vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: LoanCare, LLC
State: VA

Complaint narrative:
Placed house for same in XX/XX/XXXX. Applied for and received COVID forbearance on home in XX/XX/XXXX. XXXX finally sold on XX/XX/XXXX. I attempted to apply for a new mortgage in XXXX of this year on a primary residence and discovered that Loancare placed derogatory marks on my credit report for each period the home was in COVID forbearance. I have called repeatedly to Loancare, often being told that no one could help and that a supervisor would call. None have, to date. 

When I started to file complaints with Loancare in XXXX, including sending an email to the president of Loancare, the servicing of my mortgage was sold to XXXX XXXX 's on XX/XX/XXXX. XXXX XXXX 's has indicated, in writing and through repeated calls, that they can not adjust comments made by another creditor ; it is up solely to Loancare to remedy. 

As of today XXXX XX/XX/XXXX XXXX, I still have not been able to speak with a supervisor of any capacity at Loancare, and, because the servicing of my mortgage was transferred in XXXX, my phone number comes up as an inactive account in their automated system and they will not speak to me without calling from an alternate number. 

I have also filed disputes with each of the credit bureaus, with no decision having been reached as of today. 

Ultimately, I can not secure a new conventional mortgage for the next 8 months, at a minimum, unless the comments are removed by Loancare. I fully complied with the terms of the forbearance, and ask that my complaint be taken seriously and addressed at once. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent numerous letters to XXXX, Transunion and XXXX  disputing inaccurate items on my credit report since XX/XX/2021 with no response by phone, mail or otherwise and no results.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NJ

Complaint narrative:
There were transactions from a vendor in XXXX named XXXX XXXX XXXX, which I or my daughter did not make. I filed a dispute on the transactions, closed the card on XX/XX/2021, and requested a new card. Then another transaction posted from the same vendor on XX/XX/2021. I was mailed a form for the dispute and when I called I was told that there was " Conflict of information based on wording '' and they closed the case on their end and never investigated or credited my account but I could file a police report. I then went to the police department who requested a print out of the transactions. I called the EppiCard 24 times, yesterday, from XXXX XXXX until XXXX, being placed on hold, hung up on, transferred to the wrong departments, told they had technical issues, and given the run around. Eppicard is doing nothing to resolve, investigate, or cooperate in this matter so that I can at least file a police report. 

The transactions total to {$340.00} and are the following : XXXX XXXX XXXX XXXX  fee : {$3.00} XXXX XXXX XXXXcash purchase : {$170.00} XXXX XXXX XXXX XXXX fee : {$3.00} XXXX XXXX XXXX XXXX purchase : {$160.00} XXXX XXXX XXXX XXXX fee : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank misled me about when funds I transferred into my account from an external account would be available. Using Citibank 's website on Wednesday, XX/XX/XXXX, I initiated an electronic transfer of {$12000.00} from my XXXX Bank checking account to my Citi Accelerate Savings Account. Citi told me via email and on its website that my " estimated deposit date '' was Thursday, XX/XX/XXXX XXXX see attached ). 
Relying on Citi 's representation that my money went through on this timeline, I initiated a credit card payment from XXXX on XX/XX/XXXX. XXXX pulled the money on XX/XX/XXXX from Citi. Citi inexplicably rejected this transfer due to " insufficient funds '' even though my account had the funds in it. 
When I complained via chat in the Citi app last night ( see screen shot ), the agent claimed that Citi had placed a 3 day hold on the funds - meaning they would not be available until XX/XX/XXXX - 6 days after I sent them and 5 days after Citi told me they would be available. But at no point before I complained did Citi tell me about a 5-day delay in the funds availability. I had no reason to believe the funds would take more than 24 hours to arrive. Indeed, Citi 's website still shows ( see screenshot ) that I can make a transfer today that will arrive tomorrow. 

If Citi 's policy is to place a 3-business-day hold on inbound ACHs, it should disclose that information prominently. If that is not Citi 's normal policy, I want an explanation why I ( a long-time customer who has never had a transfer reversed ) was subjected to an exceptionally long hold. I would not have moved my money to Citi that I was using to pay my Chase card if I had known about this delay, and I probably would be less likely to use my Citi account going forward.

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 2021-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have a car loan with Capital one and have been a dutiful customer, already paying XXXX percent of the loan within one year. I have another account a credit card with Capital one and received a covid extension a few days ago, so I do not have to make a payment.. based on the same information, I asked today for a loan extension but Capital one denied it for my auto payment. They claim it was generated by a computer and they have no influence over the outcome. 

Capital one arbitrarily has established a moratorium program, where consumers can apparently be denied on the exact same basis you were recently approved for. Capital One needs to be fair and consistent. Also I would hope that Capital One would be helpful to it's customers during a pandemic which hundreds of thousands of people have lost their lives and the economy has been devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The Bank of America Business Advantage Fundamentals checking account offers three ways to waive the monthly fee. One of them is a having a combined balance of {$5000.00} in accounts. I have a certificate of deposit in the amount of {$4700.00} and a checking account with more than {$400.00} in it. I called Bank of America on XX/XX/XXXX to confirm that this would make me eligible for a waiver of the service fee and the agent I spoke with confirmed that it would. However, on XX/XX/XXXX, I was charged a {$16.00} service fee. I called on XX/XX/15 and the agent I spoke with said that the previous agent was incorrect and that I was charged a fee because my CD is a personal account and my checking account is a business account. If I had known this information when I called on XX/XX/XXXX, I would have taken one of the other options to waive this fee, but I did not do so because of the incorrect information I received.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX/XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXXXXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX  : XX/XX/2021 XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Pentagon Federal Credit Union has failed to pay my homeowners insurance and my insurance coverage was canceled. 

I called Pentagon Federal Credit Union on XX/XX/2021 at XXXX and spoke to XXXX XXXX He said he submitted a " research '' on this but I never heard back about any results. I called back that same day at XXXX and spoke to XXXX who transferred me to XXXX XXXX XXXX She confirmed that XXXX sent the insurance payment to the wrong address. XXXX said that Pentagon Federal would pay the insurance bill and would be reimbursed by XXXX XXXX. 

XX/XX/2021 I received a cancellation notice from my homeowners insurance company, XXXX, because Pentagon Federal still didn't pay them. I called into XXXX to reinstate the insurance and paid the {$1100.00} bill myself. 

XX/XX/2021 at XXXX I called into Pentagon Federal Credit Union and notified them that the insurance bill had not been paid and my insurance had been canceled. I also notified them that they have the date for my property taxes wrong and that payment will be a month late as well. I told them I paid the insurance bill and expect reimbursement. 

The property tax bill is due XX/XX/2021 - in approximately 2 weeks and they don't have it scheduled to be paid until XX/XX/2021. 

I called in again at XXXX and spoke to XXXX XXXX She said no supervisor is available and that I should be getting a call back within 24 hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15 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: AES/PHEAA
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied online to 'pre-qualify ' for an auto loan with Capital One to refinance my XXXX auto loan on XX/XX/2021. The amount I entered online was the amount needed to payoff my current loan - {$26000.00}. The Capital One website then showed me several offers - but it showed only the monthly payment, the interest rate ( all 3.33 % ), the loan term, and the amounts I would save compared to my current loan. I tried to look for more details but no more were provided. It then invited me to apply for the a loan offer by selecting one and clicking submit. The interest rates were all the same, so I submitted an application for the 48 month term loan. 

Unbeknownst to me, I had applied for a higher amount than I intended - {$28000.00}. This only became clear to me when at the final step of the application process, when I was reviewing the documents. Capital One was charging a financing fee of {$1800.00} and a lender titling fee of {$15.00}. At no point in the application process was it clear that Capital One had changed my 'pre-qualification ' application to borrow an additional {$1800.00} in order to pay their fees. Capital One 's website showed only the things I mentioned above, and was made such that I could only click on an offer and submit an application - I never put in the amount I wanted to borrow. 

The final stage where you accept the offer has check boxes asking you to verify that you have reviewed the documents and accept their terms. You have to download the documents in order to view them properly, and there is no attempt to verify this is done by the web application. You can check the box without even scrolling through the documents. That is the only place where the amount you would be borrowing is shown. 

This was a misrepresentation and inadequate disclosure on the part of Capital One. I did not intend to borrow more than {$26000.00}. I would not have applied for their loan product had I known that a {$1800.00} financing charge would be imposed. Capital One did not adequately disclose that these fees were in terms of the loan application, and in fact took many steps to obscure their hidden fees by displaying only interest rates and monthly payments in their website. I did not sign the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Walwick, Inc
State: WA

Complaint narrative:
Merchant 's Credit Association XXXX I owe medical debt from XXXX XXXX. I had made a payment and was paying it off. I did not receive follow up bills/reminders in mail and Covid had happened which sent us all reeling. 
I had checked my credit report as it had gone down and I was surprised. I did then get a bill in the mail. I tried to pay online and by phone MULTIPLE times but it kept saying my packet number was wrong. Also, the collector did start calling me and we missed one another every time. I had left on the recording the issues with my packet # and not being able to pay through the portal and to please leave me the info on VM if I can't answer. He did not. 
I just spoke with a supervisor ( who was rude ) and was on hold to speak with a higher staff member when I was discounted. The supervisor told me that XXXX XXXX bills can not be paid by phone or web portal. THAT IS NOT LISTED ANYWHERE on the bill nor had been stated AT ANY TIME. 
I have been working on my credit for years and this XXXX $ bill just brought it down significantly when I HAVE BEEN TRYING TO PAY. 
Now, I just spent 20 min on the phone with them trying to get to the bottom of why I couldn't pay by phone nor web and was disconnected. I just left yet another message for the person ( maybe the 10x I've called ). 
I WANT TO PAY THIS BILL. THis should not be reflected on my credit score as payment has not been accessible. The collector who I was speaking to when he asked his supervisor to come speak with me, he sid, " I have a consumer who's hot right now. '' Can you help me? 
* A note that mail in our area has been stolen this past year especially with the homeless situation and Covid. Many issues of theft and burglary. 

Thank you, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
I have received multiple fraudulent emails claiming that I owe {$970.00} to speedy Cash doing business as their speedy XXXX XXXX etc etc etc I do not have a payday loan out from these people I never have so I'm quite certain I don't know them anything but they keep sending emails after email and I've responded back many times and they just send another email and it says it's the email address is for me attorney XXXX something or other but the name on the email is XXXX XXXX so it makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine. According to XXXX XXXX and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: PA

Complaint narrative:
I have sent numerous letters to XXXX, XXXX  and Equifax disputing inaccurate items on my credit report since XX/XX/2021 with no response by phone, mail or otherwise and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have filed had to add multiple initial fraud alerts, the most recent that I filed was XX/XX/2021 that was removed from my equifax account without my permission and no one at Equifax can tell me why. I have mailed paperwork three times to get an extended fraud alert added for me and once for my mother. Her information was received and add to Equifax. I mailed the documents on the same days which was XX/XX/2021, then again on XX/XX/2021 and then mostly on XX/XX/2021 with tracking information from XXXX Delivered, Individual Picked Up at Postal Facility tracking XXXX XXXX XXXX XXXX XXXX XXXX Delivered. Per XXXX tracking information my documents were received by Equifax on XX/XX/2021 @ XXXX and picked by an individual at the postal facility. I contacted Equifax on today XX/XX/2021 and spoke with several reps, who stated they don't have my documents and the supervisor XXXX she stated they don't have the documents. I called previously after both XXXX  and XXXX had added my extended fraud alert back in XX/XX/2021. After being wrapped up in 2 Equifax data breaches and having to send my documents three times for one at Equifax to be able to locate my documents is a scary situation. I need help and assistance because no matter how much information I have that my documents were received or that an initial alert was placed and removed without my consent they are not protecting my credit file. Equifax provided information that the initial alert was removed from my account and still have no clue as to why. Equifax initially had someone else 's information on my credit file. I had to provide proof of who I was to have my information corrected to get speak with a rep at Equifax. This continues to happen for the past several years. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation