vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket mortgage scammed me out of {$500.00} dollars told me twice I was approved for HELOC and said I had to pay {$500.00} to get the Loan started and then denied my loan after they charged my card {$500.00}. I saw the Exact same complaint filed with the XXXX from another customer who Rocket Mortgage resolved but wont resolve my dispute. This is a personal attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Keep receiving communication from LVNV funding for debt collection. The debt owed is for XXXXXXXX XXXX XXXX  in the amount of {$750.00}. I have no knowledge of this account and this is negatively affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MN

Complaint narrative:
Starting roughly two weeks ago issued began with my credit karma spend account. Unauthorized access first, than card was cancelled and reissued to an address I have never so much as been affiliated with in California. Upon contacting the institution I was able to get the Mailing of the card shipped to my appropriate mailing address. Card arrived yesterday after a long wait, however about 20 minutes before the post office delivers the card the institution places locks on my account and provided me no explanation. I was asked to upload my identity card and a selfie with card to match faces and information, standard banking procedures I'm sure. Account remains locked and unable to use funds I've been waiting two weeks to access, contacted customer service several times, and get told nothing they can do, further told a " higher department " handles the sort of case, again no explanation as to what case type or any information on how to communicate with this higher department, other than told to continue waiting for them to email me. I asked well can't this be address over the phone for a faster solution and told this " higher department '' has no phone number and simply sorry for the inconveniences caused. First off the breach on my account falls to them for liability I told them to revoke any sort of authorization for some iphone they claimed had accessed my account when this all began. Just yesterday my personal XXXX was again changed However I activated the extra security so my device was able to get access and correct the unauthorized changes. 
Long and short of this is, credit karma is a multi functional financial entity, handling banking needs as well as credit monitoring and identity monitoring etc. At this time they are not protecting me in no sort of way as the breach yesterday occurred during this lock of my account, now I've provided the proof of my identity and have a right to my funds. Yet they are avoiding my efforts to get my access restored when they had no justification to lock me out in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: NV

Complaint narrative:
I sold my house to pay for XXXX school and received XXXX in escrow from title. I was told at the end of my process the final payout was XXXX total with XXXX going towards my new house. I got XXXX and 8 days later I am being asked for XXXX back because title over paid me and made a mistake. I applied ALL the funds towards my XXXX school and am being harassed to pay the money or they will be withdrawing my entire XXXX that was paid. I have no idea how I am at fault for this and why Im being asked for money that I was told was mine 8 days after my money was given to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the Items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XXXX  I set up a " XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} direct deposit to XXXX XXXX. Fund was withdrawn from my business checking account on XX/XX/ " Square Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/ I received an email saying my account has been " deactivated ''. 

As of XXXX I still have not received a refund nor was the {$100.00} direct deposit processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
a judgment was filed for an expired debt by calvary collection agency for a debt of {$1700.00} with XXXX XXXX. they have contacted my employer to collect my bank information and garnish my wages. I have sent out letters to the original agency who had my debt which was XXXX XXXX and recieved no response from them. these letter span an avergage of 2 years. i have never recieved written documentation regaurding XXXX XXXX and that my debt was sold to a different agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
CashApp Complaint On XX/XX/2023 I added {$1400.00} from my bank account to my CashApp account to pay for my rent. The payment was completed. I noticed on XX/XX/XXXX, that there was {$1400.00} in my CashApp balance so I waited another day to see if it was the rent payment that didnt clear. On XX/XX/XXXX my main bank account was negative and I was charged six fees because CashApps app had withdrew an additional {$1400.00} without my knowledge or authorization. On XX/XX/XXXX I contact the CashApp Customer Service only to be told that there was nothing that they could do and that I could send the money back instantly for a charge of {$26.00} or transfer it and wait 1 to 3 days to get to my bank. CashApp should take responsibility when their app glitches and pulls money from bank accounts without authorization. I have had to pay over {$200.00} in fees and they are not doing anything to rectify the problem or to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
XX/XX/XXXX I requested full verification of this account. Prior to me receiving this info i got an alert from my credit monitoring company that my payment history for Exeter was updated. Upon looking at my payment history I realized some months that were reporting 90 days late were updated to 60 days late and some of the payments that was reporting 60 days late was updated to 30 days late for the year of XXXX. Ive called several times about this matter. On today XX/XX/XXXX. I received a call for a XXXX XXXX who stated that he was the manager for the complaint department at Exeter. We spoke about some other concerns I had about my account. I then told XXXX XXXX about the issue with my payment history. XXXX XXXX then stated ( on a recorded call ) that when i request information about my account the credit bureaus sends Exeter a notice asking them to review the information in the account to make sure its accurate. XXXX XXXX then stated that if they find anything wrong they will correct it. This is violation under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
XXXX falsely reported XXXX late payments on my account. 

Santander lost my original contract I never signed a contract with XXXX XXXX tried to get me to pay for my car note twice in one month which is ( {$1200.00} ) and is holding it over me I paid what I agreed which is one payment a month with Santander which is ( {$630.00} ) a month which Ive done and are currently doing But they are making the other payment that was not in the contract, affect my credit and the loan amount with late fees over {$200.00} when originally my late fee is {$50.00} but since XXXX took my contract without my consent they made it {$200.00} It is unfair and unjust since Ive never been late on an auto payment until this situation Ive reached out multiple times and never hear back from there office unless its to pressure me into paying the a extra additional unjust fee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Dont know the date but contacted the credit bureau gave me info of the the debt collector, NCA for {$1300.00} was a {$900.00} loan I supposedly pulled out. When I was asked for address I lived at and employer I worked for it did not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In accordance with the fair credit reporting creditors have violated my rights.

15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 second 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
e.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I moved two months ago and had a couple charges for moving. I verified to bofa that these charges were valid. A month later bofa Risk and Closures Division which is a " rouge division within BofA '' ( as stated by a Manager at BofA ) froze my account and limiting to it as credits only. Since that has happened I have been unable access my pension money and social security money ( ss restriction is a clear violation of Federal Law ). I am a XXXX XXXX XXXX retiree that now can not pay my rent or food.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I noticed these fraudulent activity on these Accounts. ( Account Name + Account Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXolice report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-04-04 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
On XX/XX/2022 I went to a XXXX XXXX XXXXXXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Spoke to XXXX  XXXX for the XXXX time within 4 months about inquires on my credit report they are telling me to contact the credit bureau which I did several times they are reporting inaccurate information on my credit report and it's against the law to put inquires on someone credit report without them signing anything please delete this ASAP thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I have been having problems with Navy Federal Credit Union for the last year when it comes to rearranging posted transactions by removing them from being posted to pending. I have called them numerous times regarding the matter and I was told that all transactions can have as much as 7 days to post. These transactions were both debit or XXXX transactions that are immediately withdrawn from account. 

There are several examples of NFCU engaging in this practice to the point it has overdrafted my account buy {$270.00} and them There was a debit transaction for XXXX XXXX on XX/XX/2023 for {$23.00}. NFCU acknowledge the transaction and it was approved. The balance of my account at the time was {$1200.00}. As of XX/XX/2023, the transaction is missing. 

On XX/XX/2023, I used XXXX to transfer {$630.00} to my mother and it was approved with no issues. Today, XX/XX/2023, I was sent an email notification that I was charged {$20.00} an overdraft fees. Debit card transaction usually post within 24 hours. This is five days which is way pass the date of the debit. 

They have acknowledge that they have been rearranging my transitions through an email on XX/XX/2023, for a transaction dated back on XX/XX/2023. 

I have attached proof of documentations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I opened a new car loan with GM Financial on XX/XX/2022. 

I am very frustrated with the lack of detail on their website and monthly statements. 

My agreed monthly payment is {$380.00} and I decided to pay {$500.00} a month to pay this loan off quicker. 

My XXXX Statement did not show my first payment anywhere on the statement, but it did apply. I have no record of this payment with GM and can't see how the payment was applied. The only record I have is that my balance did go down and my banks billing history shows I made a payment. 

My XXXX Statement shows my {$500.00} payment and that the payment was applied as following : {$410.00} principal + {$84.00} interest These numbers make sense to me, but this is NOT how the money is applied. They carry forward the overpayment and apply it to the next months ' payment which is only evident by the total amount due for my next months payment being far less than the expected {$380.00}. My bill shows I owe {$140.00} for the month of XXXX. 

After calling about my payments, I was informed that in order to make any additional/extra payment towards principal, the company requires a phone call within 24 hours of the payment being applied to my account to specify how the payment should be applied. 

The website dashboard does not show any history of payments, the statements I'm receiving are not accurate, and there is no way I can verify that my payments are being applied as I request. 

I can't believe that this is how a company as big as GM Financial would operate, but a quick internet search proves that I am not the only one experiencing this. 

The only payment I can see on the website is the last payment applied and I can request copies of my old statements, which do not show all my payments and are not accurate. 

I do believe my current balance is correct, but I have no way of double checking that the calculations are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Westlake Services, LLC
State: MI

Complaint narrative:
On XX/XX/, I sent a money order in the amount of {$230.00} ( for my car payment due on XX/XX/XXXX, ) to WESTLAKE FINANCIAL. They inform me they did not receive payment. 

I had the money order traced by XXXXThey inform me the money order was cashed by WESTLAKE Financial & they sent me copies showing proof.

I did contact the company by emails & phone calls with the findings, but the representatives responses were, We do not see the money order.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX DATE ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX DATE ; XXXX XXXX XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED 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 non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Spoke with Transunion about these inquiries on my credit report for the 5th time on XX/XX/ they advised me that i should reach out to the creditors which i did, creditors told me reach back out to the credit bureau, which i have done that to, by law nothing should be authorized on my credit report without my permission or me signing nothing.

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