vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This is my second complaint I am opening due to the last one being closed by Ally Financial without providing the document I have been requesting. There has been zero resolution to the issue. 

The original consumer complaint # is XXXX XXXX Here is a timeline : Prior to XX/XX/year> - I called originally to have it mailed and faxed to a XXXX XXXX. 
The XXXX XXXX never received the fax. 
I called two more times to resend fax. 
Never sent the fax. or the paper mail version. 

XX/XX/year> - I explained that I never received the document- said they would send it. 
XX/XX/year> - Received document tor a vehicle I do not own. ( Which Im sure this is a privacy violation ) XX/XX/year> - I explained they sent document for a vehicle I do not even own. I requested the correct doc be overnighted. He got approval to overnight it and assured I would receive it in the next few days. I never received it. 
XX/XX/year> - I once again explained situation + that never received it from last call. She got approval to express mail it and once again, I did not receive it. 
XX/XX/year> - Allys executive customer service department called me to say they received my consumer complaint and said they would get the document express shipped out immediately. She also said she would call to verify it has been sent and would leave a voicemail if I missed the call, with as much info as she could within company policys in a voicemail to let me know it has been sent. 
XXXX complaint to attorney general of Texas and Pennsylvania. 

I have not received it to this day and they just closed my complaint. 

I have never felt so hopeless or frustrated. I need this document to submit to the DMV so I can receive my title and sell my vehicle. My car is just sitting there, depreciating for months on end due to Ally Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: MS

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  XX/XX/year> Please block this information from my credit report within XXXXour business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made an international transaction from my Checking Account to an entity in XXXX for the purpose of investment into the company. As per standard practice and regulatory requirements in XXXX for foreign investments, the receiving bank requested XXXX  details from HSBC via XXXX message after receipt of these funds. 

HSBC failed to respond to this request for 10 days, with no action or communication regarding the status or requirements. I had to initiate contact myself, calling HSBC to check for this XXXX  message and to request that the necessary XXXX  details be sent. This should have been handled promptly by HSBC staff without my intervention. 

When HSBC finally sent the XXXX  details, they committed a glaring error : my name was entered in the field designated for the banks name. This further complicated and delayed the compliance process. 

When the receiving bank requested corrected details, HSBC again failed to act promptly, instead choosing to sit on the urgent request for an additional 15 days. Throughout this period, nobody from HSBC contacted me to provide updates or rectify the errors. 

I only became aware of the ongoing delays and the need for corrected details from the recipient, not from HSBC. Starting on XX/XX/XXXX, I called HSBC every hour in a desperate attempt to get them to send a XXXX  message with the corrected details. Despite my persistent efforts and the clear urgency of the situation, nobody at HSBC took action for XXXX full days. 

On XX/XX/XXXX, I was finally informed that a XXXX message had been sent. However, I was not told what details were included in that message. Even after explicitly stating the urgency and the need for accurate information, I was informed to wait for the receiving bank to receive the XXXX message. It turned out that the message HSBC sent was merely an acknowledgment, stating that they would respond in due time, without actually including the corrected XXXX  details. 

After weeks of delays, errors, and four days of hourly calls, HSBC 's only action was to send a non-substantive message rather than addressing the urgent compliance request. As a direct result of these incompetent practices by HSBC, the XXXX regulator has voided my investment, and the receiving bank is now required to return the funds. 

In response to my original complaint to HSBC, their Customer Relations team merely refunded $ XXXX external fee that HSBC itself charged for facilitating the transfer. This gesture is wholly inadequate given the significant financial impact and the stress caused by HSBCs repeated failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 from Experian, XXXX and XXXX. 

Please delete the following account : XXXX Account 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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
So I ended up getting terminated for my job and I took out some fun from my 401K, We had went to multiple banks and being that this bank was about to close and I'll last resort we went there and they told us that we could deposit the money into third party account because I couldn't deposit into my account because I had a pass due balance. I want to say 3 days after we de positive to a third party account which was at the time my Partners account like I said they told me that I couldn't put in my account because I had to pay the balance first and I was broke I didn't have any money and they told us that we could, aspect the cash into her account about XXXX XXXX XXXXt. About 3 days after they retricted her own funds into her account prior to the funds i deposited from the 401k check, and then without telling her they closed her account which wasnt fair at all. They told us my number was working and able to get verified but at the time my phone was off and needed to be paid. So we paid it maybe a day later and then they told us that my number was in the system anymore and wasnt able to get verified, we called everyday and spent hours at the branch in hopes it was get fixed. We showed proof of the check, they verified the funds with the bank who issued it, we both sent ID 's, Proof we live together, and we both signed the check, We both also have numerous phone calls where my voice and hers can be heard stating all of this over and over again. and this whole mess is causing me to lose my home, my car, and alot of mental stress. I hope you guys can call and have this issue resolved shortly soon, because i dont know what to do anymore, other than be homeless and wait 2 years for the funds to go back to the bank that issued it and then for me to then have it shipped out later again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TN

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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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 2024-10-01 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: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB, has charged off this account, and have not sent me a 1099 C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I paid off my loan. In full. Received confirmation from the company that I paid off the loan, in full. 
They did not report the payment to the credit bureau. I filed a dispute with XXXX. 
After the dispute was " resolved ''. They were still reporting a balance that had not been paid on the loan. So the balance is still on my credit report. 

If I take out a loan, that loan shows up on my credit report in XXXX hours. 
If I pay the loan off, it takes MONTHS to be reported to the credit bureaus. 

This is an abuse of the credit system and an imbalance towards consumers. All financial institutions that report to credit bureaus should be required to report payments just as fast as they report credit usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: AL

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please see attached!!!! 
I have reached out to the bureaus and they have failed to comply with my request as a consumer that has rights by law. 
Attached you will find : Letter from the University Letter to the bureaus DL ( Identity Verf. ) Utility Bill ( Identity Verf. ) Picture of Account in question I DO NOT NEED YOU TO START A DISPUTE OF MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAUS ) DID NOT RESPOND / SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF 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 non-monetary relief
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please see attached!!!! 
I have reached out to the bureaus and they have failed to comply with my request as a consumer that has rights by law. 
Attached you will find : Letter from XXXX XXXX XXXX ( Identity Verf. ) Utility Bill ( Identity Verf. ) Picture of Account in question This account obligation was paid and should not be reporting on my consumer report I DO NOT NEED YOU TO START A DISPUTE OF MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAUS ) DID NOT RESPOND / SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Subject : Complaint Regarding Checking Account Discrepancies and Request for Investigation Dear Customer Service Team, I am writing to formally express my dissatisfaction with the ongoing discrepancies in my checking account over the past XXXX and a half years. My wife and I have experienced continual issues where the balance reported by Bank of America does not match the actual available funds in the account. These fluctuations have caused significant confusion and distress, leading to serious financial burdens. 

In total, I estimate that we have experienced around {$3000.00} in discrepancies, with funds seemingly missing or held inappropriately. A specific incident occurred on XX/XX/year>, when I ordered a refrigerator from XXXX and subsequently canceled the order. I should have seen the funds from the hold returned to my account, but it took nearly XXXX weeks for Bank of America to acknowledge the existence of a pre-hold report. Even then, the bank admitted they could not explain what happened with the funds, leaving me to go through my account line by line to identify the issue. 

This situation is unacceptable. The unexplained fluctuations in our account balance have caused us grave financial difficulty, and I have lost confidence in the security and accuracy of your services. As a result, I have decided to close my account with Bank of America. 

However, before I proceed, I formally request that this matter be thoroughly investigated. I would appreciate your assistance in identifying where these discrepancies occurred and how they will be addressed. A clear and transparent resolution is necessary to ensure that this does not happen to other customers. 

I expect a prompt and detailed response, as well as a plan of action to resolve the missing funds. Please contact me at your earliest convenience to discuss how you plan to investigate and address this issue. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution.

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX of XXXX, I lost my purse ( it had my phone, wallet, ID ) and have since noticed unrecognized transactions. 

XXXX was non-responsive to my request for information. 

XXXX I contacted Apple Card for an unrecognized XXXX charge. The representative said they will investigate and keep me updated. However, I received no update or request for information from me. 

XX/XX/XXXX I reached out to Apple Card for an update. Still no response. 

XXXX I was told the case was denied. When I asked why, I received no response. Then, Apple asked me " Have you tried to contact the merchant? '' which I already answered yes multiple times, from the first time I reported the loss. 

Apple Card continued to stonewall throughout the process and provided no evidence, nor detail of the investigation throughout. 

Finally, they agreed to " re-investigate ''. They said it would take a month this time. 

Later, I received the " evidence '' in mail, which was several blanks forms and a receipt of the XXXX ride. Again, I had already reported my identity being stolen, due to the loss of my ID, wallet, and phone. The " ride receipt '' proved little. Anyone in position of my belongings could have taken the ride and generated a " ride receipt ''. 

XXXX, a month from XXXX as promised, I called in. No update. 

XX/XX/XXXX, I called in, a representative named XXXX said " we emailed you the resolution on XX/XX/XXXX ''. I received no communication whatsoever on her specified date or on any date. 

She " resent '' the email on the call and it was the same copy-pasted letter as before. No one reached out to me during the re-investigation. No additional evidence was uncovered or provided. Apple repeated the same gibberish and said " merchant said it is not fraud, therefore it is not fraud ''. 

Apple continued to stall. Case is still not resolved to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Wells Fargo Claims Assistance Team, Subject : Follow-Up on Claims and Investigation Documents Claims # XXXX, XXXX, XXXX Good afternoon,, Thank you for your response and for providing the details regarding my claims. I would like to clarify a few points : I have not yet received the mailed documents related to the {$540.00} transaction that were referenced in your previous correspondence dated XX/XX/year>. Additionally, I am still awaiting the investigation documentation for the claims of {$420.00} and {$650.00}, as my initial request was submitted on XX/XX/year>. I would greatly appreciate if Wells Fargo could provide these investigation documents promptly, as required under Regulation E. 

I have attached additional documents pertaining to the claims for your review. I kindly ask that Wells Fargo reexamine my case and process the chargeback accordingly. Please let me know if any further information is needed from my side. 

Thank you for your attention to this matter and looking forward to your prompt response. 

Sincerely, 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 explanation