vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I have held accounts with Ally Bank for many years without issue, until recently. Through what I believe was malware infected onto my phone, several fraudulent transactions through XXXX XXXX and XXXX took well over {$2000.00} out of my checking account. The transactions appear as though they were sent to my life partner, XXXX XXXX, but none of the transactions arrived in his account. All of the money was siphoned off to a still unknown source. XXXX XXXX refuses to delve into the transactions because they appear to have gone to someone I know, despite repeatedly telling them the money never arrived where the transactions state. So I disputed the transactions through Ally. For reasons that have yet to be fully explained to me, the Ally fraud department has locked me out of my account while they " investigate '' the matter. I have called the Ally fraud department countless times, and am told nothing can be done at all until the investigation is complete. While I appreciate them investigating the fraudulent transactions, this has completely cut me off from all of my money. My rent, student loan payment, internet bill, and phone bill are all late. I have no money to buy food or medicine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally has effectively ruined my life by locking me out of my account. I do not understand why a fraud investigation necessitates the account owner being completely cut all from all of his or her funds for an unspecified amount of time. I have been told it may take up to 90 days to resolve the investigation, which I find completely unreasonable. I would like to ask you reading this now, what if this happened to you? What if a crime happened to you where money was stolen right out of your bank account, and once you reported it to the bank, they completely locked your account, leaving you unable to pay any bills, buy food, or buy medicine? Would you find that acceptable?

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 2023-04-14 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America keeps charging me late fees on my account. 
I am XXXX and can not afford to continue to pay Bank of American late fees. 
Bank of America failed to send me a paper statement and tried to pay my bill. 

I notice there is a late fee on my account and I reached out to bank of America to ask to remove the late payment, the late fee occurred because BoA fails to send me my paper statement.

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 2023-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I bought some item from XXXX using Affirm on XX/XX/2023 the amount was XXXX, with a month payment of XXXX. This item appeared on my XXXX report XX/XX/2023. This is a buy now pay later company. I paid the entire remaining balance off of XXXX on XX/XX/23. Affrim is reporting on my credit report XXXX. I dispute it, all Affrim did was change my remaining balance to XXXX when it should be XXXX. The dispute the amount again on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Marlette Funding, LLC
State: GA

Complaint narrative:
My payments are due on 1st of every month After I made a payment and the last day of the month ( XX/XX/XXXX for XX/XX/XXXX payment ) it was due and payment credited, best egg reported me over 30 days late when I paid the payment prior to the new payment becoming due now since they reported this inaccurate my credit drop 65 plus points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
STATUS Navy Federal made this response about the improper use of my information on XX/XX/XXXX. 

Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederXXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that our member established the following Navy Federal accounts : a credit card account ending in XXXX on XXXX XX/XX/XXXX, a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX, a credit card account ending in XXXX on XXXX XX/XX/XXXX and a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX. These are valid debts and XXXX XXXX remains responsible for their repayment. As noted in the Navy Federal Important Disclosures, which may be viewed at navyfederal.org, we may report information about accounts to the credit reporting agencies. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal loan and credit card accounts. We will not request the removal of valid data from his s credit file. Should XXXX XXXX have any questions, he may contact us toll-free anytime at XXXX ( XXXX ). 

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. XXXX XXXX gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want use to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies. Please stop reporting my auto loans, inquiries, credit cards, or anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I was told by the original lien holder that my account was almost paid off. The last receipt that I have in my possession shows a remaining balance of a little over {$1000.00}. Upon speaking to the collection agency, West Lake Financial, I was quoted a price in excess of {$6000.00}. I've had this vehicle for 4 years, so that amount is surely 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 explanation
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on 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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Received a promotion for the Apple Card from Apple that if I signed up for a new card I would receive {$150.00} dollars if I spend {$1000.00} dollars in the first 90 days. If I clicked on the link provided. I applied and receive my credit line and bought a new Apple computer. I called about 20 days late and asked how the {$150.00} got applied and was told it should have all ready been applied but was not. The Goldman Sachs associate said she would open an investigation into it. It was the end of XXXX that I spoke with her. On XX/XX/XXXX I received a email stating that they need a copy on the email link to verify that I got that promotion. I called and talked to a Supervisor on the XXXX and stated that I did not keep the email. The promotion did not say or require you to save it. The supervisor said she did not know why they wanted it and would look in to it. On XX/XX/XXXX I received the same email again for verification that I signed up for the promotion. I called again and talked to a supervisor and she said I meet all the requirements and did not know why but she would have a manager call me. XX/XX/XXXX manager called and said unless I have the email link they would not help me. I deleted the email after I got approved for the card. It does not say anywhere in the promotion that I had to save the link. The manager said that the promotion is a good promotion but only with that link. Goldman Sachs refuses to help with any of this. Can you help or tell me what other course of action I have. Never have I ever had to save a link for a Promotion!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX ( Original Creditor : ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX : {$8600.00} XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX ( Original Creditor : ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX : {$8600.00} XXXX  XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: AL

Complaint narrative:
When I went to get my teeth cleaned, the dental hygienist told me that the teeth cleaning was covered by the insurance. 

They sent me a bill of {$240.00}. I called them saying that it was supposed to be covered by the insurance. The billing department said that they will refile it with the insurance. 

I am unsure if they refiled it with the insurance or not. But they never reached back out to me. 

Then I received a collection letter from JP RMP. In my defense, I was told that the teeth cleaning was covered by the insurance, XXXX and I am not charged any more money. Therefore I do not owe this amount of {$240.00}. 

I am not paying this amount as I was charged fraudulently. Please take this off my records. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: PR

Complaint narrative:
XXXX CARDS XXXX XX/XX/2023 XXXX XXXX NA XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have submitted minimum 3 disputes per account below through XXXX XXXX to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : AMERICREDIT : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: NV

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/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 2023-04-14 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: CA

Complaint narrative:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/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 2023-04-14 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: CA

Complaint narrative:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TX

Complaint narrative:
I have disputed this account with XXXX and was removed from my credit report only to come back as a collection account by XXXX XXXX, I have never received any validation of debt because I have never lived at the address of the alleged account, leave contacted XXXX to inform them of the collection account I was informed that the account is no longer owned or reported by them I should contact XXXX XXXX for removal and I have been back and forth for the past 4 years. 

Fraudulent unauthorized credit inquiry by XXXX XXXX XXXX card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Nelnet, Inc.
State: GA

Complaint narrative:
I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies.

Company response to consumer: Closed with explanation