vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XXXX, Ally Financial had my car wrongfully repossessed. They claimed in a chat I had with them that I owe them over {$1500.00}. When asked why I owe this amount, they claimed I owed monthly payments from XXXX, XXXX, and XXXX of this year. One of the screenshots provided shows this. The other screenshot shows that this is false and I indeed made the payments for XXXX, XXXX, and XXXX of this year. 

There is no easy way to get in contact with this company. They hang up on chats and are rude and extremely unprofessional. I tried to log in to make my XXXX monthly payment, couldn't do it because of the repossession status on the car. I emailed them time and time again to let me make my payment and they said they would and never did. And then they don't respond to any emails.

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 2023-11-04 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: AL

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 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 2023-11-04 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: EQUIFAX, INC.
State: AL

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 2023-11-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX, Chase Bank, XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Barclays Car, have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2023-11-04 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
Loan or card opened on my credit report for {$20000.00} dollars. {$11000.00} of that balance used. 
Fortiva Retail Card XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2023, I made a payment of {$420.00} to Capital One from my XXXX XXXX checking account. This payment brought my balance to {$0.00}. On XX/XX/2023, ( I have all calls recorded ) I called Capital One customer service, the agent was combative and unwilling to assist me. At the beginning of the call, I asked to speak with a supervisor. The agent began to be combative and tell me everything that was wrong with my account. I then told the agent again my issue was that Capital One took a payment, my balance is XXXX but I have no available credit. This has happened for the past two months, I make eight phone calls until, I get someone to help. Last month, the fraud supervisor was able to tell me what a supervisor has to do. I tried calling Capital One eight times in the space of two days. I got hung up on by two supervisors and three agents. Every month with Capital One, I make two to three payments. They never reflect on my credit report accurately. I also have made payments every month for the past two years and my payments have not been posted in a timely manner to where I have to call and ask when my payments will post. They have been hostile towards me, I am a veteran with XXXX and I need someone to investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received an American Express gift card and tried to use it online at both XXXX and XXXX on XX/XX/2023. The transactions were declined. I called and was told to redeem it in person. Tried to use it at XXXX XXXX XXXX in person today and declined as well. 

I have another card that I have tried to use at a Gas station and XXXX XXXX. Declined as well. 

I have spent 4hours on hold between yesterday and today and can not connect with a representative.

This is false advertising as well. Says you can use anywhere that accepts credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. this has been a issue ive addressed multiple times an no updates have been made. looking over my file ive noticed all issues are reported illegally an fraudulently to my credit report. please review an remove the listed items asap that are hindering my credit report asap.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for XXXX XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a Citi Bank Freud as well that they will not let me take off even though it is not mine due to their policy of Freud. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/23, One Main withdrew an amount of {$260.00} from my account using XXXX XXXX three days after XX/XX/23, where they confirmed online that the entire loan was paid off. Thus the XXXX XXXX should not have been initiated on their end. 

The online account states that the electronic payment taken from my account was reversed but I havent ever received the money back. It is now almost a month since they took the money, and far past XX/XX/23, the date for which 15 business days had passed since they wrongfully took the money but their claim was that I would receive it by then. 

I did not receive the money by XX/XX/23. Indeed, on XX/XX/23 and on XX/XX/23, I called the branch where I signed the loan documents and discussed the matter both times with a spokesperson named XXXX, who both times was dismissive and unhelpful when I stated that I would like a check and not an electronic payment. The first time he confirmed that {$260.00} had been taken out of my account but claimed that One Main couldnt stop the electronic payment despite my voicing doubts the process would go smoothly and directly asking for a manual check then and there. 

The second time I called, XXXX still refused to write me a manual check for the correct amount of {$260.00} or get his manager on the phone after XXXX told me that One Main would only send me an overage check of {$26.00} and I shared my disbelief because the amount was so low. Indeed, the 2nd time I called, XXXX outright denied that One Main took {$260.00} from my account because he couldnt find the proof on his side. 

When I said I could call the CFPB but truly preferred to resolve the matter then and there, XXXX claimed that he wasnt actually qualified to help me, which left me wondering why he had tried to handle my complaint in the first place, both times I called. 

Finally, XXXX asked for my number to leave it with a manager who stepped out for lunch but the manager never called back to verify that the payment reversal had indeed been halted electronically nor did One Main ever call to verify that they could write me a manual check for {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted all three bureaus to have this XXXX account removed from my report this account is not mine it belongs to my son we have similar names and our address is the same

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 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a debt around {$1100.00} in XX/XX/2022. I called pay off debt in full. I paid the full fee over two cards. Synchrony Bank stated they did not charge the second card and continues to charge interest after 3 disputes. The payment has ballooned an additional {$1000.00} and continued to charge interest during the dispute process. 

They were harassing me by calling multiple times a day during the early morning and late into the night. I asked them to stop harassing me and they continued to send letters and call. 

This has destroyed my credit by over XXXX points and has not allowed me to refinance my home to save me and my family money. I have spoken to them upwards of XXXX times with no help. 

They have locked my account and I can not even pay online even if I wanted to. They continue to charge interest.

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 2023-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

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

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
so i paid my behind mortgage on XX/XX/XXXX after i received a NOI from AUGUS REI. August Realstate I as it shows on my credit.they confirmed they received the check on the phone for XXXX $ on XXXX XX/XX/2023 that would clear all the balance due and fees and make my account current and since it was before the NOI deadline no further action should have been made by the company. but the company kept sending me wrong statements after and ignoring this huge payment. i kept calling couple of times at least 4 times and they said they will process the check and the wrong statements was an error. on one ocasion they said i have not made the payment to them!!! then they checked again and said they received it!!! but nothing happens after 45 days. they sent me a wrong notice of acceleration letter on XXXX XXXX although my account was current at the time ( XXXX XX/XX/2023 ) and i had paid every single balance due for each month as well. they are reporting my account as late to the credit bureau XXXX and damaging my credit as well. i dont know what to do really. i keep calling them but no results. last time i called 4 times in a day and they said that their account department is busy they are going to call back they never called back. i am frustrated. i have paid my balance in full and keep paying the balance every month and they are trying to ignore my XXXX $ check and sell my house illegaly. also they are reporting this account as late wrongfully since and damaging my credit. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I got a XXXX 7.49 % {$15000.00} loan from Chase Sapphire Reserve credit card which was part of the My Chase Loan program where one is able to get a loan at favorable rates by borrowing against the Sapphire Reserve credit limit. 

The disclaimers program says that the payment is bundled with the minimum payment for the credit card and one can avoid paying interest on new purchases by paying the " interest savings balance '' by the due date. They also say that the way the loan will impact the card balance is as follows : " Well add the full amount of the loan to your credit cards current balance. Your minimum payment due each billing cycle will automatically include the monthly payment amount for your loan. '' It does not say anything about adding interest to the balance. 

On the next due date following the loan initiation, XX/XX/XXXX, I paid the full " interest saving balance '' of {$6000.00} which was adjusted down from the original amount in the statement by XXXX because of refunds and statement credits which lowered the net amount due and thus the final " interest saving balance '' that was displayed on the website when I went to make my payment. Then on XX/XX/XXXX, I was charged {$94.00} in interest. 

When I called to ask about the interest, the Chase representative first tried to tell me that there is always a one-time interest rate fee for the loan - something that was never disclosed and is refuted by the " learn more '' FAQ section on Chase 's app. When I confronted them about the fact that the loan 's payment ( {$1300.00} ) already included the interest since XXXX / XXXX would have been {$1200.00}, they said that if there was any interest charged for balances it would be reversed in the next statement. 

That did not make any sense to me why Chase would keep my balance artificially higher for a full billing cycle just to reverse a charge later. 

This is misleading at best and deceiving at worst. Consumers should not be left in a " would they won't they '' state about charges on their account for a full billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX. They have violated my rights. 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 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 2023-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. all of the data listed is reporting illegal an fraudulent information that has caused major delays on my credit report. please review an remove the listed items to help clear my credit repot asap.

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 2023-11-04 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, account DEPT OF EDXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a letter indicating the account is past due. I received another similar letter in XXXX and the monthly statements are showing a past due amount since XXXX. I have bi weekly withdraws and auto pay on this account and in order to be eligible for that, I had to pay a month in advance. Therefore, at no point would this account ever be late given the biweekly debits and monthly autopay. 

I also received a check for a mortgage insurance refund but I have not paid for mortgage insurance on this account, so I am not sure why they arbitrarily removed money from my escrow and refunded it to me.

Company response to consumer: Closed with explanation