vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I made a total of 5 phone calls to Ally Bank. Totally unresolved and calls can take hours. I have 2 CDs with Ally. I was successful on Call # 1 and received all of my accrued and paid interest on the 2 CD 's. The interest accrued but not paid on both cd 's required a 2nd call ( I made the mistake of having the interest paid annually. ) Call # 2 resulted in success on one of my CD 's and I was told to hold on until it was finished. Unfortunately, after being on the phone for an hour, my phone battery died. 3 calls later resulted in long times waiting for the resolution. I have to also state numerous messages sent to Ally resulted in no success. Those people can't even read. 

The last 4 numbers of my CD are XXXX. There is approximately {$880.00} of accrued interest but not yet paid sitting on it. I wanted this interest transferred to my XXXX ending in XXXX. 

Therefore, I am hoping that you can intercede and help me with Ally Bank. At times like this I wonder about their solvency if they won't give me my accrued interest as requested.

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 2022-08-16 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: NV

Complaint narrative:
I recently requested the credit bureau do a verification of accuracy on a few accounts. they completed the investigation and stated the information was accurate. I decided to do a thorough research and found improper inaccuracies after their investigation. In accordance with the FCRA these creditors have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SEC 602 A. States I have the right to privacy 15 U.S.C 1681 SEC 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
A payoff was sent to the company on XXXX XXXX and was not received until XXXX XXXX. Wells Fargo is horrible. The amount sent was to pay off on XX/XX/2022. I have been contacted 5 times since about paying an additional amount over {$300.00} to which the company has not been able to tell me what the additional amount even covers. I found out today XX/XX/2022 that they still have not cashed the check for all but the additional amount and the additional amount was sent yesterday with that still not being annotated. I have requested that the company cash the check and additional money to pay off the mortgage and they have informed me today it could still take an additional 2 weeks. I have requested they strike any negative remarks to my credit report as well.

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 2022-08-16 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This account was settled through insurance and needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, and XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..ACCT : XXXX late payment. XX/XX/XXXX XXXX Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, 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 explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
By XXXX XXXX, the bank notified us that my case regarding to fraudulent withdrawl of {$10000.00} from checking account ending in XXXX is closed, again. 

The bank suggested us to file a police report with the affidavit declaring that the withdrawls on XXXX XXXX & XXXX were unauthorized and were not done by us who are the owners of the account. The affidavit was sent to the JP Morgan Chase and was notarized by the County of XXXX XXXX XXXX of New York. HOWEVER, the police station could not let us file a police report with simply using the affidavit and they insisted us to ask the bank for providing a letter stating the case is open and under investigation. 

We then turned to the bank to ask a letter which the police station asked for ; HOWEVER, the bank said they need a police report in order to reopen the case. 

Now the thing is that it is running in a loop. The police needs bank to prove the case is open to file a police report but the bank needs a police report to open the case. We have tried our best to talk to both sides but nothing is improved. 

The fraudulent withdrawls had been taken place for over 8 months and nothing has been done yet. Nothing. We have repeatedly provided the evidence, including the air tickets showing the owner 's absences during the period, proving the owners were absent during the fraudulent withdrawls happened and it is clear that someone used our signature to withdraw the balance from our account unauthorizedly. This is clearly a crime but bank did nothing and they refused to believe this is a crime. They can also use the camera resources from the branch system to view who was illegally withdrawing our account and file a police report but they did not want to take the responsibility to admit this is a crime because they did not want to make any reimbursement. 

This issue has been there for over 8 months. {$10000.00} was stolen, which is 2/3 of our family income. We now live in a proverty and have very little money to survive, especially under the circumstances of global inflation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I'm not responsible for this account. I don't even have a contract with this. I have already contested this account, and you have not shown any evidence that it belongs to me. This is not my work. This is deceptive and could hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: The Savings Group, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I clicked one button to view offers ( as it claimed ) to see new auto-rates through XXXX, I made sure that in the title that It didnt say it would do a hard inquiry. I pressed one button & it prompted me to fill out a form which then I proceeded to back out of because it didnt show me rates right away. Then I got 5 or 6 hard inquiries with the source being Rategenious & I DID NOT approve nor give consent to the company to do any further digging into my account or share my personal information. 
I contacted XXXX 3 times & each time they said to contact the individual companies. I did & the rategenious supervisor said to file a police report because thats the only way they will remove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was job hunting and I came across XXXX Before then I had no idea the site had job openings but since I was a bit desperate I decided to see what they had to offer. I found this once active posting in XXXX as a " payroll specialist '' for XXXX, one of the rental car companies. As you can see it's not visible anymore. So I read it, sent an email to the one on file, attached my resume and waited if I would get a response. I didn't know it was the job was from XXXX at first until they answered back. Not even 3 days later and they replied back. There was no interview, no nothing. I pretty much got the job off my resume - strike one. The name of manager/supervisor or whatever the heck she was supposed to be was XXXX and XXXX, this woman lacked privacy in all sense of the word. She would call and/or text me throughout all parts of the day, almost 7 days a week, telling me I should do this or that. Even after I told her numerous that I was busy or couldn't answer the phone she would either call again or rush me through text if I didn't respond quick enough, pretty much harassing me. That should have been strike two. Over time they asked for my ( former ) bank information and said they would send me paperwork through the mail but I never received it. Keep in my I said former but I will get to that later. In early XXXX, my grandfather passed away unexpectedly and that devastated my whole family. I should stepped back from the so-called " job '' and focused more on my actions my family needed to take going forward. Instead they insisted that I download numerous apps such as XXXX, XXXX and create accounts to prepare me for sending funds to staff - or so I thought. 

I know this was a huge red flag when they told me to send {$11000.00} via wire transfer to a fellow employee. It was {$5000.00} at first then an additional {$6000.00} days after which was pretty much what I had from my savings account.Then they also took over {$900.00} to put into XXXX without my consent. They claimed it was a payment to the staff, I uploaded the email below. Something in my head told me this didn't feel right and I should have listened to my instincts but I didn't, so I sent the money, regretting it instantly. Strike three. They promised they would give me my money back but long story short, I was foolish to deposit a fraudulent check into my bank to dispense among staff, resulting in my account to be shut down due to suspicious behavior. They also caused a restriction on my credit card buy using my login info for buying several gift cards and other products without my consent or knowledge and trying to pay off my balance from a bank that is most likely fraudulent as well, giving off red flags once again.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, and Equifax credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..ACCT : XXXX late payment. XX/XX/XXXX 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian says they need more info to generate a FICO score, even though I got a secured card from XXXX XXXX. I talked to XXXX XXXX. They never heard of Experian doing this before. Experian 's partner orgs keep sending offers for $ XXXX, 24.9 % or higher cards to " help me build credit ''. I'm wondering if they would suddenly have enough information to generate a XXXX score if I took one of these offers and they got a XXXX XXXX  or referral fee out of the {$99.00} annual fee, ie pay- to- play. I can't prove it, but it looks predatory. Please look into it

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom May Concern, This is XXXX XXXX XXXX. I have been a client of Bank of American since year XXXX. I have checking, saving and 2 credit cards account with BOA. 
In XX/XX/XXXX, BOA decided to closed all of my account without explain the reason. I never overdraft and I always make payment on time. 
I doubt the reason they close my account and refuse to open a new account for me. 
I hope you will be able to help me out. 
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 2022-08-16 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: SLM CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022, Sallie Mae Bank reported 2 of my accounts as 60 days delinquent, thus creating a derogatory remark on my credit report. However, on XX/XX/2022, both accounts were made current prior to the 60 day late mark of XX/XX/XXXX. I have payment confirmation for both accounts proving the validity of accounts being current at that time. I have reached out to Sallie Mae Credit Reporting branch directly via mail and disputed twice on XXXX Dispute Center to get these remarks taken off. Sallie Mae is not approving the dispute and I am very frustrated with their practice in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation