vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
We refinanced our home in XX/XX/XXXX and our mortgage company paid off numerous credit cards including Ally Financial. Back in XX/XX/XXXX when our mortgage company pulled my credit report, they made the payments to the various credit card company including Ally financial ( shown on this report ). An over payment was made to Ally Financial on XX/XX/XXXX in the amount of {$1000.00}. We were informed by Ally Financial we would receive a reimbursement within XXXX business days of our request. We have yet to receive a payment or a call back as of today, XX/XX/XXXX. 
I have email communication from XXXX in the " Executive Customer Auto Relations department '' on XX/XX/XXXX, informing me she has received my concern and will research and provide a timely response soon. I have emailed her back XXXX  and also placed a phone call to her at XXXX and left XXXX voicemails to no avail. I want this over payment returned to me immediately. My lease does not expire until XX/XX/XXXX. At that point, I will make a decision to either keep the vehicle and purchase it or turn the vehicle in. Ally Financial has no right to withhold my over payment.

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 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 2024-04-09 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: FL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 non-monetary relief
Consumer complaint received 2024-04-09 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: NJ

Complaint narrative:
Equifax refuses to do a thorough investigation into my XXXX XXXX account and the XXXX account. They have not completed a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry SVP I LLC served me with papers of a law suit involving a debt from XXXX XXXX XX/XX/XXXX. I have been requesting statements, and proof of this credit card application etc since then. On XX/XX/XXXX we had a mediation hearing where the attorney said that he would email statements, payments and other details. I have sent 4 emails in just the last week since the mediation and nothing has been sent. I have not been XXXX XXXX in 16 years and yet they claim I opened an account in XXXX with this name which would be fraud. All of my XXXX  records show that I use me bank card and a XXXX XXXX on occasion for payments. I have not received any evidence, or documentation that they claim in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been trying to unfreeze my credit report to get a loan. When I try to reset my password I am asked for my phone number. I provide the phone number but the website says that it is not a correct phone number. The phone number is correct as I have been using the same phone number for many years. I can not reach anyone to assist me. I need to be able to lift my freeze now.

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 2024-04-09 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: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have a credit card with Huntington Bank. They sent me an application that had a balance transfer promotion of 12 months, 0 interest. I transferred some balances and was assessed a fee for each transfer which I knew would happen. Then I made a few purchases on the card. I was unfamiliar with how interest was calculated with Huntington but it isn't like my other major cards. To avoid interest with Huntington, you have to pay off purchases before the due date of the month they are charged, unlike other cards that you have to pay the balance of the statement by the due date. My statement date is the XXXX and I made a purchase on the XXXX. Since it wasn't on my statement, I thought I had until the next statement to pay it off but I was wrong, it had to be paid within that month. I was charged interest. I paid the amount off and was charged interest and the balance that calculates the interest was not reduced by the full amount I paid and neither was the promotional balance. On the XXXX statement the purchase balance was {$2200.00} and the promotional balance was {$8800.00}. I paid {$2700.00} to pay the purchase balance off and the XXXX statement purchase balance was {$1500.00} and the promotion balance was {$8700.00}. When I called, they said ( and it is on the statement ) as long as there is a balance, I will be charged interest. My compliant is that the promotional balance is creating interest on purchase balance even when that balance is paid off. That was deceptive because I did the balance transfers with the understanding that I was charged a fee at the time of transfer and wouldn't be charged interest if I paid it off in time but the bank is charging interest on other purchases because of the promotion and only framing it as interest on purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
They repossessed my car illegal. So they could keep selling the vehicle and kept my payments in XXXX so my vehicle would go into repossessed status and I called them and notified them of my change of address as well I never tried to not make my payment even if it was late. As well I have proof my car was stolen and it cost me a XXXX  so I could have caught up with payments. Ally financial group is some frauds and scammers

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 2024-04-09 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My accounts were with Wells Fargo for XXXX  years. I had bill payments set up and they sent them several weeks prior to my request. This was not authorized by me. I asked why and they gaslit me and were evasive and never gave a response. Then they shut my debit card without notice causing a lot of stress. I asked repeatedly and again they were evasive and gaslighting. They seem to enjoy being rude. Seems like they dont have any regard for their customers as can be shown by the many class action lawsuits against them. Ive slowly been closing and limiting my account with Wells Fargo due to far too many bad business practices I have seen them do. I kept XXXX account open minimum funds. Accidentally a bill pay which I forgot to switch over to a new bank and account went to Wells Fargo. That transaction put my account at XXXX dollars. The next day XX/XX/24 I initiated a transfer from a current bank in the of {$190.00} to cover that and to put some extra into this we account. While waiting for this to post I got an overdraft fee of XXXX then the next day another overdraft fee because again a bill that went to wf in the amount of XXXX. Wells Fargo still hadnt posted the funds ( XXXX. ) I had transferred in to cover the XXXX charges of {$54.00} and {$7.00} So there were now to exubrante overdraft fees if {$35.00} each posted. Wells Fargo seems to have selective posting. They repeatedly show shady practices. I contacted them however the customer service people were rude and annoying. They seem to breed a culture of gaslighting and annoying customers. They would not assist. They said that the automated system said I had an overdraft fee reversed several months ago. I closed my accounts at that time and the remaining account was at minimum funds. Every opportunity they get to swindle customers they certainly do, seems like they are set up to do harm to consumers and steal from them. This is horrible

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 2024-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I applied for HELOC and on XX/XX/2024, I received a request for information with a deadline of XX/XX/2024. I provided all the required information plus many more documents. On XX/XX/2024, I received a notice Notice of XXXX XXXX. I sent an email to XXXX XXXX XXXX and XXXX XXXX but they were not responsive.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I traded in my vehicle and was informed that the payoff would reflect before the 30-day mark. Unfortunately, the payoff took way longer than was told. I ended up calling and making the extra payment anyway to prevent a credit hit. I was told that the payment was made on time and would not show as late. The payment was never needed and the refund check is already being mailed back to me. This should have never happened and I would like the late payment to be removed and updated correctly. 

Trade-in Date : XX/XX/24 Extra Payment Date/Phone Call : XX/XX/24 Inaccurate Credit Report Date : XX/XX/24

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 2024-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
After XXXX XXXX when the vehicle was taken, I reached out to the company for a full list the expenses that were incurred and to whom the would be paid to. Instead of providing me this, they conspired with the intermediary company and the tow truck company to assess fees and charges that were not agreed to or part of the original repossession process. I asked for my funds back and to be credited appropriately and they acted in bad faith, along with federal agents ( XXXX XXXX XXXX ) who asked them to assess fees and charges to attempt to entrap in a fraud scheme, instead of acting in good faith and according I, the customer, with the respect, dignity, and fiduciary fidelity accorded to me as a customer and them as merchants,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION
State: KY

Complaint narrative:
I never received my card. 
After my pay was deposited it was all stolen off my card. 
I never received it and never got to set my pin. 
Alliants response was sometimes cards get stolen but we don't cover that. 
This is wrong. 
I also asked for the information they used in the investigation and they refused. 
I've been banking with alliants for XXXX  months and never had a problem untill now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was notified that due to a recent credit report, Citi reduced my credit limit from {$3000.00} to {$1600.00}, with my current balance of {$1500.00}. This new limit is only {$47.00} over my current balance due. There was no legitimate reason to do this to me as I have never paid late and had often paid more than the minimum due. I called to request the limit be increased back to the original limit since the new limit is too close to my balance and I don't want to incur over the limit issues. 

They have refused to increase it to the original {$3000.00}, stating their decision is because of a late payment on my credit report- which was an error last XXXX involving a different card- and that company issuing me the card that received a late payment did not reduce my {$4000.00} credit limit. 

Citi 's refusal to reinstate my original credit limit will now bring me very much closer to the 100 % credit utilization - at 97 %- which will negatively affect my credit score - I previously was approximately XXXX  % utilization with this card. 

Their decision will also cause me to go over the credit limit of this card once finance charges occur, which would subject me to any negative results with Citibank- but will also result in other credit issues since credit utilization is a part of my credit score and if their actions force me to exceed 100 % of the limit, my score will decrease further. 

This is an unethical decision and it could also potentially result in employment concerns since my employment position requires a positive credit score.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called US Bank customer service to remove an authorized user on XX/XX/2024, about a month ago. They told me the user would be removed in a few business days. However, I still see this user listed in my Authorized Users list on the website. This person, XXXX XXXX, does not want to do business with US Bank any longer, and asked me to remove her from 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 2024-04-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I obtained this gift card from my job and I tried to use it immediately, but every retailer i tried using it on was declined, soI called American Express customer support on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I called the solution was to not use it at whatever retailer I was trying to use it for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
On XX/XX/2023 Midland Credit Management reported a collection account to XXXX, XXXX and XXXX Credit Bureaus stating that I owe them {$970.00} I sent them a cease & desist by certified requesting that all reporting be ceased immediately, unless they can provide me with ( proof ) of an agreement between them and myself with my signature ( wet ink ). ( Violation- 15 U.S. Code 1692g ) They have not, I did receive my verification that the mail was signed for ( received ) they have yet to cease reporting this collection account and it is causing me hardship and is a violation of my consumer rights according to U.C.C. 1-308.4 So again I ask for a cease and desist of all collection activity and removal of adverse information on my consumer report immediately.

Company response to consumer: Closed with non-monetary relief