vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened a checking account on XX/XX/2022 I provided everything they asked for and my account been working up until XXXX out of no where my account online was locked I couldn't login and I called to see what's going on and they won't speak to me can't tell me what is going on until I go in a local branch which is XXXX miles away not to mention XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of my age and so i am on high alert XXXX XXXX which means I can't even get up to use the rest room XXXX XXXX XXXX XXXX. I would like a simple answer as to what is going on with my account and why I'm unable to use or log in to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Purchased an Amex gift card from XXXX for XXXX gift to mother in law. She tried to use it and the retailer continued to say problem with card not activated. I spoke to XXXX  with my receipt they shifted blame to AMEX prepaid card, I spoke to Amex and they had long wait times and several times hung up upon answer far too many times to be a coincidence. They finally after 2 hours on hold took my issue and provided me a bogus email address to send my receipt copy of card and documents. I XXXX  the correct email address and responded to an email they sent me from another email address as well faxed the required documents to their fax to ensure they had all information confirmed. I followed up on XX/XX/XXXX and they stated they did not receive the documents, I then resent the documents XX/XX/XXXX. I followed up and AMEX customer service acknowledged receipt of all documents and requested an additional 7 business days to investigate and resolve. I contacted them via phone on the XXXX day, however, they then aid they didn't complete the job and escalated to back office and 48 hours later would resolve. I called 48hours later and they said the update is wait another 3-4 business days for a response. No resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Wrong information my account some old accounts over 7 years old and hard inquires need too come off.

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 2023-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial secretly drained my entire account of XXXX dollars using monthly XXXX dollar fees on an account that I had back when I was with XXXX. This was an account I had using the money I earned working in my teenage years and I had kept money aside in case I wanted to invest. Ally Financial decides to drain my account without telling me, and I only discovered it when I finally received an email from Ally Financial that my account has been emptied on XX/XX/XXXX. This is highly unethical and predatory, and I want my money back. As much as I want to sell everything and move that money they stole to a safe account, they only offer XXXX dollars back when I try their customer service. XXXX says " I do want to reiterate that this is a self-directed account and these fees were disclosed to you upon account opening '' when I actually had the account with XXXX  before it was bought out by Ally and I had it before they even started this nonsense. If they will not give my my money back and let me exit everything via their chat service online, then it looks like I have to try other routes.

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 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
This is a continuation of complaint XXXX. Amerihome after not responding to my phone calls placed my home into the foreclosure process at the end of XX/XX/2022. Prior to getting a foreclosure notice I submitted documentation to Amerihome for a loan modification. Once I got the foreclosure notice from the lawyer I immediately applied for the XXXX XXXX XXXX XXXX XXXX since I fell behind on payments due to XXXX. Both the law firm and Amerihome confirmed that foreclosure proceedings have been halted. With that in mind, I want written confirmation that I will not have any negative credit reporting during this time period. Amerihome has been unwilling to accept my mortgage payments, and negative credit reporting would both be unfair and detrimental considering my payments wont be accepted. I've included the XXXX  confirmation letter for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXXXXXX XXXX XXXX it shows up on my credit report that I missed a payment for these XXXX months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.

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 2023-01-31 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: SC

Complaint narrative:
I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXX XXXX XXXX it shows up on my credit report that I missed a payment for these XXXX months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.

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 2023-01-31 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: NV

Complaint narrative:
**second submission be because first one isn't showing Complaint Number XXXX I just received an alert that XXXX XXXX XXXX XXXX has been added to my consumer reports. This is defaming my character, as well as causing emotional and physical stress, anxiety and restlessness, therefore causing me to have XXXX XXXX XXXX among other health issues, and causing harm to my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

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 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendingUSA
State: TX

Complaint narrative:
My mother, XXXX, XXXX, an elder, was pressured and bullied into a getting a loan that used by her nieces- XXXX XXXX XXXX and XXXX XXXX XXXX 
I discovered this loan existed last month while my mother was in the hospital. In late XXXX, I confronted XXXX XXXX about the purpose of the loan and she said that she and XXXX used it for their father who passed away. XXXX XXXX explained to me that she would take care of the loan and reach out to the creditor/collections agency to fulfill the obligations and haven't done it currently. 

Today, XX/XX/2023, a pending financial abuse complaint # XXXX ( submitted by me to the XXXX XXXX XXXX  XXXX XXXX XXXX ) has been forwarded to the law enforcement agency by my current caseworker, XXXX XXXX, for further investigation and/or consideration for charges against the perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize or do any of these hard inquiries on my reports : 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize or do any of these hard inquiries on my reports 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Wrong information my account some old accounts over 7 years old and hard inquires need too come off.

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 2023-01-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Wrong information my account some old accounts over 7 years old and hard inquires need too come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Disputed late payments multiple times regarding XXXX XXXX XXXX Demanded proof of investigation because the late payments were in fact never late and it is being reported inaccurately after multiple disputes and chances to resolve this issue. 

In addition this account was furnished without my consent ( 15 usc 1681b ) and I demand either a correction of the late payment OR DELETION of entire 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 2023-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I Leased XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX. shortly after the lease I find myself under a lot of emotional and financial XXXX  as I am now a victim of these theft and vandalism crimes in my area, which are still on the rise for this exact make and model. First date was XXXX XXXX my vehicle was in the area of where I attend XXXX XXXX XXXXXXXX the window was busted in and I had to repair it out of pocket cost {$300.00}. And again rear window was busted into XXXX XXXX another out of pocket cost of {$300.00} for window repairs! There is also damages to the key ignition and steering wheel column which impacts the cars overall function. Repair cost and estimate is still pending at this time. After the first incident I took the car back to XXXX dealer in XXXXXXXX XXXX  and other places to try getting out of this vehicle, I was told my car had depreciated in value to $ XXXX which is ridiculous. now with no where to turn I feel trapped in a vehicle that has caused me already too much XXXX XXXX XXXX XXXXXXXX, I am risking my safety driving in this vehicle, not to mention the fears I have driving and parking it anywhere in an open area only to come to a missing or vandalized car is sickening. These incidents have left me to drive with broken glass, during winter months standing outside having to call police to scene, crying and feeling completely violated. In other recent attempts to trade in I feel undervalued as a customer at these dealerships and as a consumer of a XXXX vehicle. The low trade- in value Im rudely being offered for this vehicle is not fair, I should be able to trade this car in for something of equal value as my purchasing price. I can not afford to think my only option is to just under sell it after only having it for 4months, I want to avoid giving up on this car and ultimately ruining my credit over Hyundais faulty production of older models not installing immobilizers leading to this ridiculous trend of cars being stolen! By reaching out I am wishfully hoping someone can assist me in a better solution!!! For my peace of mind and safety!

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 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/2022, my fiance ( XXXX XXXX ph : XXXX ) refunded my half of the rent in the amount of {$500.00}. Then sent an additional {$500.00} so i could purchase a money order as she would be working late. the {$500.00} she sent was successfully deposited, but the {$500.00} that she refunded to me disappeared. We have spent hours trying to get this resolved. We both have called Cash App support and they continually tell us that its been refunded and that we need to speak to the bank. However, when we go to the bank they have told us that it was never refunded into his account and theres nothing that they can do without a pending transaction to work with, its been over a month and {$500.00} is too much to just chalk up as a loss. Cash app is unhelpful and we dont know what else to do at this point please help us the bank has no access to any pending transaction and can not help us. Cash app will not help us, and the money has disappeared. I have photos of the chat messages between cash app support, and ourselves. I have requested that they three-way call XXXX ( my bank ) and myself so that they can hear from the bank that it was never sent back, but they refuse to do so. I feel like if both the bank and cash app were to be on the phone at the same time we might be able to resolve the situation, but cash app will not do that

Company response to consumer: Closed with explanation