vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Back in XXXX XXXX, I went in to XXXX to get an oil change. While doing so, I asked a sales representative, out of curiosity, what my buyout would be. He called Ally and after getting the numbers, I wasnt satisfied with them so I stayed in my lease and drove off in my car. In XXXX, I went back in to XXXX for an inspection. The gentleman wasnt able to do so due to a cancelled Registration my Registration was automatically reinstated after reaching out to the RMV, personally. Fast forward to XX/XX/XXXX, I left to get into my vehicle which was no where to be found around my apartment complex. After calling the local police department, they informed me that my car had been repossessed by Ally Financial. My payments were on autopay prior to the cancellation, but it came to my attention that any payment after that incident, wasnt accepted by Ally because they had my Lease as cancelled. I have been in the vehicle for almost two years, which will be the ending of my lease term, and never once has this happened to me. I still to this day, have not been given any reason, notice, etc regarding what may have happened. I have also not been given any proof of me ending my lease back in XXXX because I never did so. My vehicle is currently in possession of the repossession company and Ally is making me wait 7 days and pay {$3000.00} to get it out, on top of me having to pay {$500.00} for a rental car, and missing a week of work to handle the situation and find a way to transport to and from work, and/or anywhere else I need to go on a daily basis. Today, XX/XX/XXXX, the RMV has sent me proof that the cancellation was done by the Lessor/Lienholder . They are not taking action nor fessing up to their mistake. Between them and XXXX XXXX XXXX XXXX XXXX, MA, I have gotten no where.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received XXXX XXXX report consumer ID XXXX. XXXX on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX XXXX XXXX  send me an email and said my social security number is on the dark web. I never had a bank account with XXXX  XXXX XXXX or Fifth third bank or XXXX XXXX. Please advise. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received XXXX XXXX report consumer ID XXXX. Info on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX identity theft send me an email and said my social security number is on the dark web. I never had a bank account with XXXX  XXXX XXXX or XXXX XXXX XXXX or Wells Fargo. Please advise. Thank you. 
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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE INQUIRIES LISTED BELOW ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. The previous month as well as the month prior. Since I thought the article was not being reported lawfully, I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your side to give you another 30 days to comply with my initial request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: LA

Complaint narrative:
My daughter created a cash app account as a teenager with me as a sponsor. My daughter is now XXXX XXXX XXXX. In XX/XX/XXXX she closed the cash app account because it was still recognizing her as a minor and there were restrictions associated with a minor account. While the account was open she purchased tickets to a concert through XXXX. Unfortunately the concert was canceled and ticket master refunded the funds back to the original payment method which was to her now closed cash app account. The refund took place XX/XX/XXXX. When my daughter reached out to cash app in XXXX to remedy the matter she was told that only the account sponsor could make decisions on the account. I contacted cash app with my daughter present on multiple occasions and have been advised by customer services and through email that they can not release the funds to me because the account is closed. I asked them to return the funds to XXXX so they can redistribute the refund in a different manner and they have refused. I asked cash app to send me a check for the balance and they stated they can not do that. They have also refused to re-open the account to gain access to the funds. The total amount is {$620.00}. 
I have tried all that I can think about to get the money returned to no avail. I believe at this point it is criminal for this company to hold money that does not belong to them. I requested the policy on how long they can hold funds on a closed account and was denied this information as well. Please help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This past XXXX and XX/XX/2023, I started the process of release of liability, I filled out the application and sent the documents requested, and I received a letter saying that I did not submit the additional document requested which letter which I never received, and that application was canceled. I resubmitted another one in XXXX And they sent a letter requesting additional information, and this time I did receive the solicit list. In XX/XX/2023 I mailed the package of requested documentation and they sent me an email by the beginning of XXXX saying that they did not did not receive the information. Then they said to email all the documents I emailed them I received an email from them stating that I did receive the documents and then two weeks later the end of XXXX. They tell me that they did not have the documents to please send everything on the list again, so I recently mailed another package to the address given by them on the phone with the escalating manager and I mailed it to them and I gave them a XXXX tracking number and they officially delivered received it XX/XX/XXXX and they keep receiving emails from them saying that I did not send the information and theyre requesting it and the requesting it and Ive called them. I spoke to the escalating manager three days ago and they said they were going to try and locate the package. Apparently they want me to send everything again I dont know what else to do. I keep mailing them emailing them and they keep saying they dont receive anything and I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I am writing to highlight issues faced during MOHELA 's transition to a new portal, which prevents borrowers from making payments during the blackout period. Unlike my recent experience with my mortgage being transitioned to XXXX XXXX transitions did not halt payments, MOHELA 's approach not only blocks payment submissions but also continues to accrue interest, disadvantaging those of us trying to make additional payments. 

I request your intervention to encourage practices allowing payments during such transitions or to prevent interest accrual in blackout periods, aligning with borrower-friendly standards seen in other loan servicing transitions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On the XXXX of XX/XX/2023, I wrote to you, demanding an inquiry into items that I considered were, erroneous, or incorrectly reported. To far, the only answer I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I feel this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
MY XXXX XXXX  LOAN SHOWS UP ON EQUIFAX FOR {$1000.00} AND SHOULD HAVE BEEN SHOWN AS PAID OFF WITH A {$0.00} BALANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aidvantage Account # XXXX XX/XX/XXXX Called Aidvantage to request a refund of {$7100.00} in payments made on XX/XX/XXXX and XX/XX/XXXX while account was with XXXX ( previous loan servicer ). Request was put in and told to wait 3 months to be completed. Refund will be issued to the same bank account it was paid from. 
XXXX Called to follow up and after multiple attempts ( put on hold and hang up ) was informed that my request had been denied by the Dept of Education because it was not not processed in time for the XX/XX/XXXX deadline. 
XX/XX/XXXX Called the US Dept of Education @ XXXX to request an appeal as to decision made to deny refund. Representatives informed me that the Dept of Ed does not decide that, it is only the student loan servicer. 
XX/XX/XXXX Called Aidvantage and spoke with another representative and requested to speak with a manager to inquire as to why refund was denied. Rep explained that it was processed per their records XX/XX/XXXX and that a paper check had been sent out. Mailing address was current but I had never received it. Requested to be resent. Rep informed me that process would take 6-8 weeks and to follow up in that amount of time. 
XX/XX/XXXX Called Aidvantage and spoke with another rep to inquire on status of refund check. Put me on hold and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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: NM

Complaint narrative:
XX/XX/year> : A representative of XXXX and another from XXXX XXXX XXXX XXXX  ( via door to door sales and the high pressure, deceptive acts typically associated therewith ) & gave a sales pitch whereafter documents memorializing the verbal representations were to. E sent to me for review. At no time did I see, review or sign ( electronically or in ink ) any document. Instead, apparently each promptly emailed me XXXX pages of agreements and other documents which were purportedly signed by me. Im a retired attorney. I KNOW not to sign anything I have not read let alone agreed with. Upon learning the extent of this identity theft or fraud, I have spent these last XXXX months of my remaining life being given the run around without remedy. Lies, lies. 
Also, XXXX and either XXXX or their partner, XXXX XXXX have created a {$4000.00} line of credit for XXXX equipment costing approximately {$2400.00}. XXXX created a home improvement or mortgage for {$17000.00} XXXX 
I need my full file disclosure from the credit reporting agencies to ascertain HOW they did this behind my back damaging my credit score & causing the clear title on my home to be encumbered. I inherited my home & have worked hard to maintain title free and clear to leave to my XXXX kids and XXXX. At this rate, Ill be dead and unable to leave my home to my kids without XXXX either lien the property though no solar was ever installed. Im completely exhausted from this awful, horrible, illegal, activity that I am in no way responsible. Please help.

I have numerous documents including a myriad of emails between the parties which I can upload tomorrow.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received XXXX XXXX  report consumer ID XXXX. Info on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX identity theft send me an email and said my social security number is on the dark web. I never had a bank account with Bank of America or XXXX XXXXXXXX XXXX or XXXX XXXX. Please advise. Thank you. 
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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent multiple letters to this company regarding reporting derogatory items on my credit report. In accordance with the fair credit reporting act the credit bureaus has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I did not give written consent or permission.

15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose ( XXXX XXXX XXXX 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been speaking and writing to TransUnion about erroneous information they've got on my credit report, namely, listing showing I owe XXXX XXXX XXXX whicnh is unpaid. I have sent TransUnion corroborating information showcasing that this information is incorrect, including check payments made to XXXX XXXX, yet TransUnion insist on keeping the information on my credit file. 

This has caused and continues to cause me hardship - personal and financial. 

Recently, I lost a construction project because I was refused financial funding due to this report on my TransUnion credit file. I can not get funding for my projects or my business because of this. 

I need this removed from my report immediately and finally. This project happened in XXXX but XXXX XXXX deliberately reported this erroneous information in XXXX so that it could remain on my file. The Director of XXXX reneged on her contract and walked away in the middle of a joint project and pocketed {$72000.00} when she left. I do not owe XXXX XXXX any money. I want my file cleared of this misinformation and my life cleared of this injustice!

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I talked to XXXX  CONTINENTAL FINANCE twice in XX/XX/XXXX about their innaccurate reporting. Their system took 2-3 weeks to draw my payment in XX/XX/XXXX, i complained to them in XXXX that it was not late and was submitted by the due date, it was their system that screwed up, they refused to fix it and insisted it was late, I filed a dispute through credit karma in XX/XX/XXXX after asking them twice to remove it because it wasn't my fault, it was stated as changed in XX/XX/XXXX when the investigation was cleared, they took the late payment off, and the dispute was closed. My credit score dropped again and when i checked today, XX/XX/XXXXXXXX XXXX XXXX the same late payment was REAPPLIED TO MY ACCOUNT! after it was resolved!! How is that legal?? This credit card company is very shady and consistently takes 7 days-3 weeks to process my payments, leading them to sometimes bounce when they wait too long, then i have to submit the payment again and pay fees! Ridiculous!! Customer support is very rude and always insists its me not submitting things on time! Now my credit card is locked and i can't use it anymore when it was working after the dispute initially removed it. WOW.

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