vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/2020. Ally bank ( XXXX. XXXX XXXX XXXX XXXX, PA XXXX ) became aware of a human error that caused my information to appear on another customer 's B Notice, a backup withholding document. The XXXX  requires that Ally bank validate my name and Social Security number if their records vary from theirs. 

The information that was involved included my full name and Social Security number. 

Ally Bank claimed that a corrected B Notice was sent on XX/XX/2020. They said they contacted the customer who received my information and requested that he destroy the Notice sent in error. 

Ally Bank states that they engaged XXXX to provide me with its XXXX XXXX XXXX for two years, at no charge. 

I called the bank many times in the past month asking for a valid explanation and a feasible solution to prevent being a victim of identity theft. They will not investigate o take other actions regarding this problem.

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
First I want to say I had filed bankruptcy in XX/XX/XXXX. 

For the last 5 years I have been trying to get my credit score up to a higher level. 
I was doing good until yesterday. 
I received an email from Experian stating my credit score had changed. When I went into their website I saw that my credit score had decreased by 18 points. 

On XX/XX/XXXX my score was XXXX, then On XX/XX/XXXX it dropped to XXXX It took me years to get to the higher score only to have been dropped down to the lower score.

Absolutely nothing had changed in my circumstances.

There was no explanation, I spent over 2 hours on their website trying to find out why this had happened but to no avail. 
I called the number on their website but it was all automated and I couldnt speak with anyone. 
There were no circumstances that would have caused this massive decrease, in fact, by the end of XXXX I had paid all my credit cards in full. 

I am hoping you can find out why my credit score went down so low, if there is a reason shouldnt I be told what it is so that I can at least, try to resolve it? 

Thank you so much for your attention and I am really hoping you can help me find the answer. 

I can provide any information you may need in assisting me. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Garcadia Financial LLC
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FOURSIGHT CAPITAL LLC Requested On : XX/XX/2019, XXXX XXXX Requested On : XX/XX/2019, XXXXXXXX XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
1. Signed closing documents on XX/XX/2021. 
2. My XXXX mortgage was to be paid off XX/XX/2021. As of today, XX/XX/2021 it has not been paid. 
3. I was to receive settlement funds, wired to my checking account. They have not been sent.

4. Interest is accruing to both my old mortgage and my new mortgage. 
5. Lender, Quicken Loans, did NOT contact me to notify me of any issues. I had to contact them to report their errors.

6. Lender told me they will look into the issue by sending it to an analysis department.

7. I told lender to call me by noon today to inform me of the status and resolution.

8. Lender has not called as of noon.

9. If there was an issue, lender should have immediately notified me. I should not be responsible for notifying them. 
10. Lender violated their financial and statutory responsibilities.

11. Lender 's actions are abusive, irresponsible, and possible criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29 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: FL

Complaint narrative:
Equifax currently reports inquiry XXXXXXXX card services on XX/XX/XXXX, XXXX inquiry is illegal and a violation of FCRA rules sec. 1681 : XXXX Card Services violates federal law ; reporting was unauthorized ; no credit or loan was awarded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: FL

Complaint narrative:
I had two late payment that reported on XX/XX/2020 for my First Progress accounts. The payment was about XXXX $ together. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I wasnt aware of the bill pay method with my bank, and with it being my first time ever using it. I did not realize I had to set it up electronically with my bank so my payment would process immediately. I paid the bill on the XX/XX/XXXX, but since I did not set it up electronically they mail out the check that did arrived after my payment date. I already handle the situation with the my personal bank by setting up my account for electronically for future payment. I reach out the first progress they told me its nothing they can do about the late payment posting to the credit bureau because its already posted but they could wave my late fees on the cards. I am trying to get a new car in this hurting my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX promissory note validates account paid in full before XX/XX/2017 ( XXXX XXXX day late is impossible, though XXXX, Equifax, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, Equifax, XXXX  continue to inaccurately report for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
XXXX promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though Experian, XXXX, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. Experian, XXXX, XXXX continue to inaccurately report for several 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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: NY

Complaint narrative:
Lexis/Nexis issued an adverse action letter to XXXX XXXX who indicated that they could not offer me the lowest rates based on the letter. Not only is my credit impeccable, but I used to have a security clearance. I have tried for months to get a copy of the consumer report from LexisNexis to understand what information is in it. In my communications with the company there have been several inconsistencies. I noticed that there have been several similar complaints on the XXXX XXXX XXXX website. Is LexisNexis reputable..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I financed a car through Kia Finance for a XXXX XXXX XXXX. The loan was paid off on XX/XX/XXXX. However, Kia Finance never released the lien on my title. I realized this in XXXX of XXXX when I went to sell my car ( we are having another baby and need more space ). I called Kia on XX/XX/XXXX to understand what had happened, and they told me they had never issued the lien release, and they submitted a request to their title department, and told me it should be released within 3 business days.

I called back the next week ( after 3 business days ), and was then told that it would take 10 business days as their title department was backed up. After 10 business days, I was told the lien release was still not processed. A second request was submitted on XX/XX/XXXX. I called again on XX/XX/XXXX, and neither request had been processed. I was told that an email was sent to escalate, and to call back in 5 business days. 

Today is XX/XX/XXXX - it's been 5 weeks since I initially raised this issue to Kia Finance, and it's been 11 months since my car loan was paid off. When I called customer service, they told me the release is not processed, and we'll just have to " wait and see '' when the title department is able to process it. No ETAs or further escalation was provided, despite speaking with a supervisor. 

At this point, I have no idea when or if the lien will be released by Kia Finance. They have an illegal lien on my car, and despite the problem being reported to them 5 weeks ago, and multiple follow-ups, and I am being given no ETA on resolution, nor further options by Kia Finance to resolve this issue. 

I would like help in resolving this matter. Furthermore, customer support has told me my situation is not unique. Not only do I want this matter resolved personally, but I would like Kia Finance to be accountable to fix this problem across the board. A car is often someone's largest asset - and to be holding it hostage because of a process breakdown and lack of appropriate escalation routes is completely unacceptable - and illegal.

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have opened BBVA checking and savings account. I had XXXX cents as a balance in my checking account. 

BBVA had made it really very difficult for me to close this account. I can not send the XXXX cents via XXXX ( as it charges {$3.00} fees ) or via Bill pay ( Bill pay doesn't allow this less amount ). I can not pull from other banks also as it's such a small amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
Received the XXXX Balance says {$600.00} and that you can transfer to your bank without a fee. 
I went through the activation process and setup the account. 
Tried numerous times to transfer the $ and it says the transfer amount can not be more than with the fee. It says no fee. 
I tried numerous times to call the XXXX number and it just sends you in the same loop. 
This is more than frustrating and ridiculous. 
I am tech savy and I can not make this work. 
How are people that are not tech savy going to do this? 
Plus now all of my contact info is in some AI loop forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. COMENITY BANKXXXX Opened XXXX XXXX, 2019 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COMENITY BANK/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TX

Complaint narrative:
A response, explanation, and answer should always be based upon the complaint issued. The Credit Reporting Agencies dont answer and then closes the complaints. What a slap in the face! I sent many attachments ( Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible for theft, identity theft, forgery and false pretenses. ) The Credit Reporting Agencies states they will enter my dispute into their system and review all information and any additional documentation you provide to determine next steps. The Credit Reporting Agencies did not review the attachments and closed the complaints. The Credit Reporting Agencies have found a way to circumvent the intentions of our government and the CFPB. Perhaps this is why we talk with overseas third world countries when we call. The overseas people with language barriers are the ones answering the complaints with " form replies ''. The Credit Reporting Agencies are not American companies. They are concerned more about money than America. Where is my government? Washington has failed taking care of this country.

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 2021-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was scammed and I didnt know XXXX transfers were not supported and/or protected through my account!!! XXXX should be a separate application from my USBank account.. theres a sense of false security and Im disappointed in myself mostly, but also with USBank!

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 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
A company called Credence LLC calls daily. They will not say what the issue is about, so I hang up or block their number. They just call from a different number each day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though XXXX, XXXX, Transunion misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, XXXX, Transunion continue to inaccurately report for several 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 non-monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am writing today to request the help of the CFPB with my dispute with National Credit Systems , Inc . They have purposefully violated my rights under Section 1692g of the FDCPA and the FCRA for furnishing data to XXXX  and XXXX  when they have not properly validated this alleged debt. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from National Credit Systems , Inc. regarding an alleged debt. On XX/XX/XXXX I responded with certified documents disputing this debt. National Credit Systems received these documents on XX/XX/XXXX at XXXX XXXX - document evidence attached. As of today, National Credit Systems , Inc. failed to respond to my request for validation and have violated 15 U.S. Code 1692 ( g ) validation of debts, which states, the debt collector must cease collection of the debt, including credit reporting until the debt collector obtains verification of the debt and is mailed to the consumer by the debt collector. As of today, XX/XX/XXXX National Credit Systems , Inc. has not provided this information, yet, has listed this alleged debt as a derogatory account with both XXXX  and XXXX. National Credit Systems has even noted the account with both credit reporting agencies as " Account information disputed by consumer, meets FCRA requirements '' ; however, never fulfilled their obligation.

Please note, in light of the KNOWN issue with the United States postal service delivery, I can not be held responsible for the delay in mail delivery. For this reason, I have attached proof of delivery that shows I was well in the timeframe of the 30 day notification period. National Credit Systems , Inc. did not make any internal adjustments to their processes ; instead willfully chose to be in non-compliance with the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
OPTIMUM OUTCOMES a collection agency, has placed damaging invalid medical information on my credit report. The alleged balance is : {$190.00} for XXXX XXXXXXXX XXXX. 

I have no knowledge of this account, I never received any written notice of this account and never received notice of my right to dispute or request validation of this debt, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR CREDIT BILLING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have dispute the accuracy of an account with American Express under Section 609 FCRA which requires specific records to be produced by American Express as stated in Section 609 FCRA requiring American Express to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with American Express. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with American Express at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX  for engaging in the very same misconduct that American Express is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for American Express to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with American Express under Section 609 FCRA.

Company response to consumer: Closed with explanation