vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 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: NV

Complaint narrative:
I previously submitted a complaint for Equifax not reporting my credit score properly. That issue was resolved and miraculously they added XXXX points to my credit score when the changes at that time we're to account balance is going up. Now once again they show me paying off a card and one card increasing for less than the amount of the car that I paid off and they drop me XXXX points again. I had to submit a complaint before and after the second complaint they resolve this issue but now the issue has returned. There is no logical reasoning that I pay off an account and my credit score decreases but I use a card in the amount due on those cards increase in my credit score increases. There is something clearly wrong and Equifax the system when it comes to my credit reporting and this needs to be completed and fixed immediately. THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail again. So I am hoping that you can assist with a resolution. And ONCE AGAIN THEY THE COMPLAINT WAS CLOSED SAYING THAT THE ITEMS IN MY REPORT ARE CORRECT. I AM NOT FILING A COMPLAINT ON THE ITEMS ON MY REPORT. EQUIFAX IS IMPROPERLY REPORTING MY SCORE. THERE IS POINT DROPS WHEN POSITIVE THINGS HAPPEN. AND THERE IS A 50+ POINT DIFFERENCE BETWEEN EQUIFAX AND THE OTHER 2 CREDIT COMPANIES. This is the second time this has happened. Last time I had to submit 2 complaints as well because they claimed they had resolved the issue and they had not. EQUIFAX IS IMPROPERLY REPORTING MY CREDIT SCORE NOT THE ITEMS ON MY REPORT. At this point I am starting to feel targeted and discriminated against. My score needs to be properly updated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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:
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 inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX XX/XX/2021, deposited personal check to Navy Federal Credit Union Bank for the amount of {$50000.00}. The check was cleared by the XXXX XXXX  on XXXX XX/XX/2021. 
On XXXX XX/XX/2021 at XXXX hours I called Navy Federal and learned that the amount of {$50000.00} wasn't available to me. I asked Navy Federal customer representative, why my funds are not available to me? I was put on hold and no one reached out to me. 
On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours, and XXXX XX/XX/2021 at XXXX hours called and checked with XXXX XXXX  to confirm about the check status and XXXX informed me that the check was cleared and funds was released to Navy federal. 
On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours and XXXX XX/XX/2021 at XXXX hours, called Navy Federal and in response they informed me that they hold funds for two days and then release. 
Today is XXXX XX/XX/2021 and funds are still not available to me. 
I feel that Navy Federal is using my money illegally over two weeks and I am suffering.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a text message about a potentail fraudulent bank transfer through XXXX from my Bank of America bank account to which I responded no I did not authorize. When I responded I received a phone call from a person claiming to be a Bank of America Employee. The fake employee called from the Bank of America customer service line XXXX and said that someone had authorized a transfer of {$3500.00} and that they were with Fraud Prevention at Bank of America. The fake employee then walked me through steps and proceeded to trick me into sending them money via the XXXX  application to their bank account. After I hung up I called Bank of America again and found out that they had not called me and that I had been scammed. When I was transferred over to the real Bank of America Fraud Prevention, they essentially told me they could not help me but they would open a ticket in my name. That ticket number is XXXX. I want help getting my money back, just because I was scammed by someone who claims to be a Bank of America employee does not mean that I should have lost {$3500.00} which is a lot of money for someone of my financial standing. Any help in this process would be appreciated.

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 2021-08-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This company did not complete an investigation for the fraudulent inquiry on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.

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 2021-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
Eleven months ago I received a XXXX XXXX package inviting me to refinance using a streamlined mortgage. Last week after what was hardly a streamlined process I withdrew my application. 

This process was the most cumbersome mortgage application it has ever been my misfortune to have been a participant. XXXX XXXX XXXX has made mistakes at every level of this process, including, but not limited to non payment of insurance, for which I was nearly placed in an assigned risk pool. Non payment of taxes for which I nearly had a lien placed on my house. I was insulted and discriminated against. I was asked for cancelled checks which were impossible to produce since I pay on line. I was accused of fabricating the documents. Even though I have had a sterling payment record since it became my responsibility I certainly understand their doubts regarding my ability to pay. They did not ask for income so what was the problem. This is only the tip of the iceberg. I can not believe this of a loan origination company. I also found that my application was the oldest. The only one. Why? The last thing they asked for I needed to produce in ten days. It would have taken more than a month. 

The irony is that I was taking no equity out of the house. With a lower rate and a lower payment it would be easier for me to continue with on time payments. Thereby making me a better risk. 

I thought you should know how XXXX XXXX XXXX  does business. Up to now, we have had a good relationship. Since XXXX XXXX is out of the picture, I have every reason to believe that It it will continue. 
Sincerely, XXXX XXXX XXXX Loan : XXXX XXXX XXXX XXXX XXXX XXXX, CT. 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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report me as an authorized user on a XXXX XXXX XXXX that isn't mine, nor did I authorize. XXXX  and XXXX have removed it. 

Account 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 2021-08-17 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: FMA Alliance, Ltd.
State: TX

Complaint narrative:
On Tuesday XX/XX/2021 FMA ALLIANCE called someone in error from XXXX at XXXX XXXX  -the agent name was taken as XXXX XXXX XXXX 
The Individual that received the phone call asked who they were and what the call was in reference to, at which point the agent immediately told the individual who the alleged original creditor was, and that this was an attempt to collect an alleged debt. ( For XXXX XXXX ) The individual then clearly informed the agent that they had the wrong person, and that they had no knowledge of this matter or the person they were looking for. At this point, the agent got upset and belligerent and insisted OK well if youre NOT that person let me verify the name address and phone number we have on file and proceeded to rattle off my full name, phone number, my date of birth and my address to a completed stranger that clearly identified themselves as not being the person they were calling for. 
The individual then interrupted the agent saying hold on hold on hold on, what did you say your name was? And what did you say the company youre calling from is? 
The agent replied I already told you. The individual asked the agent to repeat her name which she did but she refused to restate the name of the company while belligerently interrupting the individual insisting no I already told you know I dont have to tell you that again and So youre not this person? why do you want to know the name of the company? Over and over not allowing the individual to be clearly heard while the individual replied to the agent stating Im pretty sure that by law you have to tell me what company youre calling from, Plus you just gave me a random persons personal identifiable information illegally so yes tell me what company youre calling from and your name at which point the agent hung up. The individual then called me at the number that they provided her, she told me what happened and apologize profusely saying that I needed to report this to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial falsely reported a balance on our account. We never received any statements as the address on their file was incorrect. At the time our credit report was pulled for an application for a mortgage this account came up. We contacted Ally several times and were transferred to their collections company every time. They were unable to provide a detail of the balance on the account. The dealership was able to provide an old copy of the statement showing that the balance being collected was for property taxes. They also provided a copy on our file which is an Affidavit which was signed at the time of the lease showing the vehicle is leased for personal use and no taxes should be collected. We have provided this documentation to Ally financial as well as the Collections company. There has been numerous attempts to get this corrected in a timely manner as protected by the FCRA. This is causing a negative report in our credit score, a delay in our loan, and an increase in our interest rates. 
Im attaching the statement, and waiver. I can also provide all the emails that were sent both to Ally Financial and the Collection company with the documentation to correct the 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 non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
Starting in XX/XX/XXXX, when my late husband and I signed the paperwork that we oped to pay bi-weekly the amount of {$620.00} that 21st offered. For 4 1/2 years, we were constately harrassed and verbally abused. When we paid on time bi-weekly, they always said we were late. Then we started paying monthly the amount they wanted to stop the harrassment. Last year in XXXX of XXXX, my husband was working with XXXX XXXX, the company attorney. He was the " go between '' to get a resolution. Finally, my husband agreed to pay them the amount they wanted. He sent a check for {$4400.00} to just have piece of mind. This way we could start with a " clean '' slate. They sent us 3 payments back as in 3 checks. These were full payments we had paid and had cleared the bank. We never cashed them but they backed it out of their system. Now they are saying are behind again. Since XXXX of XXXX when we had a " clean slate '', I have paid a total of 14 payments. In XX/XX/XXXX my husband passed. When I called to let them know in case they needed to death certificate, they LAUGHED! Then they started yelling asking wo is gon na pay. I kept trying to tell them I am. They kept over talking me and kept asking about his kids. Finally I hung up because in my state of mind and still in shock, I hung up. Now they have their attorney involved again. In early XXXX he is wanting a resolution again. He told me they stopped payment on the 3 checks but their paperwork shows they never put it back in. I have all my payments where they cleared the bank. 

Mr. XXXX is now saying he doesn't " remember '' the agreement in XX/XX/XXXX. I do remember because we would NOT pay XXXX for no reason. They are taking advantage of my husbands passing because he can't speak. I remember seeing the check and paperwork in his things. ( I will have to look again ). 

I am having anxiety attacks and on medication now. This constant harrassment plus me trying to grieve for XXXX has got to stop. My doctor told me I am at XXXX level now. Please make this stop. I have read many reviews and this is what 21st Mortgage does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
So I had a scheduled auto payment on my XXXX card which was sold to capital one. The auto pay was scheduled on XXXX I received an email from capital one about 5 days before the payment was scheduled reminding me that f the upcoming payment was coming up. Also on XX/XX/XXXX th the payment was showing pending. XX/XX/XXXX the payment was due they did not take out the auto pay. I believe this was fraud to get the late fee and interest from me for the profit. I have called many times after about ten calls I got the late fee reversed. When I call I get a different story from every person I spoke to. First it was I can canceled my checking account then I was told capital one cancelled it but they had info. And then for the first time during my better business bureau complaint they said I cancelled it but offered no proof. Offered no reason for all the lies. Very vague in there answer missing most the complaint. I need help one supervisor told me to wait by the phone on XXXX at XXXX and someone higher than her would call me. Took 2 hrs off of work cause this was serious issue I wanted resolved but the call never happened approximately 2 weeks ago I was supposed to get a call from some dept that can only be reached by email. Still waiting on that call that person did not promise a time frame but I told her they would not call. Every time I pick up the phone and call them they lie thats why I think this was intentional cause if in fact cancelled my auto pay this should of been resolved with the first phone call it would of been simple. Sorry sir would you like me to take the auto pay out. I would have said yes and asked nicely if you can waive the late fee and any reasonable company would of said yes. Simple solved no they told me I closed my checking account. Not capital one over 15 phone call and would not take auto pay out I even begged them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX XXXX XXXX company this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons

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 2021-08-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX XXXX XXXX XXXX this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX XXXX XXXX XXXX this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons

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