt with the original debt with dates of services and the first date of delinquent payment. enclosed the only correspondence that I have from the company. I took it into my hands and contacted XXXX XXXX XXXX and enclosed is the only services that the copy only had on file for me. According to those documents this debt is too old to lawful to be showing on my credit report. I need this company to send me the original correspondence from XXXX XXXX XXXX not just numbers and verify this debt is owed. I have sent the verify letter twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: GA

Complaint narrative:
I was never late on the following accounts : XXXX  XXXX XXXX  XXXX  # XXXX XXXX  XXXX XXXX XXXX  # XXXX Please provide method of verification with physical proof. As I was never late on these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: GA

Complaint narrative:
I was never late on the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX  # XXXX Please provide method of verification with physical proof. As I was never late on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel XXXX  and Equifax are taken advatage of me and ignoring my request as it has been over 60 days and section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. XXXX  has investigated and has deleted the disputed items off my credit report. XXXX  and Equifax has repeatedly ignored my request and are reporting inaccurate items on my credit report. I am demanding the deletion of the items in dispute or I will file for litigation against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of EducationXXXX Navient # XXXX ; XXXX Please provide method of verification of late payment with physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime bank refused to update my account balance after a refund was posted from XXXX. They even went as far as to say I spent it after I reported multiple unauthorized charges on my account from XX/XX/XXXX to XX/XX/XXXX. The was {$180.00} refunded to my spending account which should have brought the balance to {$190.00} if the had updated it. Also I withdrawal of {$49.00} was made by XXXX XXXX after the card was reported stolen the 1st time to Chime bank. I do have XXXX and feel discriminated against by the way they responded to me when I spoke to agents on the phone. Their refusal to fix the issue is evidence of that.

Company response to consumer: Closed with explanation