vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
In the beginning of XXXX I got an offer to apply for an Exxon Mobil Smart card and receive a savings of {$0.00} off per gallon of gas every time I fill up for the first 2 months, as long as I pay with the card linked through the Exxon app. I received the card on XX/XX/21 and linked it to my app. I then filled my tank using the card linked through the app as payment. The price of gas at the pump was {$3.00}. Using this payment method my cost per gallon was {$3.00} This was a savings of only {$0.00} and not the advertised savings of {$0.00} per gallon. I have emailed the company about this and gotten no response. I am linking a screenshot of this offer which can be found at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged collection XXXX AT XXXX XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ), you are required to notify me of the reinsertion in writing within 5 business days. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have attached an identity theft report for these apartments as Ive never stayed there before, please remove at once. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited check XXXX from a third party bank into my Bank of America checking account and advised them that I did not want the funds released until it cleared the other bank. The funds were released the next day. I called bank of America and was told the check had cleared the other bank. I then did what I was supposed to do and sent the money to the vender. Within 2 hours bank of america said the check was badand removed XXXX from my account. Then said it was their policy to add the funds in 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 explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I have a XXXX  debit card from crypto.com it is called the XXXX XXXX XXXX card excuse me XXXX XXXX XXXX metal card. I had to stake {$400.00} of crow which is cryptos.com 's own cryptocurrency. It has grown to be almost XXXX but that is money that I can't even move myself if I wanted to I can not log on to the account using the email I created. XXXX I can not get in touch with their support agents I have emailed them I've called the number on the back of a Visa card which is supposed to have all the protections of any other bank in the United States.

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 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
Ally Bank recently placed a restriction on my account stating that my account was overdrawn repeatedly. 

The most recent overdraft was caused by XXXX XXXX. I paid my credit card bill that was due on XX/XX/21 on XX/XX/21. XXXX XXXX went ahead and processed by auto pay scheduled for XX/XX/21. 

Ally Bank emailed to about this overdraft and stated that I need to bring my account current within 10 business days, else, they will place a restriction on the account I deposited a check into the account within the given time, however, a restriction has been placed on my account. 

We ( XXXX XXXX XXXX ) believe this is a mater of discrimination

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 2021-10-27 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
I had purchased a house jointly with my now ex-husband in XXXX. In XXXX we divorced. As part of the divorce I relinquished all rights to the house to my ex-husband. The loan was sold/tranferred at some point. The loan periodically appears on my credit report. My ex-husband is currently past due on payments. I contacted the mortgage company and they told me I was joint on the account and the only way to remove me from the account would be for my ex-husband to refinance. I offered to provide them with my divorce papers and they declined, again stating they would not be able to take my name off the account. In XXXX I had disputed this with the 3 major credit reporting agencies. XXXX and XXXX have removed this from their reports after I submitted the divorce documents. XXXX will not remove this. I recently completed another dispute with XXXX ( XXXX/XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TX

Complaint narrative:
I have a complaint requesting my BK XXXX XXXX reporting on XXXX and BK XXXX XXXX reporting to all 3 XXXX, TU and XXXX be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of BK ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by XXXX XXXX and placed back onto credit report same day ( now appears twice ) same identical BK XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.

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 2021-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Zillow Group Inc.
State: SC

Complaint narrative:
Zillow provides an automated rate table quoting system that allows consumers to instantly receive rate quotes based upon the scenario they enter that Zillow then rank orders on the page by APR. 

Zillow is aware and has been for many months that some lenders are gaming the system by reporting inaccurate APR 's on VA loans for the purpose of appearing at the top of the rank ordered lenders, when the APR quoted is not valid. This harms veterans applying for VA loans by falsely leading them to believe that the lender at the top of the page is the best offer when they clearly are not. 

The page view I am attaching shows five lenders quoting a 2.250 % VA 30-year fixed mortgage offering. The three lenders at the bottom of the page quoting a 2.421 % are accurate. The two above them showing a 2.410 % APR and a 2.420 % APR are not. 

You don't need to be an APR rocket scientist to understand a 2.250 % rate with {$520.00} in APR related origination fees in addition to the VA funding fee can not have an APR that is lower than a 2.250 % rate with {$0.00} APR related fee or a lender credit other than VA funding fee.

I brought this to Zillow 's attention months ago and have followed up with them since I first notified them that they were allowing false APR 's to be quoted by lenders to game their system and they have not addressed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts 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 explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/2020 {$15000.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
mr cooper agreed on a conversation in XXXX to push the amount owed to the end of the morgage and restore regular payment. 
it has been a month and it hasnt even updated to the system. 
called on XX/XX/21 and they are trying to deny the agreement. 
in the last 6 months mr cooper has done a lots of illegal moves, refusing government regulations on forbearance, reporting false info on credit bureau and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I have financed a vehicle with Westlake Financial Services I recently noticed that my full payments made dated from XX/XX/XXXX-XX/XX/XXXX were allocated to interest only, balance due from these dates remained {$15000.00}, I called Westlake Financial Services XX/XX/2021 regarding this issue with no resolve, I called again XX/XX/2021 spoke to 2 different customer service agents and still no one was able to tell me why. Today XX/XX/2021 I spoke to a representative that could only keep telling me over and over that my interest is charged daily from payment to payment but he could not tell me why these payments were all allocated to interest only. I asked for his supervisor and was transferred to the same person that I had spoken with XX/XX/2021. 
My contract that I signed at the dealership states my payment is XXXX for 72 months, there is no mention of simple daily interest. The workers that I have come into contact with are rude and disrespectful, and laugh when I am trying to explain my issue the worst one so far was named XXXX XXXX ( represented him self as a supervisor ) refused to transfer me to a manager for further assistance

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 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
I completed a mobile deposit for my USBank personal checking from my XXXX XXXX XXXX bank account. The check was deposited on XX/XX/2021 after work hours. The funds were released and debited from my XXXX XXXX XXXX account on XX/XX/2021, and I have screenshots for the proof of release of the funds. I have been a loyal customer of USBank for over 20 years. The check was over {$25000.00}, and only {$220.00} was released to be available for me. The branch location is very unresponsive, and there is no agent help. The number published ( XXXX ) XXXX indicates to call the USBank 24 hour customer service due to Covid -19 the branch is not taking calls. And if you call that number again, it puts you on hold and then disconnects. This location is at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. The USBank 24 hour services customer service number kept refereeing me to work it out with my branch since the branch put a hold on my check, Each time I spoke to an agent for the 24-hour service and asked why my check was held up when it was released from Ideal Credit Union as of XX/XX/2021, I kept getting confusing answers such as Regulation CC, some times the agent would tell me it's the mobile deposit policy for USBank. Yet Regulation CC states that I should have at least received {$5000.00} accessible right away. The reason for this big check was for debt consolidation to pay off the high-interest cards with USBank, especially the credit line that accrues interest daily. USBank held on to my funds that the XXXX XXXX XXXX released on XX/XX/2021. The branch near me that I usually go to, and I live close to this branch, tried to help me, but since my home branch imposed a hold, they could not help me at all. What is most frustrating is that " home branch '' I have not lived in that zip code for over 19 years!! Yet, I can not move my location to another branch since my account was originally opened up in that location. I feel like I am being held hostage at this useless branch that I never visit at all. I tried several times to call this useless branch at XXXX XXXX XXXX , XXXX XXXX, MN XXXX, and there is no live agent to assist. My funds are being held when my name is not on the XXXX list, nor has it ever been involved in any fraudulent activity. USBank needs to be held accountable for holding my funds under a false pretense of Regulation CC or whatever their internal mobile policy is.

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 2021-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: TX

Complaint narrative:
Nothing has happened, it is still showing on my credit report when it should not be. This is not my account nor is it in the correct name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I transferred {$100.00} from my bank account to someone using CashApp ( a service of Square, Inc. ) The person was unable to receive the money because they had misplaced their debit card and was unable to satisfactorily establish their identity to CashApp representatives. Given the fact that the person would be unable to access the money, I made an attempt to have the money returned to my bank account. On XX/XX/2021 I spoke with CashApp call agent XXXX. He told me if the money was not accessed within 14 days, it would be automatically returned to me. When this failed to occur, I next spoke with CashApp call agent XXXX on XX/XX/2021. He told me if I enhanced the security features on my account by obtaining a CashApp Visa card, I would be able to arrange for a return of my money. On XX/XX/2021, I spoke with CashApp agent XXXX. I told her that I had applied for and received a CashApp Visa card, and was calling to arrange for the return of the money I had transferred that couldn't be accessed by the recipient. She told me that such transfers were impossible to reverse in any and all cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Applied Data Finance, LLC
State: SC

Complaint narrative:
Personify Financial has sent a debt that is not mine, but part of identity theft to a debt collector. They have been calling me, my father, and friends and threatening to come to my job and arrest me. They also told my father I was writing bad checks and if he didn't pay they would arrest me. They threatened to put a lien on my grandmother 's home, and had my grandmother in the hospital due to almost having a XXXX XXXX because they lied to her! 
I received a voicemail today from them again, this time is stated : " Im with judicial Services. I've been instructed to contact you in regards to an active order of location that is being issued and filed due to avoided contact on your behalf they've instructed me to speak with your employer directly due to them wanting to have you processed their pay promise, with your home, or relatives homes as well at this point if you wish to avoid any further penalties. You need to contact the proceedings office that is filing your case once your case is been filed all of your legal rights to resolve this case will be forfeited permanently ... " they gave me the phone number XXXX to contact them and case number CD : XXXX, then notified me this was my legal notification about the case because they couldn't contact me. 
I told the man the first time he called that the debt was part of an identity theft case and not my debt and not to call me again. He has called 100s of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I was economically impacted by public health measures taken in response to the Coronavirus Pandemic. In addition to losing income, I was delayed by about a year in my ability to get required approval from my COA to rent my condo. I took advantage of my mortgage servicer 's Covid forbearance program in XX/XX/XXXX. 

Since XX/XX/XXXX, I have been requesting a loan modification in the hopes that 1 ) the payment would be lowered and 2 ) the balance accrued during the forbearance would be added to the back of the loan. 

In response to my request for a loan modification, I was sent paper Mortgage Assistance Application which I completed and uploaded to the Loan Solution Center on XX/XX/XXXX along with required documentation. I called on XX/XX/XXXX to follow up and was told the review process would be about 45 days. I followed up in XXXX via phone only to be told that I hadn't applied for a loan mod but they would grant me a deferment. Since then, it has been an endless loop of me requesting a loan modification, Citizens Bank saying " ok '', me following up and Citizens pretending I had neve requested a loan mod but offering a deferment. I sent a loan mod request in writing on XX/XX/XXXX. Today, they told me they can't see it because the loansolutioncenter.com is " backed up. '' I am beyond frustrated and I want to preserve the recordings of phone calls I have made to them, if they are recorded. I also want to be reviewed for a loan mod. Today they told me it would take 8 months for them to get a decision on a loan mod. However, they still won't admit I had uploaded a request for a loan modification but did provide an email where I could send my materials. They continue to pressure me to accept the deferment.

Company response to consumer: Closed with explanation