vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I was the original owner of the account and had my ex spouse on the account as well I closed it out turned in my device and paid a termination fee of over XXXX this was back in XXXX over 7 years ago I informed my ex to turn his device in even though it was paid off but XXXX insisted they wanted it back. I have had no communication with him since and was barely informed 2 years ago the device was never sent XXXX sold the debt to AFNI who keeps reselling it back to itself every other month and keep decreasing my score even after j try and dispute it every which way because the debt belongs to my ex for not giving his half back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: MECHANICS BANK
State: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 states a consumer reporting agency can not furnish an account without my Written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 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 non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was having trouble logging into my account on Webster bank previously known as sterling national bank staff at XXXX facility were not very helpful telling me i was doing something wrong ; when in fact there was something wrong with the site itself. In the meantime i finally got someone named XXXX to help me solve the problem ; in the meantime someone had wrote a fraudulent check for {$20000.00} out of my account. When i received my bank statement and saw what happened i went directly to the bank in XXXX and they said to come back the next day and they would help me they told me that the transaction was done 3 weeks prior and there was nothing they could do. They closed the acct and had me open a new one. No one at the banks are giving me any information. When i asked them why they would approve a transaction like that without my approval they had no comment. They are not being very cooperative with myself nor providing any information to the investigator that is working the case Please help me figure out the next steps to receiving that stolen money back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I deposited checks on XXXX XXXX not realizing they were doing a scamming. The company that sent the checks or the people who I was speaking to told me it was for a job and while I did search the company and all everything seemed legit and nothing seemed sketchy. After a day the people kept trying to pressure me and asking if the checks deposited that when I realized it could be fake and I tried to cancel the checks but it was already too late. I understand the policy of the bank and why they had to close it but I just wasnt asked any questions I have to evidence of when I spoke to the people and why I thought it was all a real job I just wish further investigations were made for the case.

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 2023-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I pay my mortgage and escrow on time ( EFT ) to Loan Depot. I recently got a delinquent tax bill and when I called them they said they would take care of it. 

Since then they said a payment was sent, but the tax office never received payment. They have a XXXX tracking number but it shows as never picked up by the shipper. 

If this isn't resolved by XX/XX/XXXX there will be additional action taken against me by the tax claim bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
When I took out the loan I first had asked for {$1500.00} I was there with someone and asked if they could co sign so they would be responsible she said no we can only put you in the loan I had to pay to get the loan and it was not credited to my account when I was presented the document I asked if I could take them and read them and she loan officer preparing the agreement on a computer with the screen facing the loan officer. 
The loan officer had Me accept the agreement on the computer, but the loan officer did not turnover control of the computer to me so I could see the entirety of the agreement i was accepting. So she summarized it for me saying I will receive pages through my e mail she said she will send them to me and I have 3 days to read them and give back the money I never received the paper work to my email or anything I dont know what I agreed to. I then got calls every day 5 times a day to extend my loan to give me time to re pay i had to pay a fee each time and I was told it would go against my loan repayment and when I went to pay the amount due on du date she says non of the payment goes towards my loan its only to give me more time to pay which that was not told yo me in the beginning I was told to pay that amount and it would be tapping my loan I still dont have paper work or anything to explain my fees and when I will be able to pay my loan off by making these payments the payments are higher than my car note and my vehicle isnt even worth what I was able to borrow.I ended up maxing out and still no time to review anything titlemax intentional misconduct I have given them over {$500.00} and nothing is towards my loan I dont understand and cant pay when I went to look for dates and document they closed My title max account and nothing is linked to it and they wont let me back in my naccount saying I need to make a payment first

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank offered a Deposit Bonus Promotion. If a customer deposited money from another institutions into an existing Ally account between the dates of XX/XX/XXXX and XX/XX/XXXX and kept the money in the Ally account until XX/XX/XXXX the depositor would receive a 1 percent bonus on their deposit amount on or by XX/XX/XXXX. My spouse is also in this predicament. 

I registered for the promotion, received confirmation that I successfully registered, and then deposited {$50000.00} into Ally from an outside institution on XX/XX/XXXX. I kept the money in the account well past XX/XX/XXXX. In fact I still have the deposit with them as of today. 

Ally did not pay the bonus by XX/XX/XXXX and still have not paid it as of XX/XX/XXXX. I have called 5 times and they keep saying they are working on it. A manager in Ally 's customer service department said that they have been flooded with calls but have no time frame for it being resolved. There has been no communication from the bank on this. On my calls to them, they have said it would be resolved first within 3 to 5 business days, then they said 7 to 10 business days, and now they say the can not give a time frame at all. 

This is a deceptive practice, so I am notifying the CFBP.

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 monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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

XXXX XXXX, account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of information, any other adverse of the information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-03-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. Accounts need to be removed from 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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Got a letter from Synchrony Bank saying I was denied a CARECREDIR card issued by them due to insufficient credit history. When trying to call the number listed : XXXX as I never applied it asked for my full social security which instantly seemed like a scam. I did not proceed with the card and I looked up online for CARECREDIT and was met with a different number and AI voice director. I am assuming this is a scam to get information but I do not want to throw it away. I have pictures of the letter.

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 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I received a notice for a debt collection and the next day it was on my credit but there was no prior notice of any amount due at all. 

I had no idea that I owe any money to XXXX XXXX XXXX, as nobody reached out to me, the driver on the insurance changed all the details without notifying me and I did not receive any notice at all. 

But I never received any notice of any due amount and now it has been added to my credit as debt collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: MO

Complaint narrative:
In the past 60 days, I have disputed accounts that are the result of identity theft. Both times, Experian has accused me of utilizing a third party such as a credit repair company. I have sent additional letters & called with documentation proving that I am NOT in fact using a third party. 

This experience has been very hurtful to my finances as well as my consumer 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 2023-03-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX  XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX XXXX and I will attach the documents. Also, the amount that XXXX funding is reporting is not correct. The correct amount that the original creditor gave me is {$8400.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. The account I had with XXXX XXXX  was in 2016. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.

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 2023-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Celebrity Financial, Inc.
State: NV

Complaint narrative:
We have requested a Loan Modification application to our mortgage company which was denied. I have submitted the appeal on the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
had several instances when account was overdrafted and i would send money to cover and would be told that it didn't post before the overdraft did. would still be charged a fee.

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 monetary relief
Consumer complaint received 2023-03-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted a dispute on XXXX about incorrect late payment reporting on my account for XXXX XXXX to Equifax. They did not do an thorough investigation, as they responded within 6 hours just showing my payments online. They are disputing I was 60 days late on XX/XX/2022, On time payment for XXXX 2022, 60 Days late for XXXX  2022, 90 days late for XX/XX/2022, and 120 days late for XX/XX/2022. This is invalid data. On my XXXX report I am showing 1 late payment for XX/XX/2022 at 30 days late. This is the only correct late payment. I have reached out to their support team via email several times to rectify this and they have not responded. The email I am sending it to is XXXX XXXX

Company response to consumer: Closed with explanation