vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: OK

Complaint narrative:
I was looking through my credit report and these unverified accounts still reflects negatively in my credit report. I've asked each one of them along with the credit bureaus to please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature and me authorizing an inquiry. In the absence of any such documentation bearing my signature. and I formally request to remove these unverified negative accounts and all non-account holding inquiries over 30 days old in my credit file. Please note that Ive given them plenty of time to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed I made several attempts to pay my mortgage electronically between XXXX XXXX and XXXX XXXX. Navy Federal Credit Union has disabled my ability to make my mortgage payment online. 

I spoke at length with a mortgage collections specialist in XXXX, explaining that phone conversations sometimes exacerbate my XXXX/XXXX and are often difficult for me to communicate clearly due to my XXXX XXXX XXXX ( XXXX ). I stated to the representative that for me, blocking my online payment access is a XXXX rights issue. Immediately prior to filing today 's complaint, I again attempted to make a mortgage payment online and once again, I was prevented from doing so by Navy Federal Credit Union. NFCU has a history of preventing members from accessing our accounts, related to delinquent mortgage payments. NFCU then collects late payment fees after preventing members from paying our mortgages online. 

I am a retire XXXX XXXX XXXX XXXX with 22 years of service and am a current XXXX employee of in the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX XXXX 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 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Today XX/XX/XXXX I received two letters from citi bank on my credit card. 

This account has been closed couple months back. These letters dated XX/XX/XXXX state the previous provisional credit is now permanent. Since the account was closed they say they dont show the credit and that I can not request a check. 

Not sure why citi took so long to resolve and send out these letters. I would just like my money. 
Two amounts XXXX $ & XXXX XXXX 

I even confirmed by talking to the agents in customer service then they just couldnt figure why?

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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank closed our account and is saying i need to wait 30-60 days before getting my funds back. this is all the money i have.

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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2021 I made a deposit to my Wells Fargo Checking account. 
I have made multiple deposits from one bank account I have at a local credit union to another bank account that I have at Wells Fargo Bank. Usually the amounts are XXXX at a time. This time I deposited XXXX. For the first time, Wells Fargo decided to put a hold on the funds available for any amount over {$5000.00} for 10 days. 

This has resulted in additional fees and interest. It continues to cause additional interest due and has tied up my funds from being used elsewhere as this is still not resolved yet. 

The check was deposited from a local credit union that is serviced by the same Federal Reserve clearing house, the one in XXXX, Federal Reserve number XXXX. 

I have documentation that the check cleared my credit union account on XX/XX/2021. 

Wells Fargo continues to hold back availability of funds in my checking account. I have talked to 4 bankers and all 4 say that they do not have the authority to remove the hold. 

I thought banks were not lawfully able to hold funds on checks that have already cleared my other financial institution that is part of the same federal reserve. It seems that this hold is excessive and outside of the normal hold guidelines. 

Please advise. I would like them to pay punitive damages if they are out of line. 
This is ridiculous. 


I can provide documentation if needed.

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 2021-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
My husband and I applied for a construction loan through Arvest in XXXX, MO. We thought we had done enough research and were going with someone who would help us. We were wrong. First, our DTI was calculated using our temporary rent ( while we build ) as permanent debt after our build, and a " proposed '' payment for a final loan was added to our DTI making it very high. This took some work on our part to get Arvest to fix it. We got all the way through our construction application process ( 8-10 weeks ) and the appraisal came back extremely under market value. Our new construction home was appraised at $ XXXX/sq ft, while other banks were estimated at $ XXXXsq ft. The wrong land was appraised as well. We sent in a appraisal appeal and assumed that the bank would see how under value the appraiser had done. We were told we had to obtain our own comps, and were given no guidelines other than confirmed sold within 12 months and comparable. We thought we did well obtaining comps. We even submitted reviews for the appraiser, XXXX XXXX with XXXX XXXX XXXX. All of which were 1 star for under appraisal. The appeal came back XXXX/XXXX/21 as no changes stating " comps weren't close enough ''. Our house is going to be XXXX sq ft. We used comps of houses XXXX sq ft. They said the lots were too small on some comps. Some used on the official appraisal were 2 acres. The appraiser was at the meeting with the bank appeal team and the appraiser was the one to make the final call. I called Arvest and asked why there were no changes when the land appraised was not even the correct land. I was not given a good explanation and was basically told there was nothing I could do, other than submitting a new appraisal or doing an additional loan causing more risk to us. I have submitted a formal complaint with them and a manager from the bank contacted me ( with no help ). We are now starting from square one at a new bank, with higher ratings. I'm trying to ensure nobody goes through this same boat with Arvest Bank. We have good credit, a good income, and we don't have much debt. There is no reason this should've happened to us. It almost like Arvest did not want to give us a loan.

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
Statements read prior to purchasing XXXX gift card provided instruction on recovering for lost or stolen card purchased at XXXX on XX/XX/2021 ( my birthday ) so I would be able to charge for gasoline etc. instead of using cash traveling from XXXX XXXX to XXXX. As I was exiting XXXX after purchasing this card with my debit card, I had taken it out of the bag and put it into my pants pocket. I noticed when I got to my card, I could not find it. I went back to the Car Repairman where my car was and asked. This is when I was told that one of the service repairman was going to inquire at XXXX Customer Service ( since I had already called and received no response ). 

I called, emailed, and faxed ( XXXX ) information in reference to given Case # XXXX several times. Ultimately, the receipt from XXXX and records requested was submitted and several calls made with contradiction of written advertisement about refunds if lost or stolen. I will provide more pertinent documents and information upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: OK

Complaint narrative:
I was looking through my credit report and these unverified accounts still reflects negatively in my credit report. I've asked each one of them along with the credit bureaus to please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature and me authorizing an inquiry. In the absence of any such documentation bearing my signature. and I formally request to remove these unverified negative accounts and all non-account holding inquiries over 30 days old in my credit file. Please note that Ive given them plenty of time to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
I been out of Bankruptcy for a year. My mortgage payments with Rushmore are not getting reporting to the credit bureaus for a year now, how and can this be fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: OH

Complaint narrative:
This is my second time disputing the late payments for account XXXX XXXX XXXX # XXXX from XXXX-XX/XX/XXXX. I had some issues with my income being affected by theCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my second time disputing the late payments for account XXXX XXXX XXXX # XXXX from XXXX 2021. I had some issues with my income being affected by theCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: CA

Complaint narrative:
I was involved in an accident where my leased vehicle ( XXXX XXXX ) was deemed a total loss. The accident happened less than two months after we entered into the lease. In connection with the total loss of my vehicle, my insurance company ( XXXX XXXX ) paid Audi Financial Services {$37000.00} the value as of the time of the accident. This was higher than the value of the car at lease signing, which is set forth in the lease agreement as {$33000.00}. Audi Financial Services continued to require me to make monthly lease payments after the date of the accident, when I no longer had possession nor use of the vehicle ( which was a total loss ). Audi Financial Services is insisting that they will keep the difference of {$3800.00}, i.e. the difference between {$37000.00} ( value at time of accident ) and {$33000.00} ( value at lease signing ). Audi Financial Services also refuses to refund me the deposit ( {$3700.00} ) I paid at the start of the lease meant for the full term of the lease ( 42 months ). Therefore, Audi Financial Services will make money off of an accident I was involved in. Audi FS will make money from my insurance company and the insurance premiums I paid. In short, Audi Financial Services will make a profit from their customer 's accident. This is just patently unfair and unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
XX/XX/2021, received letter to settle account from SANTANDER CONSUMER USA in full if I pay {$310.00} by XX/XX/2021. Paid {$310.00} on XX/XX/2021. Today, XX/XX/2021, Santander now says I owe {$550.00}. 

The debts on my credit were not adjusted to reflect this even after they told me three times it would be fixed within 30 days after payment ( which was done on XX/XX/2021 ), so I had to submit disputes to XXXX and XXXX. The disputes were accepted, and my accounts were fixed to display that I no longer owed Santander Auto any money. 

Today, on XX/XX/2021, Santander has updated my XXXX account saying I owe {$550.00}, and they marked on my account that I missed a payment in XXXX, dropping my credit by 12 points. My payment was accepted on XX/XX/2021 to settle the account as PAID IN FULL, how could I have possibly missed a payment in XXXX of 2021 for an account that has now been closed for multiple months? 

They clearly have no intention of being honest, and are trying to mark things on my credit that they do not have the power to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I have a collections account in the amount of {$1600.00} from XXXX XXXX. I have no recollection about this account nor have I ever had a account with XXXX XXXX or ever purchased any electronics or wireless devices from XXXX. I have brrn a loyal member with XXXX XXXX for over 7 to 10 years. I have been a victim of identity theft and fraud and my information has been reported to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank denied my dispute after me sending in relevant documents to back up my statement by mail ( in their pre-addressed envelope ) and again ; over the phone to multiple phone representatives. I got denied stating I didnt provide the information requested ( I did, twice ) and then they contacted the credit reporting agency. 
Im disgusted on their lack of backing me up. 
Every time I call they have failed to update my file and I get left restarting my dispute all over again. 
Multiple fone logs to prove me on the fone. 
I have interactions with the merchant you scammed me to back up my story. Im mostly now disgusted by Bank Of America and their handling of the situation.

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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Citibank sent me a letter in approximately XX/XX/2021 saying that I had to answer a series of invasive and personal questions about my assets and liabilities that had nothing to do with my Citibank accounts, in order to follow Federal Law. They threatened to block my accounts- checking accounts I have had with them with zero issues for 20 years- if I did not comply. On XX/XX/2021 I had a long and extensive conversation with a Citibank representative answering all of their questions, even though I didn't think any of it was any of their business. There was one question I couldn't answer - they asked for the details of a specific transfer I'd received from another bank account of mine, but they didn't have the date of the transfer, only the amount, so I didn't know what it was for. They said if they still needed that information after reviewing the case they would call back with the date of the transfer so I could explain it, but if I didn't hear back to assume everything was complete. I never heard anything again. I received no further communication from them - not by mail, email, or phone- on this issue. And then on XX/XX/XXXX I discovered that my accounts had been completely blocked. WITH NO WARNING I was cut off from all of my funds. I called immediately and was forced to answer additional questions before they would remove the block two hours later. The block is now removed, and I will be closing my Citibank account, but this was a completely egregious mistake and I want this complaint filed so that if other people also experience this some action can be taken.

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 2021-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I spoke with Flagstar representative, XXXX who was unable to resolve my issue, then I was transferred to XXXX. XXXX told me he would work to update the system to reflect my request for payments to be applied to the months I specifically requested when I mailed the checks. Sometime in XXXX or XX/XX/XXXX I called and requested my loan to be brought out of Forebearance and requested to resume making monthly mortgage payments. 
I fulfilled my obligation as agreed upon to make 3 payments for the months of XXXX, XXXX, and XXXX, then have my loan modified. 
I feel like I am being penalized for trying to keep my home out of Foreclosure and resume making payments online without having to spend extra money and time by sending payments via Certified mail. 
This is an extreme inconvenience and causing more unnecessary stress. 
I request my VA Loan be immediately processed for modification so I can resume making monthly payments online. 
As of today, XX/XX/XXXX after speaking with XXXX, XXXX Representative the system does not reflect my loan payments were applied correctly as requested again and my loan remains in forebearance.

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