vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My funds were accessible XX/XX/XXXX call the company on the XXXX they went ahead and based on responses that close my account and then withheld my money with that XXXX I called today at XX/XX/XXXX no explanation or XXXX no documentation or justification. 

I need you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I am filing a complaint regarding misleading communication from Ally Financial about my auto loan charge-off. On XX/XX/XXXX, I received a text stating I had 5 days before a charge-off if I did not reach out I reached out that same day XX/XX/XXXX, but the next day XX/XX/XXXX, I was told via another message that I had 30 days to resolve the issue and given a case number. Despite this, my account was charged off before those 30 days were over. When I called to clarify, Ally informed me that the arrangement was no longer valid due to the case being transferred to another department, a change I was never made aware of. I reached out like they asked me to the same day explaining my financial hardships and willing to explore options as well as pay my past due amount yet my account was still charged off. I have been actively trying to resolve this situation despite my financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XXXX XXXX was a previous loan processor ( home loan ). 
Prior to XXXX ; Previous mortgage processor ( XXXX XXXX ) stopped collecting for ALL escrow. 
XXXX XXXX stopped collecting Escrow, and I paid ( in time ) taxes/insurance AFTER I paid, XXXX funding paid ( 2nd? ) property tax w/o prompting. ( Unclear if this is true ) I continued to pay loan ( only ) w/ XXXX XXXX. 
XXXX funding sold loan to Shellpoint. 
I made several payments to Shellpoint. 
Shellpoint found XXXX XXXX 's error, and : XXXX. Billed me ON MY MORTGAGE the {$4000.00} ( as escrow ) XXXX. Billed me for current escrow. 
XXXX. Refused to " accept '' loan payment ( now late fees are applying ) Side notes : XXXX. XXXX / Shellpoint NEVER notified me that the property tax payment was made ( or even should have been made ) 2. Property tax payment by me was done " one time ''. 
XXXX. XXXX funding on the check stub paying me for the escrow balance - notified they were no longer covering ( collecting ) escrow. 
Note : These companies have been known to falsify documents when regulators are involved.

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 2024-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet / Dept of Treasury is suppose to be refunding me XXXX and I got the letter last year in 2023 but only got one check for XXXX and not else since. I have since got another refund via XXXX  but nothing still from Nelnet. I called today and they said its processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : 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 2024-10-09 00:00:00
Product: Credit reporting 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$0.00}

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME STRESS, I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America provides very poor services to my business accounts, and the manager at the local branch is incapable of guiding me in selling products, leading to a mistake. Bank of America refused to accept the mistake, so now I want a copy of all communication with that manager to take legal action. Also, I want a competent manager to talk about XXXX XXXX needs mov ing forward. With so many advertisements saying is the best bank for XXXX  business, I am sure must be someone.

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 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Dave Operating, LLC
State: GA

Complaint narrative:
On XX/XX/year> XXXX did an ACH transaction from my personal checking account. XXXX will not allow consumers to close their account until the amount is settled. This is a deceptive business practice and borrowers should be able to simply close the account and be billed at a later date. XXXX has not responded to my request to have my personal checking account unlinked from their platform. I would like for XXXX to close my account, refund me the {$10.00} that they debited from my personal checking account on XX/XX/year> and no longer pull any other future ACH drafts from my checking account. Payment in full will be made to XXXX through XXXX XXXX or XXXX XXXX as soon as I get conformation that XXXX has complied and fully closed out my account, refunded me the {$10.00} and unlinked my checking account from their platform. I have contacted my bank and did a stop payment blocking XXXX from any further transactions from m y personal checking account in the future. Any further ACH debits will result in legal action against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
[ Account Name : Spring Oaks Capital LLC and Acc # : XXXX ] - [ ] Has violated my rights. 
Late Payments - 15 U.S. Code 1681a ( 2Xi ) - 12 CFR 1026.13 ( Billing Error Resolution ) - 15 U.S. Code 1666 ( b ) - 15 U.S. Code 1637 ( a ) - [ ] 15 U.S.C 1681 section 602 A states I have the right to privacy Collections- 15 U.S. Code 1692c - 15 U.S. Code 1692g - [ ] 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions - Charge-Offs - 15 U.S. Code 1635 - 15 U.S. Code 1692g - 15 U.S. Code 1681 ( c ) ( 2 ) 8. Hard Inquiries - 15 U.S. Code 1681 ( n )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information. 


There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Sincerely Enclosed : copy of State ID and Utility bill showing proof of address

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information. 


There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Sincerely Enclosed : copy of State ID and Utility bill showing proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have been trying for months to have Shellpoint change the mailing address through the XXXX Finally on XX/XX/2024, Shellpoint replied stating that. yes, they have made a mistake and finally changed the mailing address. The problem that I have is that for all those months Shellpoint has been sending statements with account information to an OLD attorney, who no longer represents me, and who's office has been CLOSED for quite a while. 

I had responded to the XXXX asking for Shellpoint to give me XXXXXXXX XXXX for 5 years due to Shellpoint 's lack of information security. The XXXX has closed this matter without resolution in this matter and will not resolve it. 

I am including the page from the XXXX showing that Shellpoint as admitted to the mistake and that Shellpoint has not tried to fix the problem other than to finally change the address. I would like to have this matter completely fixed with 5 years of XXXXXXXX XXXX. This way I can be certain that my information remains safe because of Shellpoint 's lack of securing customer information. I still have not received any of those statements back. Shellpoint has not responded as to where they are or have ended up.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

Company response to consumer: Closed with non-monetary relief