vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Carvana Group, LLC
State: OH

Complaint narrative:
I tried to extend my credit and conduct a consumer credit transaction and finance a vehicle through Carvana.com and their requiring a down payment separate from the finance charge which is supposed to be included in the finance charge which is the sum of all payments pursuant to 15 usc1605. I contacted someone to try and resolve this issue but no one seemed to hold authority to resolve this matter. They willingly and knowingly misleading me through false representation which is in direct violation pursuant to 15 usc 1611 & see 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc refinanced our equity loan on XXXX. The loan was just paid off XX/XX/2022. They charged a late fee on XX/XX/XXXX due to their booking issue however the rep. Said they would refund the XXXX charge. How can they charge us interest on 2 loans at the same time for the same type of loan class and not backdated the payoff resulting in an additional XXXX  per day of interest plus they're charging me interest on the new loan we have with them with higher rate and balance. The same house the same company and both heloc eqty loans. So double interest. Illegal. I believe pnc needs a State of Ohio Audit done on all refinances seeing they can not double dip and charge late fees when we closed with them on the XXXX. I worked in XXXX  15 years and also was the XXXX XXXX  who helped XXXX XXXX who was your XXXX and I know for a fact if fees or interest are charged this way we would get nailed for it. How may customers refinances has this happened too with PNC? I'm sure it never happened at XXXX XXXX XXXX where I worked or we would've been shut down. Now if they can prove otherwise then no problem. Also the due date went from XX/XX/XXXX to XX/XX/XXXX for a first payment so does that mean 2 months interest due on our first payment? The ist payment should be 30 to 45 days from closing date of XX/XX/XXXX. Therefore XX/XX/XXXX is too far out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My mortgage servicing company is Specialized Loan Servicing I ( SLS ) I Was given forbearance From XX/XX/XXXX until XXXX XXXX due to Covid pandemic. 
I started the payment from XXXX XXXX, XXXX and have been paying on-time ever since. 
Not XXXX payment has been late as of today, XX/XX/XXXX. 
I am working for the XXXX XXXX in Florida as XXXX XXXX with a yearly salary of {$88000.00}. 
Since XXXX XXXX, XXXX, I have been paying my monthly mortgage amount of {$2600.00} as it was before the start of the forbearance ( also verified by phone with SLS ) via cashiers check. The last payment was mailed, via return receipt, on XX/XX/XXXX for the month of XX/XX/XXXX. 
I have never been late in my monthly payments. 
SLS has required full payment amount of forbearance which is close to {$49000.00} since after the end of the forbearance period. 
Regardless of months of following their instructions and requirements for paperwork they kept saying I do not qualify and offered me deed in lieu, meaning they want me to give them my house. There is over {$400000.00} equity in my house which is practically my retirement money. After initially disqualifying me for income and expense ratio, they reported me to the credit agencies which brought my credit score from XXXX down to around XXXX and in their final communications to me they disqualified me for any help because of my credit score. 
My question to your agency is that is this practice, right? They offered forbearance by choosing a number on the phone for over 3 or 4 times during pandemic and always said they will work with me at the end of the forbearance period.

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 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
We are closing on the sale of our home and, as a part of that, the title company requested the payoff from our mortgage lender. They are trying to charge is a {$1600.00} prepayment penalty because we closed on the refinanced loan less than 36 months ago. However, their monthly statement listed the prepayment penalty as " None '' and they never verbally disclosed the prepayment penalty with us at any time during the loan process. It is also not included in the language of the Note or Deed of Trust ( although apparently we did sign a disclosure that neither of us remember being disclosed ). We believe the failure to list the penalty on the periodic statements is in violation of the CFPB rules on this topic.

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 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XXXX XXXX i has applyed for an loan of {$250.00} an they denial for any income discramatation that i believe and i also were still treat unfairly previously years doing on XXXX and today XXXX XXXX i has contact check'n go to confront to them about my complain and they not able to explained the reason at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was scammed by a person who represented themselves as an employee of XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ). I was told that my power to my house would be shut off immediately if I did not send payment through my Bank. I sent payment through XXXX at Bank of America from both my checking and savings accounts. The checking account payment went to XXXX, XXXX which is a fictitious company. Further, the number that I was asked to use to send the money turned out to be a XXXX number for someone in XXXX, Illinois. The payment from my XXXX Account, when I was told that the payment did not go through my checking account again was not affiliated with a gas and electric company. It went to XXXX XXXX which is a number in XXXX  Virginia. I immediately reported the scam to the XXXX XXXX Police as well as XXXX  & XXXX in XXXX XXXX. Regulation E is a regulation put forth by the Federal Reserve Board and is meant to protect banking customers who use electronic methods to transfer money.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been trying for over a year to get Capital One to work with me. I have XXXX accounts that I am trying to pay off. We were forced to move in the middle of XXXX from XXXX XXXX California  to XXXX XXXX California. We did not have jobs and were forced to use our credit cards to survive. 
I have been able to work with my other creditors and pay them off. I have asked Capital One if they can merge the XXXX accounts so that I have XXXX payment... they refuse. 
I have asked if they can lower my interest rate? They refuse. 
I am not trying to get out of paying my debt, but I would really like some help. 
I have a balance of {$4900.00} on XXXX account and a balance of {$5900.00} on the other. If they wont work with me, I will never get these accounts paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: AK

Complaint narrative:
I opened an account at Ally bank on XX/XX/2022, under the premise that it was an online bank, does not have a physical presence in my state, and would be receiving my debit card in the mail after my first direct deposit. I selected the debit card option during the sign up process. After selecting this option, the website displayed a message that informed me that the card would arrive within 5 business days of my first direct deposit. My first direct deposit of {$490.00} posted to the account on XX/XX/2022. By XX/XX/2022 I still had not received my debit card, and still had no access to my funds, so I contacted customer service through their mobile app. I was connected with an associate who identified themselves as " XXXX from Florida ''. When I explained the situation, they told me that the debit card had not been ordered during the sign-up process. I informed them that I absolutely selected the debit card option during sign-up, and that the mistake must be on their end. She informed me that I would have to order a card manually, which could take another 10 days to arrive, and they would not expedite it without charging me a {$15.00} fee.

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 2022-06-24 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: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX failed to comply with my XXXX XXXX Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to XXXX XXXX XXXX requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with XXXX XXXX XXXX XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.

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 2022-06-24 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: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX failed to comply with my Metro 2 Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to XXXX XXXX XXXX requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with XXXX XXXX XXXX XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX failed to comply with my Metro 2 Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to XXXX XXXX XXXX requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with XXXX XXXX XXXX XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.

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 2022-06-24 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: PA

Complaint narrative:
I previously ask for a investigation into my credit file because there are account that are not reporting XXXX XXXX please re- investigate these accounts and please hold these companies accountable for inserting incorrect information that is damaging people credit files.

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 2022-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I have been asking for verification validation for going on 2 years. I have recieved absolutely nothing from said company. i want " proof '' of alleged debt. other than a computer generated invoice that anyone can make up, as long as a company has your name and some sort of address they can send out an invoice stating you owe this amount kind of like a ransom pay up or we will ding your credit report. something bearing my signature stating i have some sort of contractual obligation of said debt. I have disputed this information with the credit reporting agencies and only answer i get is that they certified that its accurate which implies that they in fact have some sort of documents bearing a signature some sort of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ Data International has called my husband multiple times including at his place of work during business hours to discuss collecting a debt that we have already explained is not valid and is being disputed. The collector ( s ) on the phone where disrespectful, aggressive, and threatened to continue to call back. The collector ( s ) have not respected our request to not call back and not call us at work. The so called " debt '' in question is being disputed as the amount is not accurate, and the business ( XXXX XXXX XXXX ) was reported to the XXXX  ( XXXX  CASE # : XXXX ) due to their unethical and irresponsible practices. We have tried to resolve directly with the business since day one but the business has been unresponsive and wont hear our dispute which we have provided evidence for in writing. The " debt '' was sold within 2 weeks to a collection agency and none of our emails or communications where responded to. The collection agency has not validated the " debt '' or the amount. We have not received anything in writing from anybody at this point. Both my husband and I have exceptional credit scores and an excellent credit history, and always pay what we owe on time. This debt is not valid and needs to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: CA

Complaint narrative:
SoFi promised a cash bonus of {$300.00} per the terms below. I have copied and pasted at the very bottom. 

I opened my SoFi Checking and Savings in XX/XX/XXXX. I had Direct Deposits of {$4000.00} on XX/XX/XXXX and {$2200.00} XX/XX/XXXX. I also have recurring direct deposits of about {$2200.00} every biweekly since then. 

I have not received the {$300.00} cash bonus since then. I have spoken to a SoFi representative and I have only received {$50.00}. 



The following describes the terms that apply to participation in the SoFi the SoFi Checking and Savings direct deposit program ( Program ) offered by SoFi Bank, XXXX XXXX FDIC ( SoFi ). 

Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. 

Promotion Period : The Program will be available from XX/XX/XXXX XXXX ET to XX/XX/XXXX XXXX ET. 

Bonus Terms : In order to qualify for eligibility for a bonus, SoFi must receive at least one Qualifying Direct Deposit from an Eligible Participant during the Promotion Period. Qualifying Direct Deposits are defined as deposits from enrolled members employer, payroll, or benefits provider via XXXX deposit. Deposits that are not from an employer ( such as check deposits ; XXXX transfers such as from XXXX or XXXX, etc. ; merchant transactions such as from XXXX, XXXX, XXXX, etc. ; and bank XXXX  transfers not from employers ) do not qualify for this promotion. The amount of the bonus, if any, is described below. No bonuses shall be paid for qualifying Direct Deposits of less than {$1000.00} during the Evaluation Period ( defined below ). 

Evaluation Period : The bonus amount will vary based on the total amount of Qualifying Direct Deposits received during the Evaluation Period. The Evaluation Period is defined as 30 days from the date your first Qualifying Direct Deposit is received. For example, if you receive $ XXXX {$1900.00} in Qualifying Direct Deposits in the Evaluation Period, you will receive a cash bonus of {$50.00}. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the Evaluation Period. 

Total Qualifying Direct Deposit amount in 30-day Evaluation Period Cash Bonus {$1000.00} {$1900.00} {$50.00} $ XXXX {$4900.00} {$100.00} {$5000.00} or more {$300.00} Payment timeline : SoFi will credit members who meet qualification criteria within 14 days of the end of the Evaluation Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
Received a letter today from Dynamic Recovery Solutions for an outstanding debt that was paid off years ago. I believe this company called family members and were very harassing. They reached out to family members and released personal information.

Company response to consumer: Closed with explanation