vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Wrote check for {$13.00} dated XX/XX/2020. The check was presented to my checking account on XX/XX/2020 for that amount. On XX/XX/2020 an entry for the same check number debited my account for an additional {$1300.00} listed with description " checking debit adj '' resulting in a total of {$1300.00} being taken from my account instead of the correct amount of {$13.00}. 
On XX/XX/2020 I went to my local bank branch to see what happened. They gave me a copy of the check and printout of transactions including the one in question. The bank branch mgr told me to fax the info and copies to the payee to recover what they deemed an obvious overpayment. On or about XX/XX/XXXX I called the payee directly and was told they negotiated the check for {$13.00} and did not receive any additional monies. After receiving no follow up from the bank, I visited the branch again on XX/XX/XXXX after consulting a former banking employee about the legal amount I wrote on the check. The branch mgr insisted the check had not been negotiated twice, but rather " the Feds adjusted it. '' No explanation beyond that was given. Bank mgr ended the conversation by saying she notified their main office and filed paperwork accordingly. One final follow up I was told the payee must have the additional monies and the bank wasn't responsible., despite the payee claiming otherwise. 
The bottom line is it has been over one month since my money has been erroneously removed from my account through NO FAULT of my own. After calling the state of CT banking commission, they advised me to file this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I received a notice from my XXXX that I had a 30 day late payment on my Infiniti account for XX/XX/2020. When I called Infiniti the first time, I provided them not only the debit from my checking account showing the payment, but also their payment records showing the payment. When I called back, they informed me that since there is 31 days in XXXX, and I made the payment on XX/XX/XXXX that caused it to become a 30 day late ... I have been paying on credit for almost 20 years I have never heard of something like this. I have escalated the info to Infiniti, and also submitted a dispute with XXXX. That said, the result of this has caused my current credit score to be below the amount needed to secure a Home Equity Loan ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am Ann Taylor costumer for the past 4 years. 
I went to my costumer login to make my monthly payment and I was navigating to the system and found that my account is closed since XX/XX/2019 by the phone. I was surprise because I didn't request to close my account on he phone or so. 

I called Ann Taylor costumer services and them they said that to me, I asked how can I fixe that because is impacting on my credited. so they said that is nothing they can do. 

I would like to know how and what I can do to fixe that and also I want to Ann Taylor prove that I solicit this action on my account. 

Please I need Bureau help Thank you my phone and email. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
I am writing regarding a retail installment contract with XXXX XXXX XXXX ( hereinafter referred to as XXXX ). I purchased a vacation discount club package with XXXX in XX/XX/2018 for the purchase price of {$4800.00}. The contract provided a membership in XXXX for 30 years. XXXX made promises to me for a variety of services which would continue for the 30-year membership. XXXX is now out of business. 
Apparently, XXXX assigned the contract to Monterrey Financial Services. Because of XXXX insolvency, there has been a failure of consideration as I am no longer required to continue this debt obligation. Monterrey recourse is against XXXX. Monterrey has taken any to impugn my credit, and are now in violation of the Fair Debt Collection Practices Act. I have tried numerous times to contact XXXX to get confirmation that my account is closed and have been unable to reach anyone. I have spoken to the fulfillment company Save On resorts who responded to me on behalf of XXXX  which I did not understand, but I have attached a copy of there response to this request as well. In short they where unable to contact anyone at XXXX and informed me that Monterrey would be able to close my account. Unfortunately Monterrey will not close the account and are holding me liable to pay for a service that is not available to me. I reached out to an Attorney who was able to serve Monterrey with a cease and desist but that did not stop them from finding new methods of harassment. This is a crime. I was able to get them removed off my credit report when they first attempted to post something derogatory against me, but they have since come back and changed the name of their company in order to re-post the negative statement on my credit report. They have changed the name of the original creditor and their name to keep the post on each time I dispute it. They did not sell it to another company, because they keep the name Monterrey in the naming convention. They are also damaging my credit because I have refused to pay for a service that I am unable to use nor have any interest in. But because I have been unable to speak to anyone with XXXX, Monterrey will not close out my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I submitted by IDR form for new payment calculation for the upcoming year two weeks ago. I keep getting told by Fedloan Servicing that it will be 30 business days before they even look at it. Pursuant to their agreement with the Department of Education, they have 14 days to make a determination on the form so I can resume payments. 

Six weeks is much longer than two weeks and will interfere with my ability to make payments, especially if the brain trust finds " errors '' in the form and rejects it. Fedloan delays so they can forbear the loan and let interest capitalize. I am trying to prevent that from happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX XXXX XXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently there were several hard credit inquiry on my report that were not authorized - I only agreed to a soft inquiry. The financing company said I have to dispute it with Experian and Experian said I have to call the company because they can not dispute it. 

Because both the financing company and Experian are unwilling to correct this mistake, I do not have any recourse to get unauthorized hard inquiries corrected on the report. 

The financing company who refuses to reverse the hard inquiry is below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX Please let me know what I can do about this.

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 2020-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I got my auto account paid off through a banker 's check # XXXX US {$73000.00}. This check got mailed to the creditor Ally Financial Payment Processing Center XXXX XXXX XXXX XXXX, Arizona XXXX on XX/XX/2020. 

The payoff was good until XX/XX/2020. That day came and went, and Ally is unable to confirm receipt or processing of the check and continue to charge me interest daily. The company maintains that its XXXX processing center can not be reached by phone by their call-center representatives, and an email sent to the center by one of the managers on XX/XX/2020 has allegedly not yielded a reply to date. 

On the XX/XX/XXXX of this month, I got compelled to issue a phone payment of US {$400.00} to avoid being reported delinquent to the credit bureaus. The whole amount was consumed by interest, leaving the principal balance and payoff amount about the same. 

This week Monday, XX/XX/2020, we canceled the initial check at the request of Ally Financial and reissued a new Banker 's Check # XXXX for US {$73000.00} which was overnighted to their processing center in XXXX, Kentucky via XXXX ( Tracking # XXXX ). The check was received and signed off by a XXXX at XXXX XXXX the following day. However, at the time of writing this complaint Ally has not credited my account and the representatives maintain that they can not explicitly track the exact location of the check and all I have to do is wait. This is at the expense of interest rates that continue to accrue on a daily basis. 

I find their inability to communicate with their payment processing department a deliberate effort to hold consumer payoffs to maximize on profits based on daily accrued interests. 

Each time I call, I get talking points with no tangible help whatsoever, the latest being that the checks are handled by machines and no human can track it until it posts into a consumer account. 

I am requesting the intervention of the Bureau and that of Ally 's higher management to expedite the processing of this payoff and to get a refund of all interest charged since XX/XX/2020, which was the date of the initial payoff. 

Regards, 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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an address listed on my credit file with Equifax that I have been trying to get removed. I have never lived at that address or used that address for anything. I do not know why they continue to report it. If they show wrong addresses what else does that say about their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX XXXX XXXXXXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}

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 2020-03-11 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: TN

Complaint narrative:
I recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX  XXXX  XXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts and inquires I had nothing to do with

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 2020-03-11 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: OK

Complaint narrative:
After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, Equifax, and XXXX  along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Equifax has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Equifax never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Equifax has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Equifax has also sent a vague or bogus response stating they were not able to locate a credit file After I provide a copy of my Driver 's License, Social Security Card, and utility bill which is unacceptable. Due to these numerous violations Equifax must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Awhile ago, I had opened an account with Chase. After a few months I decided that I would stay primarily with XXXX XXXX because I thought they were better so I closed my Chase account. Months later, after alot of complaints with XXXX XXXX, I decided chase was the better bank and I closed my XXXX XXXX account and decided to go back to chase. 
I used a XXXX  dollar bonus voucher and the rules under it state that an account could not have been closed withing 90 days. When I emailed asking how to get the bonus because there was no place to enter the voucher, I recieved a reply on XX/XX/XXXX & I was told my XXXX  dollar bonus was going to be applied and all I had to do was set up a direct deposit before XXXX. I am including all the emails. As you can see, it was in reference to THIS account in question. 
After my first direct deposit was made, I contacted them several days later to see why my bonus was not applied and they claimed I could not have it because I can't have two bonuses within 2 years and said the person who emailed me saying I would get it was referencing my old account. As you can see in the screenshots, my new account in question was clearly listed in my query and her response. 
I asked repeatedly for them to present me with reading material on this " 2 year '' rule as I presented them with the 90 day rule which was included in the ONLY rules listed under the bonus faq on thier site AND on their voucher. They would not show me. 
Ultimately, in their last response they acknowledged that I was correct in the rules I stated and stated they would no longer respond to me. Basically " oh well '' and I never received the bonus for banking with Chase again. I will stay with them because I prefer it to XXXX XXXX, but like every other bank, they're liars and cheats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am very disappointed in Experian for this is the 2nd time something that is NOT MINE AND NEVER HAS BEEN MINE on my darn credit report! I am sick and tired of this and it's not fair that this bunk debt in which i never did keeps showing up! Stop putting stuff on my credit that ins't mine! XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020

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