vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XXXX I had setup an auto draft from my checking account, the auto draft was setup from an account where I've always used to make payments from. Ally never requested the money from my account and took weeks before I knew there was an issue and only knew after checking online myself to make a payment. At this point Ally 's system did not allow me to make any payments and I spoke to a rep about assistance that they offer. I advised the agent that I did not want to go through a lengthy modification but will be open to a deferment or forbearance as long as a back and forth paper work wasn't required. I offered to make payment at that time but they refused to take it saying I will need to pay 2 - 3 months worth cause they're system wont take anything less. I left it to review myself and investigate why the funds from my account were not taken as scheduled. I called again and spoke to someone shortly afterwards when a letter was received saying that my mortgage was under review for modification and that they had received my documents. This puzzled me cause I did not submit any applications but visited a site they gave me to look into options, I explained this to the rep and she recommended I stay with the modification as it was in review. I again asked if I could at least make 2 months worth of payments to avoid going any more behind, the rep said she would be able to take the payments but the assistance review will be ongoing. I was ok with that as long as they were taking my payments, this was contrary to what they told me a few weeks back cause at that point they did not want to take any payments cause it was under review by underwriting. I told the rep that I will only move forward for a deferment or forbearance if no other documents are required. It is not because I don't have or can't attain any of the requested documents but I do not want to go through the hassle of getting these and sending it back and forth. They advised that no documents were needed as they had everything they need to review so I left it alone since they at least took 2 months worth of payments, This week I received another email from Ally requesting documentation, called and spoke to a rep who did not want to transfer me to a supervisor even after repeatedly asking to do so. She like her other colleagues said the system won't let me make payments one it gets to a certain point which I advised that I would be setting up payment for 2 months worth to come out in XXXX, The rep was very unhelpful at which point I decided to end the call and file a complaint. I'm seeing a pattern that it depends on who you talk to at ally that you will eventually get the right information and the right help. This last call made on XX/XX/23 was not one of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Central Portfolio Control Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

129

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CO

Complaint narrative:
In Accordance with the fair credit reporting act 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 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 2023-03-14 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: CO

Complaint narrative:
In Accordance with the fair credit reporting act 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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I transferred XXXX to XXXX. My remaining balance was XXXX My ATM card was declined shortly after. I call the number on the card and was told my account was scheduled to close by B of A decision. I received a letter stating the same dated XX/XX/XXXX. I have not been able to get answers from anyone about when the remaining funds would be available. Our how I would receive them.

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 2023-03-14 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO 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 2023-03-14 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: ProCollect, Inc.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

129

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I told Comenity Bank to close my account last year ( 2022 ). Unfortunately, they deleted my email because they don't retain them past 120 days. Since I've requested they close the account, even though I have bought nothing with the card, they have charged me {$100.00} in late fees. Additionally, they harass me daily with phone calls and text messages. I do not want this credit card and they continue to charge me and claim I owe them a debt when I have purchased nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am spam called over 10 or 15 times a day thanks to Experian sharing my information. Literally three weeks after I applied for my loan from credit card XXXX when I asked the telemarketers where they get my phone number from they all say Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: IL

Complaint narrative:
I have a fraud alert on my account and the following inquiries was not cleared by myself but inquiries continue exist on my credit reports. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Please remove all these inquiries from my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
I had a derogatory remark show up on my credit report by a company called Credence Resource Management https : //credencerm.com/ They claimed they are a collection agency collecting a debt I owed to XXXX XXXX XXXX  However I have never had an account with XXXX XXXX XXXX  and in fact my credit report does not show an account with XXXX XXXX XXXX XXXX 

If you look at this companies XXXX reviews all of them are the same thing and this company is fraudulent and is just trying to get money from people. 

I am not sure how they can report something on my credit report but I am currently working to get it removed. 

I just hope that this company can be put out of business or at least no longer be allowed to put fraudulent info on credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: ERC
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: I.C. System, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
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 explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens Bank took over the account I had at XXXX  for years and they started bilking it for fees without my knowledge or permission. I had an account with XXXX  for years that was mostly inactive. There was {$2700.00} in the account for years and the balance didn't move. I barely looked at the account and just held money there. XXXX  sold their deposits to Citizens Bank in XX/XX/2022. Since then, in 14 months, my account has been charged {$130.00} in fees. I noticed an email telling me I was going to be charged {$30.00} in overdraft protection fees, so I looked at the account and noticed the lower balance. I contacted Citizens and demanded a refund and asked to close the account and mail me a check. They told me they couldn't close the account unless I had a XXXX balance and they couldn't mail me a check for my balance. They told me the max " rebate '' they could give me was {$35.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and should be removed from my report immediately : Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX AL XXXX- This address belongs to someone else. Delete it from my report immediately. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX  - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX I have never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

Under the FCRA, credit reporting agencies are required to ensure that the information in their reports is accurate and up-to-date. I understand that accurate credit reporting is crucial and I respectfully request that you investigate these items and take appropriate action to remove or correct them, as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and should be removed from my report immediately : Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX- This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX  - I have never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Account Number XXXX XXXX XXXX XXXX XXXX  - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

Under the FCRA, credit reporting agencies are required to ensure that the information in their reports is accurate and up-to-date. I understand that accurate credit reporting is crucial and I respectfully request that you investigate these items and take appropriate action to remove or correct them, as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
My Heloc is I/O for 120 months, some months I pay over this I/O payment. XX/XX/XXXX the overage is applied to interest NOT PRINCIPLE! 
It's sporadically been happening from XX/XX/XXXX to current XX/XX/XXXX. 
I called them today XX/XX/XXXX and was told by customer service that there are no principal only payments made it will ALWAYS go to interest, even though it's above and beyond the interest only payment! This isn't right!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Capital One 3/13/2023, 
Discover financial ser 07/08/2022
Sm bus admin oda 10/06/2022 
pentagon fcu 03/11/2023 
pentagon fcu 03/10/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: Regional Management Corporation
State: NC

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN CHILD SUPPORT ENF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief