vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was award a loan from the SBA that ally bank accepted .. within days of the loan ally bank closed my account stating fraudulent activity.i never received an alert nor call or email of any sorts. I reached out to them with all my legal documents pertaining to the loan and their agreement with accepting the loan as well. They had advised me to reach out to my loan institution to have them to request the funds back for release.the institution advised me that once the bank accepts the loan, it's my duty to retrieve it back because of responsibilities to pay it back. The bank has been giving me the run around for last 4 years stating my account was frozen by some government entities which is true. I spoke on the phone with both the SBA and ALLY BANK on a conference call and ally bank was advised that the loan was indeed legit. Ally bank had advised me that my funds would be released immediately during the conference call. The next day I had called ally bank back, they were no longer in agreement with releasing my funds.

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 2024-08-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I phoned Barclays customer service and told the lady the problem that points had ceased being reported to XXXX XXXX. She looked at my XXXX, XXXX, and XXXX Barclays statements and could see there was spending but said " XXXX Earned = XXXX. '' They set up a case number XXXX and said I would receive a letter by mail. 

XXXX weeks later I received the letter which simply stated " We currently are unable to assist you you Rewards issue. '' I phone again and was told another letter would be going out but I never received it.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX informed me that the company was closing all of its accounts after being informed and having some of my balance returned to me. The account and payment history in XXXX  were all current prior to closing, but the account is showing as a negative closure. 

I have repeatedly called XXXX, and emailed XXXX for several months now and I have received no response. 

Please review the email pdf attached to understand how we were informed of their closure.

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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My reason for contacting the CFPB is due to XXXX XXXX unfair and deceptive business practices. I have been in constant contact with XXXX XXXX regarding the funds in my account at the time of account closure, which was a balance of {$810.00} since XXXX. I was told on XX/XX/XXXX that the check has been cashed since XXXX and that they are researching how to get me those funds. On XX/XX/XXXX that a check was being issued to me and I would receive it in the mail in XXXX business days. On XX/XX/XXXX I called again after I still had not received any check but had received a notice of account closure through XXXX. I was told that the check was issued on XX/XX/XXXX but they needed to get in contact with the back office team on XX/XX/XXXX there was a transfer out of the account for the balance of {$810.00}. XX/XX/XXXX I called again for an update when I was told there was a check issued for {$0.00} and they needed to get in contact with the back office. XX/XX/XXXX I reached a representative that told me he opened a research ticket about the check because somehow the funds got placed into an abandoned property account, I never heard anything back. On XX/XX/XXXX I reached another representative that opened a research ticket # XXXX to try and get this figured out and my rightfully owed funds to me, Im still yet to hear back.

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 2024-08-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need immediate attention regarding this problem since it is very alarming. There are items on my credit report that have resulted from fraud to which I never benefitted from. These companies pulled up my credit report without my authorization, It is stressing me and making me anxious on why and how this happened. I have reported them to the federal trade commission but they are not removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
You ask if I've requested information from the company/companies. That's impossible. No live person to talk to. I tried freezing my credit first with Experian by phone. I answered security questions as expected and was then told my " pin '' number would be emailed to me within 24 hours. WITHOUT ASKING ME TO VERIFY MY EMAIL ADDRESS. As expected, no pin number email. Did get a confirmation number though. I called back trying to unfreeze but was instructed by automated system to request that by mail. 

Then tried a freeze with XXXX. Roughly same security questions and then silence for an awkward amount of time. Then simply the same automated voice saying " your freeze was successful, thank you for calling '' .... '' main menu .... '' WHAT? Again no pin number to lift the freeze??? I am SO nervous! I assumed I could expect a level of professionalism, but this is TERRIBLE!!! Children could do a better job. Please tell me what to do next. Oh..and I'm NOT trying this with 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/year> I attempted to create an account to submit a request for a credit freeze. I was informed through the website that it was unable to identify me, and to call their number to have an agent verify my identity. I called the number, and was not able to verify with the automated system or reach a representative

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 2024-08-16 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: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX please sent me a copy of the validation of this account failure to do so remove this account from 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 non-monetary relief
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: NY

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. 

Account Name : XXXXXX/XX/XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/XXXX XX/XX/year> Equifax 15 U.S.C 1681 section 602 A. XXXX 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 2024-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Acct # XXXX. Violated my rights.

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

15 U.S.C 1681 section 604A. Also States a consumer reporting agency can not furnish my account without my written instructions.

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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I mailed in a personal information dispute letter on XX/XX/24. I called in before this to dispute my personal information and i still have inaccurate information on my consumer 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 2024-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I paid of my vehicle in XXXX XXXX of XXXX. 
Bridgecrest marked my vehicle as late and paid off. The car was paid prior to the late day notice sent from Bridgecrest. The notice stated i would be reported late if not paid by XXXX XX/XX/year>. I filed a complaint with CFPB and Bridgecrest agreed to update my credit and remove the negative information. Since that time it was updated and the negative information was removed to it now reflecting not more than 2 payments past due and 30 days late cause my credit score to drop.

Based on the time frame i was given to make a payment Bridgecrest shouldnt have ever reported it late based off my payment and their notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX told me to contact Select Portfolio Services in regards to getting my XXXX. No one seems to have been at fault in this XXXX 2nd mortgage scam. I filed a XXXX XXXX in XXXX which got rid of my 2nd mortgage and restructured the 1st mortgage. In XXXX or XXXX this XXXX  2nd mortgage popped up as XXXX XXXX and said I owed them {$120000.00} and they were foreclosing on my house. I called my 1st mortgage company they said it was a scam. I called the agency that did the bankruptcy filing and they said it was a scam. Then I received the foreclosure paperwork and I verified that the 2nd mortgage company can foreclose on my home so I paid the payment in the total amount of {$67000.00} because I was scared of losing my house. At the time Not knowing that they violated Regulation Z part of the Truth In Lending Act. I didnt receive any statements from XXXX or SPS regarding interest attached to the mortgage nor a statement or anything until I received foreclosure notice. The loan, shortly after I made the large payment was transferred to Select Portfolio Servicing Inc . I believe I was duped out of my life savings by this zombie 2nd mortgage which was wiped out when I filed bankruptcy. Proof of payment is attached

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Website does not function properly. Will not reset passwords, nor allow a new account. I am not sitting on the phone for XXXX hours. There are numerous complaints on the Internet for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

Account Name : XXXXXX/XX/XXXXAccount Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion XXXXXX/XX/XXXX XX/XX/year> XXXX 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 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 2024-08-16 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: NY

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 XXXX XXXX XXXX. 

Account Name :XX/XX/XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/XXXX XX/XX/year> XXXX 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 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 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I applied for a credit card with Wells Fargo. I was approved and told to create an online account to access my banking information. I am unable to access that account or create a profile with them to use my card. They state it is because I had a previous profile with them created in 2011. This profile was not mine, was never created by me and it had old information of my mother 's, none of which was ever associated with me. They are unable to change the phone number on my account to allow me to create an online profile and it has been over XXXX weeks of daily conversations with different people all telling me XXXX more business days for this and that- none of which works. my concerns keep getting 'escalated ' and I am not being told that the only way I can create an account is by opening a checking account and going to an ATM with my debit card! So they want me to create a new account when I can't even access my existing account! I am so upset, this credit card can not be used, has pulled my credit and is now on my credit report. I feel completely mislead and lied to. Wells Fargo has completely been unhelpful and uncaring with my issue.

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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
To SLS and shellpoint Your company has made a mess of my loan and a lot of mistakes and delays. 
I am requesting the following 1. explanation of debits and credits not explained to me from XX/XX/year> to the current month that show on my statements that I was told they would be explained to me and they have not. 
2. I was told not to make any payments until I received my modification papaerwok which I received a few days ago with incorrect info.

3. I am requesting for the balance past due to be placed at the end of my loan and continue making my regular payments of the amount {$3300.00} starting XXXX but I need to know so I can go ahead and make that payment asap, it was your bank who delayed this process due to the switch between companies, I emailed the person assigned several times to get the paperwork in order for me to make my payments and I was told to wait first by SLS then by shellpoint. 
4. Negative report to credit bureau needs to be removed or additional complaints will be filed. By law I am protected while this process takes place 5. Please reply to me by XXXX so I can make the payment for XXXX. It was your bank who send me this paperwork last minute and asking for a payment from XXXX? When you told me to wait until I get my paperwork to start making my payments. And I have records of that.

6. If no response is received additional complaints will be filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation