vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to formally express my dissatisfaction with Ally Financials handling of my lease extension request, which has resulted in unexpected daily fees and significant inconvenience. The sequence of events demonstrates poor communication and a lack of transparency, leading to what I believe are unfair charges.

Background I requested a 30-day lease extension to address repairs for a recalled part on my vehicle. Based on my interactions with Ally representatives, I believed that the lease extension had been approved.

However, I was surprised to receive a call from Ally weeks later, asking for the vehicles return. This was the first indication I had that my extension request had been denied.

Without any notification or explanation of the denial, I was subsequently charged daily extension fees, which I had not agreed to and were applied without my knowledge or consent.

Issues Lack of Notification on Lease Extension Denial I was not informed that my request for a 30-day lease extension was denied. This lapse in communication led me to believe that the extension was in place, causing confusion and financial repercussions when additional fees were charged.

Unfair and Unexpected Fees After learning of the denied extension, I was charged daily extension fees retroactively. These fees are unreasonable given that I acted in good faith, believing the extension had been approved.

Poor Customer Communication Allys failure to clearly communicate the status of my request left me blindsided by the charges and disrupted my ability to plan accordingly. This reflects a lack of transparency and customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I have different balances on my Citi XXXX XXXX  credit card ( different % XXXX, promo periods, loans, etc ). 

I used to have : - BalTrnOffer 5 : 0.99 % expiring XX/XX/XXXX. 

I waited until the next statement after XX/XX/XXXX to confirm " BalTrnOffer 5 '' no longer showed 0.99 %, but a high 24.24 %. I called to verify the correct payoff amount, then I paid {$15000.00} online on XX/XX/XXXX. This successfully paid off BalTrnOffer 5. 

The phone rep explained that I had accrued a little bit of interest by waiting to make a payment until *after* the statement. He said ( paraphrased ), " Next time, you can pay *on the day* the promo rate expires. You don't have to wait for the statement. 

That was great advice! The next balance to pay off was : - BalTrnOffer 7 : 0 % expiring XX/XX/XXXX Just to be extra safe, I called again on XX/XX/XXXX and/or XX/XX/XXXX. And again, the phone rep told me, " Yes, you can pay now because the promo period has ended -- and your payment will pay off this BalTrnOffer 7 balance. '' Perfect! I paid {$8500.00}. ( I believe I made the payment on the phone with the rep. ) But instead of paying down BalTrnOffer 7, my payment was assigned to : - Plan 4 : 60-month loan@ 8.99 % This messed up my entire pay-off plan because I was diligently monitoring and paying down my highest-interest balances first, wanting to leave my low-interest loan to be paid off at the end of its term. ( Plus, my loan was set for 60 months@ 8.99 % -- there was no need to pay this off early while BalTrnOffer 7 went up to 24.24 %! ) I talked to Citi multiple times ( at least half a dozen ) and each time was told they were investigating this matter to correct it. 

I specifically asked them to listen to the phone call on XX/XX/XXXX where I was told that my payment would pay off BalTrnOffer 7. 

On XX/XX/XXXX, I was told this recording had been listened to on XX/XX/XXXX. 

On XX/XX/XXXX, a phone rep said my request was resolved and I would see my corrected balances soon. I was also assured that the interest that had been accruing due to the mis-assigning of my payment would be credited to me. 

But all I have been receiving are generic letters from Citi explaining that payments go to balance in APR order from lowest to highest. ( I knew that -- that's why I was so careful to ensure my BalTrnOffer 7 was indeed high interest at the time of my payment. ) Sorry, this has been very frustrating. I believe I have a strong case because multiple Citi representatives repeatedly told me that my payment would pay off BalTrnOffer 7, specifically calls on : - XX/XX/XXXX - XX/XX/XXXX and - XX/XX/XXXX ( when I paid off XXXX XXXX ) Thank you very much for your help.

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 2024-11-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Your unauthorized derogatory rating has directly caused loan denials and increased interest rates across my credit accounts. This constitutes actual damages under federal law. You must immediately delete and block these negative marks from all three consumer reporting agencies.

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 2024-11-21 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: MA

Complaint narrative:
vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX XXXXXXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around s and then evrything goes from XXXX to worse inquirires on my credit report 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 non-monetary relief
Consumer complaint received 2024-11-21 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: CBC Companies, Inc.
State: MA

Complaint narrative:
vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX XXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around XXXX and then evrything goes from XXXX to worse inquirires on my credit report 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 non-monetary relief
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
The unvalidated late payments remain on my credit record despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
From XXXX XXXX I went to XXXX XXXX for my birthday when we landed back on the XXXX at XXXX XXXX XXXX XXXX I was waiting for my bags and checking my credit card statements when I noticed some fraudulent charges called my credit card company immediately canceled the card and put the charges in as fraud. Now here, a couple months down the road they sent me a letter saying they determine it wasnt fraud and charged me for it ive done everything I could talk to supervisors reopen the case. The bank basically told me Im XXXX  The charge was made in Texas while I was in XXXX XXXX digitally I showed them I was in XXXX XXXX and they still wouldnt help me. The crazy part is there was another charge from the merchant that they caught and didnt let go through, but then they let this other charge go through and wont give me the money back.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/year> Resurgent/LVNV Funding po box XXXX XXXXXXXX XXXX XXXX XXXX : Request for Debt Validation and Assignment Contract To Whom It May Concern I am writing in response to your recent communication regarding the alleged debt referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including proof that you have the legal right to collect on the debt. 
Account Number : XXXX Amount Owed : {$620.00} Original Creditor : XXXX XXXXXXXX XXXX As part of the debt validation process, I request that you provide the following : 1. The complete details of the debt, including the amount owed and the dates of the debt.

2. A copy of the assignment contract or any document showing that the original creditor has legally assigned the debt to your agency for collection.

3. A detailed statement of the account showing any payments made, interest added, or other adjustments.

4. Proof that your agency is licensed to collect debts in my state ( if applicable ).

Please note that I request this information within the 30-day period allowed by law, and I am exercising my right to dispute this debt until the requested validation is provided. Should you fail to provide proper validation, I will expect that this matter be resolved in accordance with the FDCPA, including cessation of further collection efforts. 
Thank you for your cooperation. I look forward to receiving the requested documentation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Recently 3 claims with mutliple disputed transcations got denied. I was told i had no way of opening a second claim the temporary credit was going to be taken from my account and much more. I faxxed over the documents requested to add to my case but you never provided a reply to this. I would like all my money back from these disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
I overpaid Mohela {$180.00} on my student loans before the loans were forgiven. On XX/XX/XXXX, I requested verbally that Mohela refund my account balance, and Mohela customer service told me that they could not do that because the Dept. of Ed. " handles overpayments. '' This isn't accurate. I followed up by requesting the refund from Mohela in writing on XX/XX/XXXX. Mohela responded in writing : " Dear [ NAME REDACTED ], Thank you for contacting MOHELA. Please accept our sincere apologies. We regret that you had a less than satisfactory experience during your interaction with us. We value your feedback, as we understand how important it is to offer exceptional service. Regarding your request ( s ), Our records indicate, an escalated request to refund the credit balance has been submitted on XX/XX/XXXX. Due to the time frame involved ; we have sent your request to be expedited. Once this has been processed, we will send you an updated response. Please allow up to 15 business days for processing. We thank you for your patience. Refunds from the Treasury may up to 90 business days. '' I requested an update from Mohela via email on XX/XX/XXXX and was told that my case was too complex to handle in writing and that I would need to call Mohela to discuss the matter. 

I filed an additional complaint with Mohela on XX/XX/XXXX requesting an update in writing. 

I called Mohela on XX/XX/XXXX for an update and spoke with a customer service agent named XXXX, who told me I had a XXXX balance and asked me " where I was getting my information. '' When I provided the dollar amount, he told me that he " was able to find the information '' and that they would " submit a ticket to escalate the issue, '' which takes " 5-7 business days. '' I called on XX/XX/XXXX and was on hold for a total of two hours after speaking with two customer service representatives who " could not see my account info '' and " couldn't help me. '' When I was transferred to " someone who could help, '' those representatives did not pick up the phone. 

It's been 136 days since I requested a refund in writing. Mohela has acknowledged that a refund should be processed, and they refuse to initiate a refund of the funds they owe me or provide an update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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, oth
er 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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
My loan servicer, Mohela, failed to transition me to general forbearance after my processing forbearance expired. I applied for the SAVE plan in XXXX. Because they did not make the necessary changes, I have accrued approximately {$10000.00} in interest. Despite providing proof from the Federal Student Aid website that this is the required protocol, they have refused to correct the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation