vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
I have already filed one complaint on this subject and while Ollo refunded some annual fee, fees/late charges, they still have failed to adjust the interest rate charges, my interest rate, lower my monthly minimum payment back down to an affordable payment in the {$40.00} and below rate as before and also have charged me another late fee while I have emailed communication to them in making them aware of this! Then, I never get a response back. Instead they send me text and leave me voicemails that my payment is late. But, how am I expected to pay when they havent done as I have listed in detail above?! l will also post my original complaint on below as well as state this all started when Ally took over Ollo. 

In XX/XX/XXXX, Ollo Card / Ally suddenly and randomly charged me a {$39.00} annual fee, which when I signed up for my Ollo Rewards Card with Ollo the terms clearly stated No Annual Fee. After I reported this to Ollo as well as her to the CFPB, Ollo Card / Ally reversed/refunded the {$39.00} annual fee, but I was also charged a late fee of {$29.00} on the same day XXXX XXXX XXXX XXXX XXXX as the now reversed/refunded {$39.00} annual fee. This {$29.00} late fee has yet as of the writing of this complaint today been refunded. I send online direct communications to Ollo Card / Ally through secure messaging and uploaded proof of these charge ( s ) securely through being logged in to my Ollo Rewards Card account on www.ollocard.com. Please have refund the {$29.00} late fee as you have already done with the {$39.00} Annual Fee in error they charged. As well as revert my percentage rate back to what it was before the {$10.00} no interest payments plan setup up around 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 2023-05-17 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: MO

Complaint narrative:
Hello, I recently pulled my credit report to try and buy a home and noticed damages on my credit report, As well as multiple inaccuracies. With the damaging credit report, I was not able to move forward with my applications for my family home. In accordance with 15 U.S.C 1681 there should not be anything damaging on my report, it is defamation to my character. As well as 15 U.S.C 1681 602 ( a ) Accuracy and fairness of credit reporting. 

I did dispute all accounts on XX/XX/XXXX asking for validation on debt they came back XX/XX/XXXX as verified or they updated the accounts. and put me past due on XXXX account which shows open in XXXX. Consumer reporting agency may not report outdated negative information that is more than 7 year this account is showing XXXX XXXX and XXXX XXXX. account they did not validate

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 2023-05-17 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: TN

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TN

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : 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 2023-05-17 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc.
State: PA

Complaint narrative:
I took out a XXXX XXXX XXXX XXXX XXXX which is a loan that offered {$750.00} up front and {$2200.00} once the loan was paid ( kept in a savings account ). Unbenownst to me, the loan was sold to another company, SST. I was sent an email from XXXX but was never able to receive any other communication from them. They were difficult to deal with and I was never able to log in to see my account or payments. I now have a 'charge off ' on my credit report and I have received absolutely nothing from them about this. 

I believe I have paid or nearly paid the {$750.00} which was loaned to me and due to their lack of correspondence or ability to validate that I have a debt with them I no longer want to continue to do business with this company and their poor business practices. They've also never sent me ANYTHING in writing regarding my debt, balance or anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/XXXX Elan Financial Services sent out a letter notifying me of the closure of my account number XXXX issued by Valley Bank, at the time the account had a credit balance of {$2600.00}, in another letter dated XXXX XXXX XXXX  the bank states that they have sent the credit balance of to the remitter of the last payment made onthe account, as of today XXXX XXXX XXXX, the owner of the checking account has not received any check nor has been any ACH issued to their account, I made numerous attempts to contact the bank regarding this matter and literally every time I got different information regarding this refund payment, I feel like I've exhausted all my options, so I am sending this complaint so the CFPB can intervene and attempt to retrieve these funds

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Spoke with a male representative from the XXXX XXXX XXXX XXXX XXXXXXXX about my funds of {$22000.00} turning into - {$22000.00} I was not notified about this at anytime. I went onto my HSBC app & realized that my account had become negative without anyone reaching out to me, explaining why or where are my funds. The representatives response was that I opened this account in XXXX & the HSBC Premier account that I entered into requires an average balance amount of {$75000.00} that this account was unable to maintain this average balance. And for this reason the account has closed. Im unable to get access to my money that was in the account. Its been XXXX months since the customer service representatives have continuously stated to me that I need to wait for this account that is still pending closure to close. Then I will be mailed a check, No time or date available for XXXX months just keep stating that I need to wait that the representative is making a note that I need my funds. Closure is pending, not able to speak with a supervisor at my request! Unexplainable? Also have proof of the account that I entered into agreement with, stating that the account Needs to maintain an average balance of {$10000.00} for XXXX consecutive months to receive a {$500.00}. Welcome deposit for new customers. After I called about the {$500.00}. Bonus, This bank has continued to find a problem with the account. Unfair and not releasing my funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MO

Complaint narrative:
Hello, I recently pulled my credit report to try and buy a home and noticed damages on my credit report, As well as multiple inaccuracies. With the damaging credit report, I was not able to move forward with my applications for my family home. In accordance with 15 U.S.C 1681 there should not be anything damaging on my report, it is defamation to my character. As well as 15 U.S.C 1681 602 ( a ) Accuracy and fairness of credit reporting. 

I did dispute all accounts on XX/XX/XXXX asking for validation on debt they came back XX/XX/XXXX as verified or they updated the accounts. and put me past due on XXXX account which shows open in XXXX. Consumer reporting agency may not report outdated negative information that is more than 7 year this account is showing 7 years and 4 months. account they did not validate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: MO

Complaint narrative:
Hello, I recently pulled my credit report to try and buy a home and noticed damages on my credit report, As well as multiple inaccuracies. With the damaging credit report, I was not able to move forward with my applications for my family home. In accordance with 15 U.S.C 1681 there should not be anything damaging on my report, it is defamation to my character. As well as 15 U.S.C 1681 602 ( a ) Accuracy and fairness of credit reporting. 

I did dispute all accounts on XX/XX/XXXX asking for validation on debt they came back XX/XX/XXXX as verified or they updated the accounts. and put me past due on XXXX account which shows open in XXXX. Consumer reporting agency may not report outdated negative information that is more than 7 year this account is showing 7 years and 4 months. account they did not validate

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 2023-05-17 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: CO

Complaint narrative:
I had an outstanding debt with XXXXXXXX XXXX XXXX. I contacted them on XX/XX/XXXX of this year to make a settlement offer. XXXX agreed to a settlement in the amount of {$3200.00} ( Settlement agreement attached ) Immediately upon agreement, I overnighted a check to XXXX in the amount of {$3200.00}. This check was deposited and cleared my bank on XX/XX/2023. ( Cancelled Check attached ) I contacted Experian and filed a dispute to update the reporting to reflect the agreement. I uploaded a copy of the agreement along with the cancelled check in the Experian portal and confirmed receipt by phone. 

Experian explained that any documentation would be considered fraudulent and false unless confirmed by XXXX. They further explained that ANY information received by a consumer is considered to be false and any information received by a creditor is considered to be true. 

When Experian contacted XXXX they responded by saying they had received NO payment and the account balance and status remain Unchanged. 

I contacted XXXX and was told the employees that respond to disputes did NOT speak to consumers and there was no recourse. 

Having no further recourse with the creditor or the credit reporting company, I am asking the CFPB to respond.

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 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
I settled my account for {$420.00} dollars with debt company Monarch Recovery Management , Inc ( Account # XXXX ), however, they returned the payment as the original creditor is only accepting {$550.00} dollars. The settlement offer of {$420.00} was offerred in a letter I received by mail from Monarch. 

Can they do that, offer and accept a settlement and then refuse it and ask for more?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I moved into these apartments, named XXXX XXXX XXXX XXXX the moment I saw the apartment, I did not like them, but I was better living in a hotel. I told them that I will not renew my lease after at the end of my lease. The stove they had in there was nasty and it caught on fire when I was cleaning it. The apartment had rats, ( never seen one, but I seen the dropping they left ). At the end of my lease, I handed XXXX XXXX XXXX, the front door key, plus the mailbox key and the guard gate sticker, and I cleaned the apartment, I do say the only thing I left was a bookshelf in one of the bedrooms and then I moved out. I talked to the manager that was there at the time, to see if I owed them anything, she told me no because I am moving out and not renewing my lease, I also asked her about my deposit, she then told me that she will email me about the deposit. I give her my email address and a forwarding address as well. When I moved out in XXXX of XXXX to this day XX/XX/2023 I have not received any email or a letter stating that I owed XXXX XXXX XXXX  anything . They also kept my deposit as well. I would like to have my deposit and have XXXX XXXX XXXX XXXX National Credit System off my credit report. They are hindering my score from going up plus hindering me from moving into another place to live. I have a video on my phone but I can't load it up on here, the file is too large.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. In XX/XX/2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX and XXXX Bankruptcy without my Authorization. There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX and XXXX Bankruptcy without my Authorization. Please note XXXX has Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am single mother. 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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/XXXX Chime closed my checking, savings, and credit builder accounts without notice or my authorization. I havent had access to my accounts or the money in them since. I called Chime customer support on XX/XX/XXXX shortly after it happened and couldnt get through to anyone. I sent emails to both XXXX and XXXX and have received no information on why my accounts were closed and how long it will take me to regain access to my money. I called Chime again on XX/XX/XXXX and got ahold of a Chime representative who instructed me to email two forms of ID and a bank statement from my other bank to XXXX which I did the same day. Chime has not gotten back to me with a case number or to let me know theyre looking into why Im locked out of my accounts or anything. There has still been no correspondence from Chime. This morning XX/XX/XXXX I sent XXXX a follow up email requesting a case number and estimation as to when Ill regain access to my funds. I still have heard nothing back from them. They have a lot of my money locked away from me and Im currently XXXX so its extra scary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hello, I am contacting you about an issues I am having with bank. I applied for a CD account with Discover bank. I was not allowed to complete the application on line the system closed me out and stated I needed to contact the bank. I did so several days later and when I did I was asked a few questions, the amount, the date I think I applied, the term, and rate. One associate stated she found the application and stated she needed to transfer me to someone else to finalize the application. She transferred me to another associate. When that person came on line she asked for my name and another verification information and then started that she found the application and she submitted it without verifying the information was correct. I asked why it didnt allow me to finish the application myself she said it was for security reasons. She told me I could go online to view the information. I did and saw that the rate was lower than what I selected online when I was trying to submit the application. I called the bank back and spoke to two people on associate and a supervisor who told me that I couldnt close the account until seven days later and that I would lose any interest that was accrued. That I told them was unacceptable since I did not make that error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief