vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: CASHCALL, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I filed for XXXX  XXXX Bankruptcy case number XXXX. Cashcall was included in the Bankruptcy. On XXXX of XXXX I had the case dismissed against myself and started calling the creditors to start paying them for the full amount owed prior to going into bankruptcy. On XX/XX/XXXX I called Cashcall to pay the amount of {$2500.00} in full ; however, they referred me to their attorney 's office XXXX XXXX XXXX. I made a payment for the fully amount owed with confirmation number XXXX. Cashcall is now hitting my credit stating that this account was a charge off and no payment was ever made. I have called on multiple occasions and I am not getting any assistance or response back.

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 2022-05-18 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Im complaining on XXXX  XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need ally financial to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to ally financial because i can not identify the correct information on the account and they still refused my police report and also ally financial refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/disablity i have a fraud alert on my profile for over 5 years

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 2022-05-18 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX Comenity CapitalXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX did a hard inquiries on my credit report. I did not apply for any credit through this company. I called and they informed me that there was an application however the address didn't match mine. They said that they would contact the credit agency however the inquiry is still on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: CA

Complaint narrative:
XXXX  XXXX XXXX and NOVAD Consulting, for months, have been unable to respond to workout options costing thousands in lost equity for the borrowers estate and family, The corporate office for NOVAD has a person who hangs up when the tough questions arise. 

XXXX  XXXX XXXX has been proving to be of no value because they are aware of the level of misuse of personnel. 

The level of mismanagement and misinformation is leading to lost equity for the public and mental stress that is unnecessary and caused solely by the inability to service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nationwide Mortgage Bankers, Inc.
State: GA

Complaint narrative:
In XXXX XXXX XXXX Nationwide Mortgage Bankers offered me financing terms for a mortgage to meet my XX/XX/2022 closing date. Somewhere along the line they realized that they could not deliver what they have offered and instead of being upfront and truthful, they stringed me along for almost 6 weeks ; constantly delaying, lying and creating unnecessary issues, all in hopes that I would walk away on my own initiative. Within less than 2 weeks of losing my Earnest Money, Inspection cost and everything else I have invested, I decided to quickly use another bank to close the transaction so that I do not lose what Ive already invested. With such short timeframe and increasing interest rates environment, I was forced to accept an interest rate that was almost 2 times greater, a down payment that was 10 % higher and almost {$3000.00} higher points. I am a real estate agent and a real estate investor for the past 15 years and would have never under normal circumstances purchased an investment property under the financing terms I ended up accepting. 

Throughout this time frame ( XXXX through XXXX ), as I rightly became annoyed and persistently pressed My Broker ( XXXX XXXX ) for an explanation as to what was delaying the progress, he became very unprofessional, disrespectful, uncaring and unsympathetic to the stress and fear of losing my earnest money, that I was going through. XXXX XXXX began to ignore my calls/texts/emails for days/weeks, and whenever he did respond it would be some open ended nonsensical remarks, such as I am in a lot of meetings I spoke to his immediate supervisor, XXXX ( I can not remember his last name ), he too seemed helpful initially but ultimately disappeared. I went as far as to write a letter to Nationwidewide Mortgage Broker CAO ( XXXX { Can not remember his last name } ), but he did not bothered to respond. 

This company and its practices really need to be looked into. I saw similar reviews about them, but unfortunately I used them before I checked the reviews.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
In accordance with fair credit reporting XXXX XXXX ( s ) numbers XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agencies 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 2022-05-18 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: FL

Complaint narrative:
In accordance with fair credit reporting XXXX  account ( XXXX ) numbers XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agencies can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: AZ

Complaint narrative:
In 2016 a person unknown to me and without my authorization, opened 2 bank accounts with my personal information in California, I was affected since the creditors do not want to help me get out of this scam of which I was a victim and as a result, now I have debts. 
In XX/XX/2016, he opened an account for a credit card with Discover Bank and left me with a debt of {$6100.00}, I have tried on multiple occasions to fix this problem directly with the bank without obtaining results. 

The person who used my name and social security without my authorization used this address to open the account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: MA

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

15 U.S.C 1681 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

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 2022-05-18 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: FL

Complaint narrative:
Im complaining on XXXX XXXX and transunion after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX  refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/XXXX i have a fraud alert on my profile for over 5 years

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 2022-05-18 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:
Im complaining on experian XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/disablity i have a fraud alert on my profile for over 5 years

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 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested to close my checking account at the beginning of the year prior to the merger with Truist but Suntrust neglected to close account. There were some APO payments that came through during that time causing negative balance off account. ash trust paid them instead of declining due to closed account. This caused account to go negative. XXXX XXXX sent a XXXX payment to my finance but had my name listed as contact person and was deposited to this closed account with XXXX XXXX. Suntrust took the money and then closed account and charged off. I went to the branch location who stated that they are unable to take money out of account nor return it back to sender due to account locked for charge off. Spoke with charge off department and they referred me to XXXX. Spoke with XXXX department and they stated account locked by charge off department and only ones who can assist. Spoke again with charge off department and they advised that theres was nothing they could do since payment completed through XXXX. I have been trying to get access to this money for last month and a half. The sender has tried to file a complaint with their bank and was told that they cant do anything since my account status is the issue. I need this resolved ASAP to prevent additional lawsuits pending. Thank yiu

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 2022-05-18 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: FL

Complaint narrative:
I have a checking account with Bank of America ( preferred member ). On Friday XX/XX/XXXX I received an email that my balance was low. I checked my bank account and found there was an unauthorized transfer of more than {$39000.00} out of my account to an unknown account. I called the bank immediately and asked them to stop it ( it was shown as " processing '' at the time. They told me the money would be back in my account that evening. The next morning, I saw that not only the money wasn't back but the transaction had cleared. I called again that morning ( Saturday, XX/XX/XXXX ) and they told me that a form needed to be completed to file a complaint. They said it would show up within 24 hours. The next morning, Sunday, XX/XX/XXXX, I check again and no form. I call the bank again, and they said it takes more than 24 hours because it is the weekend. I called again on Monday morning because there was no form. Again, they tell me it will take 24 hours. The money finally appeared back into my account on Tuesday, XX/XX/XXXX. 
However, my account is now locked and there is nothing I can not have access to it through the online system. I have been calling to try to transfer the money to a new account but they put me on hold for long periods of time, with no option for call back. I have called twice today, was put on hold for around 30 min each time ( with the same annoying message playing constantly ) and had to hang up both times because of work obligations.

I find that the response of the bank is unacceptable. This is serious crime that is affecting my ability to pay bills etc., and they are not taking it seriously. It is maddening that I can not contact anyone to get access to my money. They are extremely slow to respond, and my impression is they are not taking this seriously or doing much about it. Furthermore, I have no information from the bank regarding what happened, how was my account compromised, and how to protect myself. When I asked during one of the calls I was told that anyone with my account number can take money out of my account. I can not believe this is true, otherwise this would happen very often ( credit card fraud happens frequently, but I have never heard of anything like what is happening to me ). 
I have tried to contact the bank in many different ways ( XXXX, on-line help, calls ) and I get nothing from them. 
I would much appreciate a response to this and whether I can pursue action legally.

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 2022-05-18 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: FL

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

15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent

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 2022-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am unable to login to my Synchrony XXXX XXXX account and NO ONE has been able to help me. When I go to login on the website, I am prompted to choose a phone number to be sent a one-time code. For many months now, I was given the option of choosing my current phone number ( ending XXXX ) and a phone number I haven't had for 15 years ( ending XXXX ). Now, I am only given the option to choose the old number ( XXXX ). I have called multiple times and no one has helped me. I have gone through a process of clicking a link I was texted, taking a picture of myself, taking a picture of my ID, and receiving a code I gave the customer service rep. Didn't work. I have since been told by account specialists that it has to do with my credit report showing an old phone number ( if this is so, why was I given my current phone number as an option until now? ). I have contacted all three credit bureaus and one ( XXXX ) had my old phone number. It has been removed. I still can not login. When I call the number on the back of the card, I am transferred around to people who do not know why this is happening, can not help me. 

As a result of all of this, I continue to be denied the ability to login to my account, view my purchase history and account history, make payments and more. It is not legal to deny someone the ability to see their charges and yet still demand payment. This is absolutely ridiculous.

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