vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I received an offer to open an Ally checking account since I have an auto loan through them. I opened an account and kept receiving emails to fund the account and set up direct deposit otherwise they would close my account. 

I set up direct deposit and transferred over {$4000.00} in funds ( all of my funds ) to my Ally checking account since I wanted to use it as my primary account. Only then did ally tell me that it would take up to 10 days before I received a debit card or access to my virtual card. 

I do not have any other access to funds in any other account. They instructed me to try to using XXXX to transfer money but then they sent me an email that it will take 4 days to receive the XXXX transfer. 

I have no food or gas and Ally will not give me access to my funds to that I can eat or get to work. They are holding my funds hostage through their harmful practice. It is possible to release a virtual card to customer while the physical ones ship and Ally is refusing to do so for customer after pressuring them to move their funds to an ally account. 

I now have no chose but to go 4 days without eating even though I have money in my bank account. This is inhumane and ridiculous. 

I would have never transferred all of my funds to Ally had they made it clear that they would hold my funds hostage.

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 2023-02-25 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: CO

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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-02-25 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: United Revenue Corporation
State: TX

Complaint narrative:
I am allowed under the XXXX law ( XXXX XXXX Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to vali-date it may be a violation of the Fair Credit Reporting Act, which can allow me to seek dam-ages from a collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Reference complaint # XXXX. 

PennyMac has provided incorrect information and needs to remove homeowners insurance from our escrow account as our LTV ratio is 60 %. PennyMac has removed our PMI insurance as of XX/XX/XXXX as our LTV was less than 80 % and indicated that they would remove our homeowners insurance after the PMI was removed and the escrow balance went from negative to positive. PennyMac stated that the homeowners would be removed from escrow by multiple PennyMac representatives ( XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). The LTV on our loan is at 60 % as of XX/XX/XXXX and our escrow was positive until PennyMac erroneously paid our homeowners insurance from our escrow account. 

XXXX needs to remove our homeowners insurance from our escrow account immediately and change the responsible party for homeowners insurance from XXXX on Borrowers Behalf to Borrowers. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: SC

Complaint narrative:
XX/XX/2023 - I have requested the removal of a activite security alert that is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.C.S 1681. 

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 also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681c-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been getting spammed with debt collector since XXXX. Since Im currently going through financial hardship its been extremely hard and stressful for me to provide just food and rent let alone pay debt. Capital one and XXXX XXXX have been calling all time of day some as early as XXXX in the morning to random time like XXXX. I ended up blocking most of XXXX XXXX number but a few still pop up. Capital one has no restraint and presses with phone calls and emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I have disputed both accounts multiple times as an erroneous and duplicative but the company has refused to take appropriate action to rectify the matter. This issue has caused undue hardship for me and my family and an inability to secure housing after a recent major catastrophic event ( XXXX XXXX ). 

The company retained my deposit upon agreement of termination of the lease and later added duplicative charges for the amount that was already paid to my credit file. The leasing company admitted that there was a clerical error but they have refused to address this for years. 

At this point, I am going to advice of legal counsel for damages for the breach and potentially punitive damages for their intentional and gross misconduct. These accounts need to be removed, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXXXX/XX/2022 at XXXX XXXX XXXX XXXX  I placed an order ( Order # XXXX ) using my Kohl 's credit card. 
Order was was updated and several items removed by Kohl 's. Order was shipped and delivered on XX/XX/2022. After reviewed of received items, I went to Kohl 's store : XXXX XXXX, XXXX, XXXX, GA on XX/XX/2022 to return all received items. 
XXXX at the store informed me that she could not return the items because my order doesn't appear in her system. She then recommended to call Kohl 's customer service to process my return. 

On the same date of XX/XX/2022, I call Kohl 's customer service toll free line and spoke to a customer service who stated : " We acknowledged your request to return the order and we will process your refund in the next 3 to 5 business days ; However, you do not have to return the items. Please give them to a charity or donation or you can keep them ''. I insisted to return the items and she said she can't take them. So I was really clear that I am not to be charge for any fees. She said that I am safe to give them away. 


A couple months later, on XX/XX/2022 I received a letter from Kohl 's asking for me to make payment of {$100.00}. Which seemed strange when I placed an order of a total of {$51.00} then later adjusted by Kohl 's on the basis that some items " Recently Sold Out ''. So my order total become {$45.00}. 

So I called Kohls customer service and I talked to XXXX ( Employee ID XXXX ) Who stated that no record of my previous discussion were enter for that order and it appears that Kohl 's systems still have me responsible to pay the {$45.00} plus {$100.00} fees. I argued that was not true and they should have record of my previous communication with initial Kohl 's agent. None was found. I then asked to speck to a supervisor : XXXX XXXX XXXX XXXX 
A reference case was established : XXXX where XXXX fully addressed the mater and stated that my account should be cleared from {$140.00} to {$0.00} balance soon. She also heard the situation and also took notes and assured me to reverse all charges. 

Now I am really surprised to see Kohl 's completely HURT my credit score to poor due to their lack of professionalism and amateurism. 

Kohl 's sent false report to Credit bureau accusing me of missing payment when it was never the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
Repeated calls to numbers to me and family members

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: AL

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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-02-25 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: CO

Complaint narrative:
On XX/XX/XXXX I sent Experian a letter for two accounts that they are reporting an inaccurate payment status on. 

I have not received a response, and this inaccurate information is hindering me from getting approved on a mortgage loan. 

On XXXX, this loan is closed and paid in full for over two years. They are reporting a delinquent payment status from XXXX it states " Paid, was past due 30 days. The loan was never late. 
The payment status should state " PAID as Agreed '' On loan depot this loan is also reporting a delinquent payment status which is completely inaccurate, they are reporting " current was past due 60 days '' - First I was NEVER late 60 days, secondly, in the two year history all payments are made on time then in XXXX they have a random 60 day late payment. which is inaccurate you cant go from being on time to 60 days late. 
Remove the 60 day late payment in the two year history and CORRECT the payment status to read " CURRENT '' Ive included the certified letter I sent, as well as a copy of both accounts credit report showing the inaccurate 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting inquiries on my consumer report illegally. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX ( Miscellaneous ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022XXXX is reporting inquiries on my consumer report illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I received a payment book in the mail for a car loan in my name I didnt take out or sign for. Some one took my identity and went to buy a car. They signed a loan without my permission. It has also been late every month. Did I try to help the co-signer, yes. Never agreed to put anything in my name. I even told the dealership I would not put anything in my name. I have never made a payment. This should show it is not my bill.

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 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
Fortiva sent me a credit card. XXXX days ago. The card has never been used and is inactive. A jealous employee who is jealous for no reason put a suspension on the card XXXX days ago for no reason. XXXX XXXX employees have been bullying my account there intentionally. There are no recent reports made on my behalf on my account. They did this without reason. First they blocked me from making payments. Then they blocked me from using the card after it arrived. I can not keep begging to use my card.The are not being reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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