vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I purchased my home in XXXX and after my loan closed and 2 deeds were recorded as it was a bond loan, the lender had to redraw docs -within the same month- and 2 new deeds were recorded. However, at that time, the original deeds were not reconveyed. When my loan was modified in XXXX, this was supposed to have been resolved. I am now selling my home and all 4 liens are still on my title. I have reached out to the service - Loancare- as has title and escrow with a request to provide a full reconveyence letter once the loan is paid in full and no one is assisting. For 39 days I keep getting tomorrow or we will call you back and nothing is happening. Now I am paying XXXX a day on the extension for the home I am buying that was supposed to close on XXXX and they will only extend until XX/XX/XXXX and my earnest money is no longer refundable. XXXX addition, my buyers for my home are requiring me to pay for their lock extensions and are threatening to sue me because I signed a contract stating I had a clean title which I clearly dont. Today is my dead last day and Loancare has opted to ignore my calls, emails and puts me on hold for hours at a time to come back and tell me that it will take some time. I dont know what to do. I am going to lose everything over their mistake and no one cares. I need help. I had a modification that they tried to fight but lost because they violated HIPPA and I feel like I am now being discriminated against for that, as though they want to punish me for needing help. This is clear discrimination and I am not able to do anything else

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 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Bank arbitrarily FROZE my account on Friday afternoon XXXX XXXX with no warning or explanation. I called and the fraud detection department personnel gave me no information. I have called daily since it was frozen. Finally investigator XXXX, as no one gives last names, told me it was about a wire recall. The sender said he did not recall the wire and he said he called his bank, XXXX and they did not recall it but Ally is saying they did. So I authorized them to just return the wire funds and open my account. Still a week later after the wire was returned and nothing. They give you no explanation and tell you it takes as long as it takes to investigate the account. First it was 3 days then it was up to 30 days then it was 30 days or longer now it Takes as Long as it Takes. These are the answers I have gotten. 

Meanwhile all my money is locked up and my bills have bounced, my credit has tanked, and I have had accounts closed for non payment. I even had one of their agents LAUGH at my distress on the phone. He thought it was so funny. I am angry that they can lock me out of my account with no warning and No preparation. Angry that it has been almost 3 weeks. Who can go 3 weeks with No funds? I have opened a local account so that I can go and speak to a person when I have an issue. I chose Ally for convenience and that has bit me in the XXXX. I highly recommend NO ONE USE ALLY BANK!!

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 2021-06-09 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
The Information you provided is incorrect but Ill use the letter you sent to send to the Attorney General to go with my case that was opened. I sent letters to you by certified mail and I sent that documentation to the Attorney General so it shows on record you received the letters I sent you just failed to respond in a timely manner according to the FCRA and the FDCPA. Secondly you continue to send documents to an attorney that I never told you is representing me. They sent letters for me but to file additional charges I chose another law firm. Your letter stated that you received a payment on XXXX, XXXX 2019 which is false because that didnt come from me Ally took a rebate that shouldve been mailed to me. Everything in your letter is false and I have documentation to dispute everything you falsely stated. You continue to mark these letters as a duplicate but I will get this matter resolved legally whether you want to address it or not.

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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, Synchrony Bank reported two Time-Barred entries to XXXX and XXXX Credit Bureaus. Neither entry was reported with an account number or payment history and both entries are reporting incorrect " Last Date of Payment '' dates. They reported 2 old accts to XXXX  and 1 old acct to XXXX. 

The first one identified as Synchrony Networks is a HH Gregg account. Synchrony reported it to XXXX and XXXX. I purchased a TV fin XXXX ( see attached receipt ). My credit limit was {XXXX} and I paid the TV off in XX/XX/XXXX ( 13 months ) never late no missed payments. HH Gregg was running an interest-free promotion until XX/XX/XXXX. Synchrony is reporting to XXXX that the last payment date was XX/XX/XXXX, credit limit of XXXX}, high credit of XXXX}, months reviewed 99. ALL INFO IS WRONG! They reported it to XXXX on XX/XX/XXXX, which was 10 years later and it will remain on my XXXX credit report until XX/XX/XXXX, which will be 17 years from the last payment and activity date. They reported the same acct to XXXX under acct # XXXX with XXXX} credit limit and high balance of {XXXX}. They did not report the date of last payment, date of last activity, or payment history. They reported it to XXXX on XX/XX/XXXX, this was 7 years after I paid the acct off. XXXX should have REMOVED it XX/XX/XXXX, yet it remains on my credit report 15 years later and I have no idea how long it will remain on my XXXX credit report. 

The second one identified as Syncb/XXXX XXXX was reported to XXXX only. This was a XXXX credit card that I opened in XX/XX/XXXX for repairs to my XXXX XXXX XXXX ; it was a 90-day same as cash promotion and I paid it off in XX/XX/XXXX and DID NOT use the card again. Synchrony They are reporting an XXXX} credit limit and XXXX} high credit which is correct, and a Date of Last Payment XX/XX/XXXX which is WRONG. I DID NOT make a payment on XX/XX/XXXX nor did it take me 2 years and 4 months to pay off {$370.00}. They reported it to XXXX on XX/XX/XXXX, this was 11 years after I paid off the account. This acct is TIME-BARRED from being reported for both the dates - 11 years after I paid it off and 9 years after the date of last payment Synchrony is reporting. It has been on my credit report for 16 years and XXXX will remove it in XX/XX/XXXX which will be 18 years. 

I'm not sure why Synchrony keeps re-aging these 2 XXXX-balance accounts, other than to keep them on my credit report! I have NOT applied for any credit with them in the last 7 years and I WILL NOT apply for credit with them. 

As you can see on the receipt - my credit limit was {XXXX and my highest balance was {XXXX} the date I purchased the TV.

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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon review of my credit report, on XX/XX/XXXX I sent an updated credit file request to Equifax via United States Post Office Certified Mail XXXX XXXX XXXX XXXX XXXX. My request was noticeably clear noting that Equifax was reporting inaccurate information on my credit profile and I requested inaccurate addresses and phone number to be removed. I also requested an updated credit report to be sent to me. 

Instead, Equifax failed to remove an old address from XXXX, and continues to report this inaccurate information on my credit file and did not send an updated credit report. Equifax deleted items off of credit file without stating what was actually deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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:
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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for

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 2021-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 5th dispute letters to Equifax, since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested a reinvestigation and for contracts bearing my signature for the accounts below. Experian sent a letter refusing to reinvestigate telling me to send in documents to. However, they should have that information if they are the ones reporting it. They also did not provide information from the accounts bearing my signature or any contract. But they are reporting an account as charged off that was removed/ not reporting on the other bureaus. Credit bureaus are supposed to be reporting from the same place. I spoke to a representative from Experian and they said they are getting information from computers. I reached out to XXXX XXXX XXXX and walked into the bank. They do not have any of my information on file. My rights are being violated by Experian according to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. The information on my account is causing me to have high APRs and denials for credit based on my report.

1. The following account is reporting INACCURATELY and was removed from XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please follow suit and remove it from my credit report. 

2. The following account is reporting INACCURATELY ; My payment status is CURRENT, never LATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/2020 Please remove it from my credit report. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: AZ

Complaint narrative:
I purchased a vehicle from CarvanaXXXX. The vehicle I chose, a XXXX XXXX XXXX XXXX, I chose it specifically because it was advertised to have the adaptive cruise control feature. I received the vehicle and the delivery person commented on how cool the feature was. During my 7 day trial period I sat down to figure out how everything worked and discovered that the vehicle does not in fact have adaptive cruise control. I contacted Carvana on XX/XX/XXXX and was told a ticket would be opened to have the issue resolved. I never received a response so I reached out via text on XX/XX/XXXX and was told the most they would do was to send me a {$500.00} check for the inconvenience. A XXXX search confirms that to have the feature added would cost approximately {$2500.00}. I feel the advertisement was misleading and I was tricked into keeping the vehicle by them stalling by opening a ticket for the issue putting me past the 7 day trial period. I feel this situation violates UDAAP and is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
This is regarding my Citibank checking account ending in XXXX. 

I opened a checking account with Citibank due to a promotion they were running where you would receive {$150.00} for funding the account with {$5000.00} for 90 days. I signed up for the account using the promotional link from their website and funded the account on XX/XX/XXXX, with at least {$5000.00}. Since I liked the app I also opened a savings account and credit card. 

As I continued to not receive the promotion despite meeting the conditions I contacted customer service several times in XXXX and XXXX where I was assured I qualified for and would receive the promotion. I finally took a screenshot of one of the conversations via chat on XX/XX/XXXX, where the representative confirmed I qualified for the promotion and said I would receive the promotion by the end of XXXX ( see attachment, although I am sure you can pull it up from my message history as that is where I found it ). My belief from future conversations was that at this time the employee coded my account with the wrong promotion code which caused the future issues. 

Meanwhile, on XXXX, XXXX, XXXX, as I did not realize I needed to maintain a minimum of {$5000.00} in the account to prevent a {$15.00} service fee, I withdrew the payment for my XXXX XXXX XXXX from the account, dropping the balance under {$5000.00}. In XXXX I received the monthly service fee, which was refunded due to my reaching out and once I learned of the balance requirement I brought the balance back up to at least {$5000.00}. I have since been charged the fee every month since and have had to make multiple contacts to customer service. The most recent fee for XXXX they claim they are unable to refund even though my balance has been over {$5000.00} since XX/XX/XXXX. 

As I still had yet to receive the promotion I continued to reach out to Citibank via phone and email and eventually reached out to them via XXXX. 

On XX/XX/XXXX, I was contacted by their Social Media team who was extremely discourteous and unhelpful and took every opportunity to be condescending and couldn't even find the correct promotion. 

They told me about the the terms of another Non-targeted offer, which started XX/XX/XXXX, the Promotion code was XXXX, showing they did not even know what they were researching since I opened the account in XXXX of XXXX. I eventually had to end the conversation because they were so unhelpful. 

I find this very disappointing and more than anything want other consumers to beware dealing with Citibank because they are actively trying to not abide by their own promotional offers. 

I would also like the {$150.00} promotional credit and the $ XXXX  Monthly service fee refunded to me for a total of {$160.00}. 

Thank you, 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 monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX stole my wallet. He then created a fake check of XXXX $ and pretending to be me went into a bank of america teller 3 times atm 2 times and cashed it in my checking account. I had just a few dollars in it at the time. It bounced but he was able to get XXXX $ out of b of a being me. Well i tried to fight it. I went to my branch spoke to mgr and she said to call fraud department 2hrs pater she told me to call the bad check dept. 2 hrs later still at b of a. I got nowhere. She and the people on the phone treated me like a criminal victimizing twice. 
They reported me to XXXX XXXX  and XXXX  as fraud. Closed ckg and savings down. Ive never been able to open either account types since. I was forced to use XXXX  cards whose bz practices are shady causing much more theft as they dont have live people at branches to descern verifying face to face. And practise fraudulant holding funds ( interest they get on my money ) for weeks sometimes i wasnt able to access my money left from theft. Im filing on XXXX after this. I want to tyke a polygragh to prove innocence. I need standard bank for any loans so denied. No car no house no bz nothing i can leverage without accnt. I keep hoping to be cleared of this but noones helping. The damages and colateral damages are over 3 million after 4 .5 years. 
I said to roll archive tapes he isnt me. Hes 2inches taller less 35 lbs. Please help clearing my name

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 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of 2019, XXXX converted its Mastercard accounts from servicing by XXXX to servicing by Capital One. 
This conversion was plagued with poor support and communications. The online management websites were NOT transferred or converted directly. Unknown to us, the autopay we previously relied on to make the payments was discontinued. Capital One required that we create an entirely new website login. Since our method of statement delivery was online, we were basically blacked out of any communication for over 60 days. That is, the new emails describing the switchover were going into our junk folder. During this time of first notification and conversion, we were not receiving these important emails from Capital One. Finally, after we were over 30 days late with a payment, we received a phone call from a phone number we didn't recognize, so we skipped it. No message was left. 
Eventually, we did answer that phone call, and made numerous attempts to create the new website login and autopay. The system kept asking us to create a new login, but after entering our information, it blocked us from continuing, saying we already had a login. 
The result of their inept conversion of accounts was that we were over 30 days late with payments several times. We were making payments, but the timing was off from our previous XXXX account. We were punished each time with late fees - and after the third time, our interest rate was raised to the maximum penalty amount. They also cancelled our account, resulting in a poor credit rating. 
NONE of this would have happened if the conversion XXXX did from XXXX to Capital One had not occurred. We were ALWAYS on time with payments prior to the conversion, AND we paid several promotional purchases off ahead of their due dates. 
We contacted XXXX, XXXX, and Capital One several times regarding these issues with no result. Now we find the interest rate has increased even further, making it impossible to EVER pay this account off. Most of the late fees were not refunded. 

Since finally fixing the issues, we've made payments through autopay on time every month just as we did with XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Have been trying to contact and have had inquiries that I didn't recognize or apply for are on my credit report from Capital One Sale And and XXXX XXXX XXXX and It has held me back from getting a home. I never Authorized or told someone from this company to pull my credit score and they did and when I try to contact them no one got back to me and the people on the phone didn't even know what I was talking about.

Company response to consumer: Closed with explanation