vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I Consumer XXXX XXXX, Sent a notice of billing error pursuant to 12 CFR 1026.13 to Ally Financial to their financial Disputes, address that is listed on their website at Ally Financial INC. XXXX XXXX XXXX XXXX, MN XXXX. On XX/XX/2021 I have noticed several billing errors in the truth in lending disclosure section of the " Retail Installment Contract and Security agreement ''. The first one being the number of payments as well as the number of payments seems to be inaccurate on the payment schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure as defined as " A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation Z, which is applied in whole or substantial part, to purchase of goods or services from the seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Under Regulation Z also known as the truth in lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. '' The next Billing error is the downpayment on the itemization of the amount financed. The {$3000.00} downpayment placed under section f which refers to net trade in is a violation of 7 CFR 1436.10 ( c ). The downpayment may not include any trade in, discount, rebate, credit, deferred payment, post dated check, or promissory not to the supplier or contractor. The next Billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney in fact by the consumer to receive any credit on the consumer behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors are assumed to be a willful intent to mislead me the consumer and or to deceive me the consumer of the character/ amount of the alleged debt pursuant to 15 USC 1692e. All obligations and securities are owed to the United States Pursuant to 18 USC 8. DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.

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 2022-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Consumer Portfolio Services, has failed to provide me with appropriate information about this account. They have failed to provide me with the original instrument of in-debtness. They have also, failed to validate this debt. They have also violated 15USC1666 ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX , is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer 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
Consumer complaint received 2022-02-12 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: AZ

Complaint narrative:
I have contacted Experian and they still haven't Removed these fraudulent accounts these accounts are reappearing on my report after they have been investigated and removed last year i also have contacted Experian about these fraudulent inquires that need to be removed ASAP XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  {$660.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 
XXXX Collection opened XX/XX/XXXX Account type Collection EXPERIAN XXXXXXXX XXXX Credit Bureaus Inquiry date : Credit Bureaus Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, New Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : 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 non-monetary relief
Consumer complaint received 2022-02-12 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:
Months ago I sent this dispute to you CFPB along with the 3 credit bureaus XXXX, Trans Union and XXXX - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

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 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 non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Months ago I sent this dispute to you CFPB along with the 3 credit bureaus XXXX, XXXX XXXX and Equifax - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Collection opened XX/XX/XXXX Account type Open account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon my enrollment in Autopay on XXXX in XX/XX/2021 the website was showing " AutoPay Active '' with a green checkmark. In XXXX my vehicle was repossessed due to AutoPay not charging my account as intended. Upon my inquiry with XXXX, I was told that the AutoPay won't work unless the next bill is paid manually. Obviously, I didn't expect that and could not assume the cascade of non-payments will take place when I have a green checkmark next to AutoPay on my account. 

I have paid late fees multiple times due to AutoPay not withdrawing the payment on the scheduled date before. Twenty-five dollar fees havent caused me to to try do get to the bottom of the issue. I paid the fee, paid the balance, and enrolled in AutoPay again. But this time not only I was charged a repossession and towing fees but my credit report was marked. All due to XXXX XXXX  AutoPay being designed to fail unless the customer pays manually. I am willing to take this to an attorney if not addressed properly.

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 2022-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon my enrollment in XXXX on XXXX XXXXn XX/XX/2021 the website was showing " XXXX Active '' with a green checkmark. In XXXX my vehicle was repossessed due to XXXX not charging my account as intended. Upon my inquiry with XXXX, I was told that the XXXX won't work unless the next bill is paid manually. Obviously, I didn't expect that and could not assume the cascade of non-payments will take place when I have a green checkmark next to XXXX on my account. 

I have paid late fees multiple times due to XXXX not withdrawing the payment on the scheduled date before. Twenty-five dollar fees havent caused me to to try do get to the bottom of the issue. I paid the fee, paid the balance, and enrolled in XXXX again. But this time not only I was charged a repossession and towing fees but my credit report was marked. All due to XXXX 's XXXX being designed to fail unless the customer pays manually. I am willing to take this to an attorney if not addressed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX on the cusp of time to pay my XXXX house payment, I was transferred to BSI Financial ( not my choice- but the ridiculous way things happen to individuals by big business ). I was informed by prior mortgage company not BSI. I attempted to pay my mortgage to new company as instructed - but BSI did not have records ready for me to do so. It took more than one hour on phone to get that straight. Reason provided was that BSI had taken on many transfers. That should not be the consumers problem!. My loan is set up to escrow taxes and insurance and for mortgage company to remit. My insurance premium was due XX/XX/XXXX and once again I had to take my time to facilitate what should have been a seamless transaction by BSI. They paid the premium late!!! This has never happened in my decades of home ownership. Taxes were due no later than XX/XX/XXXX. Once again I had to wait on hold to the ONLY phone number provided by BSI and was promised about 10 days prior to XX/XX/XXXX that the taxes would be paid. THIS DID NOT HAPPEN. Another call week on XX/XX/XXXX to BSI - XXXX minutes on hold at ONLY PHONE NUMBER - only to be told they are busy! I am busy too and should not have to monitor a mortgage company. Was told AGAIN that this would be resolved and I would hear by XXXX XX/XX/XXXX. Of course no phone call and no tax payment and late fees have now been incurred. These people are horrible. I want resolution and do not know where to turn. Considering filing a breach of contract suit. Please help me and please place sanctions on this terrible establisment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I called Chase on XX/XX/2022 to dispute two charges ( XXXX full amount for train cancelled due to an ice storm PREDICTED FOR THE NEXT DAY ; XXXX partial for a XXXX hour flight delay voucher that I can not use ). The Chase worker, XXXX XXXX, said they would put me on hold for 2 minutes. I hung up after 10 minutes. Chase owes me {$120.00}. There is a third dispute that I think I was able to successfully submit on the Chase web site. That one was vs. XXXX for {$20.00}. ( XXXX told me my phone is too old and will no longer work but is still charging me for service. ) I contacted XXXX, XXXX, and XXXX to no avail. Please confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: CA

Complaint narrative:
ON XX/XX/2022 EXPERIAN DELETED AND INACCURATE FRAUDULENT ACCOUNT. THIS INACCURATE ACCOUNT HAS REAPPEARED ON MY CONSUMER REPORT WITHOUT ME BEING NOTIFIED WITHIN A 5 DAY TIME PERIOD PURSUANT TO 15 USC 1681i ( 5 ) ( B ) ( i ) ( ii ) THIS IS AGAINST THE LAW! I ALSO KNOW ANY TRANSACTION THAT IS HELD BETWEEN MYSELF AND THE PERSON SHALL BE EXCLUDED FROM MY REPORT PURSUANT TO 15 USC 1681a ( 2 ) ( i ) I NEVER GAVE EXPERIAN PERMISSIBLE PURPOSE TO REPORT THIS INFORMATION. IM UPSET BECAUSE THIS IS BRINGING DISHARMONY IN MY HOME AND CAUSING ME TO LOSE OUT ON EMPLOYMENT OPPORTUNITIES WITH MY LOCAL CAR DEALERSHIPS.

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 2022-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, PENN CREDIT failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I submit a request asking Equifax to remove a bankruptcy that was inaccurately being reported. On XX/XX/XXXX they stated they validated the bankruptcy with the company XXXX XXXX. That information is false XXXX XXXX, as of XX/XX/XXXX, has removed the bankruptcy from their database because they couldnt verify it. The bankruptcy is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: WI

Complaint narrative:
I took out a loan from XXXX XXXX XXXX in person located in XXXX, Wi. Shortly after I took the loan I became unable to pay them. This first started harrassing phone calls from them it got so bad I had to reach out to someone to have them quit calling me and they stopped, then they called me by phone again after they were told to stop either by your company or another consumer place I am unsure on who helped me get them to stop calling. 

So, a few years after all the calling went away I received a paper in the mail that said I could pay them off for a lesser amount then I had taken out ( a settlement offer from a company they hired to collect the debt from me ). I finally had some money to use towards debt and paid the amount offered in the settlement letter in the amount of {$210.00} I still have the document and the confirmation number as well as the person that took the payment and told me that this debt would be removed from my account within 30 days. 

About a week after I paid the debt in full as offered by the company XXXX XXXX XXXX hired to collect from me all of a sudden I started getting new amnts owed put on to my credit report from XXXX XXXX XXXX saying I wowed them XXXX plus dollars and making my credit score fall low i did a dispute and asked the credit Experian to have them remove that from my report because I have paid them in full. It was removed, less then a week later here XXXX XXXX XXXX comes again adding comments and dollar amounts to my credit report after they were told by credit Experian to remove the dollar amount this has gone on for almost 4 months because they keep adding comments and dollar amounts to my credit report my score is falling and i and my elderly mother are facing homelessness because my score keeps getting knocked down we are trying to find a place to live because my landlord has to sell his home and every single time i dispute XXXX XXXX XXXX they are told to take it down off my credit and then less then a week later that back at it again. This needs to stop and XXXX XXXX XXXX needs to be penalized I will take this matter to court if I have to I've reached out to the better business bearua, credit bureau, and the do not disturb phone line and I still keep getting harrased and threatened with dollar amount I do not owe. Total debt i owed was XXXX and I took the offer they asked the collection agency to offer me and I'm still being harrasssed. their has to be laws against this behavior especially being able to get into my credit report and contiounsly add things i have disputed this matter with the credit places XXXX, XXXX. at least 20 times... ..20 times!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Venmo denied my request for the unauthorized access. I'm requesting to review the materials they used to determine the case. It's been over a month since my request and they still haven't provided me any materials. 

My account number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The company Midland Credit Management trying to collect money from me that I do now owe they have threatened to sue but have shown no proof that I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
adverse action was taken against me because mortgage person was just only concerned about a XXXX appraisal fee. .and wouldn't explain why would i have to pay for additional appraisals if i wanted to compare other lenders... i have been banking with usaa..and the loan is guaranteed or backed by the va..I then called usaa back and tried to ask questions and all her answers were like matter of fact. .like they didn't want my business... 
i have XXXX bank accounts. .and i made ridge at XXXX ... .everyone of the adverse actions and turn down is very discriminatory... and im sure its because I'm of XXXX... I've been banking with them for XXXX years never late on a payment with USAA..Very disappointed and hurt from by me asking questions they treated me as i didn't deserve the respect.. Im a XXXX XXXX  veteran, and a XXXX veteran..and was treated horrible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation