vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
At the end of XX/XX/XXXX I moved from XXXX PA to XXXX NY. I set up mail forwarding but because of this there is a delay in mail that is sent to my old address. On XX/XX/XXXX I received a letter that had gone to my former address in XXXX from Bank of XXXX about my account. I have never had an account with Bank of America. I went to the website and tried forgot my username/password and found that while the address was my former address and the social security number was mine, the phone number associated with the account was not mine. I did not even live at the address used when the account was opened. I called Bank of America and filed a claim against the account. Since then I have continued to receive bank statements for an account that is open in my name. I have called Bank of America numerous times to try to get updates and a timeline for when this account will be closed. They will not provide any updates or information. They have not provided any assistance in regard to identity theft protection. When I asked how it was possible for someone to open an account in my name without verification of identity they said " you could open an account right now over the phone if you wanted without any verification. '' This seems like a pretty bad system and I simply want this issue resolved so I don't have to spend additional hours of my life on hold with Bank of America for absolutely no reason.

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 2023-04-18 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: NV

Complaint narrative:
I was signing up for a capital one credit card and was instantly declined despite having good credit, gave me no reason and proceeded to do a hard credit check and add another hard equity onto my account despite being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
So on XX/XX/XXXX, I called in to US Auto to put in a deferment due my divorce proceedings. I was be the XXXX XXXX XXXX that my deferment was a guaranteed approval. I sent in the paperwork from my divorce proceedings and the US auto rep XXXX XXXX looked over them and said yes to this is perfect. Your approval it guaranteed. He stated that it will take up to 7 day not 8 or 10 Seven days to take affect. I waited seven. My credit now is saying really late. So I pay my late bill. Because both of the payments are still reflecting. I called and another US auto rep XXXX told me that my deferment was denied because it was not a year old loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.

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 2023-04-18 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my Experian and XXXX reports by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to XXXX XXXX XXXX, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by XXXX XXXX XXXX. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My ex wife forged my signature in 2010 on an existing loan to facilitate the loan modification which I did not sign or consent to. 
The mortgage company PHH has accepted this forgery as legitimate and remodified the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial I have my car financed with Ally Financial and my account number XXXX Car details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I refinanced my vehicle through XXXX XXXX XXXX XXXX and they have sent the payoff check via XXXX on XX/XX/XXXX, XXXX tracking is XXXX and XXXX shows it was delivered on XX/XX/XXXX at XXXX and signed for by XXXX XXXX 
Check # XXXX amount {$50000.00}. 
My complaint is : Ally financial has not taken any action to payoff my vehicle, the customer service employees have very poor service and they dont have any information about the check or the whole situation and they dont have another number for their financial team who supposedly received the check and get my car payed off. 
Please help me to resolve this issue. 
Best Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. 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 explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I had nothing but trouble with this credit union since I opened the account. The first problem was they allowed someone to link their account to my account and did multiple external transactions which they did close that account and open another and refunded the money, the second problem was they allowed someone to do a take over of my account and do multiple XXXX transactions to themselves or whomever the person is and basically told me that it was my boyfriend and they couldn't do anything about it a totally of XXXX XXXX plus dollars gone and they did nothing but tell me oh well your problem and third and final problem is yet the same thing they allowed someone to link their account again to mines and did multiples external transfers to themselves totalling XXXX XXXX plus dollars once again got told that it was my problem cause I didn't answer the phone when they called. I don't even want the account anymore I just want my money back and they can closed the account. They don't investigate the problem and think just because the quote on quote device use is supposed to be yours they just say no error occurred. They might can get over on a older person but I am young and want all of my money 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 2023-04-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.

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 2023-04-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB Writeup I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: IN

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-18 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: GA

Complaint narrative:
The below inquiry and account do not belong to me and were opened fraudulently. Please delete these from my credit file. I have included the identity theft report as well. 

XXXX XXXX XXXX XXXX XX/XX/2023 Account # XXXX XXXX BANK XXXX XXXX XXXX, 2023

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Received email notification from Bank of America that there was a new application related to my name/social security number. There were several emails and I received them beginning at XXXXXXXX XXXX EST on XX/XX/2023. I looked up the fraud department number on the BofA website and contacted them at XXXX EST on XX/XX/2023. I verified my information and it was confirmed by BofA rep XXXX that an account had been opened using my information. He emailed me something related to fraud protection and advised that he was closing the fraudulent account. I thanked him and then I was placed on hold. I waited on hold for approximately XXXX minutes. I then spoke to BofA rep XXXX who once again verified my information, but advised that the account was NOT closed and that she was taking steps to actually close the account. XXXX not sure how someone was able to successfully open a bank account in my name without the emailed confirmation code, nor the correct address. I am also still not confident that the fraudulent account has truly been cancelled by Bank of America.

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 2023-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
LONGTIME USBANK CUSTOMER AND HAVE BEEN ABLE TO ACCESS MY ACCOUNTS AND PAY MY BILLS, TRANSFER, ETC. ABOUT 10 days ago on line I had to put in a password for a debit card. I have NEVER owned a debit card or even wanted a debit card. Long hours spent on phone & in person bank & thought situation resolved but then I was asked to receive a TEXT. I do not TEXT - I do no text and I don't want to text. Yesterday a young. woman at the XXXX & XXXX XXXX branch ( CA ) was trying to help me. I was treated as though I was an old relic from the dark ages. She was impatient. I have not been able to pay my bills. I am XXXX and there is little or no tolerance for my technical inability. I get frustrated easily and then the entire process exhausts me. I particularly object to being treated by anyone disdainfully and strongly believe that intuitions and companies find other ways. to deal with these issues.

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 2023-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I called and ask for a break down of my payment each month I pay the debt and the amount I owe never changes it was a car loan that I already paid intrest on now they are charging more interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I spoke with someone named XXXX XXXX at NCAC about a collection from a previous address. She stated that both myself and my now boyfriend both owed {$3900.00} for a place called XXXX. I knew we did not owe the amount because he never signed a lease with the company and I stated that to her. I also told her that I myself did not owe that amount because I left at the end of my lease according to the directions I was given by the lease manager. I was told to leave by XX/XX/2019 in order not to owe any money to them. I called XXXX XXXX and received a breakdown of what was owed after security deposit was deducted and charges were added for cleaning etc. XXXX does not want to acknowledge that and threatened to contact my employer and said the only way to make it go away was to pay the {$3900.00}. She was willing to take a one time payment of {$1900.00} which I did not want to do nor did I have it. I was willing to make payments on the actual amount owed but she refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-18 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: DISCOVER BANK
State: GA

Complaint narrative:
A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes.Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because I am interested in XXXX my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check before applying for federal student aid. I have filed a dispute with XXXX XXXX and XXXX. 

All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with Exhibit to FTC Affidavit Page, are fraudulent. 

What bogies me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), Ive been receiving weird, unknown calls. 

I have also filed a complaint with the CFPB. 

I am willing to prosecute.

Company response to consumer: Closed with non-monetary relief