vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On XXXX XXXX XXXX  I found three purchases made by my Ally Bank debit card that I did not make. I immediately called the bank and filed a dispute. Two of the three disputes were resolved in my favor. They are trying to say that I did make a purchase at XXXX XXXX XXXX for the amount of {$300.00}. Which I did not. I refiled on that dispute with Ally Bank. When I filed the first three disputes, I was told I would receive forms to complete which I neve did. When they decided that I owed the amount I refiled the dispute and have been told I would receive forms. Which I haven't as of yet. From the time of the bogus purchases, I have initiated phone calls with my bank at least 10 times. They refuse to have someone from the legal department contact me. I get a different person every time and get different answers. I was also today XXXX  able to talk to the store where the purchase was made. The asst manger was only able to answer that they had received no inquiry from my bank.

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 2023-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy charged the debt off my report after calling three times threatening me that they would come to pick up my car. My car had a Lien on the motor due to a bad motor they were supposed to be sending the title over to the mechanic but instead sent a tow truck to seize my property after they had already charged it off my credit and sent my debt to a debt collector without my permission or consent. After that they sold the car and say I still owe half of the final amount than took XXXX dollars out my bank 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 2023-10-27 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: MI

Complaint narrative:
XX/XX/2022 The dealer was supose to my run my credit ONCE.! After reviewing my report they ran it serval times with many different places. Places i have never even heard of before. He basically harassed me 2 weeks calling none stop saying i found someone for you even after i told him it was okay and that i dont need his services. 
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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 2023-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a cashier 's check for {$18000.00} and all the required documentation to payoff the lease I had for my Toyota XXXX. After a few weeks of waiting to receive my title, I called them and was told they had received but LOST the cashier 's check. I was told I would receive a letter from them with instructions. I then received a letter that said they received the cashier 's check but could not locate it so I needed to send them a new one. 

The problem is that my bank will NOT put a stop payment on the cashier 's check for 90 days and I don't have another {$18000.00} to send them again. When I call them they tell me they will wait for the 90 days ( even though their letter clearly states they will only wait for 30 days ) and that no adverse action will be taken against me. However, I keep getting communications from them urging me to return the car, and when I call, the system tells me the call is intended to collect a debt, so in their system I'm obviously flagged as delinquent. 

I am really worried they will ruin my credit ( or worse, that the car will be repossessed ) even though the call center people assure me they won't because they recognize their mistake. Ultimately, my assumption must be that this reporting is systematic and will eventually escalate actions against me. 

I really need them to change their system so I'm no longer flagged as delinquent OR I need to have in writing a statement saying no adverse action will be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: GA

Complaint narrative:
Please help me get XXXX off my credit report because I never opened an account or received a auto loan from them.

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 2023-10-27 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: GA

Complaint narrative:
Please help me get XXXX off my credit report because I never opened an account or received a auto loan from them.

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 2023-10-27 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: TX

Complaint narrative:
i sent a letter to Experian on XX/XX/ TRACKING # XXXX which they received XXXX. Under 15u.s code 1681c-2 a consumer reporting agency shall block the the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in violation of this law because i am a victim of identity theft. I provide a sign and notarized identify theft affidavit and they still failed to remove it or provide what steps they took to validate the accounts.

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 2023-10-30 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Maryland XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A.R.M. Solutions, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft, and I have taken appropriate steps to rectify the situation. I have also submitted an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). As a result, I have been issued an Identity Theft Report [ XXXX ] by the FTC, which confirms the identity theft incident. I informed A.R. M. Solution that the Dept is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
On XX/XX/2023, I received a copy of my Equifax credit report. On XX/XX/2023, I sent my dispute letter to Equifax, regarding the issuance of my report to parties with no right to see it, and also Equifax reporting of XXXX and it's date of loss. In addition, I discussed my historical problem with Equifax of utilizing non-compliant FCRA data brokers to establish my file and the effect on ID theft. 

Equifax ignored my complaint and responded with a non-response ; they verified a closed account which I did not dispute and sent me a letter regarding same. 

On XX/XX/2023, I responded, to Equifax 's 'non-response ' to my letter of disputes dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-27 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: GA

Complaint narrative:
I Looked upon my credit report and discovered this accounts that need to be deleted.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XXXX I ordered security cameras online that came to a total of {$400.00}. My order was falsely marked as delivered by the delivery service. I reached out to the company I ordered from and they told me they would not resend the item or refund the amount paid paid. I disputed the charges with Chime and included copies of communication with the delivery company as well as the company I ordered from. I requested a refund in the amount of {$400.00} due to product not being delivered. My request was denied and I requested the documents used to make that decision and had a right to receive that information within 30 days. That request was made on XXXX. Chime ignored my communication attempts and refused to send documents for over 60 days. Documents were sent on XXXX and only contained the false delivery documents that I had provided and attested that were untrue and had not been delivered. By that time, I had surpassed the deadline to file any other complaint which Chime did intentionally so as to not have to refund my payment. I continued to make attempts to solve this matter until XXXX when I filed a rebuttal with Chime and never received communication from them afterwards. They have refused to respond in a timely manner and one that would protect their customers from unfair practices of merchants and delivery services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
I submitted a complaint to CFPB on XX/XX/ regarding the gross miscalculation of my escrow by Citizen 's Bank. The Complaint number is : XXXX. I spoke to XXXX XXXX XXXX  with the Office of the Chairman of Citizen 's Bank on XXXX XXXX XXXX  who contacted me to speak to me about the complaint. She was very receptive and advised that she would be investigating the matter regarding my escrow account. I also told her that I had not yet received the {$11000.00} in surplus escrow that was due to me because of the gross miscalculation and she advised that checks are usually mailed out within 10 business days. On XX/XX/, I received an email notifying me that the {$11000.00} has been applied to my XXXX XXXX XXXX  mortgage payment. I did not authorize this and no one at Citizen 's discussed applying this payment to my mortgage. Because of the gross miscalculation of Citizen 's Bank of the escrow calculation, I have suffered extreme emotional and financial distress. Now this distress is compounded by their application of the {$11000.00} owed to me and unlawfully withheld from me in addition to failing to pay interest on this money. I was anticipating using this money to pay other bills that I am behind on paying due to Citizen 's gross miscalculation of my escrow balance. When I contacted customer service to discuss the reason why the funds due to me were applied to my mortgage payment without my authorization, I was told they could not discuss this matter with me since I have a pending complaint. Their failure to disclose the reason these funds were applied to my mortgage without my authorization and their failure to disburse the funds that have been unlawfully withheld from me appears to be retaliation of me submitting the complaint to the CFPB on XXXX XXXX XXXX 

I submitted a complaint on XXXX XXXX XXXX whereby I described the aforementioned unlawful activity by Citizen 's Bank. The complaint number is XXXX A day after I submitted this complaint, I received an email notifying me that it had been closed because it was considered a " duplicate '' complaint. I was notified by a representative with CFPB that Citizen 's Bank closed complaint number is XXXX 

This is not a duplicate complaint. Instead, it is related to the XX/XX/XXXX complaint. My new complaint is failure to disburse the escrow monies to me. I also contend that this failure is in retaliation of me submitting the XX/XX/XXXX complaint. Citizen 's Bank 's closure of complaint number XXXX  is further evidence of their retaliation of me speaking out about their unlawful activity in failing to reimburse me for surplus escrow. If this complaint is also closed by Citizen 's Bank, this will be further evidence of their retaliation. I will not be silenced or intimidated by this Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 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. 

And they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 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. 

And they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

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 2023-10-27 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: Bepensa Capital, Inc.
State: TN

Complaint narrative:
Credito Real USA / AFS Acceptance financed my auto loan in XXXX XXXX XXXX. I never received a copy of the Agreement or any paperwork. I have made all payments on time and started asking for the agreement and a copy of my payment history in XXXX XXXX XXXX I could not get it until over a year later ( XXXX XXXX ) after I refused to stop calling them in order to get it. Found out car had frame damage and wasn't told about it in XXXX XXXX when it was serviced for an alignment. I got 3 different auto shops to verify this information and sent it to Credito Real immediately. All 3 auto mechanic shops stated if I have frame pulled it could total the car and none of them wanted to perform the job for safety reasons. Credito Real agreed by phone in XXXX XXXX  to settle my loan for {$6000.00}, I owed almost {$9000.00}. A few weeks later ( XX/XX/XXXX ) while I'm at the car dealership they tell me they wont take less than {$10000.00} and that I owe {$12000.00}! Shows {$8000.00} on my credit report and i can not seem to get financed for a new car with this situation going on. I have a 28 % interest rate and have been a great payee. I would like them to honor the {$6000.00} agreed payoff so i can get a safe reliable car to get to and from work in.

Company response to consumer: Closed with explanation