vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Got a truck loan from ally financial month later was laid off. Made payment on truck till XX/XX/2023 I was 29 days late I called up ally financial to see if I could get an extension but I wasnt qualified yet. So I ask the representative if I pay the payment today will it be marked paid and not hit my credit report 30 days late she said yes by XXXX XXXX on sat XX/XX/XXXX if u pay by XXXX XXXX you will be marked currant not 30 days late. I paid the payment XX/XX/XXXX at XXXXXXXX XXXX I then asked her again will this be good to go wont hurt my credit she said your all set. I made payment w her on the phone I guess they use third party people for this they did not tell me it wasnt gon na be marked that day.. the ally app that I use to pay my payments regularly was not in working order that day it said down for maintenance. So I couldnt pay on line I had to call and use check over the phone. I had asked this lady atleast 6 times this wont hurt my credit she replied no your all set. The next day XX/XX/XXXX I got an alert on credit report that I was 30 days late on my truck payment. Now that made my credit score drop XXXX points I am buying a house at the end of XXXX but Im not gon na be able to do this now due to them reporting me 30 days late. I called many times to get info on this i did get a XXXX XXXX and she had her supervisor look at this and she even said it shouldnt of hit my credit report it was paid on the XXXX th day. The file has notes that it was paid in time. That supervisor XXXX XXXX I been trying to get in touch w her no results they did record the conversation so that should be accessible I was told it wouldnt hit my credit and it did now Im having many Repercussions for this action they did.. I did get a call from a XXXX XXXX opt XXXX she said she would be looking into this but said if she cant find any reason to take it off report than it stays. Now the other supervisor agreed it should not have hit my credit report the lady who took my payment told me I was good to go and also the website app for payment was down for maintenance XXXX said had I used the app that it would have posted that day how can I use the app if it was down for maintenance that day but also told from two different representatives there on on Friday XX/XX/2023 and XX/XX/2023 that if payment is received by XXXX XXXX Saturday XX/XX/2023 then I would be good. I want this 30 day late removed from my credit report immediately they can do a good will Deletion to remove this and. Need a deletion letter for my mortgage loan. I think this was unfair to me being told that I was good from two people and then from a supervisor that it shouldnt be on my credit report. Please help me thank you..ally Financial is the 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2023 I made a mobile deposit to my checking account.Citibank said they would hold the check a week or so until the check cleared.On XX/XX/XXXX the deposit cleared. The funds were not made available to me and access to my account was blocked and account frozen.I called citibank and they said they need to verify my identity via a letter through usps. The letter was to contain a reference # for verification.The letter never came.I have called and called. They have sent numerous other letters including two new debit cards, however, the letter with the code has not came. They say they sent a second letter but it naver came either.Today is XX/XX/2023, and I still do not have access to my paycheck and Citibank has no solution.They say without this letter, they can do nothing. They have stolen my money and I have no way of getting it back. Citibank says the reason for all this is because I opened an account online.When I opened the account I provided all the necessary information required by citibank including my social security number. Citibank failed to mention that there would be further verification before I could use the account.After all, they had no problem taking my deposit, didnt need verification to take my money.Please help me with a solution. Thanks for your time.

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 2023-11-01 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
PLEASE DELETE THESE INQUIRIES... 

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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft.. I am a victim of the XXXX XXXX breach i have submitted documents to show some of the damages I am currently facing and there's more so I request 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO.

5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All that Equifax did was update the report saying that XXXX XXXX XXXX reported this alleged debt. I am still to get any information of the creation or this alleged debt, when it was created, who the retail merchant was or anything. 
If this is a debt from a vendor that I already paid off through another collection agency, this company is providing no information to be able to verify this and I feel that Equifax is not asking for all the information to be able to remotely make a connection like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the accounts numbers XXXX XXXX the company XXXX XXXX XXXX the total debt is {$9100.00} has violated my rights. 
Pursuant to the Fair Credit Reporting Act, Section 1681i ( a ) ( 5 ) ( B ) ( iii ) ( III ), you are obligated to include my statement in any subsequent consumer report that includes the disputes information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I systematically send ( I send this via ACH from another bank ) my loan payment into my checking account at Citizens. I have done this for about a year. Then Citizens bank automatically debits my checking account for the loan payment amount. Instead of depositing my ACH loan payment into my checking they applied the payment as an additional principal loan payment in my loan account. This is a completely different account and was not as instructed in sending my payment. When the actual payment was due they debited my checking account that did not have sufficient funds to cover the payment as they incorrectly deposited the funds in the wrong account thus creating a deficiency in the checking account. On the loan payment due date they attempted to withdraw the loan payment and apply the payment against the loan. Since the funds were not available they reversed the loan payment and are saying I missed this months payment. I called an explained, the rep admitted their mistake but stated they could not reverse their error. I demanded this be escalated and corrected as this will negatively impact by credit. I received one email on XX/XX/XXXX at XXXXXXXX XXXX from XXXX ( office of the chairman ) stating they tried to contact me. I called XXXX the call went directly to voice mail were I left a message asking them to call me. I also sent an email on XX/XX/XXXX at XXXXXXXX XXXX asking for them to call me back. I never received a call so I send a follow up email on XX/XX/XXXX at XXXXXXXX XXXX still not hearing from anyone I sent another email on XX/XX/XXXX expressing my concern and again no response. I send a final email on XX/XX/XXXX at XXXXXXXX XXXX stating I can contacting CFPB filing a complaint. I still have not received any correspondence. The case number for this at Citizens is ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I the month of XXXX a fraudulent application was made to Chase bank for a credit card in my name using my SSN. I received a notice from XXXX about the inquiry and upon learning that the request was made by JPMCB I contact them to report the app was fraudulent. I asked for other identifying information that may have been used in order to determine how much of my personal information may have been compromised but the bank refused to give me that information. They did shut down the application as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
We had a prior loan with PennyMac with another home that we sold, so we decided to use them since we were familiar with them and had history. In the midst of the loan process I lost my job and so we were just using my husband 's income. He is collecting XXXX and money from rentals. We were asked to put more money down, which we did in an excess of $ XXXX to close. The new construction build was valued at around $ XXXX. In the beginning my husband offered to pay off the few small loans that he had and the loan officer asked him not to. As we move forward with the process, weeks later he told him he would have to pay off at closing. My husband wanted to pay off sooner so that it would not impact his debt to income ratio. The loan officer sent a text asking him to submit copy of his XXXX. He told him that he is not collecting XXXX and never had, just XXXX and the rental incomes from his properties. We were scheduled to close on XXXX to learn on XXXX that the Loan Originator/Officer, XXXX XXXX inputted that he had two XXXX one a XXXX. This is not what we told him. XXXX went ahead and submitted false information. We are not out of a home and close to $ XXXX that we paid to the builder. When we spoke with the loan officers manager on XXXX he told me there was nothing they could do. This is unacceptable, they rode us along all this time. We initiated the call to find out that this was the state we were in. The loan officer 's manager, XXXX XXXX said that he called me on XXXX. I have no missed calls or voice messages from him. I am very shocked with disbelief in the way our file was handled. The loan officer also told us to record that we were paying off our car although he knew we were not doing that. My husband told him, so you want us to lie and say we paid it off? We can't do that. All this took place on a recorded line. We want the money we paid to the builder and his manager made no indication that they were even considering paying us back. XXXX XXXX is the Manager and XXXX XXXX is the Loan Officer we were dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 I added XXXX XXXX XXXX XXXX to my Chase account for the propose of transferring money from XXXX to Chase. Both accounts on my name. I received email confirmation that account was added and available for transfers. I submitted a {$9000.00} transfer, initiated by Chase, from XXXX to Chase. Shortly after I submitted the transfer I received a call from Chase Fraud prevention, the lady on the phone verified my information, and then advised that transfer was rejected, on my question by which bank and for what reason she was not able to provide any information not how to obtain such information, I requested to speak to the supervisor. Account Supervisor XXXX advised me that transfer was rejected due to Chase was not able to verify my information with XXXX, when I asked if they contacted my XXXX bank, he said yes, however XXXX refused to provide information by which means Chase contacted XXXX ( there should be at least XXXX means/ways for the bank contacts in order to verify information ), XXXX also advised me not to submit such transfer again as it will get rejected. Upon request of an official letter from the bank that transfer was rejected and the reason why, I was advised by XXXX that they do not provide such letters. Chase has restricted the usage of my account by rejecting the transfer and refused to provide any official documentation on such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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