vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing the Consumer Financial Protection Bureau as I believe banks could do more to protect their customers during XXXX money transfers. Here is how I lost {$200.00} : I sent money using the XXXX feature on my Ally Bank account to a phone number I had previously and successfully sent money to. Unfortunately, I learned that they had changed their number and the older number I sent it to is not in service ( I tried calling the old number and I get an automatic message saying the number is not in service ). Ally told me there was nothing they could do. XXXX directs me to my bank. 

I have zero recourse. I contacted the intended recipient and they let me know they changed their phone number and that one of their children also recently was unable to recover money sent to her incorrect phone number. 

To clarify the entirety of the XXXX money transfer process, I'll walk through the steps in the paragraph below : I sent {$200.00} on XX/XX/2022 to a family member from my checking account using XXXX from my Ally checking account. I sent money to her about a year ago and Ally still showed them as a recent contact. When sending money, the name of the person is clearly displayed throughout the process. On the last page, right above the final 'Send ' button, there is the following message : " XXXX needs to enroll with XXXX using ( xxx ) xxx-xxxx to get the money. 

By choosing Send you authorize this payment. If you want to cancel before the payment processes, you can go to Activity. For questions, call us anytime at XXXX. '' There is no warning to verify the person 's phone number is correct. When using XXXX with other banks, I would be prompted with the recipient 's first name before I sent the money as a confirmation. Ally doesn't warn or try to protect their customers. 

I talked to the intended recipient and she mentioned that the same thing I'm going through happened when her son tried to send her money as well. They also had zero recourse. It amazes me how there is no consumer protection. Nothing was in place to stop the same issue from happening. No system to flag phone numbers or email addresses. 

To summarize, here are my complaints : 1. Ally doesn't do enough to warn its customers that the transaction is not reversible. One could argue that the message shows on the final 'Send ' page insinuates that the transaction isn't final. There is a false sense of security. 

2. XXXX allows disconnected phone numbers in their system and will take payment without any verification that the phone number is still active. 

3. There is zero accountability. There needs to be a system in place for official complaints to specific email/phone numbers. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: MS

Complaint narrative:
Equifax and XXXX have reported incorrect information on my credit report for account XXXX XXXX. it is affecting my credit to the point I can not get a job or purchase a home Account details about worst payment status of XXXX days late is inaccurate on my XXXX report XXXX Equifax report is reflecting the same thing which is derogatory and affecting my credit as well. I have mailed in custody papers showing I have custody of my child. I have requested validation of the account. I have requested a copy with my signature on it showing where there is a signed agreement between me and this company. I have requested documentation that I gave permission for this account to be reported to the credit bureaus. 

I have also disputed inquiries on both reports ( XXXX and Equifax ) that I do not even have active accounts for that were done fraudently in my name and Equifax and XXXX refused to remove them from my credit reports They have refused every single request and have not provided me with anything I have put in writing sent to them certified along with my identifications to verify I am who I say I am as well. 

Due to them violating my rights, I have ben refused jobs and now I am being refused purchasing of a home because of this. I am attaching my current XXXX report because it is not on my report and the other two credit reports should reflect the same as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AR

Complaint narrative:
On all three credit bureaus, there is a XXXX XXXX account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, XXXX  XXXX shows NO account at all with the number I have, under my name or SSN. XXXX XXXX says the Credit Bureau should remove it - The Credit Bureau says it is XXXX XXXX who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, XXXX XXXX confirms the account isn't attached to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On all three credit bureaus, there is a XXXX XXXX account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, XXXX  XXXX shows NO account at all with the number I have, under my name or SSN. XXXX XXXX says the Credit Bureau should remove it - The Credit Bureau says it is XXXX XXXX who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, XXXX XXXX confirms the account isn't attached to me at all.

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT INFLENCE FROM ANY THIRD PARTY OR AGENCY

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
XX/XX/2022 I applied for a balance transfer from Barclays XXXX credit card A few days later I noticed that Barclays had taken money from an account unrelated to my account. Barclays took this money and gave it to another account, unrelated to me.

Barclays still charged my account I contacted Barclays and told them " You took money from someone and gave it to another and still charged me! '' It has been almost a month and nothing but the run around. 
Barclays is charging me interest and set a date for the first payment on XX/XX/2022! 
Barclays " We are investigating, it could take up to 60 days! '' What is there to investigate? Barclays took money from another persons account and gave that money to another persons account and still managed to charge me, for this!

I've included a screenshot that shows Barclays transfer from an account ending in XXXX ( not my account ) I have XXXX credit card account with Barclays that ends in XXXX Thanks for your time

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 2022-04-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting and 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 Section2 : It also 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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian did not update, correct or delete the XXXX XXXX account ( XXXX ) from previous disputes. This account still shows inaccurate payment history with huge gaps of no payments reporting at all, even though Experian says it was updated. The last status update was XX/XX/XXXX, not XXXX or XX/XX/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 2022-04-15 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: MN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 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 2022-04-15 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND XXXX  ACCOUNTS -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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 non-monetary relief
Consumer complaint received 2022-04-15 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: NJ

Complaint narrative:
On XX/XX/XXXX, after I reviewed my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all of the inaccurate addresses that did not belong to me, unfortunately, after 35 days I reviewed my updated Credit Report and I noticed that they updated the address but they did not remove the erroneous information on XXXX and EQUIFAX, so I am now taking the extra step, because I really need these addresses to off of my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
To whom it may concern, I have been going back and forth with Freedom Mortgage for several months about my account. In XXXX of XXXX I did a remodification of my loan. My first payment as I understood was to be XX/XX/XXXX. In the amount of XXXX. I made that payment a few months later you contacted me and told me I was behind. I was told by your reps I made the payment to early and they had accidentally put it into an unapplied funds account. The monies as you will see were put in there, then taken out and put back in again. Each time different amounts for whatever reasons. Each time I talk to you I am told, we're sorry this will be expedited and fixed. It has been put on my credit report several times then removed. I have gotten at least XXXX calls a week from you for almost an entire year, yet it is still not fixed. 
On XX/XX/XXXX I spoke with rep # XXXX. She told me as of XXXX XXXX my payment went up to XXXX. This was the first time I had heard this, yet I had just spoke to a rep there the previous week. She told me I needed to pay XXXX to make up for XXXX XXXX and XXXX of this year. I have already paid out for these 3 months a total of XXXX. Somehow your saying for the 3 months my mortgage increased it cost me XXXX? Now that makes no sense at all. 
When I asked why my payment went up almost XXXX. She said it was due to my insurance rate increasing. Well it did go up an additional XXXX plus dollars. But that equals only an XXXX amount increase each month. 
I would like and am demanding copies of the internal banking/ funds I have paid and when and where they have been applied. I have been told on XXXX separate occasions that a XXXX would reach out to me. Not once has XXXX and it is going on a year now. 
It seems to me someone didn't update my file correctly, accidents do happen and we only see what was entered into the system. If it's entered wrong, hence we see it that way. 
The remode cost me XXXX added to my loan. Now it's right back to the same payment it was before the remode was even done! Seems I was charged the XXXX but the remode never really was completed properly, now my credit is ruined and I owe you more money than I should. 
According to the RESPA act I have the right to all of these records. There was a severe error made on my account and I would appreciate it actually really be expedited as I've been told. 
I look forward to hearing from someone who can look into this from the very beginning, not look at a computer screen that had the wrong information put into it. 
I will be forwarding a copy of this letter to HUD also.

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 2022-04-15 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: NJ

Complaint narrative:
On XX/XX/XXXX, after I reviewed my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all of the inaccurate addresses that did not belong to me, unfortunately, after 35 days I reviewed my updated Credit Report and I noticed that they updated the address but they did not remove the erroneous information on EXPERIAN and XXXX, so I am now taking the extra step, because I really need these addresses to off of my Credit 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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT INFLENCE FROM ANY THIRD PARTY OR AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT INFLENCE FROM ANY THIRD PARTY OR AGENCY

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a Loan from the SBA, prior to receiving that money, I called citibank to ask them if they were confortable with that money deposited in my citibank checking account and the Agent said YES. 
4 days later, citibank put my account on hold requesting additional information. 
I provided those information and they released my account. 
2 weeks later on Thursday XX/XX/XXXX they put my account on hold again asking me the exact same question. 
I provided all the documents on monday XX/XX/XXXX. 
Citibank told me they will be done reviewing my account on Friday. 
Today Friday XX/XX/XXXX, I called them and they say my account is still under review. 
Honestly i dont know why are they doing that. I filed a complaint at first and received a document from citibank saying the issue was resolved but i dont know why Im still not authorized to use my account

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 2022-04-15 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: NJ

Complaint narrative:
N accordance with the fair credit reporting act, XXXX account # XXXX/ XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing 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 2022-04-15 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: NJ

Complaint narrative:
N accordance with the fair credit reporting act, XXXX account # XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 AXXXX 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 these accounts listed below have violated my rights. 

Account name : XXXXDept of ED account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. 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 2022-04-15 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:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions these accounts listed below have violated my rights. 

Account name : XXXXDept of ED account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX

Company response to consumer: Closed with explanation