vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have been banking with ally bank for about 2 years now. I recently began experiencing issues with identity theft as well as unauthorized usage. I follow the baking rules and file the claim online and submit statements in writing with regards o what I think occurred. This last time I was violated in early XXXX and filed a claim. I was told my new card was ordered and on the at. I started receiving notifications before XXXX XXXX that my card was being declined for charges. I went to check online to see what occurred only to be told that my account is locked and I have no access. I reached out to ally bank and spoke with an agent who asked a series of questions and assured me that by Monday of the following week, I will have access or someone will reach out to me. I didnt hear anything and reached out again and was told it may take an additional week, I called this morning and spoke with an agent named XXXX who advised me that there is no timeframe and I will just need to wait. Meanwhile I have no access to my funds. I asked what is going on and the agent hung up the line. I called back and spoke with investigator XXXX who advised that there is currently a filed dispute with ally bank. She looked at the account overall and the checking account over the past 6 months it had been many disputes. I explained to XXXX that I am a victim of identity theft and went through a similar occurrence with XXXX XXXX XXXX. She continued to ask routine questions and then moved on to advise that with the loss prevention department, they dont have any process or handle with disputes. There was no regard for what I advised and she just explained that this process is not familiar and they are concerned with fraud and security but not me as a customer.

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 2021-12-06 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: Receivables Performance Management, LLC
State: MD

Complaint narrative:
This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) was opened in my name on XX/XX/2020 & I am reporting Fraud. I never opened an account in XXXX XXXX, CA. Someone stole my identity.

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 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: NV

Complaint narrative:
Charles Schwab has put a hold on my checking account since mid XXXX. I've called 5 times and they just say the account is on hold for security reasons with no other information. I've verified all the information they've asked. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TX

Complaint narrative:
I have two checking accounts with Bank of America ; one ending in XXXX and one ending in XXXX. On XX/XX/XXXX, I called Bank Of America to close the account ending in XXXX and consolidate all of my funds into XXXX. The agent I spoke with was helpful and was able to move all of my remaining funds in XXXX into XXXX ( confirmation # XXXX ). The agent told me it would take a couple of days for the account to show as closed and we hung up. The following week on XX/XX/XXXX, I noticed the balance in my XXXX account had gone to {$0.00} and a cashiers check for my full account balance had been issued. I immediately called Bank of Amierca to try and issue a stop pay on the cashiers check and restore the balance into my XXXX. At this time, both of my accounts with BofA were showing a {$0.00} balance and I had zero access to liquid funds. The agent was not able to resolve my issue and opened a complain interally ( case # XXXX ) and said I should recieve a call back withing a few busienss days. BofA failed to follow-up with me and I had to make several additional outbound calls to try and resolve without any success. The XXXX account was closed without my request and the XXXX account was still open. 

On XX/XX/XXXX, an automatic payment on my credit card tried to draft from my now closed XXXX account and was returned resulting in a {$29.00} fee charged to me by my credit card issuer. 

On XX/XX/XXXX, the cashiers check for my remaining XXXX balance arrived via mail and was deposited into a new checking account I created with a different bank. 

There were 6 days where all of my money was unavailabe to me due to an issue by Bank of America which created financial difficulties. I do not believe BofA took sufficient action to escalate the issue and resolve internally.

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 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
A few years back, I ordered my credit report and noticed a collections. I disputed with XXXX XXXX XXXX/debt collector and advised this was not my account. I was advised that the account was in XXXX name. Well, I have never heard of nor used a fraudulent name. I asked them to provide me with verification of the negative item. Nothing was provided so they removed it from my credit. 
Fast forward to XX/XX/2021. I got a credit alert advising a collections has been added by IC System. Since I am a victim of identity theft and have taken necessary steps to protect my credit along with filing a police report in the past, XXXX XXXX XXXX was unable to provide accurate information. Unfortunately, I am having to dispute this again which is causing unnecessary XXXX  and time. I don't understand how XXXX XXXX XXXX would sell a fraudulent account.. I am requesting a copy of the original contract between myself and the original creditor and original application with my signature.

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 2021-12-06 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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
This company is still reporting this account on my report after I filed an FTC report for identity theft. This is not my account and it was opened as a result of identity theft. They still refused to remove the account after I sent in my FTC report documents.

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 2021-12-06 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX making such false claims that shes available to speak with me any time concerning my mortgage. Only to find out is that she may not be an individual currently employed at Wells Fargo because Ive tried reaching her dozens of times @ XXXX XXXX XXXX and it goes straight to Voicemail dated XX/XX/XXXX. Plus she has lied claiming that I was continuing getting calls because someone wanted to speak with me pertaining to my mortgage. After already knowing the fact that I had an Attorney by the name of XXXX XXXX to whom I had to fire because he lied to me prior to taking on this case claiming that he had absolutely no associations with Wells Fargo. Only to find out is that he has a Bank Account with them and was working undercover with them to set me up. And the so called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ext XXXX keeps avoiding me and hasnt returned any of my calls and this is inappropriate behavior coming from supposedly professionals. And Im willing to try and work things out with Wells Fargo but they continue to play games and cater to XXXX XXXX as my attorney whose a former XXXX for a Former Ruthless District Attorney. Im requesting that these Wells Fargo Employees be investigated for their illegal activities and that a Manager or a real higher up official gets back with me because XXXX XXXX and XXXX XXXX are just customer Service Represenatives who only works in a cubicle

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 2021-12-06 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: FL

Complaint narrative:
U S DEPT OF EDXXXX Account number XXXX Balance XXXX U S DEPT OF ED/XXXX Account numberXXXX Balance XXXX Address XXXX XXXX XXXX XXXX XXXX, IA XXXX the account is report twice with different amounts and past do I do not know this company and have never done business with them

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 2021-12-06 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: MI

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2021, I used PayPal under the impression that I was paying for mentoring session through XXXX XXXX XXXX. 

I was speaking with XXXX XXXX who is ( was ) an employee of the company. I was always under the impression that I was speaking to her as she was a representative and consultant of the company. However, she had me to sign up and pay for the services through her own company ( XXXX XXXX ) instead of XXXX XXXX XXXX without my knowledge. 

She even uses the same exact platform as XXXX XXXX XXXX and copied their set up so that I would not know the difference. 

A fraudulent bait and switch was used to have me to send money to this persons ( XXXX XXXX ) own personal PayPal instead. So {$1100.00} was sent to her personal PayPal under false pretenses making the contract null and void. I was always under the impression that I was working with XXXX XXXX XXXX the entire time and XXXX was just XXXX of their consultants representing the company. I was deceived. A police report has been filed. DC # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, My XXXX  scores shows a big discrepancies between what it shows to my in their website ( XXXX, Equifax ) than the lender  credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX  score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in Equifax and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
hello, I logged in to my account and saw some unauthorized inquires on my account, I called in and they told me to attach my FTC report, my ID and social security card to my letter and they'll get it removed. in my supporting documents is everything that I understand that needed to be submitted. please remove these unauthorized inquiries off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXXhas NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
1.I have never had an account with this company XXXX XXXX XXXX XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are THE LAW OFFICE OF XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This complaint goes with the first complaint that I filed against Chase on XX/XX/XXXX. Now, we have reached and are past the 90 days that Chase has to investigate this matter. I first reported this on XX/XX/XXXX. Today is XX/XX/XXXX. I've never received any conditional credits, have been charged late fees, and communication has been so very limited. I've tried reaching out several times and have wrote several secure messages. 

Chase is way past the 90 day period of investigation. 
" The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' Chase closed my account during the dispute. 
" The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I've requested documents and copies of investigation. I've received nothing. 
" If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. '' My account should be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation