vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
For about a week, my bank, Ally Bank has held a negative balance of XXXX in my account for no apparent reason. I tired to call the bank and tell them twice, but both times i was told they would check it out and make a case and i would be contacted again if needed. Nothing has changed in 3-4 days since i contacted them. My account is still negative. I have not gotten an explanation for this and whenever i try to talk to customer service the wait time is ridiculously long every time. There is no way i owe this much or have a negative balance at all. Im getting extremely fed up with this bank. Bad customer service as well as terrible mobile banking experience as ive been locked out of the app many times and only way to get access back is to call and wait 30-55 mind every time, its 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 explanation
Consumer complaint received 2022-10-18 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: NY

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

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 a account without my written instructions.

15 USC 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 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 2022-10-18 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: NY

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

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 a account without my written instructions.

15 USC 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 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TN

Complaint narrative:
My 2nd mortgage was XXXX in XXXX XXXX XXXX XXXX  I have 2 issues : 1 ) I requested numerous times to receive all my statements and communications electronically. To date, they refuse to do so citing the law doesn't allow them to do so. However, doesn't Regulation Z with the E-SIGN Act allow electronic communications? 

2 ) Recently, I offered a lump sum payment of {$2000.00} to settle my loan, with has a $ XXXX plus balance, in full since I haven't made any payments in the past several years and don't see being able to make any payments in the foreseeable future. This was rejected originally and on appeal per XXXX XXXX at 21st Mortgage. She emailed me the same modification offer after each review which I had to decline because of not being able to make payments. When I responded I couldn't do that she replied " I will notate that you have no intentions and we will proceed as necessary on our end. '' They keep billing me with monthly statements and a separate monthly letter advising how many months I'm behind to bring the account current. I feel they are setting me up for foreclosure to take my home since they won't work with me on the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To Whom It May Concern : Much like many other financial institutions I have had problems making payments. Barclays during an extended period of time didn't give me access to their website to make payments. They locked me out. They didn't give me an alternative to pay. The only institution that didn't want to accept money. I believe this was done in a malignant way. Since this is a XXXX Company I had a very hard time getting through. I eventually got a hold of the CEO in XXXX and I got a response. But nothing got resolved. I spoke finally after about 10 calls to a person that opened the website to me and gave me the opportunity to make payments. By this time I was very late and delinquent because they didn't want to accept money. After having them open the website I was able to start making payments but they were reporting everything to the credit agencies as delinquent. It has hurt me in every way financially. I am now in better standing but they have not reinstated the credit card. They continue having it cancelled and therefore hurting my credit score. It has taken a tremendous amount of time from my work and therefore hurt my family financially.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
MERCHANTS CREDIT GUIDE is aware that I refused to pay the alleged debt they say I owe. MERCHANTS CREDIT GUIDE is aware that the alleged debt is a result of identity theft. MERCHANTS CREDIT GUIDE has been requested to cease and desist all collection efforts through all mediums. MERCHANTS CREDIT GUIDE has also been requested to cease and desist communication through any mediums including credit reporting agencies. 
MERCHANTS CREDIT GUIDE was notified in XX/XX/2022, XX/XX/2022, as well as XX/XX/2022 about the fraud taking place in this transaction. MERCHANTS CREDIT GUIDE continues to harass me for payment yet hasnt provided the following : A. Original Account-Level Documentation B. A chronological listing of the names of all prior owners of the Debt and the date of each transfer of ownership of the Debt, beginning with the name of the Creditor at the time of Charge-off, if Respondents are initiating a Collection Suit on behalf of a Debt Buyer C.A certified or otherwise properly authenticated copy of each bill of sale or other document evidencing the transfer of ownership of the Debt at the time of Charge-off to each successive owner, including the Debt Buyer on whose behalf Respondents initiate a Collection Suit. Each of the documents evidencing the transfer of ownership of the Debt must include a specific reference to the particular Debt being collected XXXX. A document signed by the Consumer evidencing the opening of the account forming the basis for the Debt ; or ii. Original Account-Level Documentation reflecting a purchase, d.

payment, or other actual use by the Consumer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocky Mountain Capital Management
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acctt # Our Reference Number : XXXX Original Creditor Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Creditor To Whom Debt Is Owed : Rocky Mountain Capital Current Creditor Account Number : XXXX  Total Balance Due : {$500.00}, has violated my righ

ts. 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 cons

umer reporting agency can not furnish a 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 informations inaccurate. 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.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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.

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 2022-10-18 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: IL

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

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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.

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 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I am the victim of identity theft. 4 years ago, I discovered this when I was purchasing my 1st home. All the fraudulent accounts went to collection, and I had to file a police report and send all of my identifying information to all 3-credit bureau 's which included my drivers license, my professional work license, my social security card, my birth certificate, and a utility bill. Each time a collection company tries to reach out to me I inform them of the identity theft. Unfortunately the companies just sell the information to another collection agency. On XX/XX/22 I received an alert that there was a collection on my credit file. I immediately reached out to the company who stated a debt was owed for {$260.00} dollars but was not in my name the debt has my 1st name XXXX, but a different last name " XXXX XXXX '' a name I have never went under. My name is XXXX XXXX, I have never went by the name XXXX XXXX. I made this company aware of the identity theft and using a fake last name with my social security number. This company has never reached out to me before they flagged my credit report. I have reached out again to all 3-credit bureau 's again and reported this account as fraud. The representative was rude and dismissive and ended the phone call with me. I do not owe any current debt with this company. I asked the representative who the original debtor was so I could reach out to them to inform them that this account was open under fraudulent premises, but she would not let me know and ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My Mother passed in XXXX and we are currently in forecloser at our property in XXXX XXXX XXXX and ( BANK of AMERICA ) sent someone to the house to winterize the property and they broke into the house without notification to ME the Executor of the property! My sister was still living there but was on vacation. These people went inside and went through my Mom 's jewelry box and they changed the locks so we couldn't get back in!! We are in Probate and are in the process of selling the property and they had no right to enter my house without notification!!!! 

Again Bank of America needs to contact ME before any other action is taken!!! 

Please help? .....

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 2022-10-18 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Someone reached out to my HR deposit posing as me requesting to change the direct deposit information for my paycheck. They filled out a XXXX XXXX authorization form and sent in a Moneylion voided check showing my name but not the correct address at the top left. I called Moneylion to report the account opened in my name and they advised it was not in my name and they could not tell me who it was trying to impersonate me to my company. I do not know how this person was able to track me to my employer or my HR director, but they almost took my entire paycheck. Thankfully ADP alerted me that my direct deposit information had been updated or I wouldn't have known and the check would have been put into this account. The information of the account is as follows. Moneylion advised they deactivated the account, but I just want to be certain so they cant use it to scam someone else. 

XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX credit card has not updated since XX/XX/2022 on credit report. They switched from Comenity to Bread Financial around that time. Ive sent in complaints to the company multiple times and they just say they cant help me at this time. XXXX says they cant help. 

Im in the process of buying a home and its showing Im using 13 % of my Balance when its been paid off since XX/XX/2022. 

I dont want to close the card but I do want them to accurately report it and update it monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
In 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 agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXXt 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 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