vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: IN

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Can you verify the paperwork? Several of the mentioned accounts contain inaccuracies concerning reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I seen an ad on XXXX with XXXX XXXX XXXX with a handful of cash and stated {$10000.00}. a month trading XXXX  and clicked the learn more tab. It then took me to XXXX  where I was greeted from a teacher XXXX XXXX. She showed me step by step how to trade cash from my bank Regions into XXXX  on XXXX. Then the XXXX  was sent to an exchange XXXX to buy and sell XXXX. It seemed I was profiting but I was being scammed by the XXXX, XXXX, and a refund service that was paid to retrieve my funds but also was a scam. I've lost {$10000.00}. and need help to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have had Loans with Navient since graduating from XXXX XXXX XXXX XXXX  in 2007. Because of the nature of my industry at the start of my career I had alot of difficulty finding work and managing my payments to Navient. 

Every single time I had difficulty paying off my loans Navient either gave me absolutely incorrect information suggesting forbearance vs income based repayment or other cheaper options, often costing me money to enter forbearance and also costing me money in the form of interest accrued during those times. 

Navient also originated a predatory subprime private loans to me and my father, even though it knew that there was very high percentage chance I wouldn't be able to pay it back, due to low graduation and placement rates at the school I attended. 

Navient also continuously failed to apply correct payments to my accounts during the course of my loans often misallocating or arranging the payments in ways that would cost me more than if things had been allocated properly. 

Navient also is in direct violation of the settlement terms of the XXXXXXXX XXXX XXXXXXXX case and has not only ignored my requests but flat out denied responsibility to do anything. They most recently denied my attempt to enforce the complete removal of the originating loans from my credit report. In contempt of the court rulling. 

Navient also violated the Telephone Consumer Protection Act by utilizing an automatic telephone dialing system to try to collect on missed payments. Calling sometimes outside of normal business hours. I know this was an automated system from the multiple different numbers that navient used to call from making them difficult to track and from the lengthy pause and click when I would answer and it would connect and transfer me to a representative. I tried several times to revoke consent and ask them to not call me or to not call my father but this was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, 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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: MO

Complaint narrative:
I bank with commerce bank, I sold a dirt bike and put XXXX in the atm at the branch location in XXXX. It was XXXX XXXX bills. Its all on camera from the cameras at the drive through and the camera on the atm. The ATM took my deposit then said sorry no large bills and spit my card out and I got no receipt. They opened what they call an investigation after holding my XXXX for 10 days meaning not putting the money in the account. They pulled a transaction history which I told them was never going to work cause it never took the deposit they need to pull the video and audio of the machine and any of the cameras on the drive through. Furthermore count the money in the atm and audit it. So now they pulled the XXXX back out of my account and told me its going to be a month before they can pull the video and audio which should have been done the first time. So now my account is negative for the next month and bills are going to be missed due to them not owning the issue with the atm. The have a business agreement to own and operate that atm they need to refund my money while they do there investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I have made multiple disoutes and complaint there are things on my report that should not be on there, either not mine, is put on there without my consent, and the fact that charged off account has been paid and after closed charged off they attempt to still collect and never sent me 1099c like they are supposed to. None of the companies have. I have mentioned this before and yet they are still reporting to my credit report. There are collection accounts that I have dispute sent validation letters to months ago, and never recieved anything back yet they are still reportiing on my report those would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is just some of them, I have disputed and asked for validation from XXXX  over a year ago, i have received nothing yet they are reporting open accounts. I believe it ws month ago i disputed the addresses, well, to sum everything up, none of the reports match. I would like to invoke my right to remedy for this and receive that {$1000.00} per violation. This is severely messing up my credit. Also with XXXX XXXX XXXX, i have been trying to talk with them, we have arbitration clause but apparently they can just ignore me after committing fraud and them close my loan account without saying anything to me. I have evidence of their and automaxx fraud, forgery, etc. But they can not legally do anything that they have done if they force me to stay out f court, because arbitration. THE WAY IT SEEMS is since they have the money that they can do what they want even though they never gave me a loan, I have asked several time for document XXXX including the original promissary note they never produce it, wasn't asking them to send that to me just if went to court that it could be seen by a judge, i get ignore and they trying take truck. While committing the crimes they are. I am sick of when I file disput, it always comes back verified but how can it be verified if i don't know the company, never recieved any paperwork validation letters anything but they are verified. I feel that my right are extremely being violated and feel remedy and report being fixe XXXX the route

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-04 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: PR

Complaint narrative:
Transunion is reporting an account that is not mine, the account is : Name : 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 2024-04-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Hello, My personal bank account with Ally Bank was locked after I deposited a check of {$2500.00} that I recieved as restitution money from a criminal case where I was the victim of a crime. The case was mediated in XXXX XXXX XXXX XXXX XXXX and {$2500.00} check was handed over to me as restitution for the damages incurred. Then check was issued from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX who was representing the defendant. The check for {$2500.00} cleared however, days later my account was placed on hold for fraud investigation. After multiple calls to the Allys fraud department, no explanation was given to me other than the account is under investigation and the funds were locked. After 35 days the account was closed and my personal funds are withheld with Ally bank. Ally bank has told me that they are not returning the funds because the {$2500.00} check could not be verified even though the check cleared and there was no issue with it or complaint on the check from either party. However Ally placed a hold on my account after the check cleared because they said they had to verify the check even though it had already cleared and they claim that made multiple attempts to verify with the lawyer firm and with their bank with no response. Strangely, when we call the law firm and the bank we are able to reach an associate and they said they were not contacted by Ally Bank. 

We do not know how to get justice on getting my money back. Ally is claiming that the check for {$2500.00} which was restitution money from a law firm is not my money as they repeated this to me several different times through several different fraud customer service agents. 

We also read many reviews of Ally bank locking peoples account without a good reason to believe it would be fraud and we want to bring to CFPB for investigation as it may be happening to other people. 

We are happy to provide Allys fraud department phone number, the lawyers phone number and their bank contact number and statement showing my funds and the picture of the check and the court letter. 

We would like your help to solve this issue and bring customers attention who are banking with Ally Bank! 

Thank you, 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I checked my credit report and I can still see the inaccurate account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Have a Venmo account. My Aunt sent me {$150.00} on Venmo on XX/XX/year> for birthday gift. Tried transferring money to my bank account and/or debit card. Transfers would not go through. Called my bank to see if issue on their end. They did everything they could on their end and transfer still did not work. Called Venmo customer service and all they could tell me was yes my account was suspended but couldn't tell me why nor could they release my money. Kept saying I should receive an email from their " account specialists '' to which as of today, still have not received any emails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I sent letters to LVNV Funding LLC to validate the so called debt, they didn't response. So I sent them certified letters this time and they still have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Bought a {$300.00} AMEX gift card as a XXXX present ( 2023 ) and it does not work at all. All transactions are declined. Need my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Mr. Cooper. I received paperwork about the process however, have been unable to reach their customer service department to ask questions about my mortgage. I have tried over a dozen time over the past month! 
The number provided for customer service is XXXX however, there is NO option to speak with a customer service representative. This process was done among the companies as a business decision by XXXX XXXX not by me, the consumer. I expect to be able to speak with a customer service representative about my most important financial obligation. I do not think that is a lot to ask. Please help! I want to make sure they have my insurance being deducted and that my payments will be deducted bi-monthly like they were with XXXX XXXX. Thank you!

Company response to consumer: Closed with explanation