vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
This involves all my Ally accounts not just my savings account. " All accounts '' was not an option. 

When I log in online to my Ally accounts, it asks me if I want the login code sent to my email address or to my phone. Somebody is trying to open accounts in my name, and filed a fake income tax return in my name, and I don't doubt that they will try to hack my email. 

I have changed my password, but that's not enough. 

I have repeatedly asked Ally to remove the option of sending the login code to my email address, since somebody can hack my email. Sending the login code to my phone is much safer, and I always choose that option. 

Ally ignored my request and simply told me to change my password. Which I have already done. 

However, sending the login code to my email address should NOT even be an option. The way Ally has it set up now, somebody can simply hack my email and have the login code sent to my email. Again, this should NOT be an option.

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 2022-04-12 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Each dispute I requested original application agreement on several attempts no documents have been provided and based on Fair Credit Report it should be completely removed from credit report it original agreement can not be provided. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
During my consumer credit transaction at the dealership. The said dealer who represent Honda financial services as the creditor violated the XXXX XXXX XXXX Truth lending act. That same creditor in return charge me the consumer a CASH transaction of {$2000.00}, While the said creditor did NOT to show In clarity a Truth in lending Disclosure which consist of all interest, fees, and insurance premiums, transaction. 
The creditor supported a contract charging me the consumer other additional fees, dealer fees, document fees, and I the consumer pays insurance each month which should be in the consumer finance charge. 

The contract Furnished by the Creditor to the consumer pertains several unreadable and clarity in the the consumer credit transaction. 

multiple violations listed have been brought to the creditor to be resolved which the said creditor refused to solve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Special Financing Company, LLC
State: MD

Complaint narrative:
Something tan my report without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Great American Finance Co
State: MT

Complaint narrative:
In XX/XX/2022, a credit card/line of credit was opened in my name through an XXXX XXXX XXXX XXXX Maryland. The financial institution is Great American Finance XXXX XXXX XXXX. The amount spent was {$1600.00} and it has a {$3000.00} credit limit. 

On Thursday, XX/XX/2022, I received a bill from Great American Finance XXXX XXXX XXXX with a minimum balance to be paid of {$150.00} ( {$79.00} current and {$79.00} past due ) by XX/XX/2022. This was not me! 

I spoke to Great American Finance XXXX XXXX XXXX this morning, XX/XX/2022 and they told me to file a Fraud Report with the FTC, a police report, which I just did with the XXXX Police Department in Montana, and provide them with my ID and verification of my address. 

Could you please look into this? I am nervous because it was opened with my social security number and other identifying information and I'm worried other debt has or will be opened in my name. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: IL

Complaint narrative:
I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, XXXX and Equifax are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XX/XX/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 XXXXhas violated my rights. 

Inquires XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2022-04-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXhas violated my rights. 

InqXXXX 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  XX/XX/XXXX 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 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
My home was damaged during Hurricane IDA. I begin repairing my home before receiving any thing from the insurance company using my personal savings and a SBA loan. I have {$90000.00} from my insurance company sitting in escrow with Flagstar Bank. They are non communicative. They are non responsive and they are making a bad situation worst. My house is 75 % completed and they wont send an inspector. They have been more disrespectful than Hurricane IDa. There is never a supervisor to speak with. I was disconnected 3 times today and no one attempted to call me back

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I need Arbitration or a Judge to resolve the following situation : On XX/XX/XXXX, I purchased a XXXX XXXX totaling {$4200.00}. XXXX XXXX  and XXXX was authorized to pay {$180.00} for 24 months. 
From XXXX, XXXX until XXXX, XXXX, this account was setup for automatic repayment by XXXX. 
During this period, XXXX bank paid XXXX each month, sometimes twice a month to Comenity bank. 
In early XXXX, I kept getting bills from Comenity Bank and one final payment was required by XXXX. 
In other words, as of XX/XX/XXXX, a balance of {$140.00} remained for complete debt repayment. 
Since XXXX was changing name to XXXX between XXXX an XXXX, XXXX, I assumed XXXX was responsible for the final payment. 
While trying to resolve the last payment, I found that Comenity never requested a {$180.00} payment in XX/XX/XXXX. 
Furthermore, because of late fees and a XX/XX/XXXX bill, Comenity charged me over {$1500.00} for Finance and Other charges. 
I never anticipated any late payments by XXXX. 
On XX/XX/XXXX during a three-way call with Comenity, XXXX and myself, I authorized another payment of {$350.00} per Comenity 's request.

Currently, after many phone calls and letters, neither bank claims responsibility for late fees.

Comenity keeps sending bills and my credit rating has gone from Excellent to XXXX XXXX XXXX XXXX XXXX, I can not afford these charges I need some explanation or help with this situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has notified the consumer XXXX XXXX 12 CFR 1006.2 ( e ) on XX/XX/2022, at XXXX XXXX  with a message through email about the consumer account card ending in XXXX. Capital One stated this is an attempt to collect a ( consumer ) debt ( claim ). Any information obtained will be used for that purpose. Authority 12 CFR 1006.1 ( a ) explains the authority, and 12 CFR 1006.1 ( b ) the purpose of the FDCPA and how the act protects consumers and explains unfair practices organizations use to deceive consumers. 12 CFR 1006.6 ( b ) ( 1 ) speaks about how Capital One can not communicate with the consumer about any debt. 12 CFR 1006 ( b ) ( 1 ) ( i ) Capital One contacted the consumer at XXXX XXXX. which is a direct violation of the FDCPA. Capital One has abused, harass, and oppress the consumer 12 CFR 1006.14 ( a ) by sending threatening emails attempting to collect a debt. Capital One has closed the consumer account which is false and misleading information 12 CFR 1006.18 ( b ) ( 1 ) ( V ) ( A ) which is a direct violation of the FDCPA. Capital One has sent the consumer a balance of {$5100.00} with a minimum of {$700.00} which is false and deceptive 12 CFR 1006.18 ( b ) ( 2 ) according to the FDCPA. Capital One has put a restriction on the consumer account for nonpayment according to 12 CFR 1006.18 ( b ) ( 3 ). Capital One cited 15 U.S.C 1692 a ( 6 ) ( B ) and ( F ) and stated they were not a debt collector committing fraud according to 12 CFR 1006.30 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime continued to remain out of compliance with each denial to my dispute. It is clear in which through out the documentation and paper trail ( emails ), that both Chime and I hold, it clearly shows them breaking law, rules and regulation. Chime violated the Electronic Funds Transfer Act, as it pertains to how they handled and replied to my disputes. The company shut down all of my accounts, without notice or reason. I violated no terms or conditions, and they can not provide not XXXX reason why! I will be looking into a class action lawsuit for resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am an Identity theft victim with a credit freeze and fraud alert at all 3 credit bureaus- I established this freeze and fraud alert after experiencing a police reported identity theft incident in XX/XX/2021 -- I temporarily lifted the freeze online on XXXX to apply for a credit union account -- set the restore date for XXXX despite the fraud alert someone applied for a credit card in my name on XXXX -- I was alerted -- not by any of the credit bureaus but by XXXX XXXX XXXX- a FREE service. I was able to restore the freeze at XXXX XXXX online and at XXXX via phone -- Experian does not allow access to a live person or access to restore online. Despite calling 4 different numbers over 2 days there is no live access. I tried to restore the Experian freeze online by adding a new freeze and was denied. I am now unable to access my previously established Experian account at all -- their system refused my ss # -dob- the only way Experian allowed me to refreeze my account was to establish a PAID {$25.00} per month XXXX membership account and schedule a freeze for 24 hours-leaving me vulnerable until the XXXX. I am forced to pay for something that was and should be available to me at no charge -- the Paid Experian membership only freezes your account while you are a paid member-dropping the freeze if you cancel -- I need access to my free Experian account and I need Experian to freeze my credit without the extortion

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 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company TSI on my credit report says original creditor is XXXX XXXX. Says the debt was in XXXX. I have never had an account with direct energy. TSI calls me every morning even while the dispute is in progress. I have disputed several times. They have removed the account from my report and started a new account. I have had no contact with this company other than disputing the report. When the disputing started in XXXX of XXXX the calling started and new accounts were opened and placed on my report for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your 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 2022-04-12 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 Reporter Act XXXX  account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
Hi, last month I sent the company IQ Data International I debt validation letter. The only thing they've honored was that I asked them to no longer call me. other than that the company has yet to verify my debt and refuses to keep it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: AL

Complaint narrative:
IC Systems is charging me {$890.00} on an old XXXX XXXX debt. The original debtor started in XXXX.However, when I log onto my credit report, IC Systems is showing the debt starting in XXXX. This is the incorrect time frame. The original debt started in XXXX and this should be removed from my report after 7 years. They need to update the date of the original collection.

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 2022-04-12 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Each dispute I requested original application agreement on several attempts no documents have been provided and based on Fair Credit Report it should be completely removed from credit report it original agreement can not be provided. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Each dispute I requested original application agreement on several attempts no documents have been provided and based on Fair Credit Report it should be completely removed from credit report it original agreement can not be provided. Thank You

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 2022-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC
State: DE

Complaint narrative:
Every month I get statements from BMW stating that I made a payment. I have repeatedly tried to contact BMW, with no response. I've contacted their privacy team, no response. Nothing I do gets a response from this company. Since someone used my email when they got their loan, I now have access to all of their personal information and BMW doesn't care. CFPB is my last attempt at trying to get this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XXXX XXXX someone used a former checking account in XXXX, Minnesota XXXX for two different transactions, the account in question was changed over by a new bank but apparently they were still accepting checks from the old bank account although they had changed on XX/XX/XXXX. Someone also used the former checking account again on XX/XX/XXXX in XXXX XXXX Illinois. The bank has reversed all charges and has not held me responsible but in the meantime I have been sent to a credit bureau by XXXX and I have to file a report online of identification theft and also contact local law enforcement, and Im waiting for paperwork from XXXX regarding fraudulent charges and can not even purchase anything there with my current debit card until all is cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX 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