vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Wheel City Motors East, Inc.
State: SD

Complaint narrative:
My complaint is for vaguely threatening collection attempts. I unfortunately don't have the specific date but it's happened twice now where I have contacted the 3rd party financial institution that works with the car dealership to let them know that there was an issue with either a paycheck being short or some unforeseen reason that my ACH payment didn't go through. Both times I am addressed rudely and unprofessionally about the situation and they won't give me any specific information regarding late fees or repossession. I have never been more then maybe 8 days late on my payment, and it's only happened TWICE in the last year. The most they ever give me is " we have no grace period. '' and " we can't say what will happen with you being delinquent, but something will happen. ". The payments they pull are inconsistent as well, it varies from {$260.00} to {$270.00} but no one seems to be able to explain to me what the {$10.00} difference is. As a consumer I believe it is within my legal right to know what my time frame is for certain consequences as well as an explanation for the different charges. I have reported their behavior to the car dealership as well and was apologized to but nothing changed otherwise. I have made early withdraws from my IRA to pay them due to the vague threats they give when I have gone past due because I truly don't know if they'd repossess my vehicle for being a week late, so now I have at least 2 extra penalties I'm going to owe the IRS come tax time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX I purchased a new XXXX. I attempted to connect the Apple XXXX to my bank account. In the process, it asked a number of financial questions. Unbeknownst to me Apple and Goldman Sachs opened a credit card in my name. Sometime in XXXX I received a collection for a {$25.00} charge for XXXX that I have never made. I disputed the charge with Goldman Sachs and asked they provide a proof of the charge. I also canceled the credit card as I had never consented to it. Goldman Sachs never provided any proof or supporting information that I had made a charge. They bizarrely insisted I did. 
I did not make the charge, nor anyone I know. 
It was completely fraudulent. Despite my exhaust of efforts to dispute the charge with both Goldman Sachs and Apple XXXX, I was stonewalled with no reply, or a denial of my request, stating i agreed to the charge. I did not. I went through the extra effort of writing to the president of the company with absolutely no reply. It began to appear on my credit profile and affected my credit score and I paid the {$25.00} under protest to clear my credit. Regardless, it remains on my credit to this day as a collection account in violation of all my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2023 on my citicash card ending in XXXX I disputed a charge from an XXXX for {$190.00} from XXXX. 

At the XXXX XXXX XXXX I had called an XXXX and gave them my Citi XXXX number I was not in XXXX When I went to the XXXX stand there was no XXXX which I had called and no message from an XXXX driver. 

When I received my statement there were two charges for {$190.00} from the XXXX XXXX. I talked to XXXX at Citi on XX/XX/XXXX at XXXX XXXX  He said because I was a valued customer he would remove {$180.00} When I called next morning to pay my {$710.00} Citi bill the {$180.00} had not been removed Also XXXX said he had emailed me a letter about protesting the second XXXX {$190.00} charge as I had not received the original letter sent to me. From XXXX XXXX  on XX/XX/XXXX I talked with three or four reps from XXXX and XXXX until XXXX XXXX  mostly waiting on hold.. 

I told them I had memorized the card ending in XXXX and wanted to keep that credit card number. Also I did not want the hassle of calling ten companies to tell them because of a disputed charge I had to give them a new autopay CC number. 

XXXX the US supervisor who I got to after an hour took 15 minutes and removed the second {$190.00} XXXX charge and tried to help me keep the XXXX number I memorized, I am XXXX XXXX XXXX by the way. but he would have to go through fraud and I would have to get a new card to memorize and call the ten companies i have on autopay. After waiting another XXXX XXXX i got to Fraud in XXXX and they hung up on me. 

I am asking for the XXXX card to be reinstated and the removal of both {$190.00} XXXX charges I have disputed I spend {$100000.00} a year on credit cards and have an XXXX to XXXX credit score so I am worth keeping as a customer and having my request heard. 

Thank you XXXX XXXX PS I dont have these problems with 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 monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MN

Complaint narrative:
The original amount estimated for my monthly payments to EdFinancial Services was XXXX dollars a month with a term of 118 months a few days prior to the end of the national emergency forbearance. I made a request for an income driven repayment plan for Public Service Loan Forgiveness and was quoted an amount of XXXX dollars a month for the 120 payments need to qualify for PSLF. The current amount due as of the end of forbearance is XXXX dollars and the loan term is now 11 months according to the information given to me online. This amount makes zero sense and I did not agree to it anywhere. Attempts to contact the company are met with wait times of 7-8+ hours and promises to call back after XXXX but no calls back have been made. I have since made a consolidation request with the education department to turn these 4 loans with the balance of XXXX dollars into a single loan that would be qualifying for PSLF through an IDR with a difference servicer ( XXXX ) and do not wish to be stuck with this interest or the bad marks on my credit for not paying an exorbitant amount on a ridiculous term that does not adhere to the standard or extended payment terms for the amount I owe according to the Education Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/2023, I made two purchases worth {$1000.00} each. One of these purchases was credited to the balance from the previous month 's statement. 
Although I received the {$1000.00} credit, I am confused as to why Wells Fargo applied a non-existent {$1000.00} to my XXXX statement balance. 
The purchase and credit amounts should be settled within the same month. Applying a credit issued in XXXX to a previous statement balance is strange and unusual because the credit does not represent an actual payment received by Wells Fargo from my bank. 
The {$1000.00} is merely a numerical transaction affecting the total amount owed for a specific month. 
The {$1000.00} credit can not be applied anywhere until the {$1000.00} transaction is paid, so it is unclear how an unpaid credit ( strange to even describe it ) can be used to pay an actual statement balance. 
Although technically this practice may help the credit card user, because it delays paying the amount owed, the practice is simply strange and confusing for a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: MD

Complaint narrative:
There is inaccurate information that keeps getting reported on my Experian report about my XXXX XXXX credit card from XXXX ( XXXX ). They filed a 1099c cancellation of debt with the IRS discharging the debt on XX/XX/2020, which also means I paid taxes on this cancellation of debt that year because its considered taxable income. I filed a dispute with the company and Experian failed to report accurate and complete information. I have a transcript of my 2020 taxes from the IRS which clearly shows the debt was discharged on that date. If a debt was discharged, how can my credit report reflect a debt owed and past due balances for years after the debt was discharged? Experian is not doing their job according to the law.

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 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/XXXX I charged a hotel room to my corporate card. The hotel room was not actually available as the system was down. I spoke to person at the front desk who assured me that the charge would be removed. After returning from my trip there were two charges. One for the room at {$140.00} and the other was {$100.00}. I opened a dispute with US Bank. Our travel agency called the hotel and they had charged me for a room and the other charge was a pre-authorization fee for the room that was supposed to drop but did not. US Bank requested documentation by XX/XX/XXXX. I sent them the documents on XX/XX/XXXX. A week later they ruled in favor of merchant due to me not responding. The hotel credited me back for the room fee but not the {$100.00} fee as they didnt have any record of this. I called US Bank again and explained that charge and they said they were going to review, but I have not heard anything back. Also, since they ruled in favor of the merchant and closed the dispute, due to company policy I had to pay that fee out of my pocket. I do not understand how a bank recognizes its a pre-authorization charge common in the hotel industry that never dropped AND was informed that the merchant has no record of it that I was forced to pay for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am requesting this account with XXXX XXXX account # XXXX be removed from my credit report due to inaccuracy and false reporting due to XXXX and Equifax reporting different payment history. 

Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove account immediately or provide proof of late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am requesting this account with XXXX XXXX account # XXXX be removed from my credit report due to inaccuracy and false reporting due to Experian and XXXX XXXX different payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove account immediately or provide proof of late payment history.

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 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Banking relationship for XXXX  years with Citibank which included bank accounts and multiple credit cards. I always conducted my business with CITI in accordance with their stablished guidelines. To my surprise and without any warnings on XX/XX/2022 I received a letter from CITI advising they were closing all my accounts, I went to the branch to request information and they said that the only way to request information was writing to the company. I wrote them a letter asking for the reason and the only answer I got was that they reserved the right to close my accounts. I feel that I was treated unjustly and at least I deserve to get an explanation. I had no overdrafts, always paid my credit cards on time and I consider myself to be an honest person, the way they closed my accounts made me feel like a criminal, specially after calling the XXXX  number where an account specialist told me that it could be for several reasons including money laundering.

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 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I've had an account with Huntington Bank for the past six months. However, I recently noticed some unauthorized charges on my debit card. I lost my card, Phone & backpack but even after locking it and traveling to XXXX, a transaction was posted, and my money was taken. XXXX I filed a dispute for {$500.00} + {$500.00} = {$1000.00} ( XXXX  and XXXX XXXX ) XXXX I was informed that I would receive a provisional credit within one business day, and if I didn't, I should contact the dispute team. Unfortunately, I didn't receive the credit today, and now the dispute team is saying it could take up to 10 business days. now they are saying they have denied the case as for the transaction they sent me a text message and there was approval from the phone. My question is when I lost the phone, card, and laptop then how can I reply yes, why I should suffer an unauthorized charge from my account? Please help me get my money back as soon as possible. I have to pay my son 's hospital bill by tomorrow. 
Even I have testimony for the other 3 people with whom I went to XXXX  as well and you can contact the US and XXXX  border protection. they have my entry exit details. 
My account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: TX

Complaint narrative:
Unauthorized inquiries on my credit file. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian, remove XXXX XXXX from my credit report for inaccuracies. You reported me late while XXXX reported me on time. Remove immediately this account as it is inaccurate. Keeping it will be a violation of the FCRA!

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 2023-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I signed up for a TD bank acccount. I signed for a checking account and a savings account. there was a {$200.00} promotion for each account equaling {$400.00} dollars. I was told i met the promotion requirements but i have not received the funds due to the fact that due to " system outage '' that was XX/XX/2023. I was told to wait two to three weeks and now i am still being told there is a system outage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My situation is that every month Im fined late fees and interest charges by PNC XXXX because auto pay has not worked. Every month I set it up again and the same thing happens. PNC Customer care told me their system may have a fault with external bank payments and they me asked me to fill in a paper form, and mail it to PNC. Theyve not agreed to waive my fees. 
This has been happening since XX/XX/2023, and every month I have to call them and complain. Their system does not preserve audit trail which is a regulatory requirement as far as I understand. 

PNC Bank only agrees to look into the incident after I posted on social media- XXXX and on XXXX. 

Even then, the executive from the Cotporate leadership team that was assigned to me, stopped responding to me and the issue with my fees and interest charges continues although I set up payment every month. 

As per consumer banking rules, if the fault lies with the banks systems, the consumer cant be asked to pay? No? 

Worse of all, PNC has told me they dont keep an audit trail of such activities. It means Tbey cant even tell me when Ive set up auto pay and why it didnt work. 

Lastly, PNC told me I was free to go outside of PNC ( small claims court, consumer finance protection bureau, etc ) to get it resolved because they cant fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02 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: NY

Complaint narrative:
I Have been disputing these fraudulent inquires on my credit report for the pass couple of months now and the credit bureaus have yet to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Was in an accident and was in hospital for several months. Did not receive my information on payment. Once I was better I paid off the amount owed. Recently tried to dispute so that my credit can be clear, however it was denied.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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