vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Approximately on XX/XX/XXXX, Ally bank called me to ask if I just made a purchase for {$420.00} which I responded " no '' and asked them to stop the payment if they could. They then asked if I wished to dispute this transaction.to which I said " Of course ''. They said they would cancel the payment and send me a new credit card and I should destroy my existing card. I checked my online account and seen the charge was not paid but in a " pending '' status. I waited 2 days and checked again to see if the purchase was cancelled. The status showed the payment went through. I called Ally and they said I had to go through their dispute process over the phone which I did at this time and was told to call back in 10 days for results. After a couple of weeks of no results from Ally, I contacted the vendor who said they had me on a subscription list from the one-time order that I had placed with them 6 months earlier. I requested to be taken off that subscription and they said they would refund the money if I cancelled the dispute. The purchase was made through XXXX who said once I cancel the dispute with Ally, Ally should automatically send an electronic notification to them of the cancellation so they can cancel it on their system also. I cancelled the dispute with Ally who did not notify XXXX. During several calls in the following weeks, Ally kept making excuses as to why they did not notify XXXX and promised to correct it until my last call where they said they would not notify XXXX electronically and I was forced to refile a dispute to get my money back and was told to call back for results in 10 days. When I called back, I was told the Ally dispute dept. had cancelled my dispute and to refile another dispute. This time they would make a special note that this dispute should not be cancelled for any reason. I was told to call back in 10 days for the results. I called back and was told the dispute was again cancelled by the Ally dispute department and that I should refile the dispute again and they would make a note not to cancel again. I stated that is exactly what I did last time and that it has been 3 months that my money has not been accessible to me. They said that is their procedure and they can not contact XXXX directly to clear the status of this transaction. XXXX insists they can not clear the transaction without a direct electronic notice from Ally Bank. Still my money seems to be in an indefinite limbo between these two banks policies.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently went on vacation to XXXX and upon returning noticed repeated charges of {$120.00} and {$120.00} on my Capital One credit card that I did not make. The charges were made on XX/XX/XXXX and XX/XX/2024. I opened a dispute by calling customer service on XX/XX/XXXX once I noticed these fraudulent charges. Capital One opened a dispute claim, provided a credit and said theyd investigate. In what appeared to be an automated response, the investigation was closed on the same day with a statement saying I benefited and no evidence of fraud exists. These charges were 100 % unauthorized. I called again after the investigation results were completed and asked for documentation and details about what they investigated and how the determination was made and who was the vendor who stole my moneythefraud supervisor stated they dont give details about thier investigations. I see why there is a pending class action lawsuit against them for conducting sham investigations and quickly denying cases, offering no protection to customers. I only found this out when submitting this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or around XX/XX/year>, I was informed by a banker from Chase, whom I was working with on a checking account matter, that he had randomly noticed my savings account had been deactivated due to inactivity. This makes no sense since I have made withdrawals at least monthly from the account for at least the last 5 years. 
I received no notice of the deactivation, no letter, no email, no text, no note or flag on the on- line system, nothing. 
There is nothing in the Deposit Account Agreement about the criteria and/ or procedures for account deactivation. 
After attempting unsuccessfully at least 5 times to reach the banker by phone, I went into the branch on XX/XX/year> and attempted to deposit a check. The teller informed me that the account was deactivated and I couldnt deposit the check. I sat with a different banker, signed some papers, reactivated the account, and deposited the check. All the personnel I spoke to at the branch did not understand why the account had been deactivated. 
I submitted several inquiries on Chases on-line secure messaging system to attempt to understand their unwritten rules about account deactivation and notice procedures. I receive conflicting answers about the unwritten rules, and an apology for not receiving notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: NJ

Complaint narrative:
On XX/XX/2024 I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/2024. My ftc report # XXXX. I have only 1 current address beginning with XXXX XXXX all others should be deleted as they are not mine and have been at that address for 5 years.. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : 1. XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX XXXX 4.all XXXX XXXX 5.alXXXX XXXX XXXX accounts As well as the following inquiries made in my name need to be removed : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX & XXXX XXXX 6 ) XXXX XXXX, XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XXXX XXXX 10 XXXX XXXX XXXX  XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX ) XXXX XXXX XXXX 15 ) XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX 21 ) XXXX 22 ) XXXX 23 ) XXXX XXXX 24 ) XXXX 25 ) XXXX XXXX 26 ) XXXX 27 ) XXXX XXXX 28 ) XXXX XXXX 29 ) XXXX XXXX 30 ) XXXX XXXX 31 ) 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 non-monetary relief
Consumer complaint received 2024-06-17 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: NJ

Complaint narrative:
On XX/XX/year> I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/year>. My ftc report # XXXX. I have only 1 current address beginning with XXXX XXXX all others should be deleted as they are not mine and have been at that address for 5 years.. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : 1. XXXX XXXX XXXX 2.XXXX 3.tower XXXX XXXX XXXX 4.all XXXX XXXX 5.all XXXX XXXX accounts As well as the following inquiries made in my name need to be removed : 1 ) XXXX XXXX 2 ) XXXX  XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX & XXXX XXXX 6 ) XXXX XXXX, XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX  XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX 14 ) XXXX XXXX XXXX 15 ) XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX 21 ) XXXX 22 ) XXXX 23 ) XXXX XXXX 24 ) XXXX 25 ) XXXX XXXX 26 ) XXXX 27 ) XXXX XXXX 28 ) fifth third 29 ) XXXX XXXX 30 ) XXXX XXXX 31 ) 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 non-monetary relief
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Cardholder deceased. Death certificate has been submitted multiple times. Phoned XXXX on XXXX and on XXXX spoke to XXXX XXXX and XXXX to cancel due to death . Citibank refuses to close account. So sad and so upset.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: IL

Complaint narrative:
I have tried calling multiple times and they can not find the debt. But they continue to hold my credit hostage. This was obviously fraud. XXXX and XXXX have removed the account but XXXX refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I wrote Experian disputing a bankruptcy reporting on my credit report on XXXX XXXX. Experian wrote back stating it was verified. 
XXXX wrote Experian as well disputing the information and Experian never responded to XXXX dispute to erase the bankruptcy due to not being able to verify the information. 

I wrote another dispute letter to XXXX on XXXX, XXXX, XXXX about Experian stating it was verified. XXXX, reported that there are no bankruptcy reporting on my file with them at this time. XXXX wrote Experian another letter to dispute the inaccuracy however, Experian will not respond to the dispute with XXXX. 

This ongoing issue prevented financial security and emotional toll. 
Please address this matter promptly!

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 2024-06-17 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: MS

Complaint narrative:
I need to re-document and refile this grumbling to EQUIFAX. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated.

My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2024-06-17 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-17 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: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-17 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
There is a debt owed with a company I never had any business with, I sent a debt validation letter, still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
To the best of my knowledge, American Express has violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) by calling me on XX/XX/XXXX, at XXXX XXXX Central Time, regarding collections for three accounts they closed in XX/XX/XXXX. Despite my explicit instruction to communicate solely via mail due to the inconvenience of receiving calls during work hours, they proceeded to call me, which constitutes a violation. Specifically, these actions breach FDCPA codes 15 U.S.C. 1692c ( a ) ( 1 ) ( Communication in connection with debt collection ) and 15 U.S.C. 1692d ( 5 ) ( Causing a telephone to ring repeatedly or continuously ). Additionally, under Minnesota Statutes, this conduct may violate Minn. Stat. 332.37 ( 12 ) ( Harassment and abuse ) and Minn. Stat. 332.37 ( 13 ) ( Calling repeatedly or continuously with intent to annoy or harass ). 

Additionally, American Express has failed to provide me with proof of ownership of these accounts and proper validation of the debt. Instead of the required documentation, they have only sent statements that list the expenses made on these accounts. This lack of proper paperwork hinders my ability to adequately address these accounts with my attorneys and accountants. Without the necessary proof of ownership and debt validation, I can not ensure the accuracy and legitimacy of the amounts claimed. This failure to provide the correct information is essential for my legal and financial advisors to effectively manage and resolve these matters. 

The specific codes and statutes violated by this failure include : FDCPA : 15 U.S.C. 1692g ( b ) : Verification of debts - If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
Minnesota State Statutes : Minn. Stat. 332.37 ( 9 ) : It is prohibited for a collection agency or collector to fail to provide a debtor with information about the original creditor within 30 days of the request.

Minn. Stat. 332.37 ( 12 ) : Harassment and abuse - It is prohibited to use any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity.

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 2024-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I purchased a new SUV. I am XXXX years old. At the signing of the contract I was told my interest rate would be 2.99 % with auto deposit for 63 months. I now see the interest rate is 4.29 %. Also, at signing of the contract i was told their was no LIFT. I did not know that meant you would have to open the trunk manually. Here I stood befoe a salesman I told I need a car that is easy for a senior to operate and use. I am XXXX tall. I can not even close the trunk after i open it. I went back to the XXXX dealership and they told me their was nothing they could do. That model does not come with a LIFT nor is it companible to have one installed by them or a private dealer. It is a 2023 who would think there is no automatic trunk at {$38000.00} dollars???? 

I believe I was scammed and not given the correct information when I bought this vehicle. Now I find even the interest rate isn't even what they told me it would be. I have my contract for review if needed. 

That salesman is not longer with the company. I would like you to look into why he is no longer with the company. 

Any help you can give me to resolve this unhappy problem would be appreciated. I have never filed a complaint againt anyone and I stongly belive that XXXX in all scopes is not a reputable company to do business with. They need to be stopped before they scam any other unsuspecting senior citizens. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: Informative Research
State: MS

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of 2023 I was working with an agent of XXXX  at the time. I filled out an application online, but never went through with it. I found out later that the real estate agent XXXX XXXX had ran my credit without my permission or consent. I contacted her and asked her to have this removed because I never granted her permission to do so. XXXX XXXX stated she would contact all three credit borrows and have this information removed. Its been almost a year later and these hard inquiries are still on my credit. After contacting their customer service department, I was told there was nothing they could do because even though I didnt give consent for them to run my credit with an application being filled out, they had every right to do so, and I was also told that I cant see that information when doing so, but they can. I have an email from XXXX XXXX stating she was going to have these inquiries removed from all bureaus.

Company response to consumer: Closed with explanation