vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally financial has refused to give me the correct routing information to pay the loan off. Ive sat in my banks office with the branch VP on the phone with Ally and they just keep giving excuses on why they can not give me the routing number, they complain they can not hear me yet Ally is the only place I call where everything is garbled. I just want to pay this loan off, they can not accept a credit card payment large enough to pay it off without me making 3 separate payments over 3 days, all while they still charge interest!!! 
I have no idea how they are allowed to bully their customers!

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX  XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) Paid balance in full XX/XX/XXXX and still showing in my Equaifax and XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have had my own credit card with Capital One since XX/XX/XXXX, which started out with a {$3300.00} credit line. I have requested a credit line increase every 6 months since then and received from a {$1500.00} to {$4000.00} increase with each request. Neither my income nor my employment have changed, except in XX/XX/XXXX I went back to XXXX XXXX XXXX XXXX  at the same employer where Id been working in a different capacity and continue in that capacity as well. My credit line is now {$13000.00}. I asked and have asked each time for a credit line increase to {$20000.00}, which my ex-husband and I had on a credit card for about 20 years prior to my getting my Capital One credit card. 

On XX/XX/XXXX, I requested a credit line increase, 6 months since my last request. The request was declined by letter posted in my account on line to which I was emailed a link. None of the reasons stated in the letter of declination that I received apply to me, including the FAQs nor including the information online provided from the link in the letter. 

I pay the entire balance due before the payment due date and have since I received the card XXXX years ago. My credit score last time I looked is over XXXX. 

I called Capital One on XX/XX/XXXX to get the reason for my declination. NO ONE could answer my question, and I was told that the reason for declination will NOT SHOW UP IN THEIR SYSTEM FOR 2 to 6 MONTHS! This is unacceptable. The two people ( XXXX and XXXX, XXXX Account Supervisor ) could NOT tell me when I may be able to reapply and possibly get the credit line increase approved. 

The reason I asked for a credit line increase is because I am remodeling a residence and want to charge as much as possible to the credit card for travel points. I will continue to pay the full balance due monthly before the due date. I will use a different credit card that has a higher credit limit if I max out the amount charged to my Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Revolution Financial Inc.
State: MS

Complaint narrative:
Could not explain all the charges and interest balance would go up after each payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Comenity Credit Card ( XXXX Rewards ) MISLED ME, abused me, and put me through financial hardship by neglecting full dusclosure! On XXXX I reached out to the credit card about being defrauded XXXX $ from XXXX XXXX. Since day XXXX, I have told them about what happened. THEY NEGLECTED to tell me a THING about my account being blocked AFTER they got the defrauded {$980.00} back! 

I have ben transparent with this unethical company about the fraud, my police reports, my need in the middle of a move for the funds. I begged them for helped but they mostly ignored my pleas with their MISLEADING generic message that I had nothing to worry because they would not report my account while the fraud was looked into. 

THESE NEGLIGENT REPRESENTATIVES NOT ONCE told me I needed to make payments on the stolen funds so they wouldn't PUNISH ME by blocking me access to my defrauded money they got back. 

I sent them letters, evidence, police reports. THESE IMMORAL REPRESENTATIVES misled me, even as I stressed the problem. NOT ONCE WAS I INFORMED that my account was considered past due, that they would punish ME for the problem, and that even if I made a payment today, they ABUSIVE COMPANY is punishing ME for being victim of fraud! 

THEY IGNORED ME, MY PLEADS, and simply sought to benefit from a thrid-party fraud with MISCOMMUNICATION and NEGLIGENCE. 

I DID NOTHING WRONG. I was not informed ONCE about " being past due '' in NONE of the communications ; they simply said I wouldnt be reported to credit reports. 

THIS IS DIGUSTING! ESPECIALLY BECAUSE SINCE DAY XXXX I BEGGED THEM FOR HELP, and they neglected to be fully honest. Now, this unethical company LIES that this can not be overwritten : Systems dont make themselves up! 

They have provided NO HELP, they punished ME for being victim of fraud, and they DID NOT NOTIFY ME ONCE about what was happening. I wrote to them at least twice a week with evidence and asking questions. THEY NEGLECTED TO INFORM ME of this! 

I am in a dire situation, they knew about it, and now are defrauding me of my defrauded funds! I DID NOTHING WRONG! THEY DID NOT INFORM ME, they are negligent and I demand access to the money! They did not inform me that they would do this!!! 

I should have access to the funds! If they considered the refund of the defrauded funds they should count that as payment and allow me access to the funds. THIS IS DISGUSTING and they chose to neglect me and further abuse me!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
After being alerted by XXXX about a collections on my credit report, I called AMSHERE COLLECTION SERVICE at XXXX XXXX on XX/XX/2022 lasting for 11 minutes. Upon being directed to the XXXX department I was greeted by one of their representatives. I did not assume any direct responsibility for the debt but simply asked for information concerning the debt and if there was a pay for delete option. After, the representative said they did not offer such services I said I would need to think about it and call back. Part of the reason being I was not entirely sure about the details of the debt but considered paying in order to save my credit. The representative said to wait a minute and a second later, a man started speaking, and announced himself as the manager over-watching the trainees callhe did not announce his full name. Following this, he began to speak in a very aggressive tone and stated that the only reason I considered paying was because it was impacting my credit and that if I cared about my credit in his opinion and years of experience the best way to settle this was to not allow a bad matter get worse. If I were not to pay this now it it would have a detrimental impact on my credit. The quote mentioned above is almost verbatim what he said. If anyone were to review the call they will find that not only did he use an aggressive tone ( and I dont use that adjective easily ), he would not allow me to even get a single word out to explain the situation that the debt might not be mine. If I said any words he would just continue to shout above my voice and say that in his opinion, in order to prevent further harmful damage to my credit I should pay the debt that is owed and that once referred to as a settled account this will be better for my credit. The man continued to use an aggressive tone with me and I said that threatening me with credit repercussions and doing so in the aggressive tone of voice would not illicit a potentially invalid payment from me. After hearing my dispute he said regardless of your reaction of shock regarding the collection, the facts are the facts and this debt is yours. I said I did not want to continue this conversation and he said you can hang up now if thats the case. Afterwards I called back Amshere Collections XXXX  department at XXXX XXXX, lasting 3 minutes, to collect the mans full name to file a complaint. His name is XXXX XXXX. I had no issues with the initial representative because she was kind and respectful. A simple review of the recorded phone call will certify my complaint. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX XXXXXXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2022-11-16 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:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX  XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is regarding CFPB complaints # XXXX, XXXX, XXXX, XXXX, and XXXX. 

XXXX XXXX  sent the wire correctly following XXXX 's instructions. 
See the attached documents. 
The error is on Wells Fargo 's receiving end. 
Just keep your word and promptly refund me the overpayment. 

Attached are the proofs. 
XXXX XXXX  letter proves that identifying information on the wire to apply the payoff balance on XX/XX/22. 
The error was on the Wells FargoXXXX XXXX receiving end . 
While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per XXXX. 

Honor the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, you have violated the Fair Credit Reporting Act ( FCRA ) by reporting " INACCURATE INFORMATION '' on my Consumer Report. See attachments. XXXX XXXX ALL RIGHTS RESERVED 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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received XXXX letters from Bank of America stating that I had a XXXX XXXX XXXX account. I never opened this account. I have never used Bank of America. I called the fraud department to tell them that this is a fraudulent account. I was placed on hold for XXXX minutes and no one ever came back on the line to help me. I called again and the same thing happened.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I saw that on around XXXX I saw a lot of pre approvals on credit Karma. At first I didnt pay it any attention but credit karma continuously sent me emails and notifications about the pre approvals tells ] ing XXXX  that I was pre approved for credit cards, personal loans and auto loans. Every day I would see this offers anytime I logged in to see my credit scores. So After a few months of being told I was pre approved I thought I was in the perfect place to apply. I received many offers through credit karma I told my family about vacations and investments we were going to use these pre approvals for. So I finally applied on various days and I got denied for credit cards and personal loans. I was distraught. I was very angry and I felt deceived. I was advertised for months that I was already pre approved. Credit karma kept sending me notifications about my pre approvals. This was all a lie. I was severely stressed out. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went from from XXXX to XXXX. Now every time I see pre approvals I immediately close my phone and shut my computer off. This has made me very uneasy and XXXX that I havent checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened XXXX new accounts. A checking and savings account. I attempted to make a purchase but canceled transaction, merchant cancelled transaction. Following day I saw the transaction still posted, I reached out to merchant and they said they cant see the transaction gone through and I would have to contact financial institution. I filed a claim, later there was fraudulent activity I noticed I immediately reported this to the bank customer service department. They closed all accounts and opened me new accounts. Said when the funds were credited to compromised account they would transfer them to the account they opened. Once funds were deposited they would not transfer funds they closed the newly created accounts by them while I was at the branch. I spoke to them several as did the branch, they then told me yeah that money tht was credited belongs to citi so we blocked the accounts so you cant gain access to the funds. I have spoken to them numerous times and have been discriminated against my rights have been violated and my funds have been held XXXX. I will be looking into legal representation as some of the employees have stated that I need to sue because they are breaking the law I also have recordings of them yelling and laughing at me when Im on the phone with them. I have recordings of reps also stating that the account can be unblocked so that the funds are accessible. Still the bank has failed to provide the appropriate actions in regards to this serious issue

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 2022-11-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
So I took out a title loan was making payments on time made a payment for XXXX on XX/XX/2022 got in a accident the same day called my insurance company and they started the process at that point I owned XXXX so I called one main financial and they said I owned the XXXX so I called XXXX for the payout they got from one main financial and the payout was XXXX on XX/XX/XXXX my car value was XXXX deductable of a XXXX which totaled XXXX then on XX/XX/XXXX my gap insurance picked up XXXX so if you substract the payout amount from the XXXX you get a balance of XXXX they did not do this they started with the balance of XXXX which gave me a balance of XXXX so I called them and asked them what the payout amount was for this and they told me XXXX which I paid on the XXXX of XXXX which I shouldn't had to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NC

Complaint narrative:
On XX/XX/2022 I deposited a payroll check from my employer. My employer has more than XXXX employees and has a multi XXXX dollar XXXX XXXX XXXX The check was an official check drawn on a XXXX XXXX account. I used the mobile deposit and once I put in all the information and took pictures that were excepted of the front and the back, the app stated the funds would be available at XXXX XXXX  on XX/XX/2022. That was perfectly acceptable and I have deposited previous checks and the funds were available at the time stated. As soon as I hit the submit button to finalize the transaction the date changed to XX/XX/XXXX giving an explanation that the funds were unlikely to be collected. 

I have called multiple times about the situation over the last several days. l Have been told by multiple people that XXXX the Bank is required to place an extended hold on all checks. Even after I stated I knew that was not correct they continued to state this. I then spoke with a manager and ask her to call XXXX XXXX and verify that the check had already cleared as my human resource department had already done so earlier today. That is when a manager of the bank told me that banks dont call other banks. I knew this to be untrue as well. I called XXXX XXXX who also stated why dont they just call us and get the verification and release a hold. After telling XXXX XXXX what KeyBank had stated they said why dont you just give them this number thats exclusively for banks to verify phones. I have done so. My bank continues to say theyre not allowed to call other banks to do verifications. I believe I am a victim of some sort of scam and having my money stolen.

Company response to consumer: Closed with explanation