vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I leased a vehicle with Ally Financial from XXXX XXXX. During this time, I NEVER missed or had a late payment. When I returned the vehicle, they billed me {$510.00} and automatically took out {$280.00} from my account without my approval. When I called to get an explanation of the charges, whomever I spoke with told me that the {$280.00} was for a security deposit, which was never stated on the invoice. I then asked my dealership if they had any idea what this was for, and they told me to not pay anything until they could speak with them. Unfortunately, this was now XX/XX/XXXX, right when everything was shut down because of covid. I didn't hear from Ally or my dealership for over a year. Ally started calling again so I asked them to send me an invoice stating what I owe and why and then I would pay, but they never sent any documents. Eventually, they sent me to collections in XX/XX/XXXX. I paid the collections right away. I then called Ally to dispute the 'late payment ' they have reported to the credit bureau XXXX They refuse to remove the report even though they have on file that it says the invoices were sent to the wrong address. To add to this, they are saying that as of XX/XX/XXXX I still owe the remaining balance, even though I paid the collections bill on XX/XX/XXXX. I called the collections company to confirm and they said that it is paid in full and they will be sending it off to Ally as a dispute. Ally has reported a late payment for XXXX and XXXX, even though this was paid in XXXX! I have been extremely disappointed throughout this entire situation. Not only did they send the documents/invoices to the wrong address so I could never pay the balance, but their system also has still not updated the paid-in-full balance. I still believe the report should be removed, especially given the fact they have yet to update their system for the paid balance. This is one of the worst and most unprofessional situations I have dealt with.

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 2022-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the XXXX XXXX for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the XXXX CREDIT REPORT by CAPITAL ONE ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Recently, I, XXXX XXXX XXXX, the consumer was denied an extension of credit by TD Auto Finance, a Division of TD Bank , N.a . On XXXX, I applied for sales financing of a motor vehicle from XXXX XXXX. 
It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( C ) and TD Auto Finance, a Division of TD Bank , N.a . assumes civil liability pursuant XXXX XXXX XXXX XXXX ( K ). TD Bank has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, they are also criminally liable. TD Auto Finance, a Division of TD Bank , N.a . should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
The terms I request are as follows : 1. 7 % APR 2. {$150000.00} loan value 3. 84 months 4. {$0.00} down Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
This TARGET is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
TARGET/TD XXXX XXXX : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NM

Complaint narrative:
Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the SCRA ACT for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the Equifax CREDIT REPORT by XXXX XXXXXXXX ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NM

Complaint narrative:
Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the SCRA ACT for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the XXXX CREDIT REPORT by XXXX XXXX ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!

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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Hold on my account for 3 years. I written a letter to close the account. I spoken with the bank on the phone. I visited in person. Still refuses to close the account and give me my money. They are trying to send the money to the state of XXXX  for unclaimed money. The had refuse to talk to me and release my money to me. I have gotten sick and stressed out over this situation for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is to inform you that I sent money to the following number and email XXXX XXXX between the dates XX/XX/2022 - XX/XX/2022 amounting upto {$260.00} over a course of 5 transactions as shown in the image attached below. 

After making these transactions the beneficiary didnt receive the money into his account but only received a text message from the bank which the amount was debited to his account as shown in the image attached below. 

I filed a compliant with Bank of America, the company involved with sending and receiving the amount and they rejected my claim stating that the transaction was completed and they could not provide me with the above claim of said amount. 
Claim number : 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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This XXXX is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This XXXX is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}

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 2022-11-17 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: NM

Complaint narrative:
In accordance with FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. 
XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.

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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX I opened a checking account with XXXX XXXX  in Washington DC. I received monthly paper statements and continued my account when the bank was sold to SunTrust and again to Truist. 

In XX/XX/XXXX we sold our house in XXXX, Virginia and moved to a new residence in XXXX Virginia. During the first week of XX/XX/XXXX, I notified Truist of my address and telephone changes by going into my online account profile and making the changes. In XXXX and XX/XX/XXXX we received a monthly statement from Truist bank at our new address in XXXX, Virginia. In XXXX I did not receive a statement from Truist and received a notification in XXXX from Truist of a XXXX dollar return statement fee. I telephone XXXX and talked to a nice gentleman in XXXX for over an hour trying to straighten out what the XXXX dollar return statement fee was. He finally informed me that there had been a miscommunication between the various branches of the bank and my statement had been sent to my old address in XXXX Virginia. He asked me what I wanted to happen and I told him that I wanted the statement to be sent to my new address as it had been in XXXX and XXXX and for the fee to be reimbursed to my account. He assured me that this would happen. 
In XXXX I received another another notification from Truist that a XXXX dollar return statement fee had been charged to my account. In XXXX another XXXX dollar fee for a returned statement was charged to my checking account. I immediately called Truist and spoke to a young lady somewhere in the United States and explained what had happened. She investigated and informed me that I needed to go into my profile and change the statement delivery method from a paper statement in the mail to a digital statement. She stayed on the line and talked me through making the change to my online profile. She informed me that the change had been made and that I would be able to switch back to a paper statement in the mail in two months. Additionally she assured me that the prior XXXX dollar fees for the returned statements would be reimbursed to my account. 

Yesterday, XX/XX/XXXX I received a notification from Truist that a XXXX dollar return statement fee had been charged to my checking account. 

Im at my wits end and dont know what I can do to satisfy this mistake-prone financial institution. None of the fees have been returned to my account. 

I hope you have more success in resolving the situation than I have. 

Thank you for your assistance.

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 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
the company XXXX XXXX and XXXX called me twice before this year around XXXX, i did not get the person name as they asked for woman, however that don't apply to me and told them to remove my number from their list they said they would. today i had a missed call from XXXX when I called back I spoke to XXXX the receptionist as I did not know who called, advise they need to remove number she i cant i am just the receptionist told she works for them take it off. she then transferred and I spoke to a XXXX XXXX and immediately informed to remove my number and have before she we are looking for XXXX is the last i recalled told i have told yall before stop calling here and to remove my number she stated first of all you called me and you need to tone it down, i told her she was rude and i would placing a complaint with attorney general she said ok and then proceeded to hang up, when I hung I saw voicemail ( i don't have personal greeting ) with same number XXXX, hello we have an important message from XXXX XXXX and associates please call XXXX at XXXX extension XXXX thank you ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 Ive sent a request for validation from XXXX XXXX XXXX. This includes copies of documentation that represents a legal ledger in form of Purchase Agreement, Bill of Sale, or transfer of title. Furthermore, it must include a copy of the original agreement made with the principal creditor, XXXX Bank, and myself, outlined by my legal name. 
The document sent by XXXX XXXX XXXX is a statement that represents an account number and some billing statements that represent an account I had formally held with XXXX Bank. The Document doesnt represent a legal ledger in anyway. There is nothing that represents a purchase of such accounts. There is nothing that represents the amount paid, terms of the sales, principal agreements with parties involved. 
The document sent is Considered Hearsay, and I had recently won a judgment against XXXX XXXX under this very same pretense. The XXXX filed a lawsuit in pursuant of an alleged debt and a could not produce purchase agreement to validate that XXXX titleship of such accounts. 
PLEASE DELETE XXXX XXXX FROM MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO PRODUCE LEGAL DOCUMENTATION THAT PROVES TITLESHIP OF THIS ACCOUNT. 

XXXX XXXX XXXX Account number - 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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 Ive sent a request for validation from XXXX XXXX XXXX. This includes copies of documentation that represents a legal ledger in form of Purchase Agreement, Bill of Sale, or transfer of title. Furthermore, it must include a copy of the original agreement made with the principal creditor, XXXX Bank, and myself, outlined by my legal name. 
The document sent by XXXX XXXX XXXX is a statement that represents an account number and some billing statements that represent an account I had formally held with XXXX Bank. The Document doesnt represent a legal ledger in anyway. There is nothing that represents a purchase of such accounts. There is nothing that represents the amount paid, terms of the sales, principal agreements with parties involved. 
The document sent is Considered Hearsay, and I had recently won a judgment against XXXX XXXX under this very same pretense. The XXXX filed a lawsuit in pursuant of an alleged debt and a could not produce purchase agreement to validate that XXXX titleship of such accounts. 
PLEASE DELETE XXXX XXXX FROM MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO PRODUCE LEGAL DOCUMENTATION THAT PROVES TITLESHIP OF THIS ACCOUNT. 

XXXX XXXX XXXX Account number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans union XXXXXXXX XXXX XXXX XXXX  Refuse to send in documentation that shows they validated a XXXX XXXX that is showing on my Transunion and XXXX XXXX XXXX from the cXXXX XXXX XXXX instead they are using a non validated third party for incorrect information

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Experian XXXX XXXXXXXX XXXX Refuse to send in documentation that shows they validated a XXXX XXXX that is showing on my XXXX and Experian credit XXXX from the XXXX XXXXXXXX courts instead they are using a non validated third party for incorrect information

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Company had incorrect address didn't receive bill reporting on closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me.I am very annoyed and disappointed when I got my credit report just today.Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. I want this to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$85.00}

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 2022-11-17 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: NM

Complaint narrative:
In accordance with FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. 
XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.

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