vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/year>, I applied for a payment extension plan, or skip a payment, for the month of XXXX. I was approved, and required a interest payment of {$170.00} that day, and my next payment would not be due until XX/XX/year>. The payment was processed and my due date was updated on their system. Everything seemed fine. 
My payments have always been auto debited from my checking account by Ally, and since the account stated that my next payment of XXXX ( reduced payment due to interest payment made on XX/XX/year> ) was not due until XXXX. On XX/XX/XXXX, they attempted to debit my checking account the full payment amount of XXXX, and it was returned by my bank. Ally once again attempted to debit my account on XX/XX/year> and were successful, causing my account to be overdrawn. When I called Ally, they stated that I needed to have cancelled my auto billing in order for the payments to stop, which was not stated in any correspondence I was given when accepting the payment extension plan. They also stated that I now needed to wait a minimum of 20 days to receive a refund in the mail in form of a check, since they can not reverse payments. I now have an overdrawn checking account which will incur fees due to this, and they refuse to do anything about 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 explanation
Consumer complaint received 2024-04-25 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: MS

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Chowder, Inc.
State: TX

Complaint narrative:
Chowder , Inc. is using threatening and harassing tactics via phone call, text and in person. Chowder has trespassed on my property multiple times and has threatened to do so in the future as well. Under XXXX law Chowder , Inc. does not have a right to threaten or harass me on my property. 

I have requested that Chowder cease and desist from the threats and harassment but they persist.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phillips & Cohen Associates, Ltd.
State: TN

Complaint narrative:
I requested the original purchase agreement in XXXX of XXXX  to show that they are the legal owner of this alleged debt. Please include all the terms and conditions that are included in this purchase agreement. i never got said agreement. i am in the process of requesting it a second time because i have now received a XXXX to appear in XXXX XXXXXXXX XXXX while researching the company in question i found that they aren't licensed in the state of Tennessee for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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 have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone used all my information and opened two bank accounts with 2 different banks for checking and saving. It was not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXXXXXXG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
Per response from previous complaint ( attached ). Most of the response is not accurate. 

The email listed under my " Loan Specialist '' does not go to her ... as US Bank states, that email is for document submission only... how do I email my loan specialist, as no one ever answers the number listed for her or returns voicemails.

Why is she listed as my loan specialist if I can not contact her? 

*This loan has never been late. How could it be late if I was assisted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They assisted with 5 monthly payments of {$5600.00} and one lump sum payment of {$16000.00}, for a total of {$45000.00}. Please show me where and when these funds were applied and if so, how I still have a deferred loan amount of {$110000.00}?? 

I believe this loan has been reported inaccurately for over 4 years because of the calculations above not being applied to the account correctly. 

This in turn, along with the lack/inability to contact anyone concerning this, has destroyed my credit and made it impossible to modify or refinance this loan. 

I need to take some money out of this loan for XXXX XXXXXXXX and to reduce some other small debts, but have been unable to get approved because of the false reporting from XXXX XXXX. 

I would like a full complete detail of all payments made to the account and I would like the account listed as current, never paid late and I would like it noted that the forbearance and XXXX XXXX XXXX payments have no negative impact on my past or future credit worthiness. 

Regards, 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 2024-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/24 and XX/XX/24 I called Lowes Credit Card Company My Lowes Rewards and Lowes My Lowes Advantage card was changed to a My Lowes Reward Card. I did not request this I am now being charged a {$190.00} for a paper copy of my bill. I did not agree to this. Their only solution is for me to do E Billing. I do not want to do E billing I prefer to pay my bill with checks I want the card changed back to a My Lowes Advantage Card or to receive paper bill with no fee

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 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint because pro collect ink ink is a collection agency who refuses to allow me to create a payment plan I am aware that I owe {$1900.00} as they stated but I have sent a check of which they returned I sent another check through a company called XXXX XXXX they kept that one In the amount of {$30.00} which would which should have showed them that I was trying to make the payment I'm not I don't have the documentation at the moment because I am no longer in the XXXX XXXX program as this company has caused many hardships for me I have been homeless 3 times since this wrongful eviction the initial charge was from a XXXX XXXX breakup and I went to a XXXX XXXX XXXX and I did explain to the management in the leasing office that I wasn't going to be able to make the payment for that month so I paid for XXXX and then I moved out by the next month which should not have been filed against me because she said that it would be but either way the charge is there I have suffered for 7 years from this and it has caused such hardship that I have been homeless like I said XXXX times since this I have sent letters to pro collect I have called I have gone to their office and requested payment plans I was told they do not have a payment plan option i'm a XXXX XXXX XXXX XXXX XXXX I do not have {$2000.00} at one given time ever but I am reporting because they have not allowed me the opportunity to pay them back so that I could be better off and move on with my life while they have chosen to hold me down it's been past the 7 years And this item should be removed from my credit report as it has been from all of my other credit reports this is the only one that shows up on my rental history and I would like for it to be removed if it is not removed I would like to follow a lawsuit due to the fact that I have requested and basically begged for them to allow me to set up a payment plan due to my status as a single mother with low income

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-25 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 sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I withdrew a total of 3 private student loans with XXXX XXXX to pay for remainders of semesters for my XXXX program  between XXXX. The total cost of the XXXX loans were {$13000.00}. Navient took over my loans in XXXX and I have since paid over {$19000.00} as of XXXX and yet my balance is still over {$22000.00}. Not only has my monthly payment tripled, there is no end in site to paying these loans off. From XXXX to XXXX, I had difficulty paying this loan consistently which affected my credit severely. I additionally underwent bankruptcy in XXXX where private student loans were reportedly not able to be included. During this time, and multiple times throughout the years, my private student loans were recommended to be placed into forbearance. 

Since I have graduated with a XXXX 's and am currently obtaining my XXXX degree, I have not used any more private student loans and have been able to make scheduled payments. But it does not affect the principle due to the high interest rates. I reached out to Navient in XXXX, XXXX to determine if I was included in the debt settlement publicized in XXXX in which I received a letter saying I was not included in the debt settlement as I was " appropriately '' placed into forbearance and did not have financial hardship. This is simply not true ( my lowest credit score was XXXX throughout this time and previously mentioned bankruptcy in XXXX ( chapter XXXX ). I also requested my loans to be either consolidated or settled with a fixed interest rate as my interest rates are now between XXXX and 15 % depending on the loan. I was told this was not offered and they directed me to a third party ( XXXX ) for private loan debt consolidation. 

These private student loans are simply payday loans that young adults ( such as myself at XXXX years old ) do not understand and are unable to comprehend the potential repercussions of and how they will affect you long term. Sallie Mae/Navient has been a company that feeds off those who don't have other avenues to pay for education and trap them into lifelong payments. I feel I was overlooked for potential settlement and am not being given a clear reason as to why I was not included. I also feel that this company is NOT protecting consumer rights as deferment options were pushed multiple times throughout the process following obtaining these loans versus repayment options that are feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX signed up for experian for a 7 day free trial. I had completely forgotten to cancel my membership. I woke up this morning and I was charged {$24.00} XXXX contacted experian and the representative told me she is unable to refund me {$24.00} I said ok since you are refusing to refund me I will be contacting my bank to dispute it and I ended the conversation. I contacted chase and XXXX told me that the transaction is pending and to wait until it posts for a dispute to be filed. If experian isnt going to help me I will be contacting my bank to get my money back and Im never using experian again.

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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover claim some at corporate was going to resolve the issue. 
Its nothing but the run around. 

It all started from XXXX Harassing phone calls Etc. 

Story change one story after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have excellent credit. I make sure my bills are paid in full or at least make payments for more than the minimum due. I do this to lower the amount of interest I pay overall. I make sure I check my card twice a month and adjust my own spreadsheet to reflect any outstanding balances I have along with how much I pay on each bill. This month I noticed that this Bank of America credit card payment changed without my consent. I had an auto payment set up for {$120.00}. My payment is due on the XXXX of every month. I checked on this card and had seen the my entire account balance was going to be paid via auto pay. I did not set that up. I canceled that payment and made a one time payment. Today, XX/XX/year>. I went into my account to set up Auto pay for what it use to be set up for. Although in the descriptions for the types of auto payments lists an Auto Pay method of : Fixed Payment Amount ''. However that was no longer an option for an auto payment. I called and spoke to XXXX from Nevada at Bank of America. She told me that they no longer the fixed amount choice, leaving only the minimum payment due or the entire statement balance. The reason she tried to give me was that because sometimes peoples minimum balance due goes up and if the card holder had a fixed payment selected then that payment may be smaller than the minimum due. Although this may be true, I feel the real reason is to ensure people can not pay their credit cards off early. I feel that Bank of America has done this to get more interest out of people. They very well could have made an option for a fixed amount and not allow that amount to be less than the minimum due. Just like the option for the entire statement balance has an option to not pay that amount if it is over a certain amount that the card holder can select. This is a totally predatory practice. My right to choose to make a higher payment than my minimum due via auto pay has been taken from me unless I set up a different payment option from my personal bank account.

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 2024-04-25 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: NY

Complaint narrative:
About a month ago I realized there were fraudulent charges on my XXXX account. I called XXXX. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that XXXX has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called XXXX multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but XXXX can at least give me a letter saying this was reported my mistake. I also disputed this XXXX late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.

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