vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CO

Complaint narrative:
I opened a CASHBACK DEBIT debit/checking account with Discover on Thu, XX/XX/XXXX. Since then my account was locked 2 times within 24 hours for no apparent reason. I called their support team to try to resolve. The first person I was able to talk to confirmed that my account was locked but could not give me the reason why and said they would have to forward me to another group. I waited over two hours on hold before the call was disconnected. I finally got a hold of someone and they where able to unlock my account. I then went to my account and put in the details to connect my XXXX XXXX  Checking/Debit account so I could transfer money out of my discover account. ( I had deposited a check when I opened the account ). As soon as I did this my account got locked once again. I spent the next two days trying to resolve this issue and wasted 10 hours in total waiting on hold. I would get to 2 to 3 hours on hold before the call dropped. On Monday, XX/XX/XXXX, I was finally able to get a hold of someone and they where able to unlock my account and did not need to forward me to another group. I asked them to stay on the line while i tried to add my XXXX XXXX account. As soon as I did that the account locked again. They unlocked it again and again it locked after I put in my XXXX XXXX details. They then figured out that Discover does not accept XXXX XXXX as an account to transfer money to. Instead of having a message pop up telling me that, the system is designed to lock me out and require me to waste days of time on hold. This is a serious design flaw and on top of that the wait times to get it fixed are unacceptably long. Once I got my account open and my check deposited successfully, I initiated a transfer to my XXXX XXXX XXXXXXXX checking account. Today XX/XX/XXXX I got a message that my account has been locked due to suspected fraudulent activity. Back on the calls I was able to beg someone to let me talk to their supervisor instead of putting me back in the 3+ hour long queue. The manager was able to get me on a special list where the correct team would call me directly within 2 to 3 business days. This is a totally unacceptable length of time to get your account unlocked. My check is now frozen in transit and will not hit my XXXX XXXX XXXX account until this is resolved. I'm at my wits end and don't know how many more hours I will have to waste trying to get my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/2022, I received a letter from servicer US Bank offering help ( mortgage modification to be specific ) see attachment. 
On XX/XX/2022, I called US Bank and responded to the offer for help. 
The representative stated US Bank would send me a Mortgage Assistance Application within 5 business days. 
As of today, XX/XX/2022, I have not received the Mortgage Assistance Application promised by US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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:
On XX/XX/2022 I sent a letter to Experian disputing inaccurate information the bureau is reporting on my consumer report. 30 days have passed and they have not responded and/or provided any findings from their investigation. On XX/XX/2022 I sent a 30 day demand to comply letter in regards to the bureaus failure to uphold the law and comply with the legal time given to them for an investigation. They still have not responded or provided findings from their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX Capital One Credit Card XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose UCC 3-603 : TENDER OF PAYMENT : States that ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose UCC 3-603 : TENDER OF PAYMENT : States that ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
I Sold a home via an assumption on XXXX XX/XX/2022 to an other Veteran all docs where signed with notary. I was payed on XXXX XXXX XXXX when wire cleared. 
The deed recorded on the XXXX of XX/XX/2022 with XXXX XXXX in Arizona. 
I had payed XXXX note. I stared receiving Emails and letters from Rocket mortgage. I spoke with them on the phone and via email regarding home insurance and XXXX monthly payment. On a home that was sold and keys where given to the new owner. 
on the XXXX XX/XX/2022 my Credit monitoring showed that my score dropped significantly and I had a missed payment. I have all closing docs and viewed deed via XXXX XXXX web site. I also spoke with title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX XXXX and I am currently a credit card holder of XXXX XXXX XXXX  furniture store. I have been disputing the late fees attached to my acct ending in # XXXX which have now accrued to {$190.00}. 
Please be aware that I have called on numerous occasions regarding this, to only be offered a one-time ( yearly ) waiver of 1 late fee. This domino effect of late fees are stemming from the fact that my billing address was never updated in the store back in XX/XX/XXXX when I initially placed my furniture order. 

When I received my first bill it was on XX/XX/XXXX and already had late fees when it was finally forwarded to me thru the postal service. I immediately called TD bank inquiring as to why they were sending the bill to my old address, when we changed all info in the store, when I placed the order and also gave the address to where to deliver my new furniture order. 

The staff member pulled up my account making note of an old order that I had previously paid off with XXXX XXXX XXXX and stated she does not know why it wasnt changed in the system but that she would amend the info and update it. She suggested that I pay my regular {$65.00} payment that day ( XX/XX/XXXX ) in which I did, and she would put a request in for the waiver of late fees. She also stated that I would be receiving my XXXX statement at my new address of XXXX XXXX XXXX, XXXX NJ within the next week or XXXX. 

I never received a statement for XXXX. I did, However, receive my first statement for XX/XX/XXXX at the correct address now with more late fees. I am requesting my account be adjusted to remove these late fees. I feel like I am being punished for something that fell short on the part of Raymour and Flanigan. I am now on a fixed income and these fees are causing me a major hardship. I have had other accounts with Raymour and Flanigan with Absolutely no issues that I have paid off in full and I would like to stay in good standing. 

These gouging fees can not be fair to the consumer. Especially when it was no fault of mine. I am requesting assistance from the CFPB in helping to rectify this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank closed my Sam 's Credit Card and all my credit cards associated with Synchrony bank. 

Synchrony bank closed my Sam 's Card to not pay the cash rewards that I have earned approximately {$5000.00}. 

They stated that to contact the credit bureaus, which I do not have any missed payments or derrogatory issues on my credit report. My credit score is over 800 with no missed payments of any kind.

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 2022-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I took out a car loan through Wells Fargo Auto on XX/XX/XXXX. The loan was reaffirmed on XXXX XXXX. No payments have ever been missed. The loan is active, and I am a month ahead of the payment schedule. Despite my continual payments, Wells Fargo listed this loan as closed on XXXX. I have tried to work with them for over a year, asking them to report my payments to the three major credit bureaus. They have lied to the credit bureaus, telling them the account is closed. I have all documents, including the reaffirmation agreement Wells Fargo signed and all auto loan bills sent to me and paid by me since 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 2022-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
According to Indiana Small loan laws, Payday loan providers are required to offer an extended payment plan on the third, 4th, or 5th consecutive loan. It is even stated in the contract. I am on my 3rd consecutive loan and asked for an EPP. I was told I was not eligible until my 4th consecutive loan. I tried speaking with a manager and was told to file a complaint because there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report, its been over 60 days later and I have not received a response back. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the item from my credit report it has been over 60 days so this item late payment should be deleted immediately. I demand this late payment be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I received a statement saying that i owed a bill from a company that is due to another. I then sent the company a certified mail and green return receipt. I asked for validation of the debt pursuant to 15 usc 1692g. I never asked for verification which i made clear in the letter i sent. I have not got the name and address of the original creditor. My understanding of validation pursuant to 15 usc 1692g is the debt collector has to provide me with the amount of the debt, the name of the creditor to whom the debt is owed along with other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I contacted penfed to make a payment on my credit card because I could not add my account on their website to make a payment. I spoke to a manager in the credit department who explained that this happened to several members. She said she would expedite a credit bureau dispute which never happened and my credit rating keeps being destroyed by their actions. I waited over a month for penfed to review this and make the necessary changes and they refused. I called in and a woman made the payment for me a made an error which further delayed the payment because it had to go to their back office. If this isn't corrected penfed will be brought to court to have this remedied. I tried to make the payment but they had a system-wide issue and refuse to correct my credit report or handle the fraudulent charges.

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX. I was a customer of citi bank. I have files two complaint in CFPB before. last complaint number is XXXX. First complaint i have mentioned that citibank closed my account without informing me. and didn't refund me my money which was total of {$21000.00}. right after i submitted my complaint in XXXX, they have refund me {$12000.00}. and It was missing {$8800.00}. Then i have compliant again in XXXX  to help me get my {$8800.00}. after i complained they have send me a check of {$8800.00}. When I deposited {$8800.00} in my XXXX it deposit that money in my chase account.But after two days later i saw my account become negative {$8800.00} because citi bank didn't allow my XXXX bank to deposit the check. Then i contact my XXXX bank they told me because citi bank did stop payment on that check. Then I again start calling citi bank to remove the stop payment. It happened like before they start mentally harassing me. Every time i call customer service they told me they will give me the money back but i never receive. Please help me to get the check of {$8800.00} again. I'm going to provide all the proof i have. I also have provide the letter i received from citi bank telling me they will send the check right after i contact cfpb. But they send me check which has stop payment. please 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 2022-07-12 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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:
Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-07-12 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: TX

Complaint narrative:
Received hard inquries for something that was not even supposed to be a credit pull due to me not authorizing these : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
I recently completed a VA partial claim loan modification with Caliber Home Loans after exiting COVID forbearance. During this process Caliber adamantly refused to allow me to make payments online, which led to the generation of several of my past complaints. Caliber retained an attorney, XXXX XXXX, after one of my complaints led to a Dept. of Justice facilitated mediation regarding ADA violations I had complained about previously. This mediation ended without either parties being able to come to an agreement. 
XXXX XXXX, Caliber 's attorney advised me to send any paperwork to her office, which I understood to mean payments as well. While my partial claim payment was being processed, I sent those payments to her office, this caused several delays in Caliber receiving those checks. As a term of the forbearance, Caliber did not report my account as delinquent, however now that the loan modification is done, they are now reporting my account as delinquent. 
The last check I sent, dated XX/XX/22, and delivered to XXXX 's office on XX/XX/22, was not processed in a timely manner by Caliber. I also asked XXXX XXXX via email if the check had been processed and never received a reply. Per my records, the check was deposited on XX/XX/22. Caliber reported my account as 30 days past due on XX/XX/22. This error is entirely the fault of Caliber Home Loans, I delivered the check to where I was told to deliver it to, it is outside of my control if it was not applied to my account in a timely manner. As of this writing Caliber states my account is only 11 days past due. I intend to make another payment as soon as I receive confirmation from Caliber and/or their attorney that I can resume making online payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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