vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In early XX/XX/XXXX my wife and I added our respective XXXXXXXX XXXX accounts for external transfers and manually verified ownership of both accounts through the small deposits that Ally sent. We don't use the XXXX accounts much so in order to avoid a monthly fee with them, we have {$2.00} automated ACH transfers scheduled every 2 weeks for each account. These have been successfully executed a dozen times. ON XX/XX/XXXX I received an email from Ally saying that my wife 's XXXX account could not be verified and was removed from our external bank transfer list. Again, ownership of this account was verified back in XXXX and Ally has sent transfers there many times. When I called Ally on XX/XX/XXXX, after a lengthy wait time as the rep contacted numerous departments to figure out what was going on, I was informed that the account was mistakenly removed as the result of a system error. The rep advised me to re-add the account. When I tried to do that, I got an error that the routing number was invalid ( it isn't ). The rep then tried to add the account for me and he got a different error. Consequently, he said that the account addition now had to be reviewed by " loss prevention. '' Later, I logged in and noticed that the XXXX account was now listed as " Denied '' as was my XXXX XXXX XXXX  account for which I had been waiting for Ally to send small deposits for manual verification. This is the second time in the last couple years that I have had a major issue with Ally 's external transfers. The customer service reps are powerless to help and the department tasked with fixing it and calling me in " XXXX hours '' ( as they promise ) never call or fix the issue. I was not able to get it resolved last time until a CFPB complaint was filed. I have been with Ally for over a decade and it's ridiculous that this even happens at all, let alone the fact that the mere mention of having this reviewed by " loss prevention '' is an assault on my and my wife 's character. I just want this resolved and further, I want Ally to take steps to fix whatever issue it is that continues to cause problems with getting my own money out of the bank.

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 2023-07-11 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: MI

Complaint narrative:
I asked Equifax to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Equifax has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide to resolve the inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/23 received email about stating my phone # for Chime had been changed. 
Sent email back stating I did not have an account with them and did not want one. 
XX/XX/23 received a new email stating it would be closed. 
XX/XX/23 received XXXX Debit card in the mail, routing # XXXX account XXXX. 

I'm glad I received it and not someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: VA

Complaint narrative:
Since The company states they didnt receive an email I have attached it. 


Also here is the email they claimed I never sent. 

AccountNumber=XXXX AccountNumber=XXXX This company I have no knowledge of is reporting and brought my PII illegally. I have no knowledge of this debt or company. This company 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions.

15 U.S. Code 6801 - Protection of nonpublic personal information.

15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681b - Permissible purposes of consumer reports For each violation its 1,000 in court. Plus more in damages. Please stop reporting of this fraud debt. Or I will pursue in federal court for violations, personal injuries, defamation. Please cease and desist this tradeline from my consumer report.

AccountNumber=XXXX Delete tradeline now due to fraud or provide me with a point of contact of your legal team.

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 2023-07-11 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: VA

Complaint narrative:
Since The company states they didnt receive an email I have attached it. 


Also here is the email they claimed I never sent. 

AccountNumber=XXXX AccountNumber=XXXX This company I have no knowledge of is reporting and brought my PII illegally. I have no knowledge of this debt or company. This company 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions.

15 U.S. Code 6801 - Protection of nonpublic personal information.

15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681b - Permissible purposes of consumer reports For each violation its 1,000 in court. Plus more in damages. Please stop reporting of this fraud debt. Or I will pursue in federal court for violations, personal injuries, defamation. Please cease and desist this tradeline from my consumer report.

AccountNumber=XXXX Delete tradeline now due to fraud or provide me with a point of contact of your legal team.

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 2023-07-11 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: PA

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 XXXX XXXX XXXX. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX, XXXX XXXX  : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I bought an XXXX through XXXX with the XXXX  XXXX payment plan in XXXX of XXXX. XXXX XXXX provides no billing invoices, contacts folks or anything. In XXXX of XXXX I was finally contacted by XXXX and informed that my payment plan was 4 months late ( i.e. they had issues processing the credit card ). I explained there was a change of credit card information during COVID and XXXX told me they understood and this would not be reported to the credit bureaus in any case. I paid the entire balance of the loan immediately. Magically in XXXX, XXXX XXXX reported this loan to the credit bureaus and has since continually decided to make reports monthly not only indicating I had 4 late payments ( seriously affecting my credit score ) but also indicating the account is still open. When I've tried to talk to XXXX, they assure me there is no balance and that the account is closed. If the account is closed, why are you reporting it as open etc. to the credit bureaus? I have over a year and a half of credit bureau reporting at this time for an account that has no monthly payment. This is not a revolving loan. There is no line of credit. This was a payment plan for an XXXX. Affirm and anyone else, report the loan when paid off ( sometimes ) and indicate it is closed. I've disputed the information through XXXX, Transunion etc. and all they simply say is the information reported is accurate. Why would it be accurate that a payment plan that's been paid off with 0 balance is still open? What is the point of this? It is ruining my credit score and there's zero accountability here. I'm stuck with delinquent reporting for an account that is still reporting as live over XXXX a month " missed '' payments. Amazing. As seen in the files, it indicates there is an available balance of {$2500.00} of {$2500.00}. Yet, no mechanism, to borrow such money, or withdraw such money. Why would there be an available balance on an installment plan that's been paid off with a term of " 0 ''. What a mess.

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Submitted a Claim in XX/XX/2023 for incorrect charge from a merchant ( charged too much ) to my bank Wells Fargo. I received a provisional credit. 

Wells Fargo submitted a claim to the merchant, but as of XXXX, XXXX  I discovered that Wells Fargo submitted the wring information/wrong claim to the merchant. 

Wells Fargo representative advised me that I would not have my provisional credit taken back from me, because they made an error. The calls were recorded to mention that and the femal agent was adamant that I wouldn't have my provisional credit reversed for Wells Fargo to take my money back. 

I received a call from a representative of the bank named XXXX who advised me that she was looking into this matter and would mail me a response in 10 days and then in the same sentence said she would mail me out a letter on Friday, XX/XX/2023, that's not 10 days. 

Wells Fargo is doing what they can to reverse my provisional credit when they made the errors. They are also going back on their word. I've continued to be charged fees against my account and as a result of this and more I am submitting my formal complaint in writing. Please help me.

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 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Each time that I am notified that I have mortgage docs to review, unlike XXXX, where I can choose to read, but not sign, the system at JP Morgan Chase states that I have signed whatever it has sent through its secure system. This has been going on since XXXX XX/XX/2023. I currently have been notified that there are docs, but given the above, I can't see what they are lest I be deemed to have agreed to whatever they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TX

Complaint narrative:
In accordance to the fair credit report XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to this privacy 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit report 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 explanation
Consumer complaint received 2023-07-11 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: GA

Complaint narrative:
I have noticed that XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 

XXXX XXXX is in violation of FCRA Section 602 Permissible Purposes Violation of FCRA Section 604 Written Instructions Violation of FCRA Section 605 ( a ) Reporting Outdated Debt Violation of FCRA Section 605 ( a ) Reporting Outdated Debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX, XXXX  Bank of America have unfairly stayed with my savings account over {$9000.00} after my accounts closed regarding a check problem in my checking account.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My Bank of America Credit Card Rewards Program promises cash rewards. The cash rewards stopped a few months ago.

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 2023-07-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: PA

Complaint narrative:
I sent a dispute to experian along with supporting documents to have accounts blocked as fraud. XXXX blocked the accounts and sent block notification referrals to XXXX and trans union and neither company blocked the wccounts as required under federal law. I spoke with equifaxs office of consumer affairs and agent agreed that the accounts should of been deleted but ge dant help me.

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 2023-07-11 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: NV

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergont Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I received a communication from Kohn Law Firm regarding a debt they claim I owe. During this communication, a representative from the law firm threatened to take legal action to seize my house if I did not immediately pay the alleged debt in full. These threats have caused significant distress and anxiety for me and my family.

I believe that the actions of Kohn Law Firm are in direct violation of the FDCPA, which prohibits debt collectors from engaging in abusive, deceptive, or unfair practices. Threatening to take my house is an extreme and inappropriate action that goes beyond the bounds of legal debt collection. 

I want to emphasize that their threats are unwarranted and have caused me significant distress. I have not yet responded directly to the law firm as I wanted to seek guidance and support from the Consumer Financial Protection Bureau before proceeding further. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Kohn Law Firm for their unlawful and intimidating behavior. It is crucial to protect consumers from such abusive debt collection practices and ensure that debt collectors adhere to the guidelines set forth by the FDCPA.

Kohn Law Firm is already alleged for unlawful violations of the Fair Debt Collections Practices Act for allegedly omitting " safe-harbor '' language as a means to allegedly mislead and collect larger amounts from debtors that what is owed. It is causing a lot of stress reading online cases like Kohn law firm mailed a letter to XXXX ( XXXX ) in connection with the judgment entered and the alleged debt. The letter informed her of the alleged debt, but allegedly did not inform her that the debt would be increasing at a rate of 5 % per day. 

The suit accuses Kohn of not including so-called " safe harbor '' language disclosing that they were attempting to collect the full amount plus interest accrued daily until it's paid off. 

XXXX XXXX  language provides debt collectors with a way to notify consumers that the amounts they owe may ultimately vary. 

I am prepared to cooperate fully during the investigation and provide any additional information or documentation required to support my complaint. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers ' rights, and I appreciate your assistance in addressing this violation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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 to the fair credit report XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to this privacy 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

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

Company response to consumer: Closed with explanation