vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
We bought a XXXX XXXX XXXX truck through Ally Auto. It was in a wreck and was totaled. We checked online for the payoff amount to pay it off. We used the insurance payment and our personal money to pay the truck off completely as per what the online amount was. Two years later, they started billing us for an extra {$600.00} and adding fees that are now over {$800.00} that we do not owe. Every time they contact us via phone or email we told them we do not owe this amount and had paid it off, but they will not correct their records. They seem very corrupt and are constantly changing the amount they say is owed. They also told us that while we were waiting for the insurance check that they would freeze the account and not add additional payments or interest, but they kept adding fees anyway, and would not remove them. Now they have put bad credit report on our credit score and sent us to a collection agency.

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 2024-03-01 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: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is in direct federal violation of my consumer rights. 

The XXXX XXXX XXXX XXXXXXXX account should no longer be on my reports. 

The information regarding the payment dates is wrong, the ownership / reporter of the account is not being told to me from Equifax and Equifax have also ignored a lawyers request for arbitration. 

I demand that Equifax remove the report from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Violation under FCRA 611 ( 1 ) ( A ) and 623 ( b ) ( 2 ) The law established CRA have 30 days, and 15 days extra to investigate, if not CRA must deleted from its files.

Experian was unable to complete, prove accuracy and respond my disputes and reinvestigation after 54 days. Dispute was sent on XX/XX/year>. Today is XX/XX/year>. 
See attached letters and claims # XXXX, and 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 2024-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My HYS account was restricted all of sudden. I talked to them about the issue. They told it would be solved. After 2 days a person calls me while I was busy working at XXXX. I said I was busy and called back later. The person was saying she was from synchrony bank and started asking sensitive information. I was suspicious about the call and thought someone was trying to scam me. By the way the person was very rude on phone. I didnt give them sensitive information due to that suspicion. Later I came to know after talking on XXXX  in mobile app that the person calling was real. But after 3-4 days of restricting the account they even restricted me from signing in into the account in mobile app. I have been calling them multiple times they say they will unrestrict account in 2-3 days but it has already been 10 days. Nobody lets me know what is the problem. I never had these kind of problems with other banks. I am in acute need of money that is in my HYS account.

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 2024-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCOUNTS ; 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 XXXX XXXX XXXX XXXX INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is Inaccurate because i have NOT authorized these institutions to run my credit, establish credit lines or any type of finanacing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
PAYMENT MISALLOCATION - SYNCHRONY IS CHARGING ME HIGH INTEREST ON AMOUNTS I PAID OFF IN XX/XX/2023 AND REFUSES TO CORRECT THEIR MISALLOCATION. 

Lowe 's Synchrony XXXX Stmt balance total was {$7700.00} broken down as follows : " Regular '' XXXX ; " Fixed Pay Reduced APR '' 7.99 % {$7000.00} ; " Reg Deferred Interest/With Pay '' XXXX. I paid {$720.00} on XXXX plus {$130.00} on XXXX ( XXXX was minimum monthly pmt required and was to be applied to promotional 7.99 % balance ). Settings on my account was " Standard Allocation '' - excess payments will be applied to non-promotional balances first. 

I called Synchrony on XXXX and requested allocation of the XXXX pmt as follows : {$720.00} to Regular and {$260.00} to Deferred. They did not allocate the payment as I requested and still have not done so. I called again on XXXX with same request, but nothing was corrected. In fact, instead of applying {$260.00} to Deferred, they added it to my promotional balance as though it were a new purchase so I'm now paying 7.99 % on this amount, which I paid off on XXXX. 

On XXXX, I mailed paper letter with backup requesting same correction. Synchrony 's response was I should file a Dispute. I've sent multiple additional messages thru their online message portal. I've received conflicting responses : issue is resolved ; they'll correct & get back to me ; I should file a dispute ; it can't be corrected because I didn't make the request within 60 days, etc. My latest stmt dated XXXX still shows " Regular '' balance is XXXX, so I'm being charged 26.99 % interest on a balance I paid off on 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 monetary relief
Consumer complaint received 2024-03-01 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 request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

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 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
PayPal debit my account for {$250.00} on XX/XX/XXXX generate a negative balance, saying that I had a duplicate credit after I disputed a transaction with PayPal Credit Synchrony Bank on XX/XX/XXXX. I contacted both companies every day since XX/XX/XXXX with no help at all to resolve the issue, and each company do not have support about I own a duplicate credit, they just answer my complaint saying that the opposite company need to resolve the problem. Not sure how these XXXXwo companies share information or do business together but they mess it up my PayPal account.

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Request for Assistance with Account Closure and now a Refund Dear Sir/Madam, I am writing to request your assistance with reopening Case # XXXX, as the process of closing my account is still pending. According to the previous case notes, after closing all my accounts, the bank agent informed me that no further transactions would take place after 30 days. However, there were three merchants who refunded my account well after this period, without my knowledge. According to XXXX XXXX XXXX statement, the account in question was closed on XX/XX/year>, but it appears that it was not actually closed. I would like to understand why these funds were accepted and more importantly, why they were not automatically returned to me. I believe I should have been informed about this, and I am disappointed that this was not the case. I can't help but question Alans statement in his previous response, We are committed to serving our customers in a fair and ethical manner... 

I contacted the bank, and they assured me that they would issue the credit balance via mail. However, it has been over a month since that conversation, and I have not received the check. My BMO account indicates that the refund ( transaction ) took place on XX/XX/XXXX. Since then, I have moved, but I have a forwarding request with the postal service, and I have received other forwarded mail. 

Today, I attempted to use the chat function on the BMO website to inquire about the status of my refund, but I was logged out just as I received a response from the support agent. I was able to log back in and was reconnected, but the agent informed me that they could not assist me with credit card issues and advised me to call the helpline. Unfortunately, I was informed that the wait time for the helpline was another half hour. 
I have spent a significant amount of time trying to resolve this issue and finalize the closure of my accounts. I respectfully request your assistance in expediting the account closure and refund process, which has been ongoing for several months. 

Thank you CFPB for helping me with this. I look forward to your prompt response. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
XX/XX/XXXX, I was contacted by phone number XXXX, by a person claiming to be with an office with XXXX XXXX. He asked if he was speaking to [ he stated my name ], I said " Yes. '' He informed me of an open civil matter case, and needed to get me in contact with that office. I was given a case number ( XXXX ) and phone number XXXX, and was told to speak with a " XXXX XXXX ''. He asked if I had any outstanding balances, and I said " No I'm current with all my bills. '' I hung up and called this number. I was immediately put on hold, then asked for my case number. I was connected with a " XXXX XXXX '', who claimed that XXXX XXXX was his clerk. XXXX stated he was with " XXXX XXXX XXXX. '' He was informing me of a lawsuit for an outstanding credit card balance, with HSBC and XXXX XXXX. He stated they attempted to send me this documentation and a request for payment. I received nothing. He read aloud my address, and I confirmed that was correct. Still, there has been no communication from that company about any outstanding balance. XXXX claimed it " dropped '' off the credit reports after a certain amount of years, and this was last reported to the credit bureaus in XXXX. He stated the debt could've been brought back up if my status was found " worthy of litigation '' just because my " profile '' showed I held a job. 
It's been 14 years since those dates he claimed. I found out that statute of limitations with Arizona wouldn't allow any collection attempt over 6 years, regarding a credit card debt. He claimed they could " negotiate '' with XXXX and XXXX Bank, to pay off {$3200.00}. XXXX stated they ( XXXX Bank XXXX were trying to sue me for over {$7000.00}! 
I made no agreement to make any payments to them. I stated I would look through my own paperwork to see what I could find, regarding this so-called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-03-01 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:
XXXX. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. 

XXXX. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately. 

XXXX. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
Please remove this account from my credit file immediately. 

XXXX monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

RE : XXXX Account : XXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : XXXX Account : XXXX I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: CA

Complaint narrative:
1. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately.

2. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately.

3. I have the right to an accurate credit file and discrepancies like this are unacceptable.

Please remove this account from my credit file immediately.

4. monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

RE : XXXX  Account : XXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : XXXX Account : XXXX I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint!

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have submitted 2 previous complaints regarding the internal block XXXX has on my right to access my right to dispute and view my XXXX credit report on line. This matter has hindered my ability to also have an account timely monitored and disputed. My first complaint was filed on XX/XX/year> and the company replied. As of todays date, XXXX has not followed thru with any of the steps stated. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted 2 previous complaints regarding the internal block XXXX has on my right to access my right to dispute and view my XXXX credit report on line. This matter has hindered my ability to also have an account timely monitored and disputed. My first complaint was filed on XX/XX/2023 and the company replied. As of todays date, XXXX has not followed thru with any of the steps stated. See attached.

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 2024-03-01 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: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from Nelnet informing me that I was approved for the SAVE program and my account was switched from my previous IDR to SAVE. On XX/XX/XXXX I received a letter from Nelnet informing me that my account was placed into administrative forbearance for 12 months, through XXXX of XXXX. On XX/XX/XXXX I received a letter from Nelnet saying that I must reapply for the SAVE program due to not providing requested documents and proof of income. I spoke to a Nelnet representative today XX/XX/XXXX. Her name is XXXX, she confirmed that my entire application with a payment stub was in my file and she reviewed it during our call. She acknowledged I was informed that I was enrolled in the SAVE program and placed in administrative forbearance for 1 year. She then confirmed that my application is now labeled as " abandoned '' due to lack of providing proof of income. XXXX put me on hold while she attempted to call the enrollment department. She came back saying they aren't answering the phone. I explained that I was on hold for over 45 minutes while the previous representative was trying to get a hold of XXXX and I would be very content to hold until she could reach someone in the enrollment department. I explained that I arranged my workday to have plenty of time today to wait on hold and to get this issue resolved. XXXX explained that it is Nelnet policy to not continue to try to contact the enrollment department while clients wait on hold. She insisted that she will continue to contact them on my behalf over the next week and she will get back to me. I believe I have been blown off and that I will never hear from XXXX again and that I am currently not enrolled in any program due to Nelnet altering my status and kicking me out of the SAVE program after putting me on administrative forbearance until XX/XX/XXXX. Nelnet is changing the rules of the game and not giving me a fair chance to play legitimately. If I was approved and given administrative forbearance, how can they legally kick me out of the SAVE program and then refuse to let me stay on hold while I set aside time to try to resolve the problem ( have them correct their error? )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes do not recall each date submitted but i have sent certified letters and emails, my letter was completely disregarded with no action, they will remove the record then report it again i also have the same record listed 2 times on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes do not recall each date submitted but i have sent certified letters and emails, my letter was completely disregarded with no action, they will remove the record then report it again i also have the same record listed 2 times 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 explanation