vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
After setting up a new account with XXXX XXXX, I attempted to connect it for external transfers to my account with Ally Bank as well as two other banking institutions. This should be an easy, straightforward process and for the two other banks it was. However, Ally Bank has instead stolen from me and is holding the funds taken without authorization hostage because they are unwilling to see reason. Facts : 1 ) Ally Bank, with authorization, initiated trial deposits at my account with XXXX XXXX. However, Ally only credited the account ( leaving a negative balance and hence removing monies without authorization ) without debiting them back in. They recorded this as failed, despite the objective reality the funds are missing. 

2 ) Ally Bank has also indicated they are unable to link the XXXX XXXX   savings account, which indicates they did receive successful confirmation of the connection vis a vis they knew the checking ( info previously provided ) and savings ( info had not been provided ) were connected. 

Ally Bank is adamant that I obtain some form letter per XXXX XXXX   validating information I already gave them from online printouts : that I have the right account information and that transfers are possible. XXXX XXXX  said I would need to get this from an in branch banker, which during COVID-19 would be a risk to my and my XXXX  child 's safety. It is abhorrent and disgusting that Ally Bank wants me to endanger a baby because they can not get past sending form letters to realize that I've provided multiple times over the information they seek in electronic format, all just to try and get them to try trial deposits once more. Out of the dozen or so banks we work with, this has been BY FAR the worst and most disturbing experience in my lifetime.

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 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX  and Transunion continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

XXXX has not even replied.

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 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX and XXXX continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

Experian  has not even replied.

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 2020-08-16 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: GA

Complaint narrative:
Equifax is preventing me from submitting a dispute online. Equifax has also blocked me from creating an account online to submit disputes, check status of disputes, or access my credit report. I have called numerous of times and been given the run around. I believe Equifax is retaliating against me because I have reported them to the CFPB. 
In addition, Equifax is reporting the following accounts incorrectly which is impacting my ability to purchase a home : Collection Account is listed on my credit report for a paid medical bill incurred by my ex-husband for our child. 

1. Collection Account - XXXX XXXX XXXX XXXX XXXX ( Paid ) I've repeatedly disputed the reporting of this account. This collection account occurred as a result of health insurance not covering the charge incurred by my ex-husband. I am the primary on the health insurance only. Please remove it. 

Additional Inaccurate Reporting : Balance incorrect for the following accounts - 1. XXXX XXXX XXXX XXXX - {$2000.00} ( Acct # XXXX ) 2. XXXX XXXX XXXX XXXX - {$1000.00} ( Acct # XXXX ) 3.  XXXX - {$0.00} 4. XXXX XXXX XXXX XXXX XXXX - {$0.00} 5. XXXX - {$0.00} 6. XXXX - {$0.00} 7. XXXX - {$0.00} 8. XXXX - {$0.00} Unauthorized Inquires ( PLEASE REMOVE ) XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
This collection company put a negative debt on my credit report I have never had any contact with anyone from this company on the phone or via mail. I do not have any knowledge of any collections from this company and I want this removed from my credit report. When collecting any debt a person must be notified and giving the right to dispute. Which I was not in the middle of Covid all of these collections companies are violating collection laws. They also reported this on my credit report as a loan and said the account type was a factoring company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Beautiful day. Happy XXXX. XXXX has been one heck of a year. =- ( I humble myself to truly say thank you for taking a look at my situation. 

For about 2 months now I have been trying to respectfully dispute some issues with my credit. I sent and mailed off my ID and Social along with the proper documents and information needed for these companies to look further into the matter. Some of them said the items are accurate and have been verified ; however, I humbly asked and requested that they send me my signature showing that I have a binding contractual agreement with them.

Month after month 2 now they have failed to show me this information. XX/XX/XXXX was when I last submitted this dispute and I do have certified mail receipts to track their inability to produce the necessary documents requested. 

They are tying to buy time as I have given them everything they need and require.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: GA

Complaint narrative:
Thank you so much for having a look into this file. I for a couple of months now have been disputing items on my report with the credit bureaus. They have yet to conclude investigations that proves how they failed to adhere to the law.

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 2020-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
XXXX froze my account then closed and kept {$600.00}. XXXX froze my account then closed it and kept {$450.00}. XXXX has closed 3 separate accounts totalling over {$900.00}, and kept the money. Navy federal currently has closed my checking account and kept {$300.00} plus dollars. XXXX XXXX XXXX froze then closed my accounts with over {$700.00}. XXXX XXXX kept {$200.00} after freezing and closing. XXXX has frozen thousands and kept every last dime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: GA

Complaint narrative:
Thank you so much for having a look into this file. I for a couple of months now have been disputing items on my report with the credit bureaus. They have yet to conclude investigations that proves how they failed to adhere to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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:
Thank you so much for having a look into this file. I for a couple of months now have been disputing items on my report with the credit bureaus. They have yet to conclude investigations that proves how they failed to adhere to the law.

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 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This is a follow-up to my complaint regarding Trans Union. My original complaint filed with the consumer financial protection board and a number XXXX. The complaint was closed out because they claimed it was a duplicate complaint and that it had been responded to. Partially very true partially very false. It is a duplicate complaint. Trans Union did respond to my complaint. But in effect in my complaint I asked for 2+2 equals and they answered the cow jumped over the moon. Yes they did respond to my complaint but they never answered it they danced around it like XXXX XXXX. My complaint was why did they show me as being delinquent on a loan when I wasnt. They claimed I shouldve contacted the mortgage company. I did contact them before I ever contacted Trans Union. They cooperated and gave me copies of all reports they submitted to Trans Union. They never told Trans Union I was delinquent on a loan. Trans Union has yet to answer my question why they show me delinquent on alone when I was not. So yes this is a duplicate of a duplicate of a duplicate. And its because Trans Union has answered questions that were never asked. For example Trans Union responded to my complaint at the freeze was removed. But I never complain to Trans Union about the freeze not being removed. I will restate it again Trans Union went public With me being delinquent On a loan and I wasnt in the bank never reported it. And a base that and all documents given to me by the bank. So Ill ask again for Trans Union give me a copy of the report they claim they got from the bank stating I was delinquent or answer why they showed me is delinquent when they never got a report from the bank

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 2020-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
New York & Company closed my account a few days after I made a {$300.00} purchase in the store and a month after they had just increased my credit limit. I called to inquire why they said it was due to my credit report monitoring and that they did not have to tell me a specific reason, I have never had delinquency with this card. My credit score is way higher than when I originally obtained this card I have an excellent payment history on this card and all other commenity bank cards that I have had ( XXXX, Victoria Secret,  XXXX ) just to name a few and all of these cards are still open. So this makes no sense and their only answer was for me to contact the credit bureaus and I asked what for I have my credit report monitoring that I pay for and there is no negative recent issues this makes no sense and they are closing stores locally by me due to Covid and I think they are just shutting down cards I even pay for insurance on this card through Assure if I ever stop working so there is ZERO reasons my card was closed. In fact they negatively affected my credit history by closing the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I have suddenly received a drastic reduction in credit lines and one was outright closed as a rssult of Nationstar Mortgage not correctly reporting my status as " o n time '' when my mortgage is in a covid relief program. This had dropped my credit score a pproximately 50 point s within the span of just a week and has drastically reduced needed access to credit resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I've been making loan payments until the National Emergency Forbearance ( per Navient website ) due to Covid-19. I was advised the deferment of interest and payment ( Student Loan Payment Relief ) was from the effective date of XX/XX/2020, During the period of 0 % interest ( XX/XX/2020 through XX/XX/2020 XXXX, the full amount of your payments will be applied to principal once all the interest that accrued prior to XX/XX/XXXX is paid. 
I noticed that payments on some accounts were applied to Interest even after the Cares Act enacted. I've contacted them via email and with documentation on XX/XX/2020 and have not received a status or update to my account ( s ) affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
CFPB do not re-write my questions, send a copy of what i write i dont need an interpreter NOTICE OF ERROR I paid my Flood Ins on XX/XX/2020 for {$740.00} you continue to send duplicate checks on a non-escrow mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was recently notified by a financial institution that Id applied to for credit that an fraud alert was placed on my Experian credit report which prevented them from accessing my credit report to approve me for credit. I did not authorize Experian to place any security freezes or fraud alerts on my credit report. This has happened with this agency in the past on several occasions. Ive never had this issue with XXXX or 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 2020-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested on multiple occasions by mail to remove the following : unauthorized inquiries. 


XXXX  - XX/XX/2019 XXXX XXXX - XX/XX/2019, XX/XX/2019 XXXX XXXX - XX/XX/2019 XXXX XXXX - XX/XX/2019

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 2020-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Following is a letter to the Mortgage Servicer, I ; m request to forward, with a brief explanation of the problem : XX/XX/XXXX To : Shellpoint XXXX. XXXX XXXX XXXX, SC XXXX Ref : Account No. XXXX. 
Dear Sir/Madam : On XX/XX/XXXX I received a communication informing that my monthly payment was increased. Through my lawyer, I rejected this increase, since it not came from a correct escrow analysis. I have continuing receiving statements with the same wrong figures, three months after that, and there has not been any action by Shellpoint to  correct it. But the issue has a long history, see the following : On XX/XX/XXXX I filed a complaint with CFPB number XXXX, regarding serious errors on the Escrow Analysis for XXXX. 
The response dated XXXX XXXX recognizes the error and, due the Mortgage servicing was transferred to Shellpoint on XX/XX/XXXX, the error was never been corrected. 
Note, that I received a letter informing the change, dated XX/XX/XXXX, almost 6 months after the change took effect. I expect the previous Mortgage Servicer had transfer the complete account, with all the archives and pending items. 
As a result, since then I have received monthly statements with the incorrect figures. 
Fortunately, The Taxes and Interest Report for XXXX had the correct numbers. 
On the Escrow Account there were enough funds to pay for Property Taxes and Homeowners Insurance by the end of XXXX, and after that the remaining balance was enough to keep the same monthly payments on XXXX. In addition, I requested to transfer the Unapplied Funds, that were at {$1200.00} by the end of XX/XX/XXXX, to the Escrow Account, to avoid any other increase on the monthly payments, since the reduction of the monthly payments for XXXX was due to the existing escrow funds from XXXX. 
Consequently, Im requesting the following : -Escrow analysis for XXXX and XXXX, with the correct figures. 
-Monthly Statements from XX/XX/XXXX through XX/XX/XXXX, with the correct figures. 
These must be done, as soon as possible, since the actual Mortgage Servicer, doesnt have the complete correct numbers, As I can see on the Monthly Statements, and in addition, the Interest Report I have received for XXXX doesnt indicate the correct amount. 
Last, but not least, I declared Bankruptcy Chapter XXXX, on XX/XX/XXXX. On XX/XX/XXXX, we signed off the Loan Modification, then after that I continued doing the monthly payments, on the amount as indicated. The amount paid on the statement is incorrect, since I have paid the Monthly payments, since XXXX, XXXX. 
Have a great day, thank you, XXXX 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 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
debt as a result of unlawful retalitory eviction for reporting failure to maintain premesis in XXXX at XXXX XXXX XXXX years ago. Caused account to go sour. Lawyer will not take responsibility ( XXXX XXXX ) in correcting the matter. Complex has only just recently fixed thier broken premesis- leaving thousands ( forced thru robo eviction processes ) to be ruined financially and credit wise. Our " good renting names '' are ruined by unlawful data resale and we - even if debts were paid years ago- are still ruined. This is happening by the thousandfold right now due to corona. Landlords only care about profits and investors. Therefore debt in legal counterclaim belongs to XXXX XXXX c/o XXXX XXXX XXXX. Debt can be automatically default reverse judmented according to law. The courts refuse to prosecute and counterclaim without over XXXX bond- due at time of eviction, wether legal or not. Court would not hear evidence because city was in communication at the time- communications were by email. Mayor knows about the situation. " 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 2020-08-16 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The following shows up on my report, XXXX, when I click on it on the side it shows as misc. I have no idea of what this is or why is it even showing up on my report. It says it was done on XX/XX/2020  but I have not ran or tried to use my credit as of yet. 
Not only that but the following also shows Institution Information Syncb/tjx XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for this as well. Please help me on how to dispute these issues.

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