vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have a leased vehicle with Ally Finances. I received a notifier a couple of weeks ago showing that my credit score has dropped by XXXX points. I check to see what was the issue and found out that alloy basically reported that I was not making car payments. I called Ally only to be in form that the car that my ex-wife has hasnt been paid on and a Extension had been added to the vehicle. So I asked him why wasnt I notified that the car payment was late and about the extension. He stated that they notified me. I requested all of the contact information they had which was all wrong my address was wrong the email address on file was wrong and also the telephone number was wrong. They also informed me that a extension had been accepted for the vehicle payments which I did not Request or Give consent to. They informed me That I would be responsible for the extension payment of 500+dollars. I explained to them that I dont see how I would be XXXX responsible for something that I didnt request nor did I give consent to nor was I contacted. Upon a father conversation with them I found out that they allow an unauthorized person to change all the contact information associated with my account and also allowed them to make unauthorized decisions on my account. So I explain to them that all of the contact information they had was wrong I was told two different stories the first customer service rep told me that no one could make changes to my account unless they have the account number and I told him no had access to the loan info because it locked in my truck. The customer service supervisor told me that someone could make changes to my account if they know the last four numbers of my social my name and address or just the account number. They had been sending the bill statement to the wrong address with the account number on it. So I was told two different stories. To make a long story short they expect me to pay all these fees that I didnt authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted Citibank credit cards about my Citi Prestige credit card in XX/XX/XXXX. I wanted to cancel my card due to the high annual fee but they offered me a retention promotion. 

They said several times I needed to spend {$4000.00} in 3 months by XX/XX/XXXX and I even gave the representative from the retention department an example where I said if I spend {$4000.00} tomorrow Ill qualify and she said yes, as long as its after today. 

After several billing cycles I noticed there was no credit so I reached out to the customer service via Citi mobile app on XXXX occasions. The first time, they told me the details of the promotion in writing, again not mentioning that it was PER MONTH. I followed up and got no response at all. 

After this I contacted them again and they told me I already received it when it was an unrelated offer regarding points and not the statement credit. 

Finally, I contacted them a third time and they said to call them but the department was closed. 

I dont know if Citi is systematically lying or it was this one representative but there might be some grounds for a class action lawsuit or something of that nature since Ive had to contact them on 7 occasions now and the issue seems purposefully misleading and unreasonably difficult. There may be thousands of people experiencing this. 

Im on the phone now and they are telling me since I didnt meet the requirements they cant credit me. This is unbelievable, I thought by manually contacting the department in charge I would be able to get it in the end. I kept this card account open and spent over {$11000.00} more due to deception

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 monetary relief
Consumer complaint received 2022-04-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX is on my account twice for the same charge, when I only had one closed account with 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 2022-04-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX is on my account twice for the same charge, when I only had one closed account with 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 2022-04-02 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: MD

Complaint narrative:
On XX/XX/22 I spoke to an associate at each of the adhering to business, XXXX, XXXX, and Transunion concerning the possibility that they were reporting fraudulent accounts on my consumer documents. I pleaded with them to get rid of these accounts as I had no understanding or details on where these accounts came from. I was told by all XXXX companies that I needed documents and also to submit an FTC record. I did simply that and sent my letters using certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my record and also were in some way " verified '' even though they are not mine. I am incredibly overwhelmed and also disappointed over this because my family members as well as I are trying to buy a home and this circumstance is maintaining us from being able to do so. I called all XXXX companies once more on XX/XX/22, asking how they somehow verified that these accounts were mine however they only told me to speak to the creditors directly which they couldn't do anything else to aid me. I tried calling all the financial institutions that were fraudulently reporting on the customer file, as well as with no shock they had no understanding of me or the accounts either. I am not exactly sure what else to do and after looking into on the internet I came across the CFPB web site that some good friends of mine told me would certainly help me with my situation. I actually wish this helps because my family as well as I frantically need this home we are attempting to look for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
So on XX/XX/XXXX my wallet was stolen from me, and on XX/XX/XXXX it was used for a purchase on some online site in the amount of XXXX. I contacted chase and explained to them my card had been stolen and that it had been used for an unauthorized purchase. I told them I filed a police report and could provide it if needed and they said they wouldnt need it. Fast forward now they have reversed my claim and refuse to tell me why as this was not me. I am already going through a rough time with XXXX. as i lost my job and chase has made it an even tougher time allowing someone to scam me and side with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient is showing 11 late school loan payments but I have been on deferment and income based repayment plan for five years. No payment due until XX/XX/2022, yet late payments are shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account 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 non-monetary relief
Consumer complaint received 2022-04-02 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: SC

Complaint narrative:
XXXX is showing 11 late school loan payments but I have been on deferment and income based repayment plan for five years. No payment due until XX/XX/2022, yet late payments are shown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, I am writing today because I have had all of my major bank accounts closed. It started back in 2015. I had a XXXX XXXX  account & it was closed because I was unable to pay back {$200.00} that had gotten direct debited from my account. So, that account was closed and I still had an account with XXXX XXXX XXXX account, XXXX XXXX and BB & T. I was notified in the mail that those accounts would be closing as well & advised to have my direct deposit set up else where. I am a victim of Identity Thief. Someone at my dentist office stole my identity some how and I was sent an letter in the mail explaining. I also received a phone call from my dentist office explaining that I may need to put a lock on all credit. But, by this time it was already to late. I am XXXX XXXX XXXX & having a hard time with opening bank accounts because of something that someone else did to me. This is unfair and I am with hopes that I may be able to be helped. I have tried calling corporate and explaining to them my issue. I want this to be resolved even if Im allowed to open up an account with restrictions for a while they monitor my account. I just dont think I should have to deal with this because my identity was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: LA

Complaint narrative:
I've previously disputed these accounts but can still be seen from my credit report. You even failed to verify those.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: SC

Complaint narrative:
XXXX XXXX XXXX is still reporting negative remarks on my credit report. I have contacted XXXX, I have contacted Experian. I still have the same results. That account is in litigation due to predatory lending and this account needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
This is a over reach by XXXX XXXX XXXX to over charge My health insurance paid adjustments were made I contacted this Company to dispute and verify make adjustments never explained in writing to justify this charge was not made considering XXXX XXXX XXXX XXXX Charged {$10000.00} for two hour visit released went home.This Corporation has hade a history to over charge/ over reach against its patience

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent TransUnion a letter asking that they verify an account on my report and remove inquiries that do not belong to me. I asked that they give physical proof to verify that the accounts belong to me. I also explained that there were unauthorized inquiries on my account as well and they have not responded with proper documentation. On XX/XX/2022 and XX/XX/2022, contacted them about unauthorized inquiries and the company has failed to do so without valid documentation or proof that the accounts belong to me. These are faulty credit reporting practices and I feel this is abuse to me as a consumer. The company will not give any documentation but insists on reporting incomplete and inaccurate information on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reached out to Transunion & was informed that they were deleting the fraudulent inquiries within 24 hours however they are still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
An account was fraudulently opened in XX/XX/2021, in my name, from XXXX XXXX XXXX XXXX TX. The amount accrued is {$11000.00}. The account is for a rental house in Texas, where I don't live. After receiving no payment, the debt went to collections and then placed on my credit file. I am in the process of filing a police report and having this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: OR

Complaint narrative:
On XX/XX/2022 at XXXX I went to the ATM to withdraw my funds from my Direct Express Card that I receive SSD benefits on. My card was expired at the end of that day. 
I didn't realize it till then. 
I quickly tried calling Direct Express, and thru the automated system was informed I had been sent a new card on XX/XX/2022. I never received another card! 
On XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX of XXXX  I have tried to get customer service to help me over the phone 102 times, only to be hung up on by the automated system! 
All the money I have is on that card and apparently there isn't any live agents to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
This institution ( Huntington Bank XXXX has had trouble processing our loan payments since fall 2021. They acquired this mortgage as part of a merger/account taken over from TCF bank XXXX Up until that point the payments had been made on time without difficulty. Shortly after Huntington 's involvement, our payments began being processed and then returned as unpaid. I have spoken with them on at least 4 occasions trying to figure this out, resubmitting payments, etc. We have the money to pay our payments, in fact the loan is almost paid off and we could do that, too -- if they could process our payments. At one point I spoke to someone from Huntington on the phone and they were able to process 3 past-due payments that were NOT subsequently returned, so I know it is possible. But then when I made the payment for the next month, it was again returned and they began calling wanting to know when we were going to pay. 
In the meantime, Huntington Bank has reported the late payments to credit reporting agencies which has had a significant negative impact on both of our credit scores, which were over 800 prior to our forced involvement with Huntington Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander Consumer USA is still reporting negative remarks on my credit report. I have contacted Santander, I have contacted XXXX. I still have the same results. That account is in litigation due to predatory lending and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
I received a series of letters from XXXX XXXX, Account Review Manager at US Bank indicating that they have selected to closed my personal and business credit cards. They have provided no reason for such an action. I have reached out to the company and their response is that they have the right to do so. 
I have asked for reasoning and rationale, and they have provided none. As they have cited XXXX separate accounts in a single review, referenced XXXX, the decision is not based on the activities of the account and the banking process, but related to the common point which is the owner of all accounts. As these series of actions is targeting me personally, I believe their action is racially motivated and is individually targeting me. In their letter they are referring to their Terms and Conditions, which allows them to close accounts for no reason. Though the Terms and Conditions allow for closing accounts for no reason, it does not allow them to close accounts for a reason and not provide that reason to the consumer. They are hiding behind their unjust Terms and Conditions that allows them to not provide any justification for their action, therefore, hiding behind the truth that their actions are unconstitutional. 
I like to have someone with legal authority look in to their action as I suspect there is an underlying company process that may unjustly affect many consumers.

I have had a personal and business banking relationship with US Bank for over 30 years. If they are closing a 30 year relationship without providing a reason, it must be because they feel that providing the reason for selecting me would jeopardies their company and give me justification for legal action. Those who have nothing to hide, do not hide behind their bogus Terms and Conditions.

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