vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have account ( s ) with Ally Bank. It is an on-line bank and I do not know the routing number. The correct email address for this bank is ally.com. My accounts with Ally include a CD, a savings account and my monthly retirement check is sent directly to them ( Ally ). For reasons unknown to me they have " closed '' or " frozen '' my accounts and I can not access them. I have emailed them and was told that only phone contact is acceptable. They will not communicate with me in any form ( email, chat, USPS ) except via telephone. The problem is that to contact them by phone requires at least two-hours on call-waiting with the wait time close to XXXX to XXXX hours depending on what time of day you call. For me, it is impossible to be on telephone hold for that long of time. They only have one phone number XXXX which for the average person is impossible to use. I am hurting here without access to my funds. As a side note, even if you call them at XXXX XXXX  the wait time is still OVER two hours and many times longer than that. Please help. 

How can your complaint be satisfactorily addressed? 
Can this bank be required to answer their phones in a timely manner? How can I get my account " unfrozen ''?

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 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I had 2 credit cards with Genesis FS Card Services and both account are closed both are paid but one is still showing a balance this are the accounts. 

CB indigo card- XXXX Feb Destiny - XXXX I did not consent nor had the option to opt out of sharing of my information and under Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-27 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-27 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: Texas Guaranteed
State: WI

Complaint narrative:
Company responded XX/XX/22 stating that according to 34 CFR 682.410 ( 6 ) ( 5 ) they are required by federal regulations to report to all credit bureaus. This is in fact true, however, they neglected to state what needs to done before they can report. 34 CFR 682.410 ( b ) ( 6 ) ( ii ) states the following : ( ii ) Within 45 days after paying a lender 's default claim, the agency must send a notice to the borrower that contains the information described in paragraph ( b ) ( 5 ) ( ii ) of this section. During this time period, the agency also must notify the borrower, either in the notice containing the information described in paragraph ( b ) ( 5 ) ( ii ) of this section, or in a separate notice, that if he or she does not make repayment arrangements acceptable to the agency, the agency will promptly initiate procedures to collect the debt. The agency 's notification to the borrower must state that the agency may administratively garnish the borrower 's wages, file a civil suit to compel repayment, offset the borrower 's State and Federal income tax refunds and other payments made by the Federal Government to the borrower, assign the loan to the Secretary in accordance with 682.409, and take other lawful collection means to collect the debt, at the discretion of the agency. The agency 's notification must include a statement that borrowers may have certain legal rights in the collection of debts, and that borrowers may wish to contact counselors or lawyers regarding those rights.

None of this information was given to me at all. Another law broke. I did not wish for them to supply me with the information now as it is already to late. I want this account immediately deleted from my report ( s ) in its entirety.

If you choose not to comply, you leave me no choice but to take this matter to Federal court. I will also notify the Attorney General as well as the XXXX.

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: NJ

Complaint narrative:
Concerning my XXXXXXXX XXXX XXXX  They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my XXXX account. Lateness for XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXThese 6 lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX XXXX XXXX offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XXXX XXXX XXXX and was in effect until XXXX XXXX XXXX You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX  XXXX XXXX XXXX on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that Transunion, XXXX, and XXXX has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO 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

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 2022-10-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Concerning my XXXX XXXX XXXX They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my XXXX account. Lateness for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX card services offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XXXX XXXX XXXX and was in effect until XXXX XXXX XXXX. You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX XXXX XXXX XXXX on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that XXXX, Equifax, and XXXX has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO XXXX  XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO EQUIFAX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: NJ

Complaint narrative:
Concerning my XXXX Credit Card They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my chase account. Lateness for XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX card services offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XX/XX/XXXX and was in effect until XX/XX/XXXX. You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX credit card services on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that XXXX, XXXX, and Experian has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO EXPERIAN XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # 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 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Yesterday, I completed a loan application with wells Fargo yesterday, and downloaded all documents available to me along with the preapproval for 15 years, later on, the mortgage specialist sent me a preapproval letter with 20 years which is completely different from what I applied and received. They are trying to take advantage of my accent simply because I'm a foreigner. 
I have the preapproval letter from Wells Fargo with the correct rate and year then loan officer sent me something completely different ; simply because I'm a foreigner and since I have an accent they think they can take advantage of 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 2022-10-27 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: OH

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-27 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: TX

Complaint narrative:
On XX/XX/2022 The credit bureaus stated that the account " XXXX/DEPT OF ED '' ( account number : XXXX ) & the account " XXXX  '' ( account number : XXXX ) was properly investigated but how is that possible, if I didn't consent to these things being put on my report. This is a violation of my rights and grounds for removal under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my WRITTEN instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Summer of 2020. I was behind on rent. Didnt receive an eviction notice or anything. So was confused about the amount that was due. Ended up moving out. Still had time to pay {$1900.00}. However now they saying I owe XXXX which I had no acknowledgment of. Asking for a good will removal. This had caused my credit to be terrible bad & not only that but caused me to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter yesterday, XX/XX/2022, dated XX/XX/2022, from Chase Card Services, saying, " After careful consideration, we decided to close your credit account on XX/XX/2022 because your association with Chase credit card, deposit or investment account that was previously closed. '' Chase bank should have explained a reasonable cause to close my previous accounts. I believe chase bank 's action is not fair to its customer financially. The letter was mailed on XX/XX/2022. 

Chase Bank is biased against a particular customer. If I have any issue with my credit history or other reasons, they never issue a credit card to me. Because I called the bank credit card service, they did not come up with any reasonable cause. I want Chase Credit Card Services or Chase Bank to explain the real reason behind closing my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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