vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LK Manley, Inc
State: SC

Complaint narrative:
Since XX/XX/2020 I have reached out to this collection agency Valley Credit Services also known as VCS requesting for verification. Valley Credit Services responded saying it has been verified. I then asked them for a contract with my signature showing we have a contract to do business, they responded without a contract stating they will not respond again and by law they are not required to respond to my request of such. Secondly, Valley Credit Services VCS, report to the three credit bureaus different amounts to keep reporting one month they report {$610.00} the next month they're reporting {$610.00} and back and forth switching the dollar amount they are requesting. They are a debt buyer trying to collect money that's not owed to them and tarnishing my credit at the sametime.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-11 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: EQUIFAX, INC.
State: MO

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 19 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following accounts are impermissible : 1. XXXX/XXXX XXXX, XX/XX/XXXX 2. XXXX/XXXX XXXX, XX/XX/XXXX XXXX.XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX/ XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX, XX/XX/XXXX XXXX. XXXX /XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I authorized a money transaction on XXXX XXXX from my checking account with Regions bank to XXXX {$900.00} to a receiver in XXXX . The receiver is XXXX XXXX. Within few minutes, I received an email that the transaction was unsuccessful and therefore the money will be return into my accounts. I waited after a two weeks and the money was still not in my account. I contacted XXXX and they provided me with an authorization number advising the money returned into my accout on XX/XX/20. 
I contacted my bank, including the local branch as well as a letter from my attorney but the bank has refused to respond. 

Regions mailing address : XXXX XXXX, XXXX, AL. XXXX. 

Sendwave mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. 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 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
My loan with Dovenmuehle was paid off on XX/XX/XXXX. When I logged in to confirm my loan was paid in full there was a disclosure that stated to allow 15-20 days for escrow refunds. Since that time has lapsed, I have called on at least five separate occasions and been told every time that a task would be opened and to allow an additional 6-10 business days for the refund. Today ( XX/XX/XXXX ) when I called, I was told that the " wrong task '' had been opened previously and now the correct task was being opened and I should allow another five days for the funds to be processed. I'm not hopeful they will resolve the issue so rather than continuing this fruitless cycle, I'm filing this complaint in hopes it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited my 3 checks total amount is {$72000.00} on XX/XX/XXXX ( at XXXX ) to my JP Morgan chase bank saving account but the fund havent credit to my account at all up to today ( XX/XX/XXXX ) .I contact chase bank they told me the checks got revised 10 minutes after the deposit but I never request any checks revise! I have my deposit receipt to approve who handled the deposit for me. I reported the issue to the chase bank manager two weeks after my deposited and request them to check the surveillance system to find my checks but I havent have any results from the Chase bank yet up to today ( XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
The company kept calling me and harassing me 37 times after I told them to stop calling me and they added information to my credit report without my authorization. They also were threatening me on the phone in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I recently reviewed my credit report and saw I had late payments reported for XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. This account is for Ally Financial the balance of the account is {$14000.00}. I was out of the country and had someone responsible for payment my auto pay via auto pay.

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 2021-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Express Collections, Inc.
State: MI

Complaint narrative:
I purchased furniture when we lived in Texas from a company called XXXX XXXX. They told us it was a 12 month installment loan. It ended up being a 90 days same as cash. They added all kinds of interest fees and charges to the debt. Not only that we were double billed. We paid off the other Company. XXXX XXXXXX/XX/XXXX XXXX turned the account over to Express Collections out of South Dakota. 
This is the only delinquency left on my credit report. I tried to settle the account and they will not negotiate a fair price. We are in the middle of a Pandemic and they will not budge. Every other Company in America will negotiate for XXXX % of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I received a notice from the credit bureaus that I am 30 days past due for XXXX by {$110.00}. This isn't correct. I made a payment arrangement with Synchrony Gap last month that lowers the monthly payment to $ XXXXmonth. The first payment was made on time in XXXX. Nontheless GAP reported the account as past due anyway.

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 2021-01-11 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We bank with Bank of America. At times, and seemingly only when large deposit amounts are involved, they will put deposits on hold for as many as 10 days. There is never a good explanation. Excuses we have heard : 1. Can't tell if the paying entity has funds in their account - The paying entity was a multi-million dollar company fulled owned by a large private equity group that used XXXX XXXX XXXX as their bank. 
2. Potential that there could be a history of fraud on the part of the paying entity. - Were unable to share any such example of the paying entity. 
3.

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 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
On XX/XX/20 I applied for a mortgage to refinance my home. On XX/XX/20 I received a loan estimate for a loan amount of {$270000.00}. at 2.375 %, 2.553 % APR. 30 yr. term with .766 % origination fee and {$3500.00}. for broker compensation. 
This was to close on or before XX/XX/20. That didn't happen because someone told the appraiser the the appraisal was due on XX/XX/20. On XX/XX/20 I received another loan estimate that stated the same as the above estimate, with the insignificant exception of 2.555 % APR. On XX/XX/20 I received the closing disclosure that had changed to 2.891 % origination fee and {$2800.00}. broker compensation, with an APR of 2.702 %. At first I was told that this was because the rate had expired. I protested and the loan officer agreed that this was not my fault and that it would be taken care of. He talked to the lender again and I was then told that it was because I was getting cash back. Nothing had changed on my part from the estimate on XX/XX/20. The loan officer talked to his supervisor and they agreed, and stated again that this would be taken care of. 
It is now 4 weeks past the original closing date and my loan officer says he is still waiting to hear back from the lender. 
The lender I refer to is : Quicken Loans XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX and the XX/XX/XXXX. is : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX The loan officer is XXXX XXXX and his supervisor is XXXX XXXX XXXX It's my belief that the loan officer and supervisor are doing what they can, but Quicken doesn't seem to be communicating in a timely or honest matter. I've been working on this for two and a half months now and have paid for an appraisal. I don't want to start this process over again with someone else. I would like to get this closed with the loans terms that were agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC
State: NJ

Complaint narrative:
We applied for a loan on two of our rental properties. They took our information over the phone and assured us we were approved. Sent out VP Mr. XXXX who assured us we werre approved, said they needed approximately {$1400.00} for appraisals. Once we paid the money we were told our application was in processing on the way to underwriting, promised we were going to closing. Prior to going into processing we provided them with all of the documents required to obtain a loan, great credit rating and everything. We were to close within a week, two days before closing we were told we were not getting the loan but we could have our useless appraisals. So we are left without our money and without our loan. No loan number or anything. VP XXXX stated that he has 5 or 6 people he visits a day, at that rate they dont have to exact any loans, they can just promise everyone a loan, collect a check and move on the the next

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: NY

Complaint narrative:
I called US Bank around the XXXX of XX/XX/2020 because credit reporting agencies showed that my mortgage account had been close due to a chapter XXXX bankruptcy. The represented said he would notify the bankruptcy department and my account would be corrected in XXXX. I called the bank today to see if the problem had been resolved. I spoke to 2 reps and didn't get anywhere. They then put me through to a supervisor who would not provide the bankruptcy departments phone number. Instead he insisted that he could only relay the message and that they only speak to bankruptcy lawyers. This is unacceptable, I would like to speak directly to the department who made this error on 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 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am requesting again an investigation into Citibank in regard to a request to them advising me of who cashed a check from my account. A debit was posted to my checking account on XX/XX/20 with the payee of XXXX XXXX. I began receiving bills monthly from XXXX XXXX  and had medication held up due to non payment of my account. After calling Citibank beginning on XX/XX/20 and subsequently 15 times later, they have not advised me where that payment was deposited. They requested on XX/XX/20 that I get a signed affidavit of forgery from XXXX which I tried unsuccessfully many times to get. On XX/XX/20 I sent 3 letters, 1 to XXXX XXXX, 1 to XXXX XXXX and one to the Citi Executive response unit advising them of my efforts to comply with their request and a copy of the signed certified receipt from XXXX proving that they received the affidavit along with copies of emails to XXXX XXXX stating that she received it. I received no response. After speaking to a XXXX, ID # XXXX, I was told there was no record of receipt of my letter. Why can they not tell me who cashed my check and to what account it went to? I will not give up as now I believe that Citibank is somehow involved in this fraud. Please tell me who I can contact next because your intervention has obviously no effect on Citibank responding to such a simple request from one of their millions of middle income clients that keep them afloat.

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 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hey guys, on XX/XX/XXXX I got deposited sba relief loan in the amount of XXXX. I got accepted from the sba after all the pending process so I have a current contract with sba and the application # XXXX to make certain payments every month and I still dont have my funds. So I received my funds to the account so since my account is on Restriction due to the loan. I showed them proof of my loan agreement and contract details and everything and still nothing. They put it on restriction for quite some time now n they decided not to be in relationship with me anymore n close my account but before they close my account they said they have to send the loan back and it might take some time within weeks or months or so and Im still waiting and they havent sent the funds back to the sba and is like I did everything in my power to sort this all out. I already did a complaint with the cfpb.com and they sent me a letter which is in my other complaint saying they going to send the money back to the sba but they still havent at all what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NY

Complaint narrative:
There are inquiries showing on my credit report that were not authorized nor initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I mail a certified letter to Equifax stating that they are reporting something inaccurate. I sent along documents showing that the account is 100 % reporting wrong and got no response. The letter clearly shows this I've also received money back because of the inaccurate reporting. For two years from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute last month and still have not gotten a response back from the credit bureaus.

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 2021-01-11 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:
I submitted a dispute last month and still have not gotten a response back from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off my auto loan, totaling {$40000.00} the final balance paid being {$1500.00} at the local XXXX bank on XXXX XXXX on theXX/XX/XXXX, 2020. I was told I should receive the title by mail in approximately 2 weeks from that date. I never received anything from them and waited until the XXXX of XXXX before calling to ensure they had enough time to send it. The representative I spoke to on the phone told me the title was just sent out that day and I should receive it soon. I never did so I called back on the XXXX of XXXX and the representative I spoke to told me the lien release was sent out on the XXXX of XXXX as well as the check for overpayment of the loan. I told him I had not received anything from the bank. He told me he was going to expedite the request to have them resend the documents and check and it should be mailed out in two business days. I called back on Monday XX/XX/XXXX and spoke to XXXX, a customer service rep and was told after several hold times that the lien release had been sent to the back office and they are waiting for signature and notary of the document before it can be sent to me. I asked how long that was going to take and she said hopefully it should take 2-3 business days before it is sent out to me. I told her I would like to escalate the case because I have been told different stories each time I called and the lien release should have been sent 10 days after paying it in full. I also told her my vehicle has passed the registration date and I'm not able to register it now due to not having received the lien release. After another long hold she came back and told me she had escalated the case and they could call me back when they get a response and verified my phone number. I informed her I would be contacting an attorney while I await a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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: FL

Complaint narrative:
I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Obviously I became a victim of identity theft. I kindly ask you to help me because I do not recognize this account. I am requesting that you delete information from my credit report because I am not connected to this account like absolutely. Its for sure not mine. I never signed for or agreed to this. I do not have any contracts or agreements, or documents confirm this item. Please I kindly ask you to take appropriate actions and delete it forever.

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