vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
Ally Bank forcibly closed a joint account that my estranged ( soon to be ex-husband ) kept with a negative balance for 45 days on the morning of XX/XX/year>. When they did that, they cancelled the debit card associated with my personal checking account on accident. I can not access my account nor my funds and I am told they can only expediate a new card. I am dealing with a crisis situation with my vehicles caused by this same ex-husband where I have exactly today to correct or I will be without registration or insurance on both of my vehicles and I can only pay by cash or active credit card. I can not transfer my funds to another account and they inform me it is impossible to re-active a card once it is closed. They refuse to escalate my concern higher than supervisor and hang up on me while attempting to determine how they cancelled the wrong card and how to correct this today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Called several times to get Six-Digit organization code ( this code is needed to complete the form electronically ), the representative indicated after consulting with her supervisor they do not have the information and they are unable to provide that code, the only code they can give is the tax-id or ein number. The six digit organization code is needed to complete the XXXX program. They indicated that they can email the form however it will still take 30 days to complete processing, in which time the information would not be able to be used to receive PSLF.. Also representative indicated that she was transferring me to a supervisor, upon transfer received a message stating that someone would return the call within XXXX hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've requested the credit bureaus to investigate and prove that I'm the owner of these accounts. As of this month I have only received notification that they will not work on my file due to the submission not coming from me ( This is not true ) I have requested several time for the credit bureaus to their job but to no avail please 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 2024-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have not received any information regarding this debt despite multiple attempts to dispute it, and I have not received any response or information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NV

Complaint narrative:
In XXXX I noticed an auto loan showing up on my credit report from XXXX XXXX XXXX, I have never applied for an auto loan with XXXX and it was showing as a charge off account. I filed an XXXX report immediately on XXXX and sent a copy to all the major credit bureaus and a copy to the original creditor. It was removed from my credit report until it showed up again in late XXXX. I once again filed a XXXX report and sent it to the credit reporting agencies. I contacted XXXX directly by mail and phone calls, they have not provided me with any proof of this loan belonging to me nor any documentation that I applied for the loan or signed for the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and want only true information about me reporting and it is also hindering me from getting lines of credit. I have highlighted the discrepancies. Please remove this inaccurate information as you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE CONTACTED XXXX, XXXX, AND EXPERIAN, REGARDING FRAUDULENT INFORMATION REPORTING TO MY CREDIT REPORT. I HAVE SENT IN MULTIPLE POLICE REPORTS, AND THE CREDIT BUREAUS HAVE NOT DELETED THESE ITEMS WITHIN XXXX BUSINESS DAYS OF RECEIPT OF THE INFORMATION, VIOLATION SECTION 605B OF THE FCRA. THIS INFORMATION HAS BEEN VERY DAMAGING. I HAVE ALSO REQUESTED ORIGINAL WET INK SIGNATURE CONTRACTS PURSUANT TO SECTION 609A OF THE FCRA. XXXX HAS STATED TO ME THAT " CREDITORS '' DO NOT NEED TO SEND IN VALID PROOF ( ORIGINAL WET INK SIGNATURE CONTRACT ), which is not lawful. I negotiated with the representatives as well as sent in supporting documentation regarding XXXX, XXXX XXXX XXXX XXXX, as well as sent in my FTC report from the FEDERAL TRADE COMMISSION. I am rquesting that these accounts are DELETED PERMANENTLY in a timely manner. THESE BURUEAS HAVE NOT RESPONDED AND PROVIDED THE PROPER DOCUMENTATION WITHIN 30 DAYS. 

XXXX # XXXX {$13000.00} XXXX XXXX # XXXX XXXX XXXX # XXXX {$20000.00} XXXX XXXX XXXX # XXXX {$4100.00} I HAVE CONTACTED MY ATTORNEY WHO IS PREPARED TO BEGIN A LITIGATION PROCESS SHALL THESE ITEMS NOT BE DELETED WITHIN XXXX BUSINESS DAYS. FAILURE XXXX COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING UNVERIFIED/FRAUDULENT INFORMATION TO MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported 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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 INQUIRY - XX/XX/XXXX, INQUIRY XXXX XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR, XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX 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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
Aargon collection agency tried to collect over {$600.00} for a gas bill that I didn't call and ask to start and ultimately made my credit score fall XXXX points

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I dont know but they close my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
someone is using my information to get a car loan without my consent. I want this off of credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had a high end luxury watch business, processing payments via PayPal for many years. PayPal had approved my account for over two million dollars in processing monthly. Every transaction was tied to a timepiece serial number and a tracking number for shipping. I was processing around XXXX XXXX dollars a month in transactions through PayPal every month. 

On XX/XX/2021 I flew to XXXX with my family. While I was in XXXX, I transacted a sale on PayPal. For whatever reason, my account was immediately frozen, together with the buyers account and suppliers account. When I contacted PayPal customer service, I was advised that the money was frozen in the account for 180 days and I would not be able to do anything in the meantime. The amount frozen was {$71000.00} - this put a complete halt on my business, as I operated with one supplier and one buyer, all through PayPal. 

While awaiting the 180 days to end, I did what I could do contact PayPal and get more information, but was not supplied ANY answers. I would constantly be hung up on when asking for a manager to discuss this matter. The only reason I could see was " General Account Correction '' in the description ( prior to seeing this on a XXXX download of my transactions, the site only mentioned " USER '' in the reason. ) In doing research on the matter, it seemed that the freeze was only to protect the account in the case of a Chargeback, which had never once occurred on my account. 

Around 80 days in to the freeze, PayPal seized all the funds in my account. This includes my personal savings, operating cash and cash to pay my supplier, who I still owe. When finally getting an answer from PayPal as per the reason, I was led to understand that a transaction of XXXX or so dollars for a XXXX was the reason for the shut down. I clarified that the XXXX charge for the watch was for polishing and servicing the watch, not the price for the watch itself, and that there was no need to assume I was selling replicas or fakes, especially with the account history and reputation. The client and supplier can both provide proof of this, as the timepieces themselves came from XXXX. 

This has happened to many accounts in the high-end luxury watch industry. For PayPal to seize the funds and keep them constitutes nothing less than theft. I had to shut down my entire business due to this issue. 

Please have PayPal return the funds. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, my debit card was compromised and I requested Bank of America ( BOA ) stop all transactions. My auto withdraw to XXXX was also effected. So in order to pay my auto insurance bill, I used one of my credit cards ( last XXXX of card XXXX ). The amount owed to XXXX was {$75.00}. On XX/XX/XXXX, I received an email from BOA stating my recurring payments to XXXX had been terminated. I filed a claim because my bank statement indicated the bank had withdrawn the {$75.00} meaning I had paid my XXXX twice.I filed a claim ( # XXXX ) I received a letter from BOA dated XX/XX/XXXX stating the {$75.00} which had been credited to my account was to be removed. So the bank is claiming I didn't pay my XXXX payment with a credit card and was going to withdraw the {$75.00}. I sent BOA a copy of my account statement from XXXX which clearly shows I used a credit card to satisfy my auto insurance bill. I have contacted the bank on XXXX different occasions requesting my account be re-credited but to no avail. The bank representative confirmed the bank did receive my XXXX account statement. The claim # is all you will need to investigate my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
In XXXX I noticed an auto loan showing up on my credit report from Santander Consumer USA, I have never applied for an auto loan with Santander and it was showing as a charge off account. I filed an XXXX  report immediately on XXXX and sent a copy to all the major credit bureaus and a copy to the original creditor. It was removed from my credit report until it showed up again in late XXXX. I once again filed a XXXX report and sent it to the credit reporting agencies. I contacted Santander directly by mail and phone calls, they have not provided me with any proof of this loan belonging to me nor any documentation that I applied for the loan or signed for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I reviewed my credit report and saw many hard inquiries I do not recognize or approve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I reviewed my credit report and saw many hard inquiries I do not recognize or approve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: CO

Complaint narrative:
Was called by XXXX, they claimed that I owed money for a rental that I never lived in. They wanted the money immediately and tried to collect personal information on me. I hung up.

Company response to consumer: Closed with explanation