vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The following disputes were opened on my Ally Checking account ( ending in XXXX ) : I submitted a transaction dispute on XXXX for a ACH of {$550.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$1500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$1000.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$2400.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$2500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

Each dispute was opened as fraud has been committed by the money service business, XXXX, received my funds but against their terms of services did not make the funds available for my withdrawal at any time and have locked my funds. The merchant, XXXX, is now unresponsive and shutting their company down on XX/XX/22. I have no means to reverse my money out via ACH or any other means by the merchant, despite advertising their services in such a way where I could. I asked Ally Bank to investigate this fraud but instead of doing a thorough investigation they closed each of the disputes above and asked me to deal with the merchant directly. As this is a case of fraud, I am requesting Ally Bank to dispute these transactions with the merchant and resolve the case so that I can receive 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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My father XXXX XXXX XXXX died XX/XX/2021 his account was compromised by several individuals. My fathers debit cards, credit cards were obtained and his entire account was cleared out. Lines of credit were taken out, credit card balance transfers were also done. My brother XXXX XXXX and I are the only next to kin. I had my brother appointed Executor of my fathers estate. We told Navy Federal that our estate didnt authorize any changes or charges that took place with my fathers account. A Estate account was set up in my fathers name through Navy Federal, despite the identity theft done on the account Navy Federal never changed the account number to stop to fraud when we went into the branch and set up an Estate account.

Navy Federal only changed the name of my fathers account to the Estate of XXXX XXXX XXXX My father also has mortgages with Navy Federal and the company is aware that the address was changed to a location in Georgia . We have told Navy Federal several times our Estate didn't authorize any changes or payments. Navy Federal did nothing to correct this, instead the company lied saying my father had multiple loan balances that were obtained after he died. When we went inside of Navy Federal last year we weren't given all of his statements despite them being provided with all the documentation. After the money was taken out of the account, this individual would call and make third party payments on the mortgage. Our Estate did not authorize a transfer of XXXX that was the remaining in the checking account to be transferred to the credit card account that had also been compromised for months. Navy Federal needs to do a full investigation and go after XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I deposited XXXX USD into Gemini Trust Company , LLC today via wire. I received no notice regarding any negative statuses involving my account and I was permitted to buy XXXX. Once I had tried to withdraw the currency to my personal wallet, I received a notice saying that my account had a security hold on it. I contacted support and had sent pictures of myself with my ID for verification, I had to resend photos since the first set was blurry. No response after that. 

I suspect that Gemini is holding accounts XXXX  to stave off insolvency. Gemini Trust recently allowed American and XXXX users to purchase digital British Pound in addition to their digital USD product |GUSD ''. Therefore they have additional sources of liquidity. I have read of other users having similar issues recently that have not been resolved for over 90 days. 

I have never had issues with this company before it is very suspicious that these isssues pop up during a time when many crypto firms are going under due to liquidity and leverage issues. By the way XXXX XXXX XXXX XXXX XXXX I will sit for my XXXX  exam sometime before XXXX. I currently work XXXX XXXX XXXX  for a non-profit. 

****** Gemini missed their last monthly audit report for their GUSD product. see below Very suspicious, new digital fiat product for the British Pound and no Gemini USD audit for XXXX. 
https : //www.gemini.com/dollar

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am looking for a hard inquire to be removed. 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
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, has violated my rights. 

Your company 's in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 you written instructions to furnish this on my credit report?

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 an account without my written instructions Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2022-06-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

Your company 's in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 you written instructions to furnish this on my credit report?

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 an account without my written instructions Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inaccurate and incomplete information is being compiled and reported to third parties on a monthly basis which is a violation of my consumer rights.

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 2022-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 
CFPB, I am filing this complaint so please don't send me form letter stating someone else did it for me. I have been trying for several months to get this account off from all 3 credit bureaus. There was a vacuum demonstration that I attended conducted by XXXX XXXX XXXX but somehow my credit was pulled without my verbal or written consent. I received the attached letter stating that I was not approved to purchase this overly priced vacuum but somehow this outrageous amount was sent to all 3 credit bureaus as collection. I have not signed anything authorizing a check or any purchase agreement or even receive the vacuum. I am asking for a full validation of this account as its not mine. Under FCRA, I am entitled to such request. Additionally, I need to know what right XXXX XXXX has the right to collect on this account under the Fair Credit and billing act. I believe XXXX XXXX XXXX fraudently submitted an application in my name. Even though it was denied and they continue to bill me for service not rendered. 

Disputed account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX of this account is paid off Balance on XXXX XXXX, XXXX {$4600.00} I am in the process of filling a DOJ and FTC complaint for 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 explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IL

Complaint narrative:
Description of Complaint : Discover Card Payment Protection excessive charges to a retired senior. 

My name is XXXX XXXX ; Im submitting this complaint on behalf of my Sister, XXXX XXXX Several Months ago I noticed Lindas checking account was over drawn ; I started looking closer at my sisters finances. 

I noticed large credit card debt, {$24000.00} on her Discover Card, being the largest. 

Starting in XXXX her balance starting going up, a large part of the increased balance is the result of this payment protection Plan. From XXXX to XXXX discover card has charged her card for {$6300.00}, in fees related to this protection program. Interest charges of course went up as the balance increased. 

When I asked XXXX about this Payment protection and why she had it she didnt know she was paying for it or what it was for. 

When we called discover, in XXXX I was told she had been in the program since XXXX. I asked for a refund but was told all they could refund if the most recent payment. To help control expenses I told them cancel the protection plan and proved any refunds they can. I called back in XXXX requesting additional refund, they told me would look into it, but we never heard back. 


Documents : I have attached copy of fees charged for last few years, all I could get from the website..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2 : its also states a consumer reporting agency can not furnish a account with my written instructions.

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 2022-06-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( S ) ; Experian : 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights.

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

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 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
We needed help with our mortgage payments after facing COVID-related employment challenges. We worked out a forbearance plan with our loan servicer at the time was XXXX XXXX but loan was sold to Rushmore in 2020. They stated that forbearance would be honored and after we can apply for a loan modification under the Covid umbrella. We found the communication process difficult because it was a struggle to get consistent information. 
We were assigned a liaison, but it felt like they were never available nor did they seem to have the correct answers. It didnt seem like the representatives documented their conversation either, because we had to retell what was going on each time. 
They told us our credit report would not be affected due to Covid and while we waited for a decision, but each month they kept reporting the negative balance. It is showing now 180 days past due although account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
My identity was stolen not one but two times in XXXX and again in XXXX. I've called the companies XXXX XXXX XXXX Nordstrom, XXXX  ) to report the fraudulent accounts. Within the years, Ive placed fraud alerts on my credit profiles and every time I dispute these items they still come back as verified and accurate. The credit bureaus recently told me to file an identity theft report with the FTC and they would investigate the accounts and remove them. I did that and again, the accounts came back as accurate and verified. I dont understand how they are verifying this with no proof of ownership of the accounts. I've asked them to send out original contracts with my signature on it and none of the companies were able to furnish that information.. A debt collector even attempted to sue me because of a debt that was fraudulently opened in my name. However, I after I explained to the judge my identity theft incidents and told him that I've continuously asked for the original contract with my signature on it which they were not able to furnish the case was dismissed and the debt collectors removed it from my credit report. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I had problems during closing that have still not been corrected as the settlement docs were missing the escrow amount and I have called the original Mortgage person several times XXXX XXXX when I finally got thru to him he sent me to XXXX XXXX who promised to fix this. 1st email from him below XXXX XXXX, I just left you a voicemail regarding your escrow account. I apologize for the mistake and am working with our servicing department to have an escrow account set up for you. Ive attached a copy of the payment letter and escrow disclosure. Due to our error we will be covering the XXXX starting balance for your escrow account. If possible, could you please sign the attached documents and return to me? Please let me know if you have any further questions or concerns. 

Thanks, XXXX XXXX XXXX. XXXX  XXXX 2nd email Would you be able to sign and date these 2 as well? Then thanked me for signing documents I have attached my attempts to follow up with XXXX he finally asked me to call my self not really knowing what or who I was calling I made several attempts get passed to this number then that number I eventually gave up. Several months later I go to make my payment and it is now XXXX a month. I again start trying to call to address with no success. I am fine paying to get my escrow caught up its been about 3 mos now that I have been paying that amount and I am getting concerned that it is going to stay at that amount which is XXXX more than it was when I refinanced for a lower amount in which case I am paying all those fees and whatever else you charge for refinancing for nothing. With the current economy and inflation, gas prices all this planning I did to protect myself should these events occurred ended up costing me more money I am going to start filing any and every complaint against this company until this gets rectified and going thru my documents to do this I saw your email and was hoping 1 last try with the company would work out. I not sure of your position with the company but I feel like the only time I get any where with talking to anyone in this company is if my payment Is late. 

1st payment letter XX/XX/2021 Principal and Interest {$690.00} Homeowner 's Insurance {$43.00} Mortgage Insurance $ Property Taxes $ COUNTY PROPERTY TAXES A {$37.00} SCHOOL TAX A {$150.00} Other : $ TOTAL PAYMENT : {$930.00} -- this is what I'm actually paying XXXX and this is what my payment was prior to refinancing XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
my car was paid off i was not given the title to my car. my car is a XXXX XXXX and my last payment was sent and they put a charge off onto my credit report which i have no idea to why this was done.

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 2022-06-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am have hard inquires on my credit that I didn't allow to be on my credit. 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
Consumer complaint received 2022-06-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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 an account without my written instructions

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