vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the XXXXederal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I bought XXXX lower XXXX XXXXXXXX for {$310.00}. MY FFL did not get approved. I was told I would be refunded the money but never was. I complained to Citi Bank 2 days after the transaction and they refunded the money back to my credit card. A few days later my credit card was charged again by XXXX XXXX?? company for the {$310.00}. I called Citi Bank to complain. I sent in all the information they requested. Citi Bank waited way to long to process the complaint as Fraudulent and could not recover the money. I spoke to Citi Bank numerous times on recorded lines, that I requested, and was told that the XXXX companies are separate " entities ''. I filed a complaint with the XXXX as well. To me that means I was charged by a company I did not authorize. On XX/XX/2022 Citi Bank called me, a XXXX XXXX, from the Executive office. She said noting else can be done and they are the same company. She also asked for a confirmation that XXXX was refunding the money. I sent this to Citi Bank numerous times and have attached it to you 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 2022-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, my wife and I wired a pre-payment penalty and paid off a HELOC loan on our primary residence. We grudgingly paid TIAA the prepayment penalty of {$1600.00}, plus a recording fee of {$180.00}, in order to get the HELOC off our title so that we could refinance the primary home loan. Shortly thereafter, we received a letter confirming receipt of the prepayment penalty and recording fee and also confirming that the HELOC has been closed. We thought this was the end of the ordeal, but 396 days later, the HELOC remains on our title, because TIAA has failed to record a reconveyance deed. 

We are trying to refinance our primary loan, but that effort is being held up ( and jeopardized ) because the title company is ( rightly ) demanding that TIAA record a reconveyance so that our title is clear of the HELOC. Over the last several months, I have spent well over four hours collectively over several phone calls to their help line ( XXXX ) and have spoken with no fewer than 15 people over those phone calls. I have also sent emails through their on-line access site. No one is able or willing to help me. Despite numerous attempts to contact TIAA by me, my wife, my lender, and my title agent, NO ONE can tell me why TIAA has yet to remove this loan from our title report. Over the course of these last several months, I have been told the process would take 15 business days, not once, not twice, but three times. When I call the TIAA number, they tell me I need to call the Loan Care number ( XXXX ), which they claim is a separate entity responsible for resolving this issue. But when I call the Loan Care number, they tell me I need to call the TIAA help number again. 

When I ask to talk to a supervisor at either number, I get put on hold for long periods of time, followed either by the same person informing me that his/her boss can't help me either, or that it will take another 15 days to resolve. 

This has taken place over the course of several months, and NO ONE has given me any indication that they know or care about what to do to help us. I have never in my life experienced this level of, not only incompetence, but sheer indifference. It is now costing me money, because I can not refinance my home loan without getting this loan off my title report. We have done everything we can at this point. No one from TIAA is getting back to us. Please let us know what more we can do to get the reconveyance recorded so that we can get on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates sent me a letter stating that I owe them money for an old unrecognized credit card debt that I disputed as not mine, or no knowledge of this debt. 
I have an open unresolved dispute with XXXX and I noticed that this Portfolio Recovery Associates flagged my credit reports as " Collections '' on two separate occasions right after I opened this dispute with XXXX for this alleged account. 
My dispute is currently still open as to verify the accuracy of the data and ownership of this alleged debt. This company continues to damage my credit score even while there's an open dispute that has not been resolved as of today XXXX. 
My dispute with XXXX was opened on XXXX Portfolio Recovery Associates Flagged this disputed account on my credit report as " Collections '' on XXXX and on XXXX. ( I attached a copy of my XXXX alerts to show the above mention actions done by Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Rocket Mortgage called me on XX/XX/XXXX. I just opened a loan in XX/XX/2021, so I thought there may be an issue. The person on the line stated that I was eligible for a reduction in my rates and then strangely engaged me in a weird conversation, I assume to feel out where I was financially without asking me straight forward financial information I finally asked her what was the purpose of the call and she said to reduce my rate and/or take additional cash out. I told her that I was not interested in additional cash out but if my rate could be lowered that would be good. She said that my rate could be lowered by XXXX to 1 % but she needed to pull my credit. I asked her if it was a soft credit pull and she said that it needed to be a hard pull in order for Rocket to obtain the information needed. I told her that I didn't want a hard pull because it will impact my credit score. She kept saying over and over that it won't impact my credit score and that it was the only way to determine my rate savings. I consented to having it pull and after it was pulled was told that my middle credit score was XXXX and that I could qualify for a less than one 1 % rate reduction if I paid {$4000.00} in discount points. I already paid {$4200.00} in discount points in XXXX for the high rate that they were trying to lower now by making me pay not only discount points but an additional amount for closing costs. My closing costs for XXXX was over {$7000.00}. My score did go down and I refused to agree to a refinance and asked for a loan estimate so I could understand the total fees for the loan offer. She said that they don't sent loan estimates because the rates could change the next day. I thought that is what a loan estimate does. I am angry that I fell for this churning activity and am really angry that my credit score is impacted. She kept on quoting the potential savings, if I stayed in my home for another 30 years. Deceptive at best. If I need to stay in my home for 30 years to reap the benefit of less than 1 % rate reduction for the second refinance, I guess it would be 60 years to cover the fees and points paid from the first and the second.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX services, only contacted me using a text that contained a link and said action will be taken if I dont pay. I tried to contact them because I refuse to click a unknown link that I randomly get on my phone. I told them I wanted a written noticed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
On XX/XX/2022, I consumer, XXXX XXXX, went into XXXX BMW, to enter into a consumer credit transaction. The business manager, XXXX XXXX, stated he did not know what a consumer credit transaction was. I explained to him what it was and he then asked me how would he get paid for the vehicle. I explained to him he would get the money for the vehicle. He acted like he still didn't know, so I asked for a buyers order to take to a bank to enter into a consumer credit transaction. I went to XXXX XXXX, in which they stated they only do auto loans, which is a violation of 12 CFR 1431, because banks can not issue loans nor extend credit. The following day, I was attempting to extend credit through BMW Financial Services, and was denied the extension of my own credit. XXXX XXXX, stated BMW XXXX XXXX required the consumer to have a minimum score of XXXX, although there is not a law that states a consumer must have a minimum credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: MI

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
From the XX/XX/XXXX until XX/XX/XXXX, I've been trying to clear up the following accounts in my name that I did not give authorization to create accounts in my name or use my personal information. I provided the information of who the unauthorized person was and still the credit XXXX credit bureau and even told them I could provide a police report if need by. However, they have not remove any of the items off my credit report and it severely damaging my credit or my ability to finance anything. 
this are the company I'm having issues with : XXXX ). XXXX- {$250.00} XXXX ). XXXX {$1600.00} XXXX ) .XXXX XXXXXXXX {$6300.00}

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 2022-02-21 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: TX

Complaint narrative:
Between the dates of XX/XX/2022 and XX/XX/2022, I sent dispute notices to the following Credit Bureau 's ( Trans Union, XXXX, and XXXX ). After 30 days, no response. 

According to your policy ( FCRA & FDCPA ), if no action is made within that period, all disputed item ( s ) must be removed

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 2022-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Today ( XX/XX/22 ) at approximately XXXX ( XXXX  ) I requested a small credit limit increase of {$400.00} on my XXXX XXXX account. At no time in the process leading up to, during or even after was I notified there would be a hard pull on my credit. There wasn't so much as a small hyperlink to skip over. It wasn't until I got an email from a credit monitoring service that I was aware of the hard inquiry at all. I never would've requested the increase had I known about the impending damage to my credit nor did I consent to the pull at any time in the process. When I called to speak to XXXX about this I was transferred to a supervisor who then did nothing but gaslight me, XXXX and eventually landed on ( essentially ) " Well it's our policy, you should've just known and I'll forward your concern to the tech team. They'll review it and see about making it more clear online. '' I have never had a hard inquiry on my credit due to a limit increase, whether offered by a company or requested on my part. How was I to anticipate XXXX ( parent company of Citibanks ) would be different, especially as my Citi card is one of those who have never done a hard pull after the initial to first get the account? When I asked how they could do a hard inquiry without my request I was told that " you consented by requesting an increase '' but again, this " policy '' was not given anywhere in the process. 

I'm so upset that such a minimal increase is going to negatively impact my credit for years, especially as I didn't consent to this. In no way is this small increase worth a ding to my credit and I would've never done thus had XXXX been forthright or actively asked for consent to pull it. 

I do hope someone can look into this and hopefully protect anyone else from ending up here as well. I'm hoping also to find a way to remedy this with the credit bureaus. 

Thank you for your time, 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 2022-02-21 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: MI

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
XXXX XX/XX/2021, I attempted to pay off my home 's $ XXXX principle. I logged into PennyMac.com website to accomplish this. PennyMac 's system accepted a XXXX daily payment of {$99000.00}. I paid this amount on XXXX XXXX then attempted to make my XXXX payment but their system wouldn't allow me to pay the remainder. I attempted several amounts until it accepted another $ XXXX amount ( XXXX XXXX ). The $ XXXX difference it would never let me pay so I phoned & after XXXX min of wait time I was able to speak with an agent. I was told I had to request a payoff amount to conclude the loan and it would cost? {$20.00}. I reluctantly accepted this ( twice as I recall ) but never received the payoff amount ( didn't verify but probably was charged the fee ). Disappointed & not desiring to spend the time or money to speak with another representative to try a third time, I decided to incur the incremental finance charges & let my monthly recurring deduction cover the XXXX XXXXXXXX balance ( PennyMac has been deducting XXXX XXXX monthly since the loan 's inception ). In XXXXXXXX, I owed ~ {$800.00} so expected their auto withdrawal would pay off my balance but PennyMac unexpectedly ceased withdrawing from my account. In XXXX, I received a notice that I was XXXX months behind in making house payments. I phoned again - spending my XXXX minutes with their representative. I attempted to pay to remove myself from the " Delinquent '' status but she was unable to accept due to only owing {$860.00}. She informed me she was going to request a payoff amount & it'd post in my account in XXXX hours. I shared the failure of this process in times past. She suggested I provide my fax number as this is apparently a more dependable process. I'm like most of the XXXX population that does not have a fax machine for personal use & find this a clear indicator of a business trying not to facilitate communication. So, I checked my online account for this payoff note but it was not there. Today, I had a person pull into my drive to take photos of the house at the request of PennyMac. I believe PennyMac is purposely making it difficult/impossible for their consumers ( me specifically ) to payoff their loans. I believe their motive is clear ( incremental interest billing, fees & fines, deed to a XXXX XXXXXXXX home where all but {$860.00} has been paid off ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
Binance has locked my account and given NO way to reverse this unlawful action. They have NO physical address, no mailing address, no email address, no contact portal, no customer service department, and no phone number. They locked it because I took too long to transfer my money out. I took too long because NONE of the processes on their website allowed me to transfer my money. And now, NONE of the processes they offer on their website to correct this situation leads to any resolution, proving they are participating in an illegal act of stonewalling and deception. Every link leads to an endless loop of links and logins that circle back to the beginning. I have spent XXXX weeks attempting every possible solution with XXXX success. They suggest you open an account at their sister company, Binance.us in order to transfer your funds over, but that entity also participates in this illegal activity by holding your account status until your Binance account gets locked. I opened an account at Binance.us, at the suggestion of Binance, to transfer my money, but the " verification process '' has taken so long, that my Binance account was frozen. As of today, some XXXX weeks later, my Binance.us account is still not verified. I doubt it will ever be. This is XXXX, plain and simple.

Company response to consumer: Closed with explanation