vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This letter is a formal complaint against SYNCB XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for 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 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
All of my XXXX accounts were deactivated on XX/XX/2022. After XXXX calls and XXXX hours on the phone with Ally and XXXX, this issue remains unresolved. I was told that one of the people who sent money to me was suspected of fraudulent activity and consequently my account was also deactivated. As a consumer, at no point was I asked for information or provided any opportunity for discourse, refute or evidence. Furthermore I'm notified that I'm no longer able to use XXXX NOR ACH transfers.

How a transaction from one party to me can effectively shut down my usage of online banking is ridiculous. Am I now being restricted to technology from the XXXX XXXX, wire transfers to move money and not to mention, the sweet fee 's that banks charge for that type of transaction? Where are my consumer rights?

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 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom Mortgage will not accept payments outside the current date window. This is the first lender I have seen do this in all the mortgages I have had over XXXX years. Example I am due for XX/XX/XXXX. I want to pay this payment today XX/XX/XXXX. I can only pay a principle reduction online. Or, I can send in a payment, Freedom Mortgage applies this as a principle reduction which I do not want and I have to call to have the payment applied as a regular payment. Allow customers to make payments as they see fit, stop trying to stretch debt out, or make it unfairly difficult to forward pay your mortgages you service. They have a payment button on the site, however when you click the button, if you are prepaid for that month you can only do a principal reduction unless I mail a check and then call to reallocate the payment. This is an unduly burdensome process for these times.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I deposited XXXX checks a month ago into Regions bank. XXXX check was from a car delearship for {$400.00} and the other was from XXXX XXXX XXXXXXXX for {$0.00}. The {$0.00} check was returned on my account because I had not noticed it was expired. So the bank decided to close my account. The {$400.00} check went through with no trouble yet they are still refusing to give me my money. It has been one month since I have not had access to these funds. I have asked repeatedly for them to send me the balance in my account like they said they would weeks ago. I do not have specific dates because they also locked me out of my online banking feature.

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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
While struggling through difficult times, we tried to keep payments up and did stay behind but kept ahead of repossession until my wife found a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We called Wells Fargo one final time after both myself and my wife started getting solid income so that we could set up something to get it caught up. The agent informed us the car had been charged off, and we had no clue this was a thing. We never received any notification, call, or even an email. It was XXXX days before the call when they said it had been charged off we had funds to catch it up, but they would not accept it and gave us XXXX  options. 
XXXX. Surrender the car XXXX. Pay in full in XXXX payment XXXX. Pay the full balance in XXXX payments over XXXX months. 
We had the funds and now have the steady income to get back on track, but they will not budge. 
In addition, for the last XXXX  months, we have not been able to log into our account. attached is what we receive, and I have notified them on XXXX occasions.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a XXXX XXXXXXXX account holder a fraudulent inquiry was made on XXXX of 2022, I did NOT authorize this inquiry. The inquiry is fraudulent and XXXX XXXX has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a XXXX  XXXX account holder a fraudulent inquiry was made on XXXXXXXX XXXX XXXX I did NOT authorize this inquiry. The inquiry is fraudulent and XXXX XXXX has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.

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 2022-12-21 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have tried to respectfully handle a few reporting errors with Experian beginning XXXX of XXXX It is now XX/XX/2022 and they have yet to fix the reporting errors. They have tried to respond that the accounts are " verified '' and reporting accurately, however this is not a reporting error from the furnishers. IT IS EXPERIAN THAT IS REPORTING IT INACCURATELY. 

The XXXX accounts are listed below with explanation of what needs updated. 
Ive included all letters Ive sent them as well as a copy of both accounts credit report with the inaccurate items highlighted. 

XXXX- The account status, the payment status, Date last Active, Date of last payment are all inaccurate. 

XXXX The Payment status, last payment and XXXX year history- are incomplete and inaccurate. 

I have sent XXXX letters since XXXX of XXXX This is a violation of FCRA and these accounts need to be corrected immediately.

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 2022-12-21 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: AR

Complaint narrative:
At some point years ago, a fraud alert was placed on my account with Experian. As a security measure they placed my phone number on the alert, making it impossible for me to be approved for credit unless I receive a personal phone call. The problem is that they have the wrong phone number. I have tried for so many hours to get this corrected, can not talk to a person and the automated system just says it has to call the number before it can do anything. After approxtamantly XXXX hours of working on this I have managed to get the old number removed, but now I am told they can not fix anything unless they call me and since there is no number they can not call me. It seems to be impossible to talk to an actual person and the XXXX times I did reach an actual person they told me they would have to call me on the number they have, A wrong number, this is not due to me changing my number, because I have had my current correct number for about 20 years. I finally got ahold of them again today and was told the number is gone, but now they have no number, and they have to call me on the number they have and since it is not there they can not call or add a phone number. I need help dealing with this, the company is costing me so many problems do to a simple problem that should have been an easy fix...

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I locked my TD XXXX credit card in XXXX or XXXX because it was impossible to cancel the card without a phone call to their sales reps. Recently I began receiving letters from TD Card Services indicating that I have a charge and am accruing interest and late fees. I called XXXX to clear this up and dispute any charges. During that call I was told that there was a charge from XXXX. I don't know where this transaction came from and I did not authorize it. However, the XXXX number is only a payment number. They can't handle disputes. The number the rep gave me is the same XXXX number and I can't get a hold of anyone to remove this charge. The other number on their website ( XXXX ) doesn't even work. There is no way to dispute charges online. I believe TD Card Services makes the cancelling of cards and dispute resolution deliberately difficult just so they can continue to charge exorbitant fees. I'm asking for the CFPB 's help in removing any charges and fees from this card and cancelling it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 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: RI

Complaint narrative:
I asked XXXX, transunion and XXXX to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove 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 non-monetary relief
Consumer complaint received 2022-12-21 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: RI

Complaint narrative:
I asked XXXX, XXXX and Equifax to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX dispute XXXX XXXXXXXX i have tried several times to get your company to follow the law/ every validation your company has foward me has a purchase of debt mailing to a XXXX XXXX XXXX about 5 to six months while XXXX XXXX. under the law any company that is to make a negative remark on my credit report must make contact with me bi phone or bi mail before taking a negetive remark against me to allow me to access my right to validate or dispute the debt. on this despute i provided your company with a disposition from the court on XXXX # XXXX which is public record and i had to go pay for the record to show you i was XXXX  in XXXX of XXXX so if you didnt obtain this so called debt until XXXX and XXXX of XXXX  how can you have made contact with me. you are falsely claiming i owe you money when i have never entered into any contract with your company or allowed your comapny access to my private protected credit information. your company is un ethical and is illegally making negetive reports against me. please publish all investigations and resoning for validation alonjg with how you legaly obtain my credit information. i am going to be contact a lawyer to see if we have any further actions i can take against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
Despite numerous attempts to contact the company in both writing and via telephone customer service, Ace Cash Express has REFUSED to allow me to enter into the required XXXX grace period the State of Florida requires for payday lenders to provide. Ace Cash Express has claimed ignorance of this requirement in Florida and instead of offering any assistance in postponing payment while I attempt to follow Florida law with credit counseling, Ace Cash Express cancelled the loan to attempt to force a full payment through my account. 

Ace Cash Express was notified on XX/XX/2022 that XXXX access to my account was revoked, and they have still made numerous attempts to remove funds from my account. Ace Cash Express is in violation of Florida law, specifically, XXXX XXXX. XXXX. XXXX, which dictates the grace period requirement for Payday loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On Friday XX/XX/XXXX, my bank account at Huntington Bank had an overdraft of {$4700.00}, and the account was frozen. This was due to a court order. On Monday XXXX XXXX, I attended the court hearing, and the case was dismissed. This is due to no income or assets. The judge ordered my bank account to be unfrozen. 
I understand this takes time. I went to the courthouse on Friday, XXXX, in order to get a certified and sealed copy of the order. I then brought it to the bank and submitted it with the understanding it was being sent to the legal department. On Monday when nothing was done right away, I contacted the bank again. I called the local bank at XXXX XXXX XXXX, XXXX XXXX Il. They assured me that the account would be taken off the hold and funds would be there in the morning. On Tuesday the situation remained. I contacted the XXXX number for the bank. They gave me a number to call. I called it and it was the original creditor. They can't help me ; it is the bank not them, and it is a process. I though she sent me to another department of the bank! I again contacted the bank and demanded to speak with the legal department. I spoke with XXXX in the legal department. I told her this was causing me great harm. She assured me she was on it! After XXXX hours she calls me back and tells me they never got the copy from the local bank. I offered to bring it to the bank. I did, and again the bank emailed the order from the court to the legal department. The person at the bank said it would take minutes and I would have my account back. Today is Wednesday, still no change. I called XXXX, she said it is submitted and she will call me. 
Here is the problem. As the court papers will show I have NO income. The ONLY money I have is my social security. And while I understand freezing someone's bank account through a court order is legal, withholding social security is not. It is a federally protected program. The bank knows this, the court recognizes it, yet I am unable to access the only income I have in the world. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is all happening to me because the bank will not release my federally protected funds. My constitutional rights have been violated since XX/XX/2022, when the social security funds hit my account and the bank withheld the funds from me. 
This needs to go to federal court to stop the banks from doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In the morning of XXXX, I received XXXX emails from Bank of America. 

The first stated I applied for a Advantage Safebalance checking account and was being processed XXXX, the account was approved with the account number listed. 

Lastly, online and mobile banking was approved and set up. 

I did not apply or open this account. It was fraudulently opened in my name. 

I contacted the Bank of America XXXX department whom immediately closed this account, put a flag out and fraudulent alert.

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 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a victim of XXXX of the worst wire transfer frauds involving Wells Fargo and allowing fraud accounts to be set up in XXXX California XXXX banks where my money went and ultimately sent to XXXX Criminal Call Center location scams I believe. Over XXXX of them were just busted. The story is unbelievable and multi-layered with imposters from XXXX and higher authority Wells Fargo impersonators. Wells Fargo did nothing to protect me as this took place over XXXX weeks when I was being sent to my banks to do things to supposedly protect myself, yet no one at XXXX different Wells Fargo locations questioned me. Over XXXX figures are gone and FBI and local detectives are also on the case, as it's part of a ring I was told. I am on a mission to bring this to light so that banks have to take responsibility and change the way they do things when someone comes in to wire or money is wired. This is a worldwide epidemic. There are recent articles about the XXXX call centers and on XXXX being involved in other types of Frauds as well. XX/XX/XXXX started with fraudster until XX/XX/XXXX when in all imploded. Wells Fargo was informed once I found out about the scam and that he was not with Wells Fargo on XX/XX/XXXX and claims were filed and XXXX after a few contacts with me did nothing and closed the case. I have all the wire transfer documents and letter from XXXX closing my case which I can send over. I attached the most recent letter they sent by wire paperwork has confidential info I can cross out and attach.

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 2022-12-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a letter correcting personal information and also disputing errors with the following accounts. NOTHING WAS DONE THEY DIDN'T EVEN INFORM ME THAT THESE WERE BEING DISPUTED WHICH IS ANOTHER VIOLATON They are violating the following Consumer Rights Laws : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission. 
15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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. 

Accounts : 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 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