vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX {$2500.00} XXXX XXXXXXXX XX/XX/XXXX {$1700.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-05-31 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) account # 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 a account without my written instructions

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 2023-05-31 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I enrolled in the online banking succesfully, but when I go into I cant see my checking account. Is like my account wasnt linked to my profile. 
My user id is XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XXXXXXXX XXXX  at Bank of America I was allowed to transfer at a teller counter {$160000.00} in 5 separate transactions into another Bank of America customers XXXX XXXX XXXX XXXX account that the bank was already watching and was suspecting fraudulent activities ... Bank of America shortly after that suddenly closed XXXX XXXX accounts and band him from being a customer. 

This man stole {$160000.00} from me in an illegal ponzi type scheme and the bank knew full well that this account was suspicious and they should have never allowed me to transfer this money due to the fact they were already watching it for fraud/illegal activity.

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 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove these inquires from my credit report as they do not belong to me. I've included an identity theft report as well. 

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 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
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Today XX/XX/2023, I received a random text message saying welcome to Chase Mortgage as of XX/XX/XXXX we will be the new mortgage service provider for your account which was held with XXXX XXXX. It is my understanding that I am to receive a 15 day notice from the new mortgage servicing company and a 15 day notice from my current mortgage servicing company regarding the sale of my mortgage. I have received nothing from either company and supposedly the transfer takes place tomorrow. I have no information on new account numbers, how to access mortgage information, how to pay mortgage, status of escrow account et cetera. I do not know if the text message is a scam as I have received nothing official.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Consumer Financial Protection Bureau Attention : [ Complaints Division ] XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint against Ally Financial for Misleading Account and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint against Ally Financial regarding a misleading account and to request an investigation into their practices. I have been contacted by Ally Financial, who alleges that I owe an outstanding balance. However, I believe that their claim is inaccurate and misleading. 

I have repeatedly requested Ally Financial to provide proof of the alleged debt, including payment history and any other relevant documentation supporting their claim. However, to date, they have failed to provide me with the requested evidence.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citibank XXXX XXXX XXXX XXXX. On XX/XX/2023, I made a {$13000.00} payment to the balance of the card. On XX/XX/2023, a regularly scheduled payment of {$990.00} was made. BOTH payments cleared my bank the day following each individual payment. On XX/XX/2023, I received a statement stating I had a balance and AVAILABLE credit of {$15000.00}. Today, XX/XX/2023, I attempted to use my card for a {$290.00} purchase. This is purchase obviously well below my available balance. The card was declined. As a result, I called Citi and was given bogus, vague excuses. I was told by two Citi employees that sometimes they just choose to put a hold on a payment. Criteria varies. I was told the payment may have been too big or that I made more than one payment. Yes, i did both. So, to be clear the reason for a hold on my card was my payment was too big and I made two of them in the same month?? Was I paying too much too fast? The second rep said she can call the bank where I keep my checking acct bank to see if the two-week-old payments had cleared my bank, but since it's after XXXX she will have to call tomorrow. One challenge, I want access to the available credit balance today! This is insanity. I was never notified in any way, shape or form that Citi would place a hold on a payment. This defies all logic. Citi has had the money I paid them timely before my due date with plenty of opportunity to verify the cleared payments and for me to receive an email statement for XXXX month reflecting said payments. What's pathetic is Citi knows they received the funds. They acknowledge such in the statement. Shutting down a card is what should happen when a customer does not pay their bills on time and does not make payments larger than the minimum requirement. 

A bonus for the whole endeavor I had to ask the first rep to quit eating his salad while talking on the phone.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
An unknown person opened a credit card under my name with the company Capital One. This was not me who signed up for this card. They spent over the limit on the card. It was opened in XXXX and I figured it out by looking at my credit report with a new inquiry. This significantly dropped my credit score. I called capital one and theyre opening an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: HI

Complaint narrative:
XX/XX/XXXX I purchased XXXX XXXX prepaid visa card {$500.00} from a local grocery store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried multiple time to check the balance on the website but it keep saying the info I entered was invalid. I called the customer service and they told me that my account was locked by using the search engine. They were going to issue me a replacement. Before I hung up the phone, I confirmed with the customer service my balance was still {$500.00}. 

Since that, I've never gotten any chance to use the amount. After 7-10 business days, I received a new card but the balance appear on the card was only {$1.00}. I login to the website and saw my card was stolen and spent multiple transactions on a website, which is not in Hawaii. I called the customer service for the issue and complained about their insecure system. They could not gave me a fast solution, instead of that, they made me wait 90 days to disputed all transactions and finally I got my new card with {$500.00} balance by the end of XXXX. 

Follow the step of the instruction, I need to call XXXX to activate my card, unfortunately the same issue happened as the first time when I purchased the card. They could not verified my information I entered. I called the customer service again to complain about it. It was very frustrating after I wait for more than 90 days but I still could not use my card. They gave me a very suspicious and ridiculous reason that my {$500.00} prepaid card has {$900.00} in balance. So they have to investigated again this issue. They gave me another case number and email address to contact with, and they will response in 3 days. Very disappointed I never received the email response since I sent it on XX/XX/XXXX. 

I called the customer service again on XX/XX/XXXX, they just told me the same thing that my balance has {$900.00}, they need to send it to a special team to investigate. after a few days I called back to follow up but the agent told me she didn't know about it and they tried to buck passing. I still didn't get any update from them till now and I don't think I can get my {$500.00} back just by calling them. None of the agent can solve the problem. I feel this company intends to hold lots of purchasers ' money sneakily. There are also tons of complains and reviews from other purchasers who have the same issue as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: GA

Complaint narrative:
On XXXX  XXXX alerted me via email that an a change occurred to my credit report. When I checked, I saw a collections agency on my account and they filed a derogatory remark on my account saying I was delinquent. This company was Credit Services Intl. I contacted them today via phone to discuss this issue. They started it is due to an unpaid bill from XXXX XXXX XXXX XXXX. I informed the representative that I never received a bill from XXXX XXXX nor have I received a notice from Credit Services Intl. How can I pay a debt I wasn't notified of? Then I contacted XXXX XXXX via email and they said that there's nothing they can do as they didn't started the collection agency process ; the physicians group did. I tried to contact the XXXX XXXX XXXX XXXX physician group about the collections and my missing bill ; I can not get anyone on the phone. No one is giving me a straight answer and now my XXXX score had dropped XXXX points due to other people not communicating efficiently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/2023 at XXXX {$7000.00} was transferred from my cash app to what I thought was my debit card, the ONLY bank I thought was linked but some how 2 hours before the money went through a XXXX bank account was linked to my cash app without my knowledge and cash app refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 i call CAPITAL ONE customer service to report 6 transactions unauthorized on my account. Because I lost my hand bag on XX/XX/2023 including my phone and my debit card of CAPITAL ONE. 
I lost {$720.00} in my debit card. 
After that day, I can't login to access my account anymore, CAPITAL ONE still keep the same phone number to login ... .so at that way theft can access to my account easy than steal money from my account again and again..until. XX/XX/2023, I try so hard to talk to customer service to report I CAN NOT ACCESS TO MY ACCOUNT.. THEFT have alot of time access to my account steal my money. 
I lost {$720.00} in my checking account, even though i provides all documents proof this is FRAUD TRANSACTIONS because fraud happened at XXXX XXXX ( I never have relationships with that bank ) I provides identity theft reports to FEDERAL TRADE COMMISSION including POLICE REPORT. 
In the law, I under protection i not be responsible for charges i did not authorized. CFPB please help me to resolve this issue with CAPITAL ONE. BECAUSE, I CAN'T RESPONSIBLE for charges I didn't make!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for a credit card thru Capital One solely for the purpose of utilizing the advertised Virtual Credit Card features. This feature allows you to create a pseudo card number to protect your privacy by not revealing your actual card number when making purchases online. I was told by several employees before signing up that this feature would be available to me right away once I received the card. The website that advertised this card also says this feature comes with the card. When I finally received the card ( after a long long wait ), this feature was not available to me. I called customer service and they said this feature isnt available immediately, and can take anywhere from 1 week to 90 days to start working. Theres no controlling this they said, and it will randomly just become available so theres no telling how long you will have to wait for the feature to become available. I think possibly the main issue ( I figured this out on my own ) is the feature uses 2 factor authentication when signing up for the feature. It has you enter in your phone number and it uses your carrier to verify your identity. When I try to do this it says the system can not verify my identity, even though my name thru my carrier matches the name on my account perfectly. I called 3-4 times, no one was able to help me, even after speaking with tech support and several managers. I asked to be contacted by the managers manager, and they said this was not available to me. No one offered to help in any way, and I still do not have the advertised feature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Alliant Capital Management LLC
State: CA

Complaint narrative:
Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
I have contacted Experian about several accounts including Ally Financial XXXX, MoneyLion XXXX, and XXXX XXXX XXXX XXXX. 

I submitted a dispute for the following report accounts above. Ally has listed my reporting as late for XXXX when there are no late payments for this account this year. I spoke with an associate for XXXX who said they would remove the account because of a mistake on their end and this is still being reported. I also asked that the XXXX XXXX XXXX be fully investigated and that the documents be sent to me with the original contract from this company. If they could not provide that XXXX XXXX XXXX needed to be deleted off of my account. Experian has failed to due an accurate investigation and is still allowing these companies to report inaccurate information on my credit report. According to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within XXXX  days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

My next step is filing a complaint with the attorney general 's office of Texas. This continues to be an issue and it's against the law what Experian is doing.

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 2023-05-31 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: NY

Complaint narrative:
I sent a letter out on XXXX XXXX  to XXXX, Transunion, and XXXX. 

Here are the following tracking numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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