vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I need assistance from your agency. 



Macys/DSNB has for years continued to destroy my credit rating with a debt for {$610.00} that I did not owe. 

This has been going on since around XXXX, and I have disputed the debt many times over the years. 

I have gotten the debt removed from my credit files, and Macys/DSNB continues to re-age the information as they have done on the copy of my credit report that I have attached with this complaint, and they have added it back to my credit files. 

In XXXX I had gotten an attorney to write to Macys/DSNB because they were also requesting copies of my credit files from the credit bureaus constantly. 

They would request copies of my credit files in one week, several times consecutively for a week. 

At times they were having my credit files run daily, or they would request my credit files several times in a month. 

And they would continue to request my credit files consecutively month, after month, after month. 

I want Macys/DSNB to stop requesting my credit files, I have no business with them, and they have no reason as to why they need to have my credit information, other than for the malicious activity that they have been conducting. 

I have questioned the credit bureaus as to why this information has been continually been placed back onto my credit files once it had already been deleted more than once, and I was told, that Macy/DSNB is the one that is intentionally reporting this information. 

Just prior to XXXX, there was a period of time that Macys/DSNB was reporting two false accounts onto my credit files so as to intentionally ruin my credit rating. 

I want all of my credit files corrected, and I want this credit account removed from all of my credit files, and I would like hard copy proof that the information has been removed. 

I want Macy/DSNB to provide you the Consumer Financial Protection Bureau with the written proof that I have requested, that they have permanently removed all of this account information from all of my credit files, and you the Consumer Financial Protection Bureau can provide me with the written document. 

I dont want Macys/DSNB to bypass your agency. I want all communication to come from Macys/DSNB, to you, and your agency can contact me.

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 2021-05-04 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: FL

Complaint narrative:
On XXXX i sent equifax a method of verification letter. To this day they failed to send me a method of verification to validate the alleged debt thats on my credit report. I am in the process of buying a home and I am very stressed the way they handled the situation By law if you are unable to prove it, you must remove it. All the disputed accounts are unverifiable. Equifax is under violation under 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX 2020

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 2021-05-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I refinanced my FHA mortgage with Arvest Bank in XXXX of XXXX. On Friday, XX/XX/XXXX, I sold my home secured by this mortgage and payoff was to be sent that day from XXXX XXXX XXXX XXXX in XXXX, Arkansas. However, they did not send the wire that day, apparently missing the cutoff time which caused my payoff to not be received until Monday, XX/XX/XXXX. I have been in contact with both XXXX and XXXX, who have not offered any remedy to the situation that is not my fault. I am aware of the CFPB 's stance that this practice is considered a prepayment penalty prohibited by law, and that the FHA effectively banned this for loans made on or after XX/XX/XXXX. While my loan was made prior to this date, there have been numerous successful class action suits made by borrowers over this issue. It is theft. I no longer had legal access to this property as of XX/XX/XXXX and if you aren't going to charge me a mortgage payment for XXXX ( it would have been due XX/XX/XXXX ), how can you charge me interest? In addition, my monthly mortgage payment was made for XXXX of XXXX, which included interest of {$290.00}. Where is the {$590.00} of interest on the payoff coming from? The payoff is dated through XXXX and I closed XX/XX/XXXX. I have been overcharged and I would like these funds returned to me, along with my surplus escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortgage was sold to Freedom Mortgage and they offered to refinance to a lower rate, so I took the offer. From there, they were quite difficult to deal with. They do not answer their phones, return voicemails or emails, do not properly schedule closings ( scheduled and no-show ), and keep you on hold for hours/do n't call back with option for call back. If this is how they act before they get your money, imagine how they'll act when they already have it.

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 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
So I have been on forbearance for the past year like everyone. In XXXX, the COVID Relief act passed {$9.00} XXXX to help homeowners. When I try to apply for these funds to help bring my mortgage current, there seems to be no money available. So is this a lie? Why cant we apply for help from this {$9.00} XXXX. I NEED HELP ASAP. My forbearance ends soon. 

See XXXX XXXX XXXX XXXX XXXX  " The bill also provides {$9.00} XXXX to help homeowners struggling with mortgage and utility payments. To apply for mortgage assistance click here. " but when you apply it just takes you to a page that says you have to apply for a forbearance. ARE YOU KIDDING ME??????? 

please eXPlain why this money is not really available to help homeowners stay in their homes when it was put in writing that it was.

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
Hello. During the Application Process of getting a Credit Card w/ AVANT***, their website eventually brought my attention to Loans*** BUT NOT FIRST OR RIGHT OFF. [ Note : I did NOT know of their Loans and was sent a Credit Card Invitation by Standard Mail ... NOT a Loan Invitation OR anything about Loans, Etc. ] W/that said, my coming across Loans was of GREAT immediacy for which I am tremendously thankful and made it so as soon as I did, I applied on-line for a Loan and several times since nothing appeared to be working correctly time and time again. What I did NOT and did receive from AVANT about Loans appeared to be compromising*** my e-mail information AND the e-mail information of ONE AND TWO accounts, my contact information, my personal information, etc. and made me so extremely, extremely UNcomfortable to the point of POTENTIAL victimization that I called AVANT right away about both ... To eventually learn -to sum this up simply- that you can NOT have both ( Credit and a Loan ) at the same time.

Having said that too, what they did to me was so victimizing, etc., that I left the Credit Card AND the Loan w/ GREAT immediacy. Everything is of GREAT immediacy here!!!! Closed both. Have ABSOLUTELY NO interest in either or in their company and its business practices ... And do NOT approve of what they did to my e-mail accounts, my accounts, my account information, my password AND passwordS, etc. -they appeared compromised- and it still appears to have some continuance when it should have NONE. Very malicious, suspicious, and criminal-looking and -acting. Credit and Loans I have NO interest in whatsoever. A Company in need of correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: FL

Complaint narrative:
On XXXX i sent Transunion a method of verification letter. To this day they failed to send me a method of verification to validate the alleged debt thats on my credit report. I am in the process of buying a home and I am very stressed the way they handled the situation By law if you are unable to prove it, you must remove it. All the disputed accounts are unverifiable. Transunion is under violation under 15 USC 1681

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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2021, I went into a local branch of Fifth-Third Bank and opened an account. During this account opening which occurred inside the bank, I was able to set up my online access in the presence of the account representative. After leaving the bank and over the next few days, I attempted to access my bank using both my mobile phone device via the appropriate mobile app for my XXXX and using my laptop computer running XXXX XXXX XXXX ( Both XXXX web browser and Internet explorer web browser ). During these attempts where I was logging in and reviewing the website and my account profile, I would be prevented from setting up and using the online bill pay section of the 5/3 banking site. On or about 4/30/2021, I called their customer service number and spoke with a representative and explained my frustration with : 1 ) Being locked out of accessing the website via my computer and mobile device. 2 ) Being unable to set up a new payee. She indicated that my account had been flagged as being new and that their system had flagged my account as a " high risk ''. She then made a suggestion that customarily the risk would go down if I refrained from logging into my 5/3 account for 24-48 hours. I spent the entire weekend refraining from accessing my account via mobile device and laptop computer. 

On XX/XX/2021, I attempted to gain access to my account and was successful in logging into my account via my laptop computer. I then proceeded to set up a new payee for my XXXX XXXX. When I attempted to set up a payment for the new payee, I was able to get all the way through choosing a amount and date, but when I attempted to click the confirm button, their website responded by saying something to the affect of 'You are not allowed to do this, please contact the following number '. 

On XX/XX/2021 @ XXXX, I returned home from work and attempted to gain access and to schedule an online bill for the above listed XXXX XXXX I again was stymied by an inability to enter the website till I called customer service and was instructed to clear my browser history and cookies. Eventually, I was able to access my account via my laptop by using XXXX XXXX as my browser. Still on the phone with customer service, I attempted to schedule an online bill pay to XXXX and was again presented with the same notification at the final stage of confirming the amount/date. The customer service rep told me again that my risk score was " high '' and their was no way for her to reset or override this 5/3 banking alert.

I therefore am making an official complaint that 5/3 is restricting or preventing me from using money that has legally been deposited into my account and which they have no reason to restrict access to. My only way of accessing these funds is to physically walk into a branch office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MD

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house, a car and finish my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express account # XXXX XXXX XXXX Account holdder XXXX XXXX XXXX I made payment on this account on XX/XX/XXXX, this week, same day payment was due, via my checking account at XXXX. As usual, the payment was scheduled for the due date days in advance. 

Despite the bank showing my payment was made, American Express charged a late fee of {$29.00}, claiming payment was not received in time this week or never made ( according to their system, they don't know what exactly caused problem, but this problem was caused by American Express, as my bank XXXX is clear that payment was made on time, in full ) In my experience, American Express is one of the worst among credit card companies for claiming payments are late, in order to run up fees and excess charges on the account. 

American Express also failed to comply with the COVID forbearance requirements, as required by XXXX law, starting in XXXX. 

I appreciate the intervention of CFPB in this matter. 

Also, I suggest a careful examination of American Express practices on all late fees is required, as well censure and XXXX fines for failure to comply with the COVID forbearance requirements. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
During the pandemic I fell on hard times and lost my job and second source of income. The CARES Act was passed, so i just recently seen my credit report and seen UNLAWFUL reports of lates to my report!! 

So after careful review of the CARES Act i sent the Bureaus letters on XX/XX/XXXX and still OVER XXXX later Still NO REPONSE! The FCRA states that disputes must be resolved within XXXX  days, I feel takin advantage of as a consumer violated in my rights! 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by XXXX and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, as furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current. These new reporting requirements are retroactive to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: KEYCORP
State: WA

Complaint narrative:
I was involved in a fraud transaction that was proven to be no fault of mine. Later the financial institution sent me a letter of information that was sent to XXXXand said my report may need to be updated.as a result I was denied a checking account at XXXX XXXX. Also XXXX XXXX close my checking account when I had already made arrangements to clear a {$92.00} overdraft.

Company response to consumer: Closed with explanation