vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There seems to be an error on my consumer report furnished by ( XXXX ). On my consumer report, there are late payments reported which is causing damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( XXXX ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020, Pennsylvania ordered an eviction and foreclosure moratorium. Per the order, any XXXX XXXX notice sent after XX/XX/2020 would be considered as sent on XX/XX/2020 after the order expired on XX/XX/2020. For reference, please visit : https : XXXX % XXXX % XXXX % XXXX Borrowers were sent an XXXX XXXX notice on XX/XX/2020. Therefore, that notice should have been deemed to be sent on XX/XX/2020 and borrowers should have had XXXX  days to consult with an approved XXXX Credit Counseling service. Instead, however XXXX filed a XXXX XXXX XXXX XXXX. 2020 XXXX XXXX XXXX on XX/XX/2020. That premature and unlawful foreclosure action caused the following : - Borrowers were negotiating their Loan Modification after the Foreclosure was filed, and were already in a position of severe disadvantage in negotiating a fair modification because the date for Borrowers to answer the Foreclosure complaint was quickly approaching and Borrowers did not want the legal proceedings to continue. 
- Borrowers were left with little choice but to agree with the XXXX viable option presented to them for Modification which included a payment that was nearly {$1000.00} more than their original payments had been. 
- Borrowers were assessed a significant amount of fees related to the Foreclosure action which should never have been assessed because of the premature and unlawful Foreclosure filing.

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 2022-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I have had a horrendous experience with Ally. On XX/XX/2022 around XXXX XXXX, I tried to log in to the mobile app. First I entered my account credentials then I reached a screen that indicated that I was logging in from a device that was " unfamiliar '' to Ally 's app ( which was not the case, I had logged in to this device several times before this date but receiving this 'error ' message was likely some sort of internal error ). 

So I attempt to use their text relay system to receive a security code to enter to their app ( XXXX ). I don't receive any code so I 'optin ' to their text relay system ( phone number XXXX ) in the off chance that I had previously opted out for some reason. I get an answer from their text relay system that " my input was not understood '' when I'm very sure that I inserted all of the required information correctly. I leave this alone for a few hours and try again later. Now their text relay system is running again because I do receive a code when I request one because I still got the " unfamiliar device '' screen. But before I can insert the security code I am locked out of my account and now have to call customer service to get my account unlocked. I try, via the mobile app, to reset my password. I get to a screen where I am told to enter my username and social security number. I insert these two pieces of data but the app just sends me back to the login screen with no messages or anything to indicate my message was positively or negatively received. 

When I call the customer service line at around XXXX XXXX ( because I'm out of options at this point ), I am greeted with a message that says my wait time is estimated to be " less than 35 minutes ''. All of this for an issue that could have been avoided at several points before now ( getting some sort of message that the text relay system wasn't working, the 'reset password ' link in the mobile app functioning )

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 2022-08-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX, XXXX in my late XXXX, and trying to fix this has felt like mission impossible. 

XXXX XXXX XXXX, a debt buyer, and the XXXX XXXX XXXX XXXX have been the most difficult task I have ever encountered. 

XXXX desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX XXXX XXXXXXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's XXXX XXXX. 

For XXXX months I have tried to have this debt either validated or deleted and Ive achieved neither. 


I mailed XXXX letters via XXXX XXXX AND RETURN RECEIPT to XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I mailed XXXX, XXXX AND TRANSUNION a letter stating my intent to sue. 

I hope that there is resolution between XXXX and I. 

Enclosed is documentation supporting my request : the letters mailed over the last 26 months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via XXXX XXXX RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from XXXX did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX NOTICE WRITTEN & MAILED VIA XXXX WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX XXXX MORE SHOT AT RESOLUTION WITH CFPB

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 2022-08-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX, XXXX in my late XXXX, and trying to fix this has felt like mission impossible. 

XXXX XXXX XXXX, a debt buyer, and the XXXX XXXX XXXX XXXX have been the most difficult task I have ever encountered. 

XXXX desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX XXXX  XXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's XXXX XXXX. 

For XXXX months I have tried to have this debt either validated or deleted and Ive achieved neither. 


I mailed XXXX letters via USPS CERTIFIED AND RETURN RECEIPT to XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I mailed Experian, XXXX AND XXXX a letter stating my intent to sue. 

I hope that there is resolution between XXXX and I. 

Enclosed is documentation supporting my request : the letters mailed over the last 26 months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via USPS CERTIFIED RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from XXXX did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX NOTICE WRITTEN & MAILED VIA USPS WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX XXXX MORE SHOT AT RESOLUTION WITH CFPB

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 2022-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
I am XXXX. On XX/XX/XXXX my government SSI benefits became available. I live in XXXX, CA and my card was fradulently used in XXXX XXXX, about XXXX miles away at XXXX XXXX. ( cst ). 

I received 2 email alerts from DirectExpress regarding these transactions ... Automated Fraud Alert and Suspicious Activity Alert. 

One transaction for {$200.00} was successful and another for {$500.00} was declined. Both were performed at the same merchant location and on the same day, XX/XX/XXXX. I contacted DirectExpress and informed them of the fraud and confirmed I had not made these transactions. I was told my card would be reissued and that I had to submit a form in order to receive credit for the money taken from my account. 

I received an email response today regarding my complaint from DirectExpress that no fradulent activity was found, I will not receive the {$200.00} credit, and the case is closed. I have been waiting for a replacement card since XX/XX/XXXX and have not paid rent or bills, I have no money to buy food or other necessities. Their response is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called at the beginning of XXXX and spoke with a representative who guaranteed me that if I made a payment in full they would cut my payment in half for the six months following. I made the payment in full on XX/XX/XXXX, a couple days after my conversation with Capital One Auto Finance. When my account was billed for the next month, the program had not been applied to my account. I called and talked to a representative in XXXX, and she said my claim wasn't possible. I asked for a supervisor call back, which didn't happen. I called back in XXXX and requested again a supervisor call back. I called back a second time in XXXX and was told it had been assigned to a supervisor that I should hang tight. I spoke with a supervisor on XX/XX/XXXX, who I asked to listen to the call from the start of XXXX and to confirm I was guaranteed by that program that would lesson my payments by half for 6 months. She called me back on XX/XX/XXXX, confirmed that the representative had guaranteed me that program, but that Capital One Auto Fianance was not going to honor that guarantee. She told me she was calling me from the Office of the President, and that there was no one above her. She declared that she would not provide me any documentation in writing, which I asked to include a confirmation that they guaranteed me a program they were no longer willing to offer even though I met the stipulation, which was to make one full payment. She said it is against their policy to provide anything in writing and the only way I could access the previous call was to get a lawyer and a subpoena. The supervisor said she would discuss my " options '' with their lawyers and leadership staff, but the guarantee I was given would not be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, Im in my late XXXX, and trying to reach out to this debt buyer and the three Credit Reporting Agencies has been the most difficult task I have ever encountered.

Im desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX  Acct XXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's Furnisher Rule. 

The FTC enforces the rule, and has guidance about responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information they provide. 

For 26 months I have tried to have this debt either validated or deleted and Ive achieved neither. 

When NATIONAL CREDIT ADJUSTERS, a debt buyer, bought the bad debt they wanted the full {$2600.00} paid by me no matter what I said to them. 

I mailed 4 letters via USPS CERTIFIED AND RETURN RECEIPT to NCA from XX/XX/XXXX to XX/XX/XXXX. 

For 26 months I asked them to either validate the debt or delete it from my files. 

They ignored me and the debt remains on all 3 credit reports. 


XX/XX/XXXX I mailed XXXX, XXXX AND XXXX a letter stating my intent to sue. 

I hope that there is resolution between NCA and I. 

Ideally, CRAs will now investigate this reported debt, see it is not mine and delete it OR let me know their findings instead of shooting a VERIFIED with no explanation or source. 


Enclosed is documentation supporting my request : the letters mailed over the last 26 months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via USPS CERTIFIED RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from NCA did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to NCA XX/XX/XXXX Letter to NCA XX/XX/XXXX NOTICE WRITTEN & MAILED VIA USPS WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX ONE MORE SHOT AT RESOLUTION WITH CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I left for California, leaving behind my XXXX XXXX debit card. On XX/XX/XXXX I saw that more than {$5000.00} were missing from my account so I called the bank and reported it. My card was still at home while I was away on a business trip. The transactions date back to the XXXX XXXX XXXXXXXX. However the bank denied any errors and I issued a rebuttal. I filed police report # XXXX on XX/XX/XXXX. Most of the money stolen was deposited into my account from XXXX for my tuition. Ever since then the bank hasnt resolved anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America continues to ignore their feduciary responsibility regarding a charge back issue and a fraud claim that was made months ago. Without my benefits being available to me I've XXXX my place to XXXX And continue to struggle waiting for the Ridiculous game of Passion the buck between Bank of America and the XXXX to discontinue. The CFP should recognize the violation of banking rights and sanction Bank of America for violations They are currently being sued for in class actions throughout the US. By displaying the XXXX XXXX Bank of America and itself guarantees the 24 hour release of funds regarding fraud account added accounts and availability those funds to continue the necessary lifestyle the benefits offer Both my credit and personal belongings to been affected and it's my opinion that Bank of America should be sued once again for compensatory damages.

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 monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I have had a consumer report background check made by Sterling. report number XXXX Candidate code : XXXX It shows a XXXX XXXX. Going back the past seven years and I would like to know where they got this information. They had run back. Background of the previous year. I had disputed it with sterling, and they removed it last year. They had removed it from the report. 
I had communicated with XXXX XXXX the report number was XXXX I don't know if they are sending the Companies that order the reports different reports than they send to the candidate. if so, can they give me an answer? 
I would like them to show me how they verify this XXXX XXXX 
They state that their verification method was through name, date of birth, and government ID. 
However, I've tried to search for this information myself at the. 
Courthouse, and they stated that there is nothing that they had given anyone that matched my ID identification. 
They do not provide such information any government identification is redacted from all records. 
So if they are reporting based on government identification, how is this possible? 
That information is redacted and sealed. Are they getting this information from a cached database? And aged data furniture that is. That is providing them with this information. 
Also if someone pays fines and closes a case And do they age re-age? Records and their consumer background checks by the source of when cases are closed or when they are started. 

Also, if a record has been sealed, does sterling report it anyways

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 2022-08-12 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: 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. 

XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C 1681s-2  ( A ) ( XXXX ) 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