vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: Fidelity Direct Mortgage, LLC
State: FL

Complaint narrative:
There was a promotional inquiry on XX/XX/23 I did NOT authorize. I would like this removed from my report as it is affecting my credit score and my ability to conduct proper business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: OK

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX of XXXX I opened a credit card with a XXXX point balance. It came with a {$95.00} dollar fee. It appears that I did not meet the required amount spent. I was never given an amount needed to meet. 

In XXXX of XXXX I upgraded to a different card with XXXX points. I was not given an amount needed to spend to meet this offer. However after looking into the terms of money needed to be spent, I did spend the amount needed. However I was told I did not qualify for the points because I was already a customer and this didnt apply to me. However this was not disclosed and there is still nothing I can find saying that this is a term that disqualifies you on current promotions. 

When BofA switched me to a new card they transferred my old number to the new card and by doing this they " avoided '' having it be a new card with new terms because it came with same number, though I asked for a new card and account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX  XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX  Account # XXXX ) and feel my rights are being taken advantage of 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The ATM at Regions in XXXX, GA does not have a drive thru ATM. You have to get out of your vehicle to use the ATM. This is the only branch that does not have a drive thru ATM. It is very inconvenient and dangerous. Also, the XXXX department needs to recognize PR as payroll so early pay can be done.

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 2023-11-30 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Called to pay my mortgage and found out on XXXX they were hacked

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 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2023 at about XXXXXXXX XXXX My son XXXX XXXX called customer care for Comenity Bank who issued the Bealls Outlet card. Phone # was XXXX I gave him lifetime permission to speak on my behalf. He spoke to XXXX employee # XXXX she was rude and didn't want to transfer him to the collections department. She refused saying 'I will not allow you to be transferred you do not make decisions for your mother '' I had to get on the phone and tell her to transfer him. My son was not making decisions for me but rather helping to settle a debt through a lump-sum settlement. After he was being transferred they decided to hang up on him. This was unprofessional and ridiculous behavior for a company to display toward a customer and their family member. I want to free some credit and help my credit grow in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I have been trying to log in for a week to pay my mortgage since XX/XX/23. The first few days, the website either refused to load, came up as a 404 error, etc. I have received no communication from Lakeview LoanCare re : this outage. I found out via XXXX and XXXX news sites that their website is down and has been down for over a week. On XX/XX/23, I tried to call them and was on hold for over an hour on two separate occasions. I tried to use their online form and was greeted with errors that prevented submission. I tried to make my payment when the website finally loaded after receiving an email from Lakeview stating they were back online, and was greeted with the error " Hmm, something went wrong. Try again later. ". I am still not able to pay my mortgage or reach anyone.

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 2023-11-30 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: FL

Complaint narrative:
On XX/XX/2023, XXXX XXXX reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score 80-90 points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called XXXX XXXX on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with XXXX on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of XXXX homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in XXXX charges. The XXXX XXXX must pay for this cost.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023, XXXX XXXX reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score XXXX points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called XXXX XXXX on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with Experian on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of XXXX homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in XXXX charges. The XXXX XXXX must pay for this cost.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After receiving phones from these debt collectors companies XXXX XXXX XXXX and XXXX XXXX XXXX I was informed of a debt. I spoke with so many representatives and explained this is not my debt to both companies. I contacted all 3 credit bureaus and informed them of these fraudulent accounts and nothing has been done. XXXX XXXX XXXX is stating a car loan for XXXX not my car. XXXX XXXX XXXX is stating {$240.00} both of these companies have my credit listed delinquent, and neither one of these companies has an account with me at all and are hurting my chance of obtaining credit.

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 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank is garnishing my wages for unpaid credit card of {$1500.00}. I have never had a synchrony bank credit card so I believe this is fraud. I called today on XX/XX/XXXX about why my paychecks are being garnished. The lady on the phone told me its for an unpaid credit card of {$1500.00}, I told the lady Ive never had a synchrony bank credit card, also told her Ive never had a credit card limit of over {$500.00} in my life before so I know this is not my credit card, but they are trying to make me pay. I just found out that theyve been garnishing my wages since XX/XX/XXXX and I had no recollection of them even doing that. Please help me resolve this matter I cant live off the f my checks now with this garnishments.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. 
Account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX, several accounts/credit cards were opened using my information including XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Bank of America, XXXX XXXX , To XXXX XXXX, and XXXX . I immediately disputed all accounts, which were all removed from my credit and I thought the issue was resolved. At that time I placed a fraud alert and activated protection. Fast forward to XX/XX/XXXX, I was applying for an auto loan and realized I had a charge off from Bank of America which I thought had been resolved in XXXX. I immediately went to the police and filed a report and have been going back and forth with XXXX and Bank of America to resolve this issue. I went to a Bank of America branch on XX/XX/XXXX and had them fax over my police report and all of my supporting documents that they requested and my dispute was still denied based on them claiming that they did not receive my supporting documents and also stated there was not sufficient evidence to support my claim. I have provided a police report, along with pictures of all the accounts that were opened at the exact same time of the Bank of America credit card, and pictures of all the disputes from the other accounts that I filed back in XXXX. Please may I have assistance with getting this resolved.

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 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, Ally Bank blocked my access to XXXX through their website and app. When attempting to access XXXX on Ally 's website, the message " There is a problem with the information in your profile. Please call us to resolve '' is displayed. 

I have made numerous attempts to resolve this issue with Ally in the last six weeks, and I have not made any progress. Unfortunately, this issue impacts me at Ally Bank and all financial institutions because Ally has the XXXX " tokens '' associated with my mobile phone number and primary email address, which means other banks can not use them. I have confirmed this directly with the XXXX company, who explained that only Ally Bank can release these tokens. The inability to use XXXX is impacting my financial life as it is the way many of my friends and colleagues reimburse each other for various activities. 

The reference number that Ally Bank has given me for this issue is XXXX. In six weeks, Ally has made no progress in resolving this issue. Some customer service agents at Ally told me it is a " back-end systems issue. '' I have not been told that I did anything wrong or that any identity theft or fraud is suspected. 

Here is a partial list of the phone calls with Ally to resolve this issue ( all times XXXX ) XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Someone filed for credit cards in my name and I found out when I went to make a truck purchase and was declined

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Every month since the loan inception, at my time of payment every month I have attempted to pay additional principle payments on my loan. When you attempt to pay extra or when you attempt to pay any late fees incurred the system only allows you to pay the standard payment. Any attempt to differ the payment amount is met with an error that returns you to the payment page. The only way to complete the payment is to pay a normal payment of the exact monthly payment amount. The company has actively stopped me from paying off my loan early and I have also incurred late fees that I am unable to pay. When you try to call the company you are placed on hold for hours only to ultimately have the call time out. I have documented this problem with screen shots and video evidence of the problem. This is likely happening to everyone customer they have in an ongoing scheme to keep consumers in high interest loans as long as possible. This has left me in a situation where I can't refinance and can't pay down my loan quicker in an effort to increase my chances of a successful refinance. This has damaged me financially and has affected my ability to raise my credit score. Had this not occurred I would likely have made the equivalent of 3-4 full payments as principle on the account and would have avoided XXXX  late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I gain a free copy of my credit report from www.annualcreditreport.com and I noticed that my XXXXCare Credit account is reporting my account as closed. 

I would not have known my account with Synchrony/CareCredit was closed had I not checked my free credit report because the company did not alert me before they updated my account status as closed. The only notifications I have been receiving from Synchrony/CareCredit is upcoming due dates or past due dates prompting me to pay my bill. They have been sending me my bill statements via email, text and mail since XX/XX/2022. 

At no point has Synchrony/CareCredit informed me that they would be reporting my account as closed when I have just had their card for XXXX year. I explained to the company that my business income fluctuated tremendously this year and I did not make as much money in the last few months. I had to make adjustments to catch up and now I am able to pay in increments to get my bill back under control. 

Due to the lack of communication with Synchrony/CareCredit in reference to closing my account I feel this is an inaccurate report without resolving it with me, the consumer, first. 

I would like to see CareCredit reopen my account and update this status on my credit report.

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 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Company is trying to cancel on a debt that has been a charge-off. This constitutes TAX FRAUD, and the matter will be reported to the IRS! I will be filling IRS Form 3949-A. 

Capital One have furnished this account as a charge off. Capital One is in violation of the Fair Credit Reporting Act 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: PA

Complaint narrative:
In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a XXXX XXXX XXXX called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX XXXX or website for current account balance and to make debit payments from my XXXX  XXXX  account as payment to XXXX  XXXX. This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.

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