vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/2022, I refinanced my home. Included in the refinance was the goal to use equity in our home to pay off credit card debt. 

I have a XXXX with Jet Blue / Barclay Bank, and a check in the amount of {$2200.00} was sent to them on XX/XX/2022. The check was drawn on XXXX XXXX XXXX XXXX Bank XXXX XXXX ), and in the memorandum line was my name and the last XXXX digits of my credit card number. 

On XX/XX/2022, Barclay Bank cashed the check. 

They have not applied the funds to my credit card account. 

I've contacted them on several occasions, most recently on XX/XX/2022 when I faxed them proof of their cashing the check. I included with that fax a cover letter and a copy of my account. 

I've checked my account continuously since XX/XX/XXXX and they have yet to apply my payment to my account. I am continuing to be charged interest AND monthly payments on the " outstanding '' balance. 

I contacted them on XX/XX/2022 to inquire as to what the status is. I was told it can take " several billing cycles '' for the payment to be applied to my account. When I said that was unacceptable and I wanted to speak to a manager, they put me into a holding que where I was waiting XXXX minutes to speak to someone ; I had to hang up as I need to get back to work.

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 2022-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I HAD AN AUTO LOAN WITH ALLY AUTO ON MY XXXX XXXX XXXX XXXX, WHICH I REFINANCED THROUGH XXXX XXXX XXXX IN XX/XX/XXXX. XXXX  PAID OFF MY LOAN ON OR BEFORE XX/XX/XXXX IN FULL, WHICH ALLY CONFIRMED XXXX OFF BEING PAID OFF BY XX/XX/XXXX. ALLY AUTO STILL TOOK THE XXXX WITHDRAWAL FROM MY ACCOUNT OF {$850.00} ON XX/XX/XXXX. I CALLED ALLY ON OR ABOUT XX/XX/XXXX TO NOTIFY THEM OF THE OVERDRAFT ON THEIR PART AND THEY INFORMED ME THAT IT COULD TAKE UP TO 30 DAYS TO REFUND MY {$850.00}. IT IS NOW XX/XX/XXXX AND I DO NOT HAVE MY REFUND. I CALLED TODAY AND ALLY INFORMAED ME IT COULD TAKE UP TO 55 DAYS FOR THEM JUST TO RESEARCH AND APPROVE MY REFUND?????? AND THEN ADDITIONAL TIME TO REFUND THE MONEY. THEY ARE REFUSING TO PAY SIMPLE INTEREST ON THE LOSS OF USE OF MY OWN MONEY WHILE THEY DILLY DALLY REFUNDING MY OWN MONEY WHICH THEY WITHDREW IN ERROR. THEY LIED TO ME DURING MY FIRST XXXX ATTEMPTS AT CONTACT TELLING ME IT WOULD BE 30 DAYS, ONCE THE 30 DAY WINDOW WAS GONE, NOW IT XXXX PLUS DAYS. ALLY HAS RESTRICTED MY ONLINE ACCESS TO MY ACCOUNT AND I CAN NO LONGER OBTAIN MY STATEMENTS OR MY EMAILS TO THEM ABOUT THIS MATTER IN A DUBVIOUS ATTEMPT TO COVER THEIR TRACKS AT CONDUCTING BUSINESS IN BAD FAITH AND DEFRAUDING ME. I HAVE CONFIRMATION EMAILS ONLY SHOWING MY ATTEMPTS OF CONTACT, BUT THEY HAVE WIPED THE MESSAGES FROM MY ACCOUNT. ALLY 'S BUSINESS PRACTICES ARE SUBSTANDARD AND IN BAD FAITH AND ARE CAUSING ME FINANCIAL HARM DURING A TIME WHERE I AM OUT OF WORK DUE TO A MEDICAL CONDITION, FACING RECORD INFLATION, AND STILL HAVE TO MAKE A {$800.00} CAR PAYMENT NEXT WEEK TO ANOTHER CREDIT UNION, BUT MY MONEY IS BEING HELD CAPTIVE BY ALLY BANK. IF I DID NOT PAY MY LOAN ON TIME, ALLY WOULD CHARGE ME A LATE FEE, SO WHY AM I NOT ENTITLED TO INTEREST IN RETURN. I DEMAND THEY PAY 12 % MONTHLY INTEREST ON MY LOSS OF USE OF MONEY, WHICH IS THE STANDARD ITEREST RATE IN ANY LITIGATED MATTER, WHICH THIS WILL SOON BE IF ALLY DOES NOT GET THEIR ACT TOGETHER.

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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not made any kind of arrangement with any of these companies. 
Please remove them from my credit report. Also, they have wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My American Express serve card was used at an ATM to withdrawl {$500.00} with out my consent another charge of {$0.00} ATM declined fee was charged as someone attempted to withdrawl more funds on XX/XX/2022 at XXXX am I called American Express at XXXX when I realized someone used and attempted to withdrawl money. They sent me a declaration of fraud form I submitted this on XX/XX/2022. On XX/XX/2022 American Express sent an email saying that my dispute was declined. 
This is not correct and I believe that American Express stole my money as my card is still in my possession and I wasnt in the area of this ATM when it was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
I have no idea what it is and why its on your report and I want proof of who they are not some random bill that can be from anywhere due to fraud, I never received anything from the company or who they are and For resolution remove this fraudulent company off 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 2022-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to XXXX XXXX  and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802!

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from XXXX and Experian I have also contacted all parties, my next step is litigation

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 2022-06-06 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: IL

Complaint narrative:
I have no idea what it is and why its on your report and I want proof of who they are not some random bill that can be from anywhere due to fraud, I never received anything from the company or who they are and For resolution remove this fraudulent company off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no idea what it is and why its on your report and I want proof of who they are not some random bill that can be from anywhere due to fraud, I never received anything from the company or who they are and For resolution remove this fraudulent company off 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 2022-06-06 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: NC

Complaint narrative:
Payments for my leased XXXX were mailed, received and debited for 9 months at XXXX XXXX XXXX. I was notified to start making payments out to XXXX XXXX XXXX in XXXX of 2021. In XXXX of 2021 XXXX received my payment stamped the check for deposit and then cancelled the endorsement and returned the check. I subsequently made an payment over the phone direct from my checking account. I have since received letters from XXXX apologizing for the error and removing the late fees. When I found out recently that there are XXXX 30 day late payments on my credit report they did an internal review and decided that XXXX did nothing wrong. I have a copy of the check they received, endorsed for deposit and then cancelled. I have spent numerous hours on the phone with these people without any acceptable answers.

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 2022-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
In XXXX our monthly payment for our mortgage was processed like normal. That was until loancare sent a letter stating the payment was never recieved and that we've defaulted on our home loan. I've reached out countless times to try and figure out what happened. They've told us at least 15 different things. We were told if we send in bank statements that it would resolve the issue. We did that. They changed their minds and said that would no longer suffice and to send in a bank transmittal report so they could track where the payment went. We did that. A cashier with loancare decided that payment was never recieved. Our bank has told us numerous time that the money wad taken out of my fiances account and it was never sent back like loancare claims it was. Loancare claims that there were insufficient funds and the bank was sent the payment back. XXXX XXXX  denies this and said no money was ever returned to his account. We've tried countless times to get loancare and XXXX XXXX  to give us a solution. This is all happening while we're being told that we risk losing out house to foreclosure, our credit scores are rapidly declining, and this caused emense stress for my family. We get XXXX letters a week but not XXXX documented callback for case managers, supervisors etc. I need help and we've consulted with a lawyer and he has said this complaint is the last resort before filing legal claims against loancare.

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 2022-06-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX Account Number XXXX. Inquires as follows XXXX XXXX and 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX  Account Number XXXX. Inquires as follows XXXX XXXX and 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 explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
We did a loan modification in XXXX. Selene finance told us we had to give the notary a cashier 's check to send in with our signed paperwork, which we did. We were told this was for the XXXX payment. 

We were so excited! 

We made our XXXX payment in two parts ( ahead of the due date ) and made sure to ask them if we could do this. They said it would be fine and the partial payments would be applied to the amount due for our XXXX payment. 

We tried to make our XXXX payment and they are saying we are behind because the XXXX payments were not properly applied to our account. 

Not our fault as we verified all of this. 

Now they are trying to state they never received the cashier 's check for the XXXX payment, which we have proof of it being deposited to THEIR ACCOUNT. 

They are trying to make us late on our payments when we have not been and will not be. We have worked tirelessly to resolve what COVID did to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TX

Complaint narrative:
So I sent a letter off on XX/XX/2021 Here is my tracking number # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people.

These are clear violations of my federally protected 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 non-monetary relief
Consumer complaint received 2022-06-06 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: P&B Capital Group, LLC
State: MD

Complaint narrative:
I have been repeatedly called by P & B Capital Group ( XXXX ) regarding debt for XXXX XXXX, NOT MY DEBT. 
Multiple family members have also been called regarding XXXX XXXX. None of us are XXXX XXXX. 
He is my nephew and does not live with me or any of my family members that this agency is contacting. 
I have told this company and others that I am not XXXX XXXX nor does XXXX XXXX live with me. 
This particular company told me that XXXX XXXX listed myself, my XXXX sons and my XXXX daughter-in-law as contacts ... absolutely NOT TRUE ... I can guarantee that that was not done as I spoke with my family about this issue and was assured that none of us were listed as contacts. 
This particular company is lying..all one has to do is XXXX someone's name and it will listed " contacts '' ... they are not getting our phone numbers from the debtor directly. And all of our numbers are on the do not call list..they get around that by simply XXXX  the names of the debtors and targeting family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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:
In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX 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 2022-06-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 explanation
Consumer complaint received 2022-06-06 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: CCB Credit Serivces, Inc
State: NJ

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NC

Complaint narrative:
My identity was stolen. In XXXX of 2022, I filed a complaint with Federal Trade Commission and filed a police report and sent them all 3 major credit bureaus : XXXX, XXXX, and Equifax. It's been over 90 days and nothing has changed on my credit report. They've essentially ignored my complaint, even after sending them all the documents they required to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I reached out to PRofessional debt and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802! 

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from XXXX and XXXX I have also contacted all parties, my next step is litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: FL

Complaint narrative:
I reached out to XXXX XXXX  and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802! 

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from Equifax and XXXX I have also contacted all parties, my next step is litigation

Company response to consumer: Closed with explanation