vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I bank with Ally bank and someone hacked/stolen my debit card and used to make purchase on XXXX and XXXX costing around XXXX dollars out of my bank account. Ally bank refuse my fraud claim stating that I have authorized it. All of these transaction was for the same amount and on XXXX and XXXX and I did not authorized it. I have contacted both XXXX AND XXXX and both agree that it is fraud and I have to contact my banking institute to get my money back. Both XXXX and XXXX both stated they are willing to reverse the transaction as long as my bank initial the chargeback on their side, yet Ally bank is refusing to do this and is denying my claim. 

Please help me contact AllyBank and get this resolve. I have screenshot of this from both XXXX and XXXX. All of these screenshot are from XXXX. They agree to refund me and Allybank is not allowing my claim so my money can come back. 

Here I have picture proof the XXXX sent to me the that the merchant of XXXX agree to reverse the transaction and refund me the money back if my Bank Allybank allow it. 
XXXX have asked that I dispute with my bank, but Ally bank is not honoring my claim. 

My bank have not asked me to send in any information and yet just denied my claim and not giving me a answer.

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 2023-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
You have been reporting on my credit and I didnt know I was an authorized user for this account Id like this account immediately permanently removed from all 3 credit agencies please it should not be reporting on my credit and it is

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 2023-06-06 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-06-06 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-06-06 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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Had agreement with Citibank to help pay off credit card. Was making payments. XXXX monthly to pay down credit card. I was making payments all the way off until XX/XX/XXXX. 
in XX/XX/XXXX Citibank would not allow me to make a payment online or over the phone. Stated to call back my account was under review and they could not accept any payments at this time. To call back at the end of the month. Call again on XXXX. Lady states to Call back later on in month still under review, called again on the XX/XX/XXXX lady stated the same thing. Called back on XXXX still saying the same that my account was under review and I could not make any payments at this time to called back. Called back XX/XX/XXXX. Still not able to make payments stating it was still under review. Then I get a letter from collections saying they want the payment in full. I dont understand how it can go to collections if Citibank would not let me make a payment. I had tried for 3 months to make payments. Then spoke with XXXX XXXX with client services on XX/XX/XXXX. We talked about {$170.00} month for 36 months. I wouldnt agree to the arrangement until I had it writing. Due to the fact Citibank didnt stand behind the first agreement with me. I also requested a statement for the last 2 years of payments. I do not agree with the balance owed,. Again how can a creditor do this to a customer if you will not allow the customer to make a payment. Seems like to me Citibank set me up in order to turn this account into collections. I think this is unfair and discrimination. When I was trying to work with Citibank. And Citibank didnt hold their end of the agreement and wouldnt allow me make payments. 
Last year payments XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Couple months ago I have the same issue with collection agency but now is a collection company named SEQUIUM ASSET SOLUTIONS for a charge amount of {$280.00} from XXXX XXXX XXXX XXXX. Once again I do not own any amount because the address in the original charge is a different one from my actual address. Somebody else is using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
XXXX XXXX XXXX ... ... XXXX XXXX This is my third request to these companies. In XX/XX/XXXX In XX/XX/XXXX and now XX/XX/XXXX I have sent letters either requesting why erroneous information pertaining to accounts listed are listed on my profiles for Equifax ... XXXX and XXXX XXXX ) Names. They have placed erroneous names for me such as XXXX XXXX XXXX ... ... XXXX XXXX XXXX... .. XXXX XXXX XXXX ... ... ... ... XXXX XXXX XXXX XXXX ... ...... etc. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. I am tired of sending copies of my id stating this. I dont know where these agencies got these names from My social is XXXX. I am shown to have socials ending in XXXX XXXX and other social security numbers. I have asked these to be removed more than once with no remedy. I have sent a copy of my social more than once They continue to show addresses not mine. My address for more than 26 years is XXXX XXXX XXXX XXXX XXXX CA. XXXX. These agencies have 8 different erroneous addresses for me which include family members addresses ... .... apartment buildings i have managed and other addresses not related to me. 

Addresses shown on reports which are not mine are ... ... ... ... XXXX XXXX XXXX XXXX XXXX CA XXXX... XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX...... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX...... XXXX XXXX XXXX XXXX XXXX. CA XXXX......... XXXX XXXX XXXX XXXX XXXX CA. XXXX ... ... ... XXXX XXXX XXXX ... ... ... Why are these addresses on here and where did they come from ... .... 

I have requested an explanation of what the following alleged accounts and balances are for ... ... .a complete audit trail ... ... .. documentation that shows i agreed to pay the debts listed ... ... ... ... ..written permission or agreements I have with these companies ... ... ... ... .notification to me 30 days in advance advising me of the intent to put these negative information on my profile. I have no clue who most all of these companies are ... ... ... what agreements i have with them ... ... ... ... all of them show different amounts on each report ... ... ... ... they have not responded to me reporting back the requests I have asked for. the companies on these reports for which i have requested info on my reports are : XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... ..XXXX XXXX ... ... ... XXXX XXXX XXXX ... ... ... ... ... XXXX XXXX ... ... ... ..XXXX XXXX XXXX  ... ... ... ...... 

Inquiries I have no idea who these inquiries are and have never given permission or authorized them : XXXX XXXX XXXX  XXXX ... ... XXXX XXXX ... ... ... XXXX XXXX ... ... ... .. XXXX XXXX Phone numbers that are not mine that are shown : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have had a chronic problem with Synchrony Bank. A few examples include unauthorized charges ( XX/XX/XXXX ), Incorrect credit report notation ( XX/XX/XXXX ) and Incorrect statement notations ( XX/XX/XXXX ) to name a few. My current issue involves the wrongful dishonor of a legitimate medical co-pay charge from a medical provider ( " merchant '' ). By way of background, at the time this {$40.00} charge was attempted, there was a remaining available credit amount of {$7000.00} and the card was, and always has been, current and I also received a note from the bank thanking me for managing the account. Not only did this declination cause me considerable embarrassment, it constituted the bank 's taking an adverse action, limiting or suspending access to this account without proper prior notification. I contacted the bank and was not provided a reason for this adverse action except that the : ... merchant don't ( sic ) accept the card ... '' This " explanation '', of course is pure nonsense, as the card is represented as a universally accepted MasterCard and I was on the phone with the merchant as they attempted to put through the charge - unsuccessfully three times. For the record, I am an authorized user.

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 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/2023, I was issued two American Express Reward Virtual Cards. Each for {$25.00}. Each with an expiration date of XX/XX/2023. On XX/XX/2023, I attempted to redeem one card in full in an online transaction. The payment was rejected. I attempted to use the card in other transactions with other online retailers. All were rejected. I had the same experience with the second card. 

On XX/XX/2023, I was able to access the card details at amexrewardcard.com for both cards. I verified that both cards had a balance of {$25.00} each. I also verified that the cards are valid until the last day of the month of the expiration date. 

On XX/XX/2023, I called the customer service number at XXXX. I spoke with XXXX. She verified that card one had a {$25.00} balance and I should try the card at other retailers. I followed her advice. I tried to use the card in full and in transactions smaller than the full balance of the card. All were denied. 

I do have documentation and can submit as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Hunt & Henriques
State: CA

Complaint narrative:
I purchased property XXXX XXXX XXXX XXXX in XXXX XX/XX/XXXX. I had financial hardship in XXXX and tried to sell property. I tried to work with banks to assist but was unsuccessful. Around XX/XX/XXXX property was foreclosed. I had 2 mortgages. Im assuming the first was satisfied. Loans were with XXXX and XXXX. 
I applied for a HELOC in XX/XX/XXXX with CITIBank. The HELOC was for {$150000.00}. 
The HELOC paid off the existing second with XXXX {$120000.00} and borrower received {$10000.00} check to pay for portion of kitchen remodel. Citibank is garnishing my eagles at this time. They have a judgment for {$220000.00} which include loan, fees and interest. Im living paycheck to paycheck. I cant have them take any money from me. This is causing stress and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
i received an alert regarding a past due alert and i called all of the places that im aware of open accounts and i am in good standards with all so i was told to call XXXX since that where the alert was coming from that's when i was told where and what was going on which was devastating because i've been working consistanly on my credit to get it and keep it in good standards only to become a victim of identity theft i have no XXXX XXXX XXXX  service nowhere and they should not be reporting on my credit i am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is attempting to collect on a payday loan debt that was initiated through Cash Central, a licensed Credit Access Business ( CAB ) in Texas ; CAB meaning, Cash Central do not offere loans in Texas. The loan was arranged with XXXX XXXX XXXX XXXX, my lender, in the amount of {$2000.00} on XX/XX/2022. I have attempted on several occassions to reach my lender, in an effort to resolve this matter. I noly had one loan, but on my credit I am reflecting two loans totaling {$3300.00}, especially since payments was made on this loan. I was never told about another loan for {$590.00}, when ask to provide a Note or loans agreement, no one would furnish.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Around XXXX. I applied for a loan modification. They told me not to make payments while they were in the process of making a determination. This took several months. By the time that they notified me that I was denied, they had my name in the newspaper and at the chancery clerks office that my home was in foreclosure.

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 2023-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am demanding that the account listed below to be DELETED immediately from my Experian credit report due to its reporting being in violation of the FCRA : Account Name Account Number XXXX XXXX XXXX XXXX This account was previously listed by XXXX XXXX  and was deleted by Experian. I've attached copy of my Experian reports from XX/XX/2023, XX/XX/2023, and XX/XX/2023, showing the unauthorized re-insertion of this information. 

In accordance with the FCRA, an item can not be reinserted on a credit report without sending a written notice to me within five ( 5 ) days of reinsertion. I have NOT received any such notification, which is a violation of my consumer rights.

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 2023-06-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX, XXXX 15 US code 1681c-2 a consumer reporting agenvy shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 US code 1681b- permissible purposes of consumer reports a. in general subject to subsection c. any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately. 

Thanks, 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 2023-06-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX, XXXX 15 US code 1681c-2 a consumer reporting agenvy shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 US code 1681b- permissible purposes of consumer reports a. in general subject to subsection c. any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief