vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am an account holder with Ally Bank. I recently made a deposit of {$700.00} online through their app. I called up inquiring about why there was a hold put on it. I went through the customer service line and the first person didn't have too much information but was helpful enough to transfer me to a supervisor, XXXX. XXXX reached back to his " check processing '' dept. XXXX came back on the line and indicated the hold was put on because that department has reason to believe this check won't cash. I asked for further explanation and he said that is all he can tell me. I explained to him that I had deposited a check from the same payer a couple weeks prior, a hold was put on, and it did not bounce. The check that I was inquiring about was significantly smaller. I asked him what would happen if this was check that I needed access to right now. He said that it wasn't a " Dire '' need after reviewing my account. I'm not sure what he is talking about or what would constitute a dire need. I asked him if he was inferring to this check amount against my balance that is larger. I asked him to note the account with the notes of what he just said and explained to him how that is discrimination. I asked how I could reference him at a later date and he said anyone can just see which XXXX made the notes.

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 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET 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 2020-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET 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 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Hello I am reporting fraudulent collections and harassment. 
My personal information is being fraudulently used, I am being constantly harassed and billed from collection agencies with medical debt that's not mine. When contact the companies at the number provided on the report they are numbers that are no longer in service. AARGON collection agency constantly put collections on my report with different prices and account numbers and after having them removed they add more to my report. 

XXXX XXXX keeps adding debt to my report that isn't mine I had the fraudulent collections removed and they added new ones fraud collections I contact them on the number provided and it says it no longer in service XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX also XXXX XXXX XXXX XXXX collections that aren't mine keep harrassing me and wanting to collect a debt that isn't mine. someone I using my information.

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 2020-12-16 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: AZ

Complaint narrative:
On XX/XX/XXXX my granddaughter went in to XXXX XXXX XXXXXXXX XXXX to test drive a car. We told them that we were preapproved by XXXX  and did not need their credit. Without our permission they ran my credit through 4 companies and now my credit report shows 4 hard inquiries for something that I already had approval for. 
When I contacted them they said sorry the financial guy must have made a mistake and not to worry all 4 would show as one for an auto loan. That is not the truth. 
I tried to contact experian and they said I can't dispute this online. I asked the XXXX sales manager and dealer for a letter asking them to remove these inquiries from my records but they have never responded to me. 
My credit report shows poor now and I need this fixed. i have attached the letter that shows my prequalification from XXXX on XX/XX/XXXX and also a list from my credit report that shows the 4 inquiries they ran on XX/XX/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 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I always try to shop and sell online using Paypal. I found it to be most secure. I sold a product, the person received the product, and sent me a payment for it. Paypal decided to " hold the funds '' this has been going on for 3 days. I have contacted the recipient, and was told that they don't even have the option to click the " verify transaction '' button so that my funds can be released. Paypal charges fees for all transactions not sent to family and friends. They took their fee out, but I still have no access to my funds. If the money is " on hold '' why would they get paid for the service and I don't. The recipient has the product, Paypal has their payment, but I don't have my funds. I have tried to call Paypal for 2 days and the line hangs up after telling me they can't take my call. So what am I supposed to do when my bills are due and this billion dollar corporation is holding my funds, but won't answer my calls?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 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: PRESTIGE FINANCIAL SERVICES INC
State: UT

Complaint narrative:
Prestige has refused to release my title although the car has been paid off in full. I have been going back and fourth through the new financial institution for prestige to release my title to XXXX XXXX and they refuse although this has been paid for 5 years. I have now financed a new car where I have done a trade in on the car with title issues 2014 XXXX XXXX, this could potentially ruin my chances in purchasing a new car. 
I have gone to the dmv personally to fix the issue however prestige can not release the title to me to put chartway as the lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, XXXX XXXXXXXX and INFINITI FIN SVCS add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, CITIZENS ONE and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have contacted Capital One several times about getting a reduced interest rate on my accounts. I advised them that due to the Pandemic my income has been reduced and I would like to get a reduced interest rate. I can make the minimum payment but noting more then that at this time and my rates are over twenty percent on my cards. The only think they offered me was a skip payment on the account but refused to back off the interest charges. I advised them if I skip payments like this that would put my account into negative amortization. I advised them of this and they acted like they do not care and all I wanted was just a reduced rate during this time. I am just shocked with everything going on in the world that they do not have better help programs. I have been a loyal customer with them for years and they could care less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
my report says there is a late payment and a charge off and a collection account I dis agree with and unauthorized inquiries

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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank repeatedly mails me statements that do not reflect my payments, which are always sent in on-time. They threaten late fees when it is apparent that they simply jump the gun and prematurely send out statements with a double balance. My monthly amount due is {$1400.00}, but more than once, US Bank has sent me a statement for {$2900.00} because they are too incompetent to wait 2 days for a payment to arrive before they generate another statement. The new statement then threatens late fees for not paying on time, when I always pay on time AND I overpay my principal. This results in me having to take time out of my day to deal with their frustrating automated telephone menus and long hold times to get a new, accurate statement generated and verify that these crooks actually properly processed the payment I sent on-time.

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 2020-12-16 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: FL

Complaint narrative:
I would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
I received a call from XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX regarding an account. The account was supposedly a payday loan from XX/XX/XXXX that I did not pay back. However, I have paid back in full all prior payday loan accounts. They could not tell me where the loan originated but they said I could pay them installments of {$590.00} or a lump sum of {$920.00}. I told them I dispute the claim and they said okay, then hung up. They did have my phone number, last 4 of my SSN and my current address. It seems like they obtained information from a previous loan that was paid in full, then tried to claim it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Tri-State Adjustments, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2020, TRI STATE ADJUSTMENT IN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA TRI STATE ADJUSTMENT IN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had a savings account with Chase Bank & they closed my account due to no activity that I was unaware of. After the date of " closed account '', I still had access to savings account on my online banking. I was able to transfer money to & from my savings from my checking account starting XX/XX/2020. I had {$5400.00} total in savings account before issues started to occur XX/XX/2020. 
XX/XX/2020 I made a online transfer of {$400.00} from my savings to my checking account & the next day Chase took back that {$400.00} which put my checking account negative. I called customer service & was told to go into the branch. I spoke with the branch manager about the {$400.00} taken back from me & at that time was informed that my savings account had been closed since XX/XX/2020. I showed the branch manager on my online banking that I had a balance of {$5000.00} in my savings aside from the {$400.00} I transferred out that they took back. 
The branch manager used my phone to transfer the remaining {$5000.00} from my savings to my checking account & said he would work on recovering my {$400.00}. A few days later the bank took the {$5000.00} as well. The branch manager then filed a complaint with the branch complaints escalation group for the missing funds. 
Days later I received a call from a lady in that complaints escalation group stating my savings account had been closed since XX/XX/2020 & that there was a glitch with online banking allowing me to still transfer money to & from savings account. I went through my account statements with her, as I did the branch manager, showing my transfers from my checking to my savings & that money was deducted from my checking & those transfers never bouncing back, the money was successfully transferred into savings. Three chase managers now have told me this is something they've never seen before, yet chase bank hasn't returned my missing {$5400.00} to me & says they don't know what to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A dispute letter was mailed on XX/XX/2020 in regards inaccuracies of the inquiries and the collection account from XXXX XXXX. I did not receive any letter indicating that the information was accurately reported and verified. I sent a 30 day demand letter on XX/XX/2020 informing EXPERIAN that I had not received any correspondence in 30 days and that the reported inquiries and collection account from XXXX XXXX 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 2020-12-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife contacted XXXX to ask for a payment extension for my payment due XX/XX/2020. We were not able to pay the {$160.00} before the due date. The rep on the phone said she would split the payment into 2 and charge {$82.00} that day and the balance would be pulled prior to the 30 day late mark so that this wouldn't affect my credit. My late fee was supposed to be removed also as a courtesy. None of this was done. The rep didn't notate the account properly, she didn't set up the payment properly and now I have a 30 day late on my credit which was due to an error on their end and they refuse to delete it. I paid the bill as soon as I found out what happened but by that time the payment was 32 days late so in their eyes it was my mistake. My wife is willing to testify that this occurred if needed we just need this corrected asap. This is ruinning my credit and ability to refinance my home for a more affordable payment due to this pandemic.

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 2020-12-16 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: FL

Complaint narrative:
I would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-12-16 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: FL

Complaint narrative:
I would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or about XX/XX/XXXX, Capital One Credit Services closed out my credit account due to fraud suspicion. An investigation was launched and showed no fraud activity on account. I help this credit card account in good standing over 3 years, in the duration I was offered a credit increase and auto loan for outstanding payment history and relationship with the creditor. However, due to the fraud investigation results, this creditor closed out my credit card account with little to no feasible explanation why. The result devastated my credit score with a blow out decrease of 35 points dropping my initial credit score that I have worked hard to improve and repair.

Company response to consumer: Closed with explanation