vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ), 16 CFR 433.1 ( b ) and 12 CFR 1005.2 ( b ) ( e ).

I have been scammed for {$10000.00} that was transferred via Bank of America zelle to the scammer, the scammer stopped answering my phone calls and text after receiving the funds. I have filed Claim # XXXX, XXXX and XXXX with Bank Of America to help me recover the funds. 

Bank of America shortly after, closed my claim that told me that they are unable to help me. Bank of America is XXXX of the founders of XXXX. I am really on my last dime, I need that money. 
I need help recovering those funds. The XXXX XXXX XXXX is protecting electronic transfer

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 2023-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/2020, Ally Financial repossessed my vehicle. I didn't consent to any paper work for them to resale my vehicle, because initially I wanted to pay to get the vehicle back. The car was then resold without my consent and there was a remaining balance of {$41000.00} left for me to pay. By law, I was supposed to receive a bill of sale or some kind of documentation stating what the car was sold for. I haven't received anything from Ally Financial. They also falsely reported late payments onto my credit. 

I have reached out to the company to resolve this, but they haven't gotten back to me. 

I am asking Ally Financial to delete the entire profile due to false reporting and failure to provide the XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

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 2023-01-04 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: CA

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third-party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I would like my name corrected on my consumer report, and I would like nicknames and so forth deleted from my consumer report, In essence, by the law 5 U.S.C. 552a, Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third-party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third-party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

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 2023-01-04 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: CA

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third-party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX i am taking action because i keep getting refused for bank accounts and other things i have been a victim of identity theft and every time i apply i get denied when in all reality XXXX XXXX XXXX  was just dischgarged and i should have nothing in the early warning system they keep telling companys false information and getting me denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For almost XXXX months, I have been living in an expensive hotel. Because no rental company can access my credit file. No matter how many times I call experian and am told there isnt a freeze or fraud alert or block, every time I apply for a place to stay the answer is always the same. They can not access my credit report. At This point this is costing me thousands and my family is displaced. How hard can it be to fix whatever is preventing rental companys from seeing my credit report? I see that to resolve this I am left with no choice but to file legal suit. Experian is either not trying to fix it or they cant fix it and either XXXX is unacceptable.

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 2023-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Rocket mortgage failed to consider a canceled debt in the refinance process and had us pay a debt that was canceled and provided to them as well as failed to remove several of the creditors under there refinance team. As well as when we applied for a forbearance they made us sign refinance documents within the year raising the cost of mortgage due to a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name XXXX XXXX XXXX, NY XXXX AMEX Gift card fraud charges on card worth {$500.00} AMEX XXXX # XXXX XXXX XXXX Fraud charges from XXXX on : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$10.00} Total fraud charges {$470.00} XXXX case # opened on XXXX, XXXX at XXXX EST I was given this XXXX case # XXXX I called AMEX Gift card and they closed the card on XX/XX/XXXX. 

XXXX indicated they refunded money to gift card on XX/XX/XXXX. AMEX customer service indicates money has not been refunded by XXXX. 

I sent a registered letter to AMEX on XXXX with this information and they have not responded. AMEX has not even provided the balance on another card. 

On XX/XX/XXXX, AMEX indicates they can't find my card number and it doesn't exist. 

I am being cheated out of {$500.00} and require your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third-party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

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 2023-01-04 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
Reaptedly, I have asked ChexSystems to review the information they give out on my report, as I can not open up a bank account. I have applied to just about every bank, or financial institution literally in Washington state. I am-continuously denied after being granted an account opening solely because of the information that ChexSystems is reporting and refuses to correct. Upon further investigation check systems refuses to remove any of the disputed items. A fraud warning is a main alert on my file and this is severely WRONG. XXXX to XXXX different bank companies or roughly 70 pages, all with a denials are currently being reported. All of this is an accurate! Ive communicated the blatant and astronomical number of inquiries and the in accuracy of the report mixed with the speed in his items to no avail. I can not get a bank account in the United States! I can not have some place to put my money safe? Its so bad that even third-party insignificant companies like XXXX refuse to work with me because of the things that check systems are reporting.

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 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage was transferred to Mr. Cooper in XX/XX/XXXX and I received a " Welcome Letter '' that stated my monthly payment would be {$1200.00}. Then starting in XX/XX/XXXX without any explanation they raised my monthly payment to more than {$1300.00} per month. I inquired with the company multiple times via phone and never received a satisfactory answer. On multiple occasions the " customer service '' rep would simply hang up on me as they " did some research '' to figure out what happened. The price increase has occurred on the escrow portion of the bill but they will not explain to me whether its my taxes ( XXXX XXXX XXXX XXXX so not likely ) or the insurance. I have asked to have my account changed to a non-impounded account so that I could pay the insurance and taxes myself but they have denied my request. They send me complicated bills with lots of charges and " unapplied funds '' and now they are saying my monthly payment is now more than {$1400.00}. I have never been so frustrated with a company. Meanwhile, my XXXX mom lives in the home that is affected by this mortgage and she is worried about losing the home because the company CONSTANTLY sends letters saying we are behind the on the mortgage, etc. I really feel like are trying to take advantage of homeowners to extract extra fees. I saw that there was a CFPB judgement against them in XXXX for this exact type of behavior ( Docket Number XXXX ) and I believe they are still doing it. Please help me put an end to this. I'm happy to pay my mortgage in full and on time but I am worn out with their terrible behavior. This is not how it should be in America and I'm looking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent letter on XXXX XXXX XXXX XXXX for account XXXX that has inaccuracies and shows that I owe {$4500.00} to XXXX and TransUnion.

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 2023-01-04 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On Thursday, XX/XX/XXXX, I cashed my check of {$1200.00} at a XXXX XXXX. I then went to a Huntington Bank in the XXXX  XXXX on XXXX XXXX XXXX XXXX and deposited the money into my checking account at the ATM. After I put the money in the machine, the machine showed an error message and gave me my card back, but no receipt. I spoke the teller and she told me that they don't have access to the ATM or the cameras, so I would have to wait XXXX business days to receive the money. It is now Wednesday, and I still haven't received my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I had a credit card account with XXXX XXXX that went delinquent for several months and the account was eventually closed. XXXX XXXX  then sent the debt to Cavalry SPV I LLC which is a debt collection agency. By this time, I already enrolled in a debt consolidation program thru XXXX XXXX XXXX. The amount owed at the time was {$4000.00}. XXXX XXXX worked with Cavalry to see if a settlement could be reached. On XX/XX/21 a settlement offer letter was sent to me after both parties finally reached a agreement. Cavalry agreed to accept {$2000.00} instead of the original debt of {$4000.00}. Four payments of {$520.00} was scheduled for XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. Payments were made and successful for the first three dates. However, the last payment was rejected by Cavalry. The debt was then sold to a 3rd party collection agency ( XXXX XXXX XXXX. ) seeking the original amount of {$4000.00}. I never received credit for the first three payments {$1500.00} ) nor did I receive my money back. The 3rd party is currently taking me to court for the full amount with XXXX XXXX full support. First they went back on the settlement that was reached, then they basically took my money, and now they want to take me to court for the original amount. This is just wrong and so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like my name corrected on my consumer report, and I would like nicknames and so forth deleted from my consumer report, In essence, by the law 5 U.S.C. 552a, Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol.

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 2023-01-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act the account listed below 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. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello My name is XXXX XXXX XXXX. I have called the all XXXX credit bureaus and literally spoke to someone directly to correct my addresses and names and current address. 

To my surprise It's as if I never all them at all? It seems as if my information got worse When I tryed to get a loan I was denied many attempts and nothing only to find out the credit bureaus did not update my names or addresses. It seemed as if it got worse This is totally intolerable - I have to call my attorney to see what he can do? 

Also, note 3 years with XXXX different companies to clean my credit and reputation Please help in this serious matter I have nothing but denial letters with high interest rates and does not make any sense! 
My credit was at XXXX and dropped by XXXX and completely deny my credit was higher and can not understand how it dropped when my XXXX is low 18 %

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