vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
letter received XX/XX/XXXX from WAKEFIELD & ASSOCIATES with account XXXX listed. they claim a debt is owed. In what could be construed by their actions to be an apparent violation of the Fair Credit reporting ( and collecting ) Act. by refusing to allow me to settle with the original creditor ( IF in fact i owed anything ). after reading the account number and confirming who i am ( as they requested ) my request was then met with more requests for sensitive information ( DOB ).

After TWO attempts to get this information. I am still not able to execise my rights as a debtor. please let me know WHO says they are owed money. Additionally, may I ask are there any ( unknown to me ) reasons why this debt collector is NOT SUBJECT TO YOUR JURISTICTION.? thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My mortgage acount with XXXX is not being reported to Experian due to an " internal credit agency policy ''. According to XXXX, the data is accurately reported to Experian. According to Experian, the data is not being accurately sent by XXXX. 

This same account shows up accurately on all other credit agencies.

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 2020-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I have a ROTH IRA savings ( interest-bearing ) account with Ally Bank. On XX/XX/XXXX ( tax filing day in XXXX due to covid-19 ), I logged in to Ally 's website and initiated a transfer from an external bank account to my IRA. I input the amount of money I wanted to deposit, I ticked the box to ensure it was a prior year contribution ( XXXX ), not the box for current year ( XXXX ), and it generated a PDF ( which should be logged in their systems ) with the date that I then signed. I then took a photo of the signed form, put it and a check for the amount from my external account in the prepaid envelope and then took a photo of me dropping it in the mailbox on the evening of XX/XX/XXXX. Ally requires all IRA contributions to be written and signed on paper, so I could not do this fully electronically. 

The amount was withdrawn from my external account and then showed up in my Ally IRA, but I received a call saying that because the postmark on the envelope was XX/XX/XXXX, they could not credit it for the prior year ( XXXX ) and had to credit it to the current year ( XXXX ). I disputed this but after speaking to a supervisor they said the auditors could not bend these compliance rules. 

After learning I could not credit this to XXXX, I asked if I could have the transaction voided ab initio and undone, as if I had never sent the check in the first place, as this would affect the limit for other contributions I could make in tax year XXXX. I noted that my signed request did not authorize a deposit for the current tax year, but only the prior tax year, and them crediting it to a year that I did not authorize could have significant tax implications for me, and presumably other clients. However, after checking with auditors, they said they could only remove the money by sending me a check and treating it as a distribution ( " excess contribution '' ) from the IRA, which would not only use up the contribution room I didn't want used up but also subject me to tax implications for this withdrawal. Apparently the auditors were sticklers for compliance with the postmark but not with my authorization of which tax year I specifically requested a deposit in. 

I have talked to two people now and this has been escalated further, and I have asked that all future correspondence be copied in writing and that past calls be saved.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is 1 name, 2 addresses, and 2 previous employers that are inaccurate. On XX/XX/20, I mailed a letter to Experian asking to please make these changes. They did not respond and also did not make any changes.

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 2020-08-05 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$740.00} XXXX XXXX   XXXX $ XXXX XXXX {$1100.00} XXXX XXXX XXXX {$430.00} 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 2020-08-05 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$740.00} XXXX XXXX   XXXX $ XXXX XXXX {$1100.00} XXXX XXXX XXXX {$430.00} 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 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX XXXX, Bank of America closed my Mastercard ending in XXXX. 

On XXXX XXXX I received an email notifying me of the closure. No reason was given for the closure. The email stipulated an adverse action letter would be sent and include the reason for closure. The email itself does not meet the disclosure requirement of Regulation B for adverse action notification under the ECOA. 

On XXXX XXXX I called Bank of American and spoke to XXXX and XXXX XXXX ( XXXX ). XXXX advised the closure reason was due to my credit score. XXXX XXXX, a manager, disconnected the call and did not call back. 

On XXXX XXXX I again called Bank of America and spoke to XXXX, XXXX ( XXXX ) and XXXX. XXXX identified as a supervisor and XXXX identified as a manager. 

I reiterated my XXXX XXXX request to reopen the account. I advised XXXX I was amenable to a credit review for this purpose. I advised all three that no adverse action letter had been received. XXXX advised that her account indicated none had been sent to date. My address was verified. It has been unchanged for 22 years. At XXXX XXXX disconnected the call and did not call back. 

It has been 22 days as of today since account closure and I have not received an adverse action letter. BoA agents indicate none has been sent to date. I anticipate BoA will violate Reg B. 

I am seeking resolution by reopening the account. I value the account as the oldest account on my credit bureau. This impacts the average age of credit and in turn my FICO 8 score. 

I recommend an investigation into Bank of America 's compliance with the ECOA Reg B as it regards the bank initiated closing of accounts, adverse action notification and the required disclosures of adverse notifications.

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 2020-08-05 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all  consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have tried to contact Wal-Mart by phone but have been unable to reach a live person at the number listed on my credit report. Account # XXXX is still being reported as a charge off /collection account but this account is paid in full. I have attached how the account is reporting on all 3 credit bureaus. XXXX reports paid was a charge off but XXXX  and XXXX is reporting as it is still a collection / charge off in the account status. Please update the payment status to the correct paid status to ensure my credit report and scores reflect accurately. 

I have also reached out to the credit bureaus via usps on several different times but they failed to correct the errors.

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 2020-08-05 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: NY

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX CXXXX   XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2020-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
In 2014 false papers was submitted to obtain a car loan and paying the loan has been a struggle I even asked to get the car refinanced for lower payments that was never approved I lost my income and the car was repo and one time and I'm still having hard times. 
Also I qualify for the lawsuit for the giving me a loan I couldn't afford that I'm stuck with and it's been so bad I had to seek medical help for XXXX XXXX. ALSO my ex fiance has filed bankruptcy and has gotten his name off the loan which has made this even more of a nightmare Payoff Quote Account Number : Collateral : Payoff Amount : ( This payoff is good for 15 days from todays date ) Daily Interest : Payoff Through : To Whom It May Concern : This Payoff Quote is being provided in response to a request by the account debtor ( s ) on the account set forth above or their counsel. NOTICE : TO THE EXTENT THAT YOUR OBLIGATION WAS DISCHARGED, OR IS SUBJECT TO AN AUTOMATIC STAY UNDER TITLE 11 OF THE UNITED STATES CODE, THIS STATEMENT IS FOR COMPLIANCE WITH THE STATE LAW AND/OR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE AN ATTEMPT TO COLLECT A DEBT OR IMPOSE PERSONAL LIABLILTIY FOR SUCH OBLIGATION. The estimated amount to satisfy the above-referenced account is set forth above as the Payoff Amount. This estimate is good through the Payoff Through date set forth above. This payoff amount is subject to a final  reconciliation and accounting and may change if there are returned payments or fees assessed on the account within 30 days of this quote. This payoff amount does not deduct unearned premiums for ancillary products, such as GAP or Credit Life insurance, purchased and financed within the loan. Canceled ancillary products with unearned premiums received may be refunded, if applicable.Title will not be released until the above-referenced account is paid in full. Please be advised that the payoff effective date will be the date we receive the funds. For a payoff sent after the Payoff Through date set forth above, please add ____________ for each additional day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: OH

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. USDOE/XXXX XXXX {$81000.00}

Company response to consumer: Closed with explanation