vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I have disputed the Ally bank info @ least once on all 3 reporting companies and obviously they all get the same info from Ally.this acct is from XXXX and should be removed. I have been told by XXXX it would age off XX/XX/XXXX, XXXX XX/XX/XXXX. However now Ally has changed acct closed dates to XX/XX/XXXX. I have been unable to secure an auto loan since this, even though I had a paid as agreed XXXX XXXX just paid off 2mos ago. I was told by XXXX mgrs they have never seen a closed auto loan be re opened ever much less 7 years.later. I can't get any help from credit agencies and don't understand their broken english. I'm not real savy with this but I hope you could investigate and fix.this. I have never filed a cplaint before but I am being mistreated here and if you look at all dates and documents I know you will understand what is going on. Please help, I have worked hard to fix things and now I get turned.down.for.everything. looking.to use my VA loan to buy a home, I'm a 40 % XXXX XXXX XXXX and I'm not asking for a favor just want this.to be fixed correctly. Also I'm sure last payment was in XXXX. I lost my job couldn't make payments and in XX/XX/XXXX I started getting my SSDA and soon after.my Veteran.Diability or this would never happened. That's why I think XXXX last payment.i just want to know when this will be removed as Ally bank is mad at my disputing but I know they have changed dates etc... Very sorry this is long but I'm very upset and can't get help and will this cover all 3 bureaus? Thanx, 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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX reported that I have not made any payments on my credit card since as far back as XX/XX/XXXX ( possibly longer, but that is as far back as I can see on Experian ). On XX/XX/XXXX, XXXX reported to the credit bureaus that my account was past due. It was not. I have never missed a payment with them, and my credit report shows no other negative information for the entirety of my credit history. I have never missed a payment on any card, including this one. 

THEIR INCORRECT REPORTING IS JEOPARDIZING MY ABILITY TO SECURE HOUSING FOR ME AND MY XXXX YEAR-OLD CHILD, AND OUR LAST DAY IN OUR CURRENT HOME IS APPROACHING QUICKLY. 

I disputed this information with XXXX both via Experian 's website and on the phone with XXXX on XX/XX/XXXX. I spoke with a XXXX representative a couple of days later, and I was told the information was being corrected. Experian showed the dispute as confirmed accurate on XX/XX/XXXX. I called XXXX again and was told again that the bank had corrected the information. I asked for written confirmation of this and was told I could only receive this via postal mail. I confirmed my mailing address and was given case number XXXX. Two weeks later, I have still received nothing, and my credit report continues to reflect incorrect 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 non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Venmo froze my account saying I needed to verify my government ID after Ive had the account open for over five years. They froze it when I was sent {$2800.00}. I have received various amounts but not that large ; highest was likely {$1000.00} or thereabouts. They have not stated why my funds and account is frozen. They have not explained via the numerous chat inquiries I have submitted and keep postponing the date I will have funds available. Its always 6-7 business days but that has come and gone with no answer from Venmo. I legally and lawfully obtained my funds, as is the profile individual I received from. They have not helped in any way and have now withheld nearly {$3000.00} from me with no answer or solution in site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: AL

Complaint narrative:
I was in the process of selling my house and I asked my old loan company ( Stearns Lending ) for a payoff so I could be ready by our closing date and in the middle of them getting me my payoff they sell my loan to Guaranteed Rate, I wasn't notified of this process until 7 days after it was sold and I had to find out myself by calling my old loan Company. I've been trying to get my pay off from Guaranteed Rate for around 10 days now and they keep transferring me to different people, and giving me different solutions on how this will be resolved. I've already missed two closing dates because of this issue. The first time I called the representative on the phone told me she would put in the request and I would get a mailed copy of my payoff within 10 days, The second time I called I was told representatives couldn't put in the request and that I had to specifically request it myself by email and I wouldn't get my results up to 14 days of request. I emailed a second time asking them to reply to me about my first email to see if they got it and they also didn't respond to it. I had to call a third time just to check and make sure they got my email. It seems like they just keep transferring me to different people, and making up excuses and different ways for them to not give me my payoff so they can add more fees to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This card company constantly send emails and letters around the XXXX and XXXX offering to say you're pre-approved knowing these are the time people pay their bills to deny deny them. I constantly receive these which actually have hard inquiries and some do not and they and not solicited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-26 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since the pandemic started, my well being became compromised. It was a relief that I was eligible to put my mortgage in forbearance when the pandemic first began. My mortgage servicer was reluctant to put me in forbearance but the XXXX XXXX XXXX  XXXX XXXX told me that this was a requirement. 
Now that I can no longer be in forbearance my mortgage payments are due monthly. But work has become difficult as I am XXXX years of age. 
In XXXX, 2022 I applied for mortgage assistance through the HAF program, XXXX XXXX XXXX  XXXX. I was conditionally approved for assistance by HAF last month. After being conditionally approved, HAF contacts the applicants mortgage servicer which in my case is JP Morgan Chase in order to arrange a mortgage modification. I called XXXX today since I still have not been approved for assistance. I asked XXXX if they tried contacting Chase and they said yes but that Chase has been unresponsive to XXXX. 
Even before I applied for mortgage assistance I asked Chase if they would do a mortgage modification and they said no. 
I have always paid my mortgage on time but now in view of the fact that my health has suffered due to the pandemic, mortgage assistance through a loan modification with my servicer would be most helpful in keeping me in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
I received a letter from the agency on XX/XX/XXXX stating that my physician had sent a debt for a medical bill to them. I immediately disputed this debt in writing, since the bill in question had been paid. I am continuing to receive bills from the collections agency after disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiry to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiry removed or have anyone from Experian contact me about the status of my concern. Here are the incorrect information and inquiry that I am trying to dispute : XXXX XXXX XXXX MI XXXX XXXX US SM BUS ADMIN ODA Date of inquiry XX/XX/2020

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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Jpmcb card XXXX XXXX XXXX XXXX, DE XXXX XXXX I applied on XX/XX/2022 to the Southwest Rapid Rewards Plus Credit card ( info above ) to used to book flights. It was the first time applying for their credit card and I was denied without a reason for denial and the hard inquiry was placed on my XXXX credit bureau. I have a credit score over 740 and I don't don't have high credit utilization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for and received an American Express credit card offering {$270.00} cash back if the card was used for a target amount. I did this and received the cash back as a payment deduction. I decided to cancel the card 1-2 m later. Recently I received an e-mail indicated that the cash back was reversed and I now owed that amount. It was never made clear to me in any obvious way that the card needed to be held for one year for this offer to apply, only that I needed to use the card up to the target amount. I did not solicit this offer- it was a pre-approved solicitation by mail. 
It is likely that this one year rule was somewhere in the multiple paragraphs of the user agreement, but this was never made clear in any of the summaries of the offer, or when I cancelled. I had an AMEX card in the past for many years and was checking this one out because I received good service on that card. 
I think this is a shady way to do business. Why does AMEX make these offers and then revoke them? 
XXXX XXXX ( for record : birthday XX/XX/1955 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26 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: AmerAssist A/R Solutions, Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: KY

Complaint narrative:
On XX/XX/2022, I received in the mail a debit card for a checking account that I did not open with XXXX XXXX. I called XXXX XXXX Fraud Department and informed them that this was fraudulent activity and to please close the account. The account is showing on my credit report with Transunion as being an active, valid account. XXXX XXXX would not disclose any information as to the email or phone number listed to the account. I asked them to inform me when the account had been removed from my name and they said they would send an email to the email address listed on file. Duh. So the person that fraudulently opened this account is going to be receiving the email. Being the victim of identity theft and having to work with the IRS, SSA, and the credit bureaus, this is the very last problem I need.

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 2022-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose

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