vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dave Operating, LLC
State: MN

Complaint narrative:
I called Dave.com to request that they update my payment history for their " XXXX XXXX '' from XX/XX/XXXX  to XXXX as I had a soft pull done for a home loan there was an account still open for it on my report for {$200.00} stating I was paying {$620.00} a month, which is untrue as I paid it on time and in full. They simply refused trying to get me to call XXXX to get it resolved. XXXX was equally unhelpful in filing a dispute stating that because they couldn't see it on my report in the last year they couldn't do anything. 

I ended up requesting my monthly statement from XX/XX/XXXX  and was told they don't keep records from that far. ( this is shady and I believe done maliciously to cover their tracks and wrongdoing ) requesting that they update the credit bureaus ( XXXX ) that I paid on time and in full they refused stating that they don't do that anymore. 

All in a lovely XXXX hour phone call with Dave.com I have nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
A credit card was open in my name and a flight was purchased. I immediately got notification and canceled the flight and opened up a fraud investigation. The fraud unit said that I was liable for the cost of the flight which I did not take. They never contacted me. They never provided me with any details about the purchase of flight time what time I canceled the card. They did not complete an investigation and continue to charge me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX sent incorrect reporting of a late payment of {$45.00} to bureaus for the month of XXXX, on the XXXX day of the month. I have called and sent in online request to have the discrepancy removed with no answer or response. I have attached my bank statement showing my bank account debited on XX/XX/XXXX, in the amount of {$44.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XXXX of 2023, Ally Financial reported me as being delinquent two payments on my vehicle. This was shocking as since the inception of the loan several years prior, I had set them up on auto pay and had never been late. I checked my bank account and both payments had been swept on time and cleared. I provided confirmation numbers to Ally, but they insisted these payments had not been made. Upon further investigation with my bank, XXXX XXXX XXXX, I learned that at some point in XXXX, the two organizations changed the manner in which they transfer funds electronically ( or not ) between each other. Without alerting consumers, they changed this method, to what I believe may a manual check process. Addresses were provided unbeknownst to me between the organizations, several of them wrong, with checks being returned and reissued multiple times, again completely without my knowledge. Once I was finally in the loop, I made an immediate payment over the phone plus penalties ( and have still not been reimbursed by either organization for that ) to catch up. XXXX XXXX XXXX issued an immediate good faith letter for their role and Ally assured any negative impacts to my credit would be handled. I was in the process of buying a home, and as I have few credit lines, this single event dropped by score by XXXX points. Ally did nothing in the 6 weeks I was closing to assist in clearing up this issue, and in fact, continue to refuse to correct it, even after I disputed the negative reporting with all three credit bureaus. I have contacted Ally on multiple occasions by phone, each time they claim to have not received the good faith letters from XXXX XXXX XXXX, even though they have been faxed multiple times, I have provided them via their website, they were on the phone with the bank directly etc. Additionally, after receiving their letter stating that they were not changing their credit report on the incident, they have no physical address available to address future letters to, and their online portal did not recognize my account be email or username. After calling again and being told there is no way to send a letter, I threatened legal action, and then, and only then did they provide a XXXX XXXX XXXX of which I doubt I will ever receive any response to. I asked for a physical address or any address a certified letter can be sent to as was told it does not exist. Massive financial organizations like this hope to wear consumers down by making communication and information nearly impossible. These inaccurate negative reports have hugely impactful real world implications to me and all, and I appreciate any help you can provide in this process. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Royal Pacific Funding Corporation
State: CA

Complaint narrative:
I requested evaluation of my property to estimated on its value to removed MPI insurance. My mortgage company send the forms and what the fees i need to send back .I did send back the forms filled and fees $ XXXXThis will begin to process XXXX TO GET ORDER.I started this process mid XXXX. The second I receive an email from XXXX stating ( if you would like to have a XXXX COMPLETED FOR YOUR PROPERTY, PLEASE SEND WRITTEN REQUEST TO following XXXX ). This email was receive XXXXXXXXI did respond back with an account number and the following message ( I would like to order XXXX appraisal order for second time now with this written email. The first was with forms sent by my mortgage. They have been giving me false information and each time i called there no respect toward my mortgage account. All the time they give me false information on to what's going on with this order I ask for in writing and email request and fees paid for already .My property home value in my are are going around {$700000.00} AND $ XXXXIn order to removed my MPI my house appraisal has to come in around XXXX, ooo to get the MPI REMOVED.I understand completely how this works. 
Options that i had selected on the forms i sent back was OPTION 2 1.HOME IMPROVEMENTS 2. PMI can usually be canceled after your home 's value has risen enough to give you 20 % to 25 % equity in your home current value 3.GIVING DOWN A PAYMENT TO GET TO 80/20 There giving me the round about and not straight answer each time I called. Quote its being process or they don't know whets going! 

There is one more major error they committed and I'm paying for it now. I can explained when I talk to someone. I'm tire of there mistakes and one of the major reason I want my MPI removed, so I can cancel there services. Its a headache dealing with them all the time. I have never been late on any of my property payments. I know we are numbers to them but this would benefit my family if I can removed my MPI. There are no homes properties in my area less then XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit 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: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
In XX/XX/XXXXXXXX I contact HSBC USA as there were four items on my credit card that I did not recornize - the total amount was {$230.00}. We cancelled the card and I had asked them NOT to provide a new card. Well they did set up a new card but did not send to me. I was checking with HSBC on the status of the dispute and they advised me that I owed them {$210.00}. I went back to my statements to try and figure out where this amount came from. HSBC had allowed a payment for my insurance company of {$99.00} to go through the new card ( even though this was NOT authorized by me ). This I agree and I will pay. They also included a dispute that was settled in XX/XX/XXXXXXXX  and one that I had been trying to get removed from the credit card since then and had no success, even though I have a letter stating that the dispute was settled. When I spoke with them today they told me I needed to send that letter again to them through email and also fax??? I didn't know that we had faxes anymore. They also told me this would take a number of months to fix. I CAN NOT afford to pay this disputed amount of {$540.00} so if I don't pay it then my credit is ruined. Also, I can not get back the XXXX dispute of {$230.00} because they applied it to a credit card I do not have. On top of all of this, HSBC closed my accounts ( that I have had with them for over 15 years ) at the end of XXXX. They sent over {$150000.00} via XXXX XXXX to my home in XXXX  and left it on the front step. I was out of the country at that time. They bounced my paycheck and all of my end of month bills because I did not find out until XX/XX/XXXX that they did this and that was because I went online and could not see my accounts. They had priviledged information on knowing I had XXXX HSBC bank accounts and that was used against me and they closed my accounts because I would not tell them my income in XXXX - even though XXXX had just confirmed all of that information the month before. I can not locate a statement for the new account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE REMOVE THE FOLLOWING INQUIRIES AND ACCOUNTS FROM ALL THREE CREDIT BUREAUS IT DOES NOT BELONG TO ME : TRANSUNION INQUIRIES- 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 

TRANSUNION 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 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE REMOVE THE FOLLOWING INQUIRIES AND ACCOUNTS FROM ALL THREE CREDIT BUREAUS IT DOES NOT BELONG TO ME : 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 

EXPERIAN INQUIRES : 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 

EXPERIAN ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal Credit Union has yet to remove the account I Opted-out of on XX/XX/2023. Please delete this account as it is hindering me and my family financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. I'm now opting out any and all authorizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NJ

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I got an email stating that my account was being closed because it was not in compliance with the international policies. With no fair warning ior explanation as to what that means or what happened. I have remaining funds in my account and they are refusing to send out my funds that are remaining in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
Kindly delete this inquiry from my credit report. I did not initiate it and have no connection with the associated creditors. I urge for its immediate removal to ensure the accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

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

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: IN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Business Adv Fundamentals checking account on XX/XX/2023, there was a bonus {$200.00} that was suppose to be credited to the account after I satisfy the terms. As of today, I still have yet received the bonus.

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 2023-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent out dispute letters over and over again since the begining of this year, in XXXX The laws states that I have the rights to a fair and correct reporting. I need these accounts to be deleted now. I have not given my permisson for anyone to share my info or to put anything on my credit without my written permission. 

XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a Citizens Bank checking and savings account on XX/XX/2023. On XX/XX/XXXX, Citizens bank closed my account without giving me any reason leading to my direct deposit being returned and causing a host of other problems with other payers where I was intending to use my account. 

Citizens Bank has refused to provide any information on why my account was closed. They then sent me a letter to visit a branch and the branch went on to say that they can close any account at any time without any reason clearly alluding that we have the right to discriminate as and when we see fit - rules do not apply to us. 

After a few days of closing my accounts, Citizens Bank then went on to email me stating that my username/password has been compromised. After trying to deal with them over the phone while on XXXX XXXX, I was never able to figure out what happened until I reached home and learned that my accounts were unceremoniously closed. 

Over the last one month, I have tried to call the bank, reach out to the branch, but the bank has refused to assist me and reopen my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I recently received a copy of my credit report and noticed that there are inquiries that I did not authorize. The entries in question appear to be inconsistent with my recent financial activities, and I am eager to resolve this matter promptly. I kindly request a thorough investigation into the origin and purpose of these unauthorized inquires. Additionally, I would appreciate the expeditious removal of these entries from my credit report. 

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