vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To whom this may concern, I have called the ALLY FINANCIAL INC. AUTO Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for ALLY Financial Inc. XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!

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 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amscot Corporation
State: FL

Complaint narrative:
I have told this company on a recorded line to stop calling my phone day and night. This is against FDCPA and FCCPA. Please see recording of them calling and me calling them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act US BKPT CT XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, U.S. Bankruptcy Court # 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 explanation
Consumer complaint received 2022-07-14 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: TX

Complaint narrative:
I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my XXXX  child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL Transunion stated to contact the fraud dept they couldnt help me Ive uploaded Transunion 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 explanation
Consumer complaint received 2022-07-14 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: PA

Complaint narrative:
I sent a letter via certified usps mail to Transunion in XX/XX/2022 asking that they remove inquiries that I did not authorize and to do the same for account they are reporting. Transunion responded by saying that I am using a credit repair agency and they have NOT done anything on my report. I did NOT use a credit repair agency and I am insulted that they think that I'm not smart enough to write my own letter. I also called transunion they kept hanging the phone up on me. 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. I DID NOT GIVE ANYONE 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. I HAVE NOT COMMITTED A CRIME15 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. They are INACCURATE! My right has clearly been violated! 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX *XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct # XXXX XXXX XXXXt Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # 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 2022-07-14 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: NJ

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXXXXXX with older son to open XXXX to XXXX XXXX statement from TD BankXXXX The amount on this credit card was over {$4000.00}. I knew this was trouble because I did not make those charges. I went to a branch of TDBank the very next day to dispute these charges, XXXX XXXX I called Customer service on back of credit card. No results that day. XXXX XXXX called customer service again. Nice woman wenr through charges with me XXXX by XXXX. Told me it was fraud and switched me to Fraud. A woman from Fraud quickly looked at charges and said she had to switch to Dispute I waited for a reply but nothing. I kept on paying monthly payments because XXXX was my total. Adding Fraud {$2700.00} to account. 
TDBank kept sending new cards. My original card # XXXX, new caes # XXXX, another card I never received # XXXX People were still charging in XXXX. In the coming months no action from bank was taken. I went to another branch where the branch manager tried to help. TDBank gave me credit for XXXX charges but never considered original fraud. Called customer service they simply won '' t aswer. This is affecting my well being

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: IL

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 2022-07-14 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: IL

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Alum Financial, LLC
State: OR

Complaint narrative:
Alum Financial scams people with student loans by representing they provide services that will result in either loan forgiveness or forbearance. I have a loan with XXXX that was suspended during the Covid pandemic. Somehow Alum Financial started charging me a monthly without my knowledge. The company either fraudulently obtained my loan information or misrepresented who they were. In no case did I hire them knowing who they were or what they did. The company was the subject of federal class action suit for these practices. I plan to participate in the class action suit or undertake a small claims court case here in Oregon. The company scammed me out of {$1300.00} over a 9 month period. All one has to do is XXXX their name to find numerous complaints similar to mine. I found no one who believed this company acted in good faith. My XXXX is in XXXX XXXX and I can attest to the fact that this company exists for the sole purpose of preying on students with loans they either can't afford to pay or simply want financial relief. In my case the company did not pay XXXX cent toward my loan and did absolutely nothing to earn the money they extracted from me. - XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-07-14 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: FL

Complaint narrative:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: NV

Complaint narrative:
Ive submit multiple documents as they requested to have public records removed. The documents was issued to me via the court house. I asked for them to removed the records or block them. they refuse to saying that they couldn't because the dispute came back accurate. so I can them to provide proof that it was accurate they refuse. I also asked them what was the third party source that they use since they use to use XXXX XXXX but the refuse to give me the name.

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
XX/XX/2022 : I mailed PMI removal request form with payment cheque to PHH Mortgage Services LLC. Th request form includes list of home improvements I made XX/XX/2022 : The cheque was cashed XX/XX/2022 : I called PHH for followup. No progress was made XX/XX/2022 : I called PHH for followup. PHH sent me an email asking for list of home improvements ( which I included in the request form I mailed ). I responded the same date. 
XX/XX/2022 : PHH sent me an email asking for cost of home improvements I made. I responded the same date. 
XX/XX/2022 : PHH sent me an email asking for dates of home improvements I made. I responded the same date. 
XX/XX/2022 : PHH told me my request is under review by PMI removal team XX/XX/2022 : I called PHH for followup. No progress was made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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:
I did not give written consent to my private information on my credit report. My rights pursuant 15 USC 1681b has been violated as a federally protected consumer. See attached document with details of inquiries for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
complain wellsfargo accuse me of eldery financial abuse and that is affectin me my well being since i do not do that my granparents receive there money whenni withdraw it and if i use there checking account they gave me permission if for example i have a bill to pay i have the money cash i give it to my grandfather and he authorize me to use the funds never without there permission we had a problem when i didnt remember some withdraws made and they told me to make. fraud claim andnorder them new debit card now its XXXX me my XXXX being because i never been accused of that and its bringing me XXXX XXXX. my grandparent will be going to the bank and are speaking to the social service case worker im in processnof loooling for a lawyer to sue for XXXX XXXX this cause 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 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
Went to a Florida hospital while at XXXX XXXX in XXXX of 2016. After giving the receptionist our insurance card and information, we were told there wasnt a medical doctor there for us to see. So we told the receptionist that because there wasnt a doctor there, we were going to find another hospital to go to and left. They filed on my insurance anyway. My insurance paid them and the other hospital even though I was never seen by anyone at that hospital. They were trying to collect the non emergency copay of {$75.00} from me. I contacted the Hospital at the time I received a bill and was told that even though I hadnt seen anyone and had left before seeing anyone, I had given them a XXXX sample and that just by walking through the door they had the right to bill my insurance and demand my copay. We agreed to disagree. At any rate that was that was over 6 years ago. The statue of limitations for Texas is 4 years ( which is where I live ) and the statue of limitations for Florida is 5 years. Meanwhile, the debt keeps getting sold over and over to new debt collection agencies who try to tell me the clock starts over and continue to contact me regarding the bogus debt. It is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/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 explanation
Consumer complaint received 2022-07-14 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: KS

Complaint narrative:
I began my process of applying for a mortgage on XX/XX/XXXX with XXXX/Better. I talked to their associate XXXX XXXX through the whole preapproval process and after pulling my credit report, they confirmed that I was preapproved for {$300000.00} and I could make an offer on a house. 

Fast forward to XX/XX/XXXX when my offer to buy a house was accepted at {$290000.00} and confirmed between the seller 's agent and XXXX. Throughout the process of requesting my financial records, I was denied the loan due to my income not being enough. This came as a surprise for me because XXXX and I had talked about what income was before the preapproval even happened. I even had a loan disclosure written up and a sales contract of how much I would pay every month. 

After going back and forth, they could not give me an adequate reason why I was given a preapproval and then rejected later when I was 100 % honest about every figure I gave them. I went to a local lender and she told me straight up that XXXX/Better should never have given me that preapproval letter at all because no matter how she " fudged '' the numbers, I could not be approved for a loan that size.I have attached the contract and the conversation between me and XXXX/Better as well for review. 

I am now in danger of losing a 1 % earnest deposit of {$3000.00} and the appraisal fee of {$550.00} because I will have to back out of the sale. I believe that XXXX/Better did not do their due diligence in this case and owes me for the money that I lose.

Company response to consumer: Closed with explanation