vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
On XX/XX/2023, I called Ally Bank to get a cashiers check. I needed this check on XX/XX/XXXX which is 10 business days after the call. They said it would take 7-10 business days to arrive. My husband got a cashiers check from Ally a few weeks prior and it arrived within a week ( 5 business days ) so we followed the same timeline. The check did not arrive as planned. When I called they said there was nothing they could do, it got delayed in getting sent out, not mailed until XX/XX/XXXX, wouldnt cancel the check, increased my debit card atm withdrawal to $ XXXX for 2 days but said I had $ XXXX limit for point of sale ( needed to get a money order since check didnt arrive on time ) On XX/XX/XXXX, went to get a money order at XXXX ( XXXX ) grocery store, transaction declined. Called Ally, verified my identity, they said it was flagged and there was no way they could approve it, said I had to try later or go to another institution. I asked to have my atm withdrawal increased since it was $ XXXX and I needed {$2100.00}. Declined by customer service. Said I should buy something at the grocery and get cash back. Did this, transaction declined. 

Got my $ XXXX money order with the cash I was able to withdraw and begged the institution I owed to give me another form of payment after explaining my situation and they worked with me. 

Cashiers check arrived within 11 business days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
Equifax is reporting my XXXX  brother 's mortgage on my credit report. I have spent hours on the phone with Equifax in an attempt to fix this. I just received a letter in the mail that provides the official response to my dispute. In this response, they state that they confirmed that my brother 's mortgage actually belongs to me and they're keeping in on my report. I feel like I've exhausted my options with this incompetent organization. Moreover, they've committed privacy violations by sharing my brother 's info with me without his consent and sharing my info with him without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA

Complaint narrative:
On XX/XX/2023 I applied to the REPAYE payment plan but I still have not heard from MOHELA regarding the status of my application. I have contacted MOHELA requesting information regarding the status of my application but they never responded to my inquiries. Please request MOHELA respond to my inquiries regarding the repayment plan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I do not recognize these companies or consent to any of these credit inquiries. Please have them remove immediately from my credit report. 


XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX/XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
On XXXX XX/XX/2023, I contacted XXXX mortgage to inform them my DC property taxes would be due by XX/XX/XXXX. I was assured the taxes would be paid before due from my escrow account. On XX/XX/XXXX, I sent them a copy of the tax bill and a reminder. On XX/XX/XXXX, XXXX replied that they had reviewed it and would pay the bill. They did not pay on time. On XX/XX/XXXX, I contacted them by email and phone and was assured it would be paid and the late fees would be covered by PHH. What proceeded next was weeks of back and forth with the company as they missed the next deadline and incurred a second month of late fees. I had multiple emails and phone calls with XXXX from the company assuring me they would pay the bill and would be responsible for the late fees. I insisted the fees must not come out of my escrow account since it was PHHs failure to pay the tax bill that incurred the fees. The fees were finally paid on XX/XX/XXXX. On XX/XX/XXXX, PHH deducted the exact amount in late fees from my escrow account, thus making me pay the late fees they incurred. Ive contacted them by email and phone multiple times since XX/XX/XXXX about this issue and have received nothing but automated email responses and voicemail. This can not be legal that this company that I did not choose to get a mortgage with ( was sold to them from XXXX XXXX  ) does not pay bills on time and took my money to cover their mistake. They have now also told me they cant pay my homeowners insurance form my escrow account but continue to deduct money each month for the escrow insurance. I now have another tax bill due and am not confident they will pay this on time. The company is unresponsive and dishonest in their dealings, and based on the bit of internet research I have done, this is their common practice. I need to know what I can do to make them redeposit the {$240.00} in late fees they took without authorization from my account. Thank you. 

PHH Mortgage Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: NY

Complaint narrative:
I have submitted several investigations and according to the law 15 US code 1681ito Transunion and I have not had a fair, accurate and complete investigation. They sent me back the results within a day or two which makes me believe they haven't spoke to anybody or confirmed any of the information listed in this complaints are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
After reviewing my credit report I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX however Equifax and XXXX states XXXX was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: TX

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding the sharing of bankruptcy information on my consumer report, which I believe is in violation of 12 U.S. Code 5229. 
Also, Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a inregards to specifically sharing the information of a Bankruptcy on my credit file. 
I am seeking your assistance in addressing this issue to ensure the protection of my privacy and rights under the law. I am seeking to have this item removed from my consumer report. 
XXXX XXXX Bankruptcy Case Number : XXXX DUE TO THIS ITEM REPORTING IN ERROR, I REQUEST REMOVAL XXXX XXXX  Bankruptcy Case Number : XXXX due to this account reporting in error please delete it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
This is in regard to the funds held in the XXXX. XXXX XXXX XXXX account that Frost bank, located at XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX, is currently withholding from the rightfully entitled family members. The bank phone number is XXXX. Since XXXX, XXXX, myself, and all directly involved family members, have attempted to obtain the funds held in the above listed account. Over a period of three years and eleven months, we have been unable to close the account and withdraw the funds. Myself and my sister, have visited, and contacted, the bank numerous times and the issue still remains unresolved. There are also two attorneys involved and they have also been unable to acquire our funds. 

My grandfather opened the Trust Fund account for my aunt decades ago. The account was established for his daughter, who had XXXX, and was unable to care for herself. My grandfather passed away on XX/XX/XXXX and the account was managed by my mother until her passing on XX/XX/XXXX. My aunt, for whom the account was established, passed away on XX/XX/XXXX. 

With the passing of my aunt in XXXX, there are a total of four of her relatives who are entitled to the funds in the XXXX. XXXX XXXX XXXX account that Frost bank has been withholding from us. 

After multiple attempts, we have been unable to receive any action, or resolution, in regard to releasing the funds in the account held by Frost bank in XXXX XXXX, Texas. These monies rightfully, and legally, belong to the above family members and after numerous attempts, over a period of three years and eleven months, Frost bank continues to withhold, and refuses to release, the funds held in the XXXX. XXXX XXXX to the rightfully entitled family members. The four of us involved need to know exactly what we need to do to have the funds in the account released to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 6TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHMENT!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: LEXISNEXIS
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. 

XXXX XXXX XXXX - XXXX State Of Michigan XXXX XXXX XXXX 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. 

These inaccuraties are proventing me from obtaining the purchase of a Home and Credit Cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Each of the three credit reporting bureaus are allowing written off accounts to be reported as delinquent each month when it is my understanding that as these accounts have been written off, the creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden, as such I do not think this is acceptable practice to allow negative monthly reporting on my consumer credit reports. I have made attempts to contact creditors who were unwilling to disclose account details and/or unable to arrange for payment on the debts, referring me to their legal counsel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo checking and savings account were fraudulently accessed and drained. My card was not stolen. I was called by someone at Wells Fargo ( their phone number their name on caller id ), I was told my account was being illegally accessed and they were calling to put a stop to it, texted me codes to my cell phone to read back as Wells Fargo always does when verifying account information. After a while I asked for a manager as it was taking too long. I was hung up on and all my money was immediately drained from my accounts. I called back and was told this was a scam and was not in fact well Fargo so I reported fraud and in a week was told they would not refund my money. I got the case re-opened by speaking to the corporate office and was told this was fraud and that " this happens all the time do not to worry. '' A few days later the same person informed me weals Fargo was refueling too refund me and was told its was because it was a device takeover, I then was told its was because of what was purchased ( charges at XXXX, XXXX XXXX, USPS and an atm withdraw in XXXX XXXX, live in and was in XXXX XXXX XXXX at the time of this fraud ) then was told it was because I didn't report it right away ( I reported it immediately ). I have received no logical explanation as to why Wells Fargo does not protect and is refusing to refund money held in their accounts when this was clearly fraud. Total amount taken was {$4500.00}

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 2023-08-13 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: FL

Complaint narrative:
i was looking into my credit report and noticed multiple fraudulent accounts and inaccuracies. these accounts below are hurting my credit and need to be addressed. asap. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
After reviewing my credit report I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on a payment. This account XXXX account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX however Equifax and XXXX states XXXX was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting. 

UPDATE TO PAID ON TIME NEVER LATE OR REMOVE ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
I was Recently reviewing my credit report and noticed multiple fraudulent accounts and inquiries. below are fraudulent inquires on my report XXXX XXXX  Below are fraudulent collections or charge offs on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is being reported as a new charge-off account every month. This is inaccurate 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 2023-08-13 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: TX

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding the sharing of bankruptcy information on my consumer report, which I believe is in violation of 12 U.S. Code 5229. 
Also, Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a inregards to specifically sharing the information of a Bankruptcy on my credit file. 
I am seeking your assistance in addressing this issue to ensure the protection of my privacy and rights under the law. I am seeking to have this item removed from my consumer report. 
XXXX XXXX Bankruptcy Case Number : XXXX DUE TO THIS ITEM REPORTING IN ERROR, I REQUEST REMOVAL XXXX XXXX Bankruptcy Case Number : XXXX due to this account reporting in error please delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: TX

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding the sharing of bankruptcy information on my consumer report, which I believe is in violation of 12 U.S. Code 5229. 
Also, Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a inregards to specifically sharing the information of a Bankruptcy on my credit file. 
I am seeking your assistance in addressing this issue to ensure the protection of my privacy and rights under the law. I am seeking to have this item removed from my consumer report. 
1.XXXX XXXX  Bankruptcy Case Number : XXXX DUE TO THIS ITEM REPORTING IN ERROR, I REQUEST REMOVAL XXXX  XXXX Bankruptcy Case Number : XXXX due to this account reporting in error please delete it

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