vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK
State: VA

Complaint narrative:
On XX/XX/XXXX I opened an account with XXXX XXXX  I received 2 deposits of XXXX in the account. On XX/XX/XXXX, I was unable to log into my account and called support. Support informed me that the account is being closed for " business reasons '' and that I will be unable to access my account in the meantime. When I asked them how long it would take to get my money back, they said that they are still doing more " research '' into my account and were unwilling to divulge specifics. Now, I have {$2000.00} tied up with them and I have no information on when or how I will get it back.

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 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
We paid this loan off XX/XX/2021. Received the paid in full letter XX/XX/2021 dated XX/XX/2021. After numerous phone calls, emails and texts Ally Financial still will not repot the loan as paid off on any of our credit reports. Contacted all 3 bureaus and was told to go back to the Lender to have them correct and let them know it was paid off. all 3 bureaus refuse to help even with the provided paid i full letter without a dispute but they have never worked in the past and new lenders frown on disputes on reports. Ally still says they will send the letters in again and have it marked paid off but we are 2 months past the initial payoff and I am getting no where with any of these places.

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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed unauthorized charges on my Bank of America pre paid account. I filed a police report a report with ftc and a complaint on this website as well which was complaint no. XXXX After only a week my credit card refunded me all money from this merchant and Bank of America also credited me PARTIAL credit. Bank of America split my claim in two claims. One for $ XXXX was credited back. The other claim for the majority of the transactions worth over {$1000.00} has been held and Bank of America has failed to act professionally. 

On XX/XX/21 at XXXX I received a call from someone stating they worked for Banknof America and THEY HAD INFORMATION ABOUT MY CLAIM so I trusted them and now the bank says that was a fraud call. I can not explain all that I wrong with this situation through this text please call me so I can explain the situation this has caused for me. Something is very wrong. I need my money that they are holding and also to confirm if I did or did not Give my personal information to someone that is fraud or not.

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 2021-09-29 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 involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: MI

Complaint narrative:
Experience always what was my credit score for no reason and I have to dispute it and then it goes back up in the same day goes down again I keep paying my credit card off after going up it goes down messing me up every time I do Im trying to buy a house in a mess up my credit score

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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: LA

Complaint narrative:
Hello and good day to you. Please take another look at the closed complaint XXXX - Axos Bank XXXX This bank response never addressed my complaint, and so why was this closed? Their reply deemed my case closed, and you somehow followed accordingly ( closed ). Was their response ( case closed ) at least suspect? I disagree, and ask that you please take another look at this case. 

At issue are check deposits being refused due to alleged improper endorsement, refused as " unable to verify ''. Their policy, checks must be endorsed to Axos bank, and without any account number designation. I researched this company and find that even govt stimulus checks are refused due to bank clients adding their account number on the endorsement. When this happens, causes weeks and even months delay, bank clients having to call the IRS and have another check issued and deposited/cashed elsewhere. Is this legal and proper, that " even '' govt stimulus checks are refused due to putting the account number on the endorsement? 

My research revealed to me this issue, and I was able to avoid it, I immediately closed my account. Therefore, I am fi Signed,. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: IL

Complaint narrative:
Hey, this is XXXX XXXX, I am in stress due to you all consistently furnishing inaccurate information on my report making it very hard for me to get a job!

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax, Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: GA

Complaint narrative:
On XX/XX/2021 I requested Equifax remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has been charging me {$24.00} per month to be a paid member of their credit reporting services. After reading and reviewing my Experian credit reports, I discovered there are a lot of derogatory and negative trade lines on it that do not belong to me and I never signed for or did I ever conduct any business with these companies. Being a paid member I have requested from Experian to refund me all of my money that I have spent and they refused to refund me anything. 

I am unable to open any online disputes on the Experian website, I had to print out my Experian credit report and check off all of these derogatory and negative trade lines on it and I had to send it in the U.S. mail to Experian. They informed me it would take 30 days to investigate everything and they would send me an updated credit report in the U.S. mail and I never received anything in the U.S. mail from Experian. 

I am demanding that I receive a full refund and my Experian credit report is cleared of all of these derogatory and negative trade lines that do not belong to me or I have ever been associated with. Thank you.

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 2021-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself there is no third party involved. Pursuant to federal law 15 USC 1692a ( 3 ) I am the consumer. Pursuant to 15 USC 1692g ( a ) BRITE FINANCIAL has failed to validate this alleged debt. 
XXXX XXXX at XXXX. XXXX XXXX Signed for and received a cease and desist along with an affidavit of truth and bill of Particulars to compensate i for the damages thereof. 
Upon receipt of this notice Brite Financial pursuant to federal should have ceased all communication acknowledged receipt of notice AND Invoke specified remedy by creditor which was listed in Cease and Desist pursuant to 15 USC 1692c ( c ). Pursuant to 15 USC 1666e BRITE FINANCIAL has forfeited any right to collect any amount disputed and finance charge thereof for failure to comply with requirements of 15 USC 1666a. 
As of XXXX XXXX XXXX Brite Financial is in violations of 15 USC 1692c ( b ) for contacting XXXX XXXX XXXX and XXXX about this account arranging for auto theft of my property. Brite Financial has admitted on a recorded line that they received cease and desist which means Brite Financial has willfully and knowingly contacted a person about this alleged debt. This property was paid for in full mail its my credit card pursuant to 15 USC 1602l and 15 USC 1602i. Brite Financial has attempted to take non judicial action by attempting to seize my property which is a violation 15 USC 1692f ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: TX

Complaint narrative:
I keep getting cala from this Penn Credit debt collectors. They first called my husband. While he did not give them my info, they found me eventually. Whenever they call, they either hang up or when they do not, they INSIST on asking me for personal information before proceeding. I have not given any info ( since they ask for address and the like ). The worst is that while the agent on the other end does give a name ( the one that called me today around XXXX was called XXXX ), they just say it is a personal matter and I can not say anything more until you verify your address. The thing is that if Mr. XXXX was an actual debt collector hed be telling me first that this call is an attempt to collect a debt, and any information gathered today will be used for the sole purpose of collecting said debt. However, he does not give said disclaimer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Paradigm Assets, LLC
State: NJ

Complaint narrative:
I CALL XXXX XXXX  ABOUT AN PREVIOUS CREDIT ACCOUNT AND THEY TOLD ME THEY DONT HAVE ANY INFORMATION ABOUT MY PERSON AND THIS MENTION ACCOUNT DUE THE FACT THEY SOLD THIS ACCOUNT TO JHPDE FINANCE 1, LLC . ( THEY SOLD ALL MY INFORMATION IN A PORTAFOLIO TO JHPDE ). 
I ASK THE XXXX AGENT IF I OWN XXXX XXXX  ANY SUM OF MONEY AND SHE SAD NOOOOO!!! 

I CALL JHPDE FINANCE 1, LLC AND THE AGENT OF THIS COMPANY TOLD ME I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH JHPDE FINANCE BUT I NEED TO PAID JHPDE FINANCE DUE THE FACT I OWN XXXX XXXX  .... ( XXXX ) I DO NOT OWN JHPDE FINANCE NOTHING!!!!

WE DE DONT HAVE ANY BUSSINES, SIGNED CONTRACT OR AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I CALL CITI BANK ABOUT AN PREVIOUS CREDIT ACCOUNT AND THEY TOLD ME THEY DONT HAVE ANY INFORMATION ABOUT MY PERSON AND THIS MENTION ACCOUNT DUE THE FACT THEY SOLD THIS ACCOUNT TO XXXX XXXX XXXX, XXXX XXXX ( THEY SOLD ALL MY INFORMATION IN A PORTAFOLIO TO XXXX ). 
I ASK THE CITIBANK AGENT IF I OWN CITI BANK ANY SUM OF MONEY AND SHE SAD NOOOOO!!! 

I CALL XXXX XXXX XXXX, XXXX AND THE AGENT OF THIS COMPANY TOLD ME I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH XXXX XXXX BUT I NEED TO PAID XXXX XXXX DUE THE FACT I OWN CITI BANK .... ( XXXX ) I DO NOT OWN XXXX XXXX NOTHING!!!! 
WE DE DONT HAVE ANY BUSSINES, SIGNED CONTRACT OR AGREEMENT.

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 2021-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: CT

Complaint narrative:
My grandmother took the loan out with me I was not of legal age. In the middle my grandmother passed. My mother tried to pay the loan but they would not speak to her. Now I am having some mental issues that they were supposed to email me papers they have not and call my mom 7-10 times a day. And they are killing my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
They called my Mom, and husband multiple times neither of which is responsible for my any of my debt. They also said they just got a file today which is not true. Ive never heard or been notified of any debt from this company either. 

Heres a transcript : Federal law designates this matter as a confidential notice for NAME. Please hang up. Now. If this is NAME. Please continue listening to this message do not listen to this message where others can hear as it contains confidential information. There will now be a 3-second pause. Hello. Unfortunately, we've received notice on your file. It is now Wednesday, XX/XX/XXXX, and your file has reached our office due to your failure to respond, and we do need to know was this done intentionally, or was this an oversight? I suggest you communicate. We are open until XXXX XXXX. Today. The phone number is XXXX. Again, it would behoove you to call before. We are asked to see if voluntary Communications XXXX. I apologize for the aggravation. But again, we only did just receive this notice to pay online. Go to ww.w direct Recovery Services and click on the pay now link. Your account number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TX

Complaint narrative:
I spoke to a rep from Equifax today XX/XX/2021 and our call got disconnected in the process of removing these unauthorized items. I called back and this new rep was rude and refused to follow the law. on XX/XX/2021 they receieved a FTC report with my verifiying information and she says they dont have to follow the law. 
Worker id XXXX said they are the only ones that can vaildate the information which is not true i told her what the law says and she was not listening They are violating my rights as a consumer and i demand these items be removed. They are supposed to report Fair and Accurate information and they are not.

My next step will be legal and i seeking monetary relief. I just dont understand why Equifax thinks they dont have to follow the law.. the FCRA is for me and to protect me against these types of issues. And the CFPB is suppose to make sure they comply. look up law and you can clearly see they are in violation. and unless Equifax or the CFPB can swear under the penalty of perjury that they know these inquires are true they have to remove them.

15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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:
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 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
i was the co-buyer to this car loan in XX/XX/XXXX to it was repossessed later that year to the buyer being incarcerated since then this repossessed car has been holding me back from furthering my credit and harder for me to get a car. my XXXX XXXX  account says it was closed on XX/XX/XXXX. i just want this off my credit so i can than better me and my family and get a decent family car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: GA

Complaint narrative:
XXXX XXXX has inaccurately reporting late payments on my credit file and these late payments are causing me undue hardship because they are inaccurate. I attempted to contact the company several times and they have an answering service with individuals from overseas who are extremely rude, lack knowledge of company policies or how to remove this inaccurate information off my account. This company continues to report late payments on my Experian credit report to no avail illegally, I have never missed a payment with this company. I setup this account with my monies as a secured credit card but now because of their inaccurate reporting they are causing my credit report to suffer more damage then they are assisting me. I would like them to immediately cease and desist reporting this false information.

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 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested Transunion remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.

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