vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a letter that CFPB that there was a settlement with GreenSky LLC. The letter guidelines said to go to a secured website www.greenskyprogramsettlement.com in order to apply to see if I was eligible for compensation. On XX/XX/XXXX, I received a check of {$24000.00} that was erroneously addressed, my name was incorrect. Since my name was addressed wrong, my bank would not accept the check. The check only had two last names, in wrong order and did not include my first name. I have never paid my account and my account was never set-up with the two last names in the wrong order and I always paid with my first name and last name, not the two last names in wrong order. 

I called on XX/XX/XXXX and I was told to submit an inquiry at XXXX. I also called and spoke with XXXX and she told me to send documents with my correct name and to void the check in order to process a new check. I sent via mail per their request on XX/XX/XXXX and on XX/XX/XXXX I also sent via email. I never received any responses via mail or email. I sent via email multiple times documents that showed my name on payments and their letters that showed my correct name. I continued to call the XXXX to get updates and all the people I spoke with said to wait 3-4 weeks. 

XXXX ( account rep ) told me on XX/XX/XXXX said that Greensky is not authorized so they can't change the name and to call Greensky directly, so I called GreenSky and they also told me that they can't help me. Finally on XX/XX/XXXX per another conversation with XXXX ( another rep ) requested that I write another letter to explain my situation again. My last call was on XX/XX/XXXX and XXXX said that she would investigate on Friday or the following Monday but I never received a call back. I proceeded to send another email on XX/XX/XXXX. Please help me, I have not had a response, my account was never set-up with these two last names in wrong order and without my first name. I still have not received a new check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
During or prior to me being called for XXXX XXXX service, I purchased a vehicle, financed by GM Financial. I, at the very least, made one installment payment before I was called on XXXX XXXX. During or while our I was serving on XXXX XXXX, GM Financial unlawfully repossessed my vehicle without a court order. Accordingly, GM Financial is subject to civil and or criminal penalties arising from a violation of the SCRA. 

On XX/XX/, I sent a letter to GM Financial ( through counsel ) explaining my position and demanding a resolution including a plateau of military orders as supporting documentation. 

On XX/XX/, GM Financial sent me a letter ( through counsel ) stating that they relied on the XXXX database verify XXXX XXXX time ; however the XXXX does not cover periods of XXXX XXXX time performed by reserve servicemembers. Therefore, upon request, I provided GM Financial additional copies of military orders on or around the date of repossession and for one year prior as they indicated they would reevaluate their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX  date opened XX/XX/2022. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!

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 2023-07-08 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: TX

Complaint narrative:
On XX/XX/23 XX/XX/23 I have contacted Equifax XXXX XXXX XXXX XXXX via certified mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of ssn also proof of FTC XXXX AFFIDAVITS stating proving my claims However XXXX XXXX Equifax failed to protect my consumer rights accordingly to section 605 of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH PARTY Im attaching Proof of address proof of ssn Proof of police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: TX

Complaint narrative:
On XX/XX/23 XX/XX/23 I have contacted XXXX XXXX XXXX XXXX Experian via certified mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of ssn also proof of FTC & AFFIDAVITS stating proving my claims However XXXX XXXX XXXX failed to protect my consumer rights accordingly to section 605 of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH PARTY Im attaching Proof of address proof of ssn Proof of police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Last year I was randomly blocked from signing into my PNC account. I had a pending wire for XXXX $ that never arrived to the recipient ( XXXX XXXX XXXX ). I had wired money to XXXX  many times with no issue. 

At this point they have NOT released the funds that were left in my account ( XXXX $ from the wire that never went through ). I STILL receive emails from PNC every day stating that I have a low balance of XXXX XXXX this is because PNC XXXX  out my account and to this point ( over a year later ) has not given me an explanation as to why my account was closed OR when I will receive my funds. 

I have visited PNC bank in person and spoken with a banker. Even they tell me they are unable to help me. 

Are banks allowed to take my money and hold it for years without giving me any reason for doing so? 


Ive attached a screenshot of the email I continue to receive DAILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 XXXXXXXX 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 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 2023-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I disputed two separate accounts with Navy Federal, on all three of my credit reports. I have sent Navy Federal and all three credit unions written notification, asking them to send back verification, and the original signature page showing these two accounts belong to me within 30 days. I have submitted these disputes multiple times over the last year and seven months. Navy Federal sold the car loan with out verification right before the retention date whats up and Ive asked the new company to send verification and I havent. The same thing has happened with the credit card that is still on my credit for {$6000.00} and it needs to be removed immediately because I have continuously disputed these accounts with Navy Federal asking for verification and they continuously verify the information through the automatic credit bureau system, and they never send me a signature page, the address it was attached to and a certified verification letter in written form, so I need for these two accounts to be removed from all three of my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I purchased a new XXXX at XXXX XXXX in XXXX Florida. I was told by the finance XXXX XXXX XXXX that my new car payment was {$680.00} a month. He also said the vehicle " came with warranty up to XXXX miles, GAP and scheduled maintenance all included '. We then proceeded to sign on a digital screen again repeating that my payment was {$680.00} with all those included benefits. At the end he hands me my document folded and packed into a medium sized orange envelope. Few days later at home I unpacked the documents to create a file and saw my copies of the contract. In it I saw a payment of {$870.00} dollars and an itemized description of all the " included benefits '' he described with dollar premiums on the contract. I was in shock and in research realized that those products were optional and i was never told. I immediately called XXXX XXXX and asked for an explanation and demanded that the deal be rescinded. His answer was that my reaction was typical and that I could trade out of the vehicle in 6 months. As a single mother I really feel that I was taken advantage of for trusting what I thought to be a reputable dealer. I have limited to no resources and can barely afford this. I would have never agreed to a payment of {$870.00}. I sincerely feel that as a woman I was taken advantage of in more than one way. I don't even have the means to afford legal counsel in order to assist in fixing what I think this is. This person is trying to get away with fraudulent and malicious intent. The dealer is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. Phone number is XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: NV

Complaint narrative:
Prior CFPB case XXXX In follow up to the bank 's prior response. I do not understand why they reported the account 30 days past due for XX/XX/2023, after I satisfied the XX/XX/2023 payment due when I brought the account current with a payment on my XX/XX/2023 call. I realize they indicated that they sent me statements, however, in the same call mentioned above I repeatedly did ask the agent and they confirmed I was good, and the next payment was not due until XX/XX/2023. The information that they confirmed when I called was misleading which resulted in the past due status of the 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 non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid 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: WI

Complaint narrative:
I have had four texts, emails and phone calls about fraud on my card. Four times in two weeks. When I called they said they cancelled it. Then I got another text/email and phone call about fraud on a card that's not even mine. I called on that one, they said they cancelled that one, which one? It wasn't mine. Then I went online to check my status and another two fraudulent charges were on my new card. I called and they cancelled the new one. Then on XX/XX/23 I got another fraud text/email/ phone call on my card. I called again, she said it's the same issue and the card has been cancelled, they're just re-sending the texts/emails/phone called. She said she'd note to stop sending the messages. That's not a resolution to me. What is going on? Obviously Citi is out of control.

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 2023-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I received a call threatening me to pay {$13000.00} on a vehicle that I purchased in XXXX. They said I should have continued to pay insurance. They threatened me that I would be served within the next hour. They also said the old credit will be added back to my credit report destroying my current credit score. They had all my credit cards limit and all public record information This message is intended for XXXX call us pertaining to case number my name is XXXX XXXX the county XXXX  division this call is notification that attempts will be made issue certified legal documents requiring your signature if you will not be available to sign or if any changes need to be made to the time date or address of service or for more details you must contact issuing firm ______ handling your case their contact number is XXXX and reference your case number failing to contact the issuing firm may result in a failure to appear to be issued in your name this is a very time sensitive matter you have been notified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, Today I contacted Wells Fargo Bank again, and the call lasted for 50 minutes. They informed me that they have processed the following XXXX transactions and provided claim IDs : XXXX XXXX XXXX XXXX However, the issue is that when I asked whether I need to pay these pending claims next month, they kept transferring me to different departments without providing an answer. Finally, they told me that these claims are still waiting for me to provide documentation! 

I have already mentioned that I reported each claim to the bank over the phone, providing all the specific information based on the questions they asked. Yet, they refuse to process them and continue delaying intentionally. They claim that I havent provided the information, but how is it possible when I already have the claim IDs? It is clear that this bank is taking money without taking action! 

I hope the authorities will step in to supervise and address the disgraceful behavior of this unscrupulous bank! 

XXXX 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 explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
Ollo credit card company let XXXX take total of {$210.00} I never had a XXXX account I had to call XXXX and got them to refund my money back but Ollo card services say they didnt Ive bin fighting with both of them sense 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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have written letters via certified mail to notify XXXX that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for XXXX to update my address and personal information. My XXXX file should only show XXXX address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have written letters via certified mail to notify XXXX that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for XXXX to update my address and personal information. My XXXX file should only show XXXX address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been trying to rectify erroneous information on my credit report through Experian for the date below for quite some time now. Each and every time I dispute the information below, Experian returns a result of " verified ''. The information is incorrect and most recently, I reached out to Experian for the specific methods used to investigate my dispute and the response was the same. This erroneous data below does not belong on my credit report and Experian is not following the CFPB Guidelines for investigating a dispute. Experian has not provided the requested information regardless of my specific ask as to how this information was verified. Below is the letter I sent to Experian 's attention by Certified Mail. The receipt is attached. Thank you for your time. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX Current : Account previously in dispute - investigation complete, reported by data furnisher Previous : Account previously in dispute - investigation complete, reported by data furnisher XX/XX/2023 to XXXX XXXX XX/XX/2023 Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX DT XXXX XXXX  XXXX The account mentioned above was recently disputed due to the inaccurate information it contains. Experian returned the dispute as a Verified Status. 
Please provide the requested information below according to the Consumer Financial Protection Bureau. 

ALL information in my Consumer File along with all applicable data regarding the dispute listed above. 
Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in my Consumer file at the time of the request The name of the person who investigated the dispute XXXX XXXX XXXX The methods that were used to verify the disputed information XXXX XXXX XXXX The results of the investigation XXXX XXXX XXXX Sincerely, 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 explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
I was reviewing my credit report and noticed that they have reported that I owe them a debt. I never received notice prior to this being placed on my credit report. My rights were violated

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