vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This company continue sending mail. This account is under a class action lawsuit against Ally Financial and won by the defendants and class, the case has been close judge order was and company trying to collect is XXXX XXXX XXXX XXXX a company has not been verified and I didn't sign on contract with they haven't verified can collect in state of Texas by continuing sending correspondence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: PA

Complaint narrative:
I not getting my money from Cash App mobile phone company. Somebody is hacking into my account # XXXX of XXXX XXXXXXXX. I believe that donald trump or his delegee is hacking into my account and the XXXX XXXX XXXX in XXXX XXXX maryland. Somone is hacking my money when i am putting my name on something eapecially my Cash App account. I need my funds. 
Cc : cnn Cc : cbs Cc : abc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Longbridge Financial, LLC
State: CO

Complaint narrative:
I request funds from longbridge financial from my reverse mortgage .it has been over a month and I have not received the monies.the first request I waited 3 weeks no money.i called customer service and they resubmitted my request I called and they said the check was in the mail.that was 7 days ago. I feel like I am being scamed.I have bills coming due that I was going to use those funds for.now I will have to pay interest on my charge card.trying to reach someone by phone is really frustrating. It usually takes over an hour to connect with an agent.Do I have any recourse against this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: I.C. System, Inc.
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} I C SYSTEM INC XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
In or around 6 months ago I made a dispute for over 500 dollars with this bank, at todays date I haven receive no updates is been showing in my account the balance but is not available for use, I have already called this bank innumerable times and they have no answer of why Im unable to have access to my money, not only that, the money is not available for my use that Im the owner of the account also this bank is been charging me the monthly fee of my account balance, how is it possible that my money is not available for me but it is available for the bank? Every single month my account balance goes down because they chargin monthly fee they got completely access to my account balance but i dont at all. This bank is been abusing of power for over 6 months with my account, having completely access to my funds charging me monthly fees from my balance but Im not able to have access to my money. I have already called customer care more than 3 times and the branch and they always say they gon na valla me back and never do, my account is not block is not frozen it doesnt have any identity block because when I first opened Ive verify my identity sending my identification and all papers needed in order to open this account, this bank is only abusing of power

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/2021 to present date Transunion and XXXX are reporting inquiries and accounts that I do not consent to, authorize, nor have I benefited from. I have contacted the consumer reporting agencies and creditors to investigate this fraud and remove the inquires and accounts. I had been successful in removing several of these fraudulent accounts and inquiries but have not been successful in eliminating them all. I have called numerous times to the consumer reporting agencies and the creditors in question. I have also written to the consumer reporting agencies with proof of my identity, to request that the remaining fraudulent accounts and inquiries be investigated and removed. The most recent response I received back from the consumer reporting agency stated they would not be removing the inquiries and will continue reporting for 2 yrs. 
Between XXXX and Transunion I have 16 inquiries being reported that I do not consent to, authorize, nor benefit from. These fraudulent inquiries and accounts have put undo stress on myself and my family, defamation of my character, and credit slander. 
At no time did I give written instruction to the above consumer reporting agencies to report on my behalf. Pursuant to15USC1681b ( a ) ( 2 ) Permissible Purpose and 15USC1681 ( a ) ( 4 ) Accuracy and fairness, I am requesting the immediate deletion of the fraudulent inquiries being reported by Transunion :. 
The following ( 9 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX I am requesting the the immediate deletion of the fraudulent inquiries being reported by XXXX : XXXX 
The following ( 7 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX - x2 inquires with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported the identity theft thru FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have tried repeatedly to establish an online account with my chase credit card, and have been unsuccessful. My account is locked, and tonight I called to unlock. The number I called to unlock said that there was a " greater than 50 minute wait. '' I called the main number, spoke to three different people was transferred four times, and remained on hold well over 30 minutes. I had to eventually hang up. I would like the credit card company to contact me so I can unlock my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: TX

Complaint narrative:
Since XX/XX/2021 to present date XXXX and Equifax are reporting inquiries and accounts that I do not consent to, authorize, nor have I benefited from. I have contacted the consumer reporting agencies and creditors to investigate this fraud and remove the inquires and accounts. I had been successful in removing several of these fraudulent accounts and inquiries but have not been successful in eliminating them all. I have called numerous times to the consumer reporting agencies and the creditors in question. I have also written to the consumer reporting agencies with proof of my identity, to request that the remaining fraudulent accounts and inquiries be investigated and removed. The most recent response I received back from the consumer reporting agency stated they would not be removing the inquiries and will continue reporting for 2 yrs. 
Between Equifax and XXXX I have 16 inquiries being reported that I do not consent to, authorize, nor benefit from. These fraudulent inquiries and accounts have put undo stress on myself and my family, defamation of my character, and credit slander. 
At no time did I give written instruction to the above consumer reporting agencies to report on my behalf. Pursuant to15USC1681b ( a ) ( 2 ) Permissible Purpose and 15USC1681 ( a ) ( 4 ) Accuracy and fairness, I am requesting the immediate deletion of the fraudulent inquiries being reported by XXXX :. 
The following ( 9 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUITY LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the the immediate deletion of the fraudulent inquiries being reported by Equifax : . 
The following ( XXXX ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX - x2 inquires with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported the identity theft thru FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2021, I applied through Affirm to make a purchase of a " XXXX XXXX XXXX XXXX Multi Purprocess Welder  XXXX XXXX XXXX on we website of the Store XXXX. '' That same day I received an email where I was approved for the amount of XXXX for the item I purchased. 
From that moment I did not receive any confirmation from the store XXXX XXXX or any other information stating that the product was purchased or confirmed. On XX/XX/XXXX, I made my first payment to Affirm of XXXX where they were charging me for the machine. Before this I was never informed that the purchase was even made. I made the payment and contacted Affirm, in order to investigate more information due to me not having received any item. They explained to me how this process would go and was advised to contact XXXX . I contacted XXXX XXXX, one of the gentleman I spoke with stated he had no information, no receipts or confirmation of any purchased made. I then contacted Affirm once again and informed them was I was told. I have not received any product and the store was stating they did not even have any of my information. I contacted XXXX XXXX  for a second time, I spoke with a different representative and was told they had shipped the item already more than 40 days ago. The address that XXXX XXXX provided was a different address, that I never provided them with. I informed them that that was address was incorrect and that I have still not received any item, yet I am already making payments to it. I contacted Affirm once again and explained the situation. I explained how they did not have a correct address and that it was shipped already. Affirm advised that I visit the address they had on file and try and retrieve the machine. I visited the incorrect address they provided and spoke with a gentleman. He stated he had not receive anything and that if he had he would of taken it to the post office as return to sender. I contacted Affirm once again, and a dispute was made towards XXXX XXXX  due to not receiving the product. I informed Affirm that I would no longer be making any payment until I receive the bough item. The dispute was made and after the 30 days of waiting for a response XXXX XXXX won de case. They stated I had lack of evidence or any other information. I tried explaining that I cant show any receipts or evidence because I never received receipts, confirmations or any thing else. Now, I just receive bills from Affirm where I have not continued paying until I receive my product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Credit Acceptance has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the XXXX month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX  as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I applied for a credit increase with American Express. After applying AMEX advise me of information on my credit report that was incorrect. I believe the credit report pulled by them was at least 6 months old and outdated. I contacted the credit bureau that AMEX XXXX pull and they advised they did not show the information that AMEX had on file. 

I then called AMEX back to advise them the information that they advised was on my current credit report was incorrect and/or outdated for more than 8 months. The file or report used by AMEX was the reason I was denied credit. I have filed a complaint against that reporting agency as well for providing an outdated report to AMEX. 

It is my belief that AMEX is using outdated files when pulling credit reports of clients. I reached out to both XXXX, XXXX, and XXXX XXXX regarding the information AMEX stated during my call with a representative on XX/XX/21, XX/XX/21 and XX/XX/21. I am not sure where and how AMEX is reviewing credit but their file does not match either of the two credit reporting agencies. 

I did not receive a credit pull alert from AMEX or from the credit reporting agency that my credit was pulled by AMEX. 

failure to use current or correct reporting data is a form of discrimination against any/and all customers and a violation of the Federal Trade Commission XXXX 

Using old and outdated reports for the certain customer ( s ) is a form of discrimination. 

There needs to be a full investigation into the pattern and practices used by AMEX for customers with being reviewed for credit increase with limits under {$5000.00} versus customers who may already have a credit limit above {$5000.00}. 

AMEX advised me they used reports from XXXX and XXXX XXXX to review my request for a credit increase. 

Once again I did not get any alerts that my credit had been pulled by AMEX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: AES/PHEAA
State: CA

Complaint narrative:
Reviewing my credit report after being denied for credit I discovered FedLoan Servicing reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. FedLoan Servicing was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because FedLoan Servicing was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. 

Speaking to a FedLoan Servicing representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by FedLoan Servicing did not state what was discussed. It simply stated that my account is current. 

FedLoan Servicing was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why FedLoan Servicing was incorrect in reporting my account delinquent was in error was not received. Although the FedLoan Servicing representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. 

I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by FedLoan Servicing has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. 

Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. FedLoan Servicing must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. FedLoan Servicing should do whatever it could to correct the problem. FedLoan Servicing failed to do so in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I had a XXXX banking account with BBVA which had about 10 transactions per month, as well as a personal checking account that I asked to have shut down 18 months ago and had had a XXXX balance since then ( I thought my request was taken care of ). PNC Bank bought out BBVA, and I received a debit card in the mail. I activated it and used it for business purposes. Then I started getting notices that the account was overdrawn. Impossible, I thought. 

After my first call in, I was told that it was a debit card for a personal account- they opened up a personal account and sent me a debit card. Meanwhile, I have not received any correspondence related to my XXXX account, which I badly need. I have now called in 6 times attempting to track down my XXXX card, about 2 hours of time on the phone, and EVERY CALL has dropped. 

So I have overdraft fees on a card I never wanted, no access to funds that I need in the account I use, and no one can give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I asked for a balance transfer to Bank of America ( BankAmericard ) to pay off another credit card, and they gave me a credit limit of {$2000.00} that was much lower than the amount I have asked. 
On XX/XX/2021 Bank of America made the payment of {$1900.00} to my credit card without notified me. Because Bank of America did not give me the amount requested for I couldn't payoff my credit card. I called Bank of America and asked them to cancel the balance transfer requested. Their associate named XXXX from Texas was told me that was impossible to cancel because was made a eletronic payment. I think it is not fear because I received a letter with a card for activation, that I never did, and credit card agreement letter, credit score ( I have XXXX ) letter, and account summary table letter after they make a payment. The letters they sent to me did not have a datest Now the Bank of America wants I pay them the amount, refusing to cancel the balance transfer against my will. 
What can I do now? I am obligated to have this credit card against my will? This financial companies will win all the time against the american people?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed CFPB Complaint # XXXX on XX/XX/2021. Equifax still has refused to remove the FRAUD ALERT that they put on my credit profile. They falsely claim on my credit report that I requested the fraud alert. They did it by themselves without my permission. 

I am being damaged daily by the fraud alert still existing and I can not use my credit as I please because of it. 

Remove the fraud alert immediately. 

I also requested that previous address that are not mine be removed. Equifax refused. Remove the address immediately so that other people can not use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one put a 26 day hold on my card and refuses to tell me why

Company response to consumer: Closed with explanation