vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate reporting on my credit report. To this day, 38 days later, I have not received a response as yet. I feel like I'm being ignored. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 dats gives a reason to immediately correct those inaccuracies on my credit report. I demand these accounts be reported correctly as Never Late with no late payments. If this isn't corrected, I will pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously disputed the late payments reported on my credit report by this company XXXX XXXX with experian and nothing was corrected. 
I took out a small personal loan with XXXX XXXX over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. Upon checking my credit report, I found that XXXX XXXX reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, and was told that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. Report my account as current, and remove the late payments from my payment history. I was affected by covid and used the tools available by the lender to reschedule payments. This is affecting my ability to buy a home for my family.

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 2021-03-30 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: CA

Complaint narrative:
I have previously disputed the late payments reported on my credit report by this company XXXX XXXX with experian and nothing was corrected. 
I took out a small personal loan with XXXX XXXX over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. Upon checking my credit report, I found that XXXX XXXX reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, and was told that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. Report my account as current, and remove the late payments from my payment history. I was affected by covid and used the tools available by the lender to reschedule payments. This is affecting my ability to buy a home for my family.

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 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX did not notify me of a lawsuit. Then got a default judgement on a debt that was outside the statute of limitations. Last payment of debt reported XX/XX/XXXX judgement was filed XX/XX/XXXX. XXXX is 3 years in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Betterment LLC
State: VA

Complaint narrative:
I opened a checking account of Betterment through the link of XXXX on XX/XX/XXXX. 2021, when they promised they would return a cashback of {$120.00} for opening a checking account for the first time and depositing {$1.00}. My application was received on the spot and they informed they needed 1-2 business days to process my application. However, they used over 2 weeks to approve my application, during which I could not fund my checking account. They also asked for repetitive proof of address even when I already submitted my car registration card in the first place. After I successfully deposited my checking account on XX/XX/XXXX of {$10.00}, I asked XXXX about cashback. XXXX contacted Betterment and Betterment refused to issue cashback because they no longer offered cashback by the time I deposited my account. 
To me, this is a fraud. I opened the account because of the cashback offered. If the account was approved as they promised in 1-2 days. I was still eligible. Betterment used two weeks and it's very likely they were doing so to cheat customers. I also knew others, including my roommate, who applied for the checking account because of cashback but received nothing for pending application. 
I didn't make any mistakes and I followed all procedures as I can. I heard Betterment before about how convenient it was to use their debit card to withdraw cash without service fee globally. So I opened an account immediately when I saw cashback. However, this experience is very disappointing. I know XXXX XXXX and XXXX are also offering similar products without service fee when withdrawing cash globally. If I was informed with no cashback, why would I choose Betterment? I don't even want to further deposit money to a dishonest bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
i was supposed to receive a refund {$430.00} from XXXX on the account number ending XXXX and also another refund from the checking account ending XXXX {$23.00} from XXXX and the refunds are showing pending on both of this checking account and the funds are not yet available this funds are supposed to be available for immediate used and M & T Bank Has Not Release this Funds Back to my Account.

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 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
They keep calling me. Asking me to verify information. I have kept blocking them as well as changing my mobile number. I have called my mobile provider to block them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I was seeking refinance rates and checked through XXXX XXXX. XXXX XXXX provided Amerisave as a lender option. Their rates were deceptive, when I asked them for a competitive rate I had seen from other lenders they tried to mislead me into thinking they could match the Arte but they were going to raise my principle significally ( in my case $ XXXX on a $ XXXX principal ) and they tried to gloss over it as if it was common. The rate that I had them compare it to was no fee with lender credits. Additionally they pulled my credit report without my permission ; in fact when they asked if they could pull it, I declined and they did it anyway. Very disreputable lending practices. I would give them no stars if this allowed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclay Visa with XXXX Rewards. They did not apply payments to my account. Also, they refuse to furnish statements or provide account information. Im blocked from my account online. I can not view a history such as balance, payment etc. Ive made XXXX calls but they refuse to help.

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 2021-03-30 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: MO

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is identity theft. This was submitted to EQUIFAX via EXPRESS MAIL Tracking # XXXX on XX/XX/XXXX with a signed return receipt tracking # XXXX. EQUIFAX has failed to comply. 

Pursuant to XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Congress defines a person under XXXX XXXX Code XXXX - Definitions ; rules of construction ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

These accounts have damaged my reputation. 

As a consumer I DEMAND a PERMANENT DELETION of these accounts. 

XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XX/XX/XXXX As a consumer I DEMAND the PERMANENT DELETION of the following addresses : XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX of XXXX, XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Farrell Holdings, LLC
State: AZ

Complaint narrative:
First of all, I am not American and English is not my native language. I know there are some regulations that cares about this kind of situation. 

Secondly, I got a car loan from Prime Acceptance Corp, done under abusive interest rates of 29 % apr. 
Lender : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX I was struggling to pay the loan on time. I asked help with them to renegotiate the contract. They refused. 
I had my car repossessed. I paid all the requests they did XXXX XXXX to them + XXXX parking fees ) The company forced me to make payments after repossession using XXXX, in cash. Calling to XXXX XXXX, they told me there was no difference ( online payment or in person ). 

I ended up paying XXXX in cash ( as Pac required ), and XXXX ( online, not accepted by XXXX, but they refuse to refund ). 

I requested them to use this extra XXXX to pay the last installments XXXX to reduce the interest I will be paying XXXX. However they refused : they want to use this balance of XXXX to pay the next installments with full interest rate. 

I need some help regarding all this situation : 1. abusive interest rate 2. Use my extra paymanets to amortize my balance, and reduce the interest rates : paying the last installments. 

My monthly payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: IA

Complaint narrative:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I mailed a dispute letter to Equifax about accounts being listed on my Equifax credit file without my written consent, which is identity theft and I have yet to be alerted that a investigation is in progress or that my dispute has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Fraudulent checking USAA XXXX Account with former spouse Closed Spring XXXX XXXX  Alert : Personal Information distributed dark web Communication with Impersonating representatives Unable to contact USAA No access to account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 hold my funds. Apparently they decided to permanently limit my account and i wasnt able to use their platform anymore and will held my balance for up to 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have tried to explain i lost job due to covod not able to find a job i only get XXXX from unemployment so is hard to pay they wont work with me at all scared to lose my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
We submitted a home refinance to Citi Mortgage on XX/XX/XXXX. Our initial closing date was set for XX/XX/XXXX. It was then rescheduled for XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX and now for XX/XX/XXXX. Phone messages have been ignored and there has been minimal email communication apologizing for the inability to set a concrete date for closing.

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Fraudulent USAA  checking not closed as requested under daughter XXXX name. 
Balance on account issued XXXX  month ago. 
XXXX  XXXX : Personal Information distributed dark web Communication with Impersonating representatives Unable to contact USAA We have no access to account Fraudulent communication below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc.
State: DC

Complaint narrative:
Prosperity Home Mortgage XXXX " XXXX '' XXXX originated my loan. When I went to make my first payment in XXXX, I realized only after mailing the check that I had dated the check as " XXXX '' instead of " XXXX. '' I contacted XXXX to ask them if they would accept the payment. The indicated that could not and that I would need to make an online ACH payment. 

XXXX actually ended up cashing both the mailed check and accepting the online ACH payment, so they received and accepted XXXX mortgage payments in the month of XXXX. XXXX then sold both the mortgage and its servicing rights to XXXX XXXX. 

XXXX failed to credit both of these credits to my account upon receipt as required by of XXXX CFR XXXX ( c ) ( XXXX ), and failed to transfer accurate and timely information relating to the servicing of my account ( XXXX CFR XXXX ( b ) ( XXXX ) ). 

XXXX claimed to have wired the second payment to XXXX XXXX, but provided no documentation. XXXX denies receipt of either the payment or any information about the XXXX  payment. 

On XX/XX/XXXX, I sent PHM a Notice of Error pursuant to XXXX CFR XXXX, which PHM acknowledge receipt of. 

Now, as of XX/XX/XXXX, PHM failed to respond to the Notice of Error in the time period required by XXXX CFR XXXX XXXX XXXX ) ( XXXX ) ( i ) ( c ). I was also not notified of an extension of the time period ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( ii ) ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is XXXX account on my XXXX  XXXX being XXXX XXXX which is only on XXXX  and I never opened an account with this company. The XXXX  XXXX is XXXX which is only on Transunion and I never opening an account with this company.

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 2021-03-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
" I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

WELLS FARGO DEALER S Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021

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