vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/22 i initiated a transfer of a {$100000.00} from ALLY Bank to XXXX that was offering higher interest rates than ALLY. The bank that i sent funds to was vetted by ally 's process in which they send 2 trial credits to the destination bank and in return i have to enter these two trial credits on Ally 's website to start transfers process. With that done the transfer request was made. After four to five business days no funds were received from ALLY to XXXXXXXX XXXX which is offering higher interest rates than Ally. XXXX i initiated inquiry to Ally why the funds were not transferred and ALLY froze my account with the receiving bank. I have made numerous calls and provided documents and screenshots of documents as to the owner and holder of the bank account of XXXX XXXX and still the substantial amount of money has not been returned to me or to the bank i wanted to be deposited to. It seems most but not all of the customer service are gaslighting this situation when there was no fault on my part. Customer service will not give me an eta as to when the funds will appear all they say is call in one or two business days. And the same process will start over again you have. After numerous calls and no action on XXXX XXXX the {$100000.00} was returned but my transfer privileges has been suspended and i can not access my funds. Todays date XX/XX/22 the day im making athe complaint, Its been over a month that this has not been rectified. I need access to my funds so i can make purchases for everyday living. Ally bank has been slow walking this in that they have to verify the account of XXXXXXXX XXXX  the new account offering higher interest rates. I have been with Ally for over ten years and the bank i have been making monthly deposit with into ALLY bank for the past ten tears has also been suspended. Its apparent they Ally only like to receive funds not transfer out funds that offer higher and more competitive interest than theirs. I am requesting that you investigate ALLys practice in suspending my transfer privileges, I want to transfer my funds out to institutions of my choosing.

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 2022-07-27 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:
On XX/XX/2022 i noticed there was a fraudulent collections on my credit report from XXXX XXXX XXXX XXXX. 

On XX/XX/2022 i noticed a fraudulent collections on my report from XXXX. 

Ive never done any business with ether company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have recently called National Credit Systems to dispute the validity of this debt that has somehow appeared on my credit without my written consent pursuant to 15 USC 1681b. They said they have contacted me multiple times by phone however, being that it was during business hours I could not have answered. I finally called them back after until them leaving me a voicemail. I have not received any written letter regarding this debt that is not mine from anyone or anybody. Being said on XX/XX/XXXX I received my most recent credit report, which had a new collection account from National Credit Systems, which I did not authorize and that violates my consumer rights according to 15 USC 1692c. National Credit Systems has failed to provide me any proof of a contract that has my wet/original signature with the said owed amount to them. I called National Credit Systems yesterday and spoke with XXXX to let them know of my actions of cease and desist, deletion of the collection account from their system, report this information of deletion to the consumer reporting agencies, and a check of {$3000.00} as settlement of violations to avoid legal action by the consumer to said debt collector. Being that if a debt collector can not prove said debt by written contract between said parties they are in violation of federal law. This is a complaint in addition to the demands made yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2022 I made a payment of {$3100.00} to my Citi bank credit card to payoff the balance of a balance transfer offer that was expiring on XX/XX/2022. At around the same time I agreed to an offer from the same company on a flex loan for {$10000.00} for the purchase of a major item. Instead of the payment for {$3100.00} being applied to the balance transfer offer that was expiring, they applied it to the flex loan of {$10000.00} I just received. At the time of payment, I assumed the flex loan was completely different than the remaining balance, as it was showing up on the statement as a loan. 

Wednesday XX/XX/2022 I contacted Citi bank about the issue. I spoke to 2 customer service representatives about this issue and was unsuccessful. I was offered a few subpar offers to rectify the situation that would have cost me more in fees. I am not asking for any money back. All I was looking to accomplish was to have my intended payment on XX/XX/XXXX be applied to the balance of the expired balance transfer offer that is now being charged 20 %.

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 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
month ; y payment {$3200.00}, was paid correctly and timely each month. i called the company to get the history corrected prior to selling the house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXXCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

JPMCB CARD XX/XX/2008

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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:
All of the accounts listed below are fraudulent and is being reported illegally on Experian. 

XXXX XXXX {$680.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXX  {$880.00} Acct # XXXX XXXX XXXX XXXX {$1200.00} Acct # XXXX XXXX XXXX XXXX {$200.00} Acct # 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 2022-07-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-07-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I keep getting calls from Harris and Harris collection agency on a daily basis claiming that I owe for calling an ambulance in the XXXX XXXX  area in XXXX, I have no idea what this is for and have never ever called for this service, they obviously have the wrong person and they can care less, I have requested that they remove me from their calling list, I was told t that the company got my name from XXXX  for my name and based on that found me and keep harassing me on a daily basis, please put a stop to this type of abuse by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Ally Bank sent me an email for a promotional bonus if I opened a checking or savings account and set up direct deposit. The account had to be opened by XX/XX/XXXX, direct deposit had to be set up by XX/XX/XXXX and the promotional offer of a {$250.00} bonus was to be deposited in the account if it remained in good standing on or by XX/XX/XXXX. I followed all rules of the promotion and still have not received the bonus I was promised. I have called the bank several times over the last several weeks with no resolution. They continue to tell me they have escalated my request and someone will get back to me. I called the bank on XX/XX/XXXX at XXXX XXXX CT, XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX Each time I spent over an hour on the phone with the bank. On XX/XX/XXXX my call was escalated all the way up to a supervisor. Her name was XXXX. She escalated my case ( # XXXX ) to the executive customer relations team. She stated this was the highest level it could be escalated to and that someone would reach out to me in 0-2 business days. It is now XX/XX/XXXX XXXX XXXX and I am speaking to XXXX again because they have not called or attempted to reach me by email. Again, they said they will escalate my request and someone will get back to me in 7-10 business days. This is not acceptable. They continue to try to ignore the issue by telling me they will get back to me, but nobody has. They are attempting to not pay the bonus that was promised. This is false advertisement.

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 2022-07-27 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX  XXXX provide the documentation that verifies and matches the exact balance that is being reported. Acct. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation