vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/22 I went to purchase a car and pay for it in full. When I went to transfer the funds, {$5000.00}, to my checking account from my savings account, I discovered my accounts were locked. The bank didnt immediately release my accounts after I confirmed my identity. I bank through Ally Financial. They eventually unlocked my accounts but this forced me to finance my car instead of purchasing outright. 

On XX/XX/22 I deposited {$10000.00} from my XXXX account where I have my paycheck deposited from work to my Savings account. Again, my account was locked but they unlocked it soon after my identity was established and the transaction was validated. On the same day, I decided I wanted to purchase two vehicles for my significant other and I. Prior to transferring money, I contacted my bank and informed them of my intentions. They refused to transfer the funds for me over the phone immediately. I answered every security question, provided my full name, date of birth, social security number, and called from the phone number on file. I also requested a call back after they spoke to a supervisor to determine what the course of action would be. When I didnt get a call back, I requested another call from the bank through the automated system and was told it would be approximately 45 minutes. I scheduled the second call back over an hour and a half before closing time. I never received a call back. 

On XX/XX/22, I attempted to transfer the funds, {$160000.00}, from savings to my checking account and my accounts were frozen. On XX/XX/22 I contacted the bank AGAIN. I was told that the amount was too large to be transferred and they could only transfer {$50000.00} for one transaction. This was not disclosed to me on XX/XX/22. They also did not unlock my accounts and I have been waiting over 30 minutes for a supervisor to talk to me about my issues. 

Additionally, anytime I transfer money from XXXX, XXXX, or XXXX into my checking account, the funds are not available in my checking account until after XXXX hours.

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 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I never heard or did business with that company.

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 2022-05-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid my Macys credit card off as agreed and they still have refused to remove it from my credit report after being told that they would over the phone. I have made disputes and it is still there. Also, I am unaware of XXXX XXXX XXXX inquiry on XX/XX/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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: P.S.C., Inc
State: SC

Complaint narrative:
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! 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection any debt

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 2022-05-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
For months, Experian has reported an account ( XXXX XXXX XXXX, Account # : XXXX ) on my credit report with missed matched dates and missing information. For example, they are not reporting the " Account XXXX '' and the " Verified Date '', which is information they must have but for some reason, it's been missing from my report for the past three months and nothing has been done to fix it.

As well, they are reporting this account as " Closed '' but they are missing the Closed date, which is completely contradictory information and needs to be fixed.

I sent 3 letters in the past three months and I gave them enough time to respond but to this day they haven't acknowledged my letters in any way. To this day, this account is still being reported as " Account not disputed '' and I receive absolutely no correspondence from this company.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive submitted disputes to both transunion and XXXX on XX/XX/XXXX for Account number XXXX I have been told that the account has been verified. However the information sent by the debt collector is outdated. The Proof of validation that was sent to me was an expired lease signed in XXXX. The lease terms clearly state the initial lease beginning XX/XX/XXXX to XX/XX/XXXX. The dates for the charges sent by the debt collector show a notice given date and move out date of XX/XX/XXXX. the debt collector has failed on multiple occasions to appropriately provide proof to validate the collection. This inaccuracy has plagued my credit for XXXX years and after multiple disputes the bureaus refuse to properly investigate my claims.

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 2022-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK
State: NJ

Complaint narrative:
This mortgage loan servicer ( Gateway Mortgage ) gives misleading information. Initially I was told that my mortgage payments could be pushed to the end/back of my mortgage loan, due to the loss of unemployment ( no fault of my own ) ( Covid related layoffs ) ( cut back from company, However the customer service representative from Gateway Mortgage I spoke with today told me a different story. She said I could defer payments for a few months. However, she said the payments for all missed months would be due at that end of the deferment/forbearance. This is not assisting customers by demanding full payments, especially if there was a loss of all income. I will have to reach out to my congressional leaders. Senators and have them investigate this matter if needed. These mortgage companies are supposed to be assisting the borrowers, customers. You are not assisting them if you are not deferring payments to the back of the loan. I can't pay 3 months up front if I specifically stated I lost my income. I was the primary wage earner. The XXXX of the company is XXXX XXXX ( This mortgage loan servicer ( Gateway Mortgage ) gives misleading information. Initially I was told that my mortgage payments could be pushed to the end/back of my mortgage loan, due to the loss of unemployment ( no fault of my own ) ( Covid related layoffs ) ( cut back from company, However the customer service representative from Gateway Mortgage I spoke with today told me a different story. She said I could defer payments for a few months. However, she said the payments for all missed months would be due at that end of the deferment/forbearance. This is not assisting customers by demanding full payments, especially if there was a loss of all income. I will have to reach out to my congressional leaders. Senators and have them investigate this matter if needed. These mortgage companies are supposed to be assisting the borrowers, customers. You are not assisting them if you are not deferring payments to the back of the loan. I can't pay 3 months up front if I specifically stated I lost my income. I was the primary wage earner. The XXXX of the company is XXXX XXXX. ( XXXX ) Perhaps he needs to be contacted about this matter. Or I'm sure he'll hear from my local congressional leaders if I contact them. I had a similar situation with my previous mortgage loan servicer. I reached out to my Senator and his office investigated the matter.. Perhaps he needs to be contacted about this matter. Or I'm sure he'll hear from my local congressional leaders if I contact them. I had a similar situation with my previous mortgage loan servicer. I reached out to my Senator and his office investigated the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
There are inquiries on my credit report that i didnt authorize and i am so dissapointed because my information suppose to be protected at all times.. i have been contacting the cra 's quit sometimes now in no one is responding to my matter at all.. however i can proceed with court matters if this isnt resolved because the cra 's has already violated my rights 1. ignoring 2. running my credit when i didnt authorize 3. inaccuracies 4. motion distress.. 

i am requesting under section 15. US 1681 PER 609 PER 604 that these inquires remove that i didnt authorize nor given permission they have 24-72 hours to fix

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 2022-05-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX Acct # XXXX has violated my rights by reporting 30 days and 60 days late. 

XXXX Acct # XXXX, XXXX, XXXX has violated my rights for continuing to report a closed/settled account. 

USC 1681 Section 602 states I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX Acct # XXXX has violated my rights by reporting 30 days and 60 days late. 

XXXX Acct # XXXX, XXXX, XXXX has violated my rights for continuing to report a closed/settled account. 

USC 1681 Section 602 states I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


JPMCB CARD Bal. {$0.00} Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made multiple disputed with Equifax. 

They are violating my consumer rights tremendously. 

Per Consumer law 15 U.S. Code 1681c2 States that you are required to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days of receipt without prejudice. 

I have sent multiple disputes via mail and through CFPB. The company replied back that they sent the notification via mail and they did. 

However, they sent me back a generic verified result when I asked for verification and validation that I owe the debt. 

Equifax has failed for the 4th time to send me proof that i owe this debt or an application bearing my signature. To this date neither has been provided. 

Equifax has up right refused to block this fraud after I have provided police reports and a FTC report. Equifax is the only CRA that refuses to abide by consumer law. 

Equifax dispute results confirmation numbersXXXX & XXXX ( results are attached ) This company is neglecting the rights of consumers and causing people to endure hardship due to their negligence. 

All items attached were sent to Equifax via mail and received XX/XX/22 per XXXX tracking. 

This is my second FTC report being sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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:
I sent my letter off XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also attached is the letter I sent out and here is the certify tracking # XXXX XXXX XXXX. 

According to the FRCA the term " investigated consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is it verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate, according to the FRCA 15 USC 1681 everything must be 100 % Accurate. 

XXXX XXXX XXXX  account # XXXX NOT MINE XXXX  XXXX  XXXX  Accounts # XXXX NOT MINE XXXX XXXX Account # XXXX NOT MINE

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 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
This company or person calls repeatedly, does not say what it is, who they are trying to contact or anything. I researched by phone number and it appears to be a collection agency. I do not have any errant debt, all credit cards and vehicle loan is 100 % current on payments, every month. I even pay ahead, like 4 months ahead on car loan so no clue what on earth these people are doing. I suspect they have a wrong number but they won't listen just insist they are right, amd badger rudely, but won't state who they are wanting to speak to! I smell a scam here. I'm not falling for this pack of lies from some unknown company.

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 2022-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
To whom it may concern, Citizens Bank has such a terrible job getting my loan closed this will be my second complaint within a week because they are still giving me problems I had to switch lenders because we were pushing the 90 day mark and they are now refusing to transfer my case number for loan XXXX which was requested over 1 week ago they have also The phone that it has been transferred which is false information I just checked with my new lender and they HAVE NOT received it as of XXXX a.m. here on Monday XX/XX/XXXX. 
Thanks a bunch for your help in advance and if you have any questions please feel free to contact me at the number below or my email address thanks again Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received a notice on XX/XX/22 from Transworld Systems, a debt collector that I owed XXXX XXXX XXXX {$13.00} as of XX/XX/22. The notice included the following account invoice # XXXX. They claimed this is my account #. I have never received a billing statement from XXXX. 
First of all I do not have an account with XXXX. So, I have no account number with them. Second, XXXX informed me that their accounts are 9 digits long. Obviously the account listed above has more than 9 digits. Upon researching Transworld Systems I discovered their reviews often describe them as a scam or fraudulent. I might be experiencing the same

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Carter-Young, Inc.
State: FL

Complaint narrative:
15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : CARTER-YOUNG INC ( AccountXXXX ) collection opened XX/XX/XXXX XXXX  XXXX  ( XXXX ) collection opened XX/XX/XXXX XXXX  XXXX  XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) account opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation