vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are inaccurate. Please help me remove them. Thanks!

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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-02-02 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: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to access my account, could not, and was directed to contact the bank. I did on XX/XX/XXXX, and upon doing so learned that I was the victim of a scam, and as a result my account was on hold. I asked for details about the hold and was informed there would be an investigation, which would result in a restoration of my account or the account would be closed. I was also informed that restricted actually meant locked out completely. Even previously approved transfers would be declined. I then asked if they could expedite the process and close my account immediately so I would not be harmed by late payments, and was refused. At that point I asked for documentation explaining the hold. They refused. I called again on the XXXX and XXXX and was again told they would not release my funds. 

This action is prejudicial and harmful. Since the hold was placed I have missed student loan payments, credit card payments, and was unable to pay my XXXX rent. Ally has experienced no harm. The checks were declined, and no funds were spent outside of the funds I had before the scam. Ally failed to inform me about the hold until harm had been done. The one piece of outgoing communication that I received was not sent until XX/XX/XXXX, several days after the hold prevented my payments from being paid. 

Ally claims that the worst case scenario is closing my account, but continues to refuse to do just that. While I am unable to pay bills, they continue to earn interest off my checking and savings accounts. My credit is being negatively impacted in a serious manner. While I understand the importance of investigating fraud, they have not provided a satisfactory justification for continuing to hold my funds hostage. I have offered to provide additional information about the scammers, but they declined. I have text messages, a phone number, and additional checks that I never had the opportunity to deposit, which they were uninterested in, though they would certainly aid any investigation. 

I believe they are acting in bad faith, to my disadvantage, because they have not provided a legal basis for their actions, saying only that it is the banks protocol. I would like to know what my rights are, if any, and what remedy I might seek after the fact to make me whole when Ive suffered great harm to my financial situation and credit profile. 

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 non-monetary relief
Consumer complaint received 2022-02-02 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: TX

Complaint narrative:
I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander. 


Promptly delete the inaccuracies from my report and be sure that I am the person openings these accounts that are associated with my name for goodness sake I have never lived at these addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander. 


Promptly delete the inaccuracies from my report and be sure that I am the person openings these accounts that are associated with my name for goodness sake I have never lived at these addresses

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have been on XXXX since XX/XX/2019 I have been cleaning things off my credit report past medical bills and everything else to build my credit back up to buy a house for me and my kids nothing new has changed no new debts or anything else on my credit in XX/XX/XXXX TransUnion updated my credit score and dropped it by XXXX  points for no reason and are giving me no reason for it they are also reporting inaccurately information to their partner company credit sesame that is reporting inaccurate bills or debts and credit scores I want my credit score fixed there's no reason it should drop by XXXX points for no change in a credit report I have not worked since XXXX of 2019 and have had multiple surgeries and are expected to have multiple more I am trying to get my credit fixed and high enough so I can get approved for FHA first time home buyers loan and them dropping my credit score by XXXX points for no reason completely killed every headway that I've had

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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX Re : Sterling National Bank XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX acct XXXX Sterling National Bank completed my Escrow  Analysis on XX/XX/XXXX and I NEVER received the escrow  analysis letter, that I was told on XX/XX/XXXX, was mailed out on XX/XX/XXXX. 

Its imperative that I have this letter because paying the shortage is TIME SENSITIVE with this bank, that letter indicates how much time I have to pay it or when its due by. 

Currently, my mortgage amount was increased, As of XX/XX/XXXX - XX/XX/XXXX, to {$850.00}. I was informed by customer service XXXX, that my escrow  letter was mail. As of today XX/XX/XXXX, still not received. However, I did XXXX my mortgage statement dated XX/XX/XXXX. 
I believe the letter was generated through their system, but it was never actually mailed out. I think this because this bank has been mis-managing my account. An XXXX doesnt dont like when, Inform you of there incompetence. 

Today, I went to the branch to pay an escrow analysis shortage of {$180.00}. See attached receipt. From branch chk # XXXX. The branch teller was advised by the Escrow department to inform me, to mail the payment or do a check by phone, which would cost an additional {$9.00} automated or for the representative to process $ XXXX found this to be ridiculous and demanded a manager for my payment. Mind you, my account isnt even past due. My next payment is due XX/XX/XXXX XXXXSee attached. This bank is singling me out because I report them to you, every time they mis-manage my account. 

Secondly, please look at CFPB case number XXXX -this matter still not resolved. I recd letter from XXXX dated XX/XX/XXXX pg 2 -where she states my XX/XX/XXXX payment of XXXX -falls short of satisfying the new monthly payment. I paid this on XX/XX/XXXX on there suspense account. How is this XXXX to be satisfied with the new monthly payment if the bank doesnt send the letter to me and asks the Teller to inform me to mail the payment ; which is time sensitive and or I can do a check by phone for additional cost to me. See attached letter from XXXX XXXX which is dated XX/XX/XXXX. It is funny how I rec 'd this letter too and NOT the escrow analysis that the escrow department claimed was mailed on XX/XX/XXXX. They're lying!. 

Here are the documents recd and dated. Clearly, its not a mailing issue. Escrow department, just purposely, never sent it. 

Resolution for me, have them send the letter for my records. Make sure they take my XX/XX/XXXX payment {$820.00} sitting in suspense, get applied to principal & interest & escrow, and apply {$180.00} payment referencing chk XXXX, gets all applied timely and correctly. Finally, a new statement generated for the revised monthly amount {$840.00}?? For XX/XX/XXXX payment. 

I will be forwarding a copy to a lawyer. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Received new checks for XXXX accounts the same day, never opened the accounts. Called the fraud department, said they took care of it but not comfortable with the explanation. Only way they would agree to give information was if I provided my SSN to a credit reporting company. 

Received a text the day before RE : the account but ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/2022, I applied for an extension of credit through Goldman Sachs and was sent a denial email. They violated my federally protected consumer rights : 15 U.S. Code 1642 15 U.S. Code 1681M 12 CFR 1002 I have been discriminated against and I am now seeking for this company to rectify this situation that they are now liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2022 I said agent to XXXX XXXX, filed a complaint for the reason being that a cease and desist was sent on 3 different occasions, and WELLS FARGO AUTO disregarded the notice. They threathened me verbally, and in written communication form title 15 usc 1692 c ( c ). The letter stated they would try to reposses if they didnt receive a payment. They have indeed received a 1099A, 1099OID, 1096, 1040, 1040V and a money order with the outstanding principals balance. As they were the borrower and i was the lender who opened up the account with my cestu que trust by my private account number. Banks cant give credit nor any loans according to title 12 Us 1431. If they dont respond to the payment, nor did they send the payment back if they dishonored the 1099A and money order, UCC 3- 603. The payment has been tendered without recourse. A 1099 C cancelation of debt has been to the CEO of wells fargo also along with form 56. They received the forms on XX/XX/2022. Within 10 days they have to respond with a confirmation they recieved full principals balance, as i gave authorization to send written notice ONLY FOR THE PURPOSE OF SAID DOCUMENTS received.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation
State: NC

Complaint narrative:
I was trying out this new app called Albert which is a banking website owned by the same people that own cash app I shouldve been aware that I would have problems because Ive had problems recently with cash app not wanting to refund money that I did not authorize to be taken out of my account well on this incident I had my card stolen and I notified Albert immediately and I also got in touch with the sheriffs department who did an investigation someone stole about {$500.00} off of the Albert card I notified them I was having problems with the card withdrawing money and it locked it up till the next morning someone stole the card by the next morning along with my drivers license which I had my pin number on it which was my fault on that part but they refused to refund my money or help me in anyway and refused to give me any reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Omni Financial Corp.
State: MD

Complaint narrative:
I paid off account and they are refusing to provide proof or report it within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, medical services, and a loan under my SSN. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. It also look like these accounts are now in collections. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: FL

Complaint narrative:
Just pulled update and I dont understand where this account came from. I have never seen it on my credit report before. I believe that someone used my personal information and applied for it!

Company response to consumer: Closed with explanation