vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
On XX/XX/2023, at XXXX XXXX  XXXX XXXX sent me an email stating my account was in blocked status and that I needed to upload my ID to be verified. I uploaded my ID and the XXXX system said it was verified and that my account was then unblocked. On XX/XX/2023 at XXXX XXXX  XXXX I received another email from XXXX stating my account was then blocked and permanently closed. I called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that my {$400.00} transfer that I initiated on XX/XX/XXXX was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. 

I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. I called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because my XXXX was closed that it would not be sent back to XXXX. 

There is no reason XXXX should have closed my account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by me via my Ally account. I can prove I own the XXXX account and the Ally account. I want my XXXX account unlocked. I want my {$400.00} transfer to go into my Ally 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 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After applying for a loan, I was given a copy of my credit report and I noticed some of my personal information XXXX, XXXX, and TransUnion was inaccurate or missing including current address and date of birth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: IL

Complaint narrative:
After applying for a loan, I was given a copy of my credit report and I noticed some of my personal information Experian, XXXX, and XXXX was inaccurate or missing including current address and date of birth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: OH

Complaint narrative:
I had a hotel refund my deposit. The hotel said it wouldnt post to my account and it did. They gave me a receipt showing it was refunded. Cashapp said they needed the receipt that showed store, date, logo, refund and show a XXXX balance. 

Ita shows all that and cashapp wont refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
This was a bill from XXXX XXXX XXXX that I didnt have service for. Ive disputed multiple times but they keep selling my debt to other 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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
We have checking, savings, and credit card accounts with Wells Fargo and have been a customer for 15 years. This month my wife made an error when paying our credit card bill from our checking account by putting an extra zero in the bill pay. Thus, instead of transferring {$1400.00}, it transferred {$14000.00} from our checking to our credit card. We didn't catch the error until the bill pay posted on XX/XX/2023. I contacted Wells Fargo immediately to attempt to rectify the error. I was told that the bill pay had to post first, then the unused balance would be returned to our checking account within 5 business days. After a week the funds had still not been returned to our checking account so I called customer service again on XX/XX/2023. I was told that because the transfer was large ( although at the time large was not defined for me ) it would take 30 days for this to be cleared. That is unacceptable. I was sent up a level at customer service and I requested that the bill pay transaction be reversed in its entirety. I was told that this would occur within 48 hours. 48 hours later the funds had not yet been returned to our checking account. I called again and was transferred up two levels in customer service. This person informed me that for transactions over {$2000.00} it would take 30 days, that there was nothing that could be done to hasten the review and transaction and that Wells Fargo would do nothing to make me whole in the short term. I'm sure all of this is in the fine print of our credit card agreement. Because all of this is internal in Wells Fargo Bank, they have the ability to correct the error overnight if they would choose to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently disputed negative items on my credit report and didn't get a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: PA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$4100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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.

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 2023-06-16 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: CA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2018 ; XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$7200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On the day of XX/XX/XXXX I got an email alert from my bank stating that someone is trying to use my name to open up an account from Citi bank my bank provided the contact information. I immediately contacted the other bank which is ( citi bank ) and they told me nothing with my info was in there system. Yesterday on XXXX XXXX  I get another alert that my credit score had been dropped upon checking my credit report I noticed a new account for Goodyear XXXX/ Citibank I have no knowledge of this, I've never applied for nor have I done any business with this company. Please help me remove this from my credit and prosecute those responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw that my concern was closed and that it says the accounts were updated but when I checked my report the negative accounts are still appearing on my report and I want it to be deleted. Below are the accounts I disputed previously. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
BRIEF Outline REALTIME Equity Line - Real Time Resolutions, Inc. XXXX XXXX XXXX XXXX TX XXXX is the servicing inheritor of an Equity Line we originally opened with XXXX XXXX , which became part of XXXX XXXX XXXX during XXXX Financial Crisis. As we negotiated our way out of Foreclosure on the XXXX with XXXX XXXX XXXX we were lead to believe the equity line was included in the Modification. The modification was not moving forward in early XX/XX/XXXX when we were suddenly and oddly, even secretly '' given a Loan Modification Offer from XXXX XXXX XXXX, that we accepted near the end of that year, avoiding Foreclosure. Turns out XXXX XXXX XXXX modified the XXXX and apparently shopped out the Equity Line to Realtime Resolutions Inc. for bargain basement pricing. With XXXX XXXX ( Real Estate Attorney at the time ) as we could not get the State of California to intervene about clearing XXXX XXXX XXXX/Real Time Resolutions Equity Line, we were negotiating with Real Time Resolutions to possibly clear that Lien at XXXX XXXX. Those negotiations seem to be moving forward, AND then Real Time ended discussions with a no to {$30000.00}. They then carried that EQUITY Line quietly, a few letters per year. 
Then in XX/XX/XXXX they charged off your loan and sent us a letter ( attached ) stating that they had done so at {$91000.00}, AND To the extent interest or late fees were accruing on your account, please note that no additional interest or late fees will accrue in the future Now, a recent letter from Real Time Resolutions XX/XX/XXXX ( attached ) claims {$130000.00} is owed. 
Thats difference of {$46000.00} that we think is worth complaining about, and getting a genuine settlement offer from Real Time Resolutions would be a step in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged for a {$1200.00} transaction on XX/XX/XXXX and Citibank/ bestbuy waited for a month and closed dispute with a wrong reason. 

Disputed transaction Date : XX/XX/2023 ; Disputed Amount : {$1200.00}. 

There is no record of this transaction on bestbuy.com for this amount on that date. Bestbuy customer service have told me that there is no record of this transaction. 

I believe this transaction is showing up because of some odd way bestbuy has been processing a refund of an old transaction. 

Related transaction date : XX/XX/2023 ; amount : {$1200.00} ; This was TV pickup order i made. I canceled transaction on XX/XX/XXXX without picking up tv and bestbuy refunded that amount. 

2nd related transaction date : XX/XX/2023 ; Amount : {$1100.00} ; I made a different transaction on XX/XX/2023 for {$1100.00} for same TV pickup and I picked up the tv. 

From my pov, {$1200.00} transaction on XX/XX/XXXX was canceled and refunded on XX/XX/XXXX. I made a separate transaction for tv pickup that i pickedup for which i was rightly charged {$1100.00}. 

Reason provided by credit card card company for closing dispute without refund : I pickedup the tv. 

Why i contest the reason : 1 ) I canceled that order completely 2 ) I pickedup TV by placing a completely new order and was charged for it 3 ) the old transaction shows up as canceled on bestbuy.com and bestbuy customer service also confirmed that it is completely canceled and i should not have been charged.

I dont understand two things. 
1 ) Why will a {$1200.00} transaction suddenly appear on XX/XX/XXXX on my credit card when it was refunded on XX/XX/XXXX XXXX ) How can a transaction amount appear on a different date on my credit card when my bestbuy.com account shows it as canceled and refunded and there is no record of this transaction 3 ) Why does bestbuy/ citi take more than one month on this dispute and resolve it without adequately investigating or explaining to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
As of XX/XX/2023 Equifax is reporting XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  XXXX for the amount of XXXX XXXX and XXXX XXXX dollars. XXXX XXXX has sent me a letter stating that they no longer wish to attempt to collect this debt, and that the instructed Credit Reporting Agency to delete this account. XXXX has deleted this account as well as XXXX Equifax has not deleted this account as of now. 
Proof of this was downloaded into the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX ( MO } XXXX, I may presume that no proof of the alleged debt nor any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.

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 2023-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit card company XXXX XXXX bank reported wrong information to the credit bureau about missies payment Ive sent the credit bureau the documents to support my claim from the company who has agreed to remove their error and the credit bureau still hasnt done so Ive never missed a payment on such 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 non-monetary relief
Consumer complaint received 2023-06-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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