vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC
State: TN

Complaint narrative:
On XX/XX/2021, I opened a dispute with my bank for a transaction that was processed on XXXX the XXXX 2021. I never received any updates from them until I would call various times throughout the week. Whenever I would get them on the phone they would give me the same generic answer, their resolutions team was actively investigating. And I never received an email update until immediately after I had reached out to them on the phone. But the email was exactly the same each time as well. On XX/XX/XXXX and XX/XX/XXXX when I reached out to the resolutions team, they told me to keep reaching out to the merchant. Which I did. I even added her to a 3 way call with myself and the resolutions team agent, and when she told them the chargeback had been processed on their end, the agent didnt have anything to say. I have plenty of evidence to show that the goods I ordered were not delivered within the timeframe suggested and when I did receive a package, it was not what it was advertised to be. Which in turn, I promptly returned to the merchant. My bank has mishandled this from the beginning and denied my dispute, not once but twice. Even though I have sufficient evidence that XXXX  didnt send the package until after the dispute was filed, and I have sufficient evidence that her goods were returned and I have yet to receive my funds back. I also have screenshots of the merchant telling me that the funds were taken from her account, and that they have been released to my bank back in XXXX of this year. She sent screenshot proof of that 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 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively, I disputed information and asked Transunion to provide specific data and processes used to verify the accuracy of accounts/personal information on my credit report as required under FCRA. I provided my Maryland Real ID as proof of my identity and address with each request. My requests were not granted timely or in full. 

In a letter dated XX/XX/XXXX Transunion " verified '' and/or " updated '' accounts, phone numbers and addresses without provision of how they arrived at such verification, which I specifically requested because there are inaccuracies throughout. 

For example, a credit union account reports to date as charged off with a past-due balance, but it is actually open and has been in good standing with the institution for years. No way the reported information was researched or " verified, '' as alleged in the letter. One of the addresses is to an apartment building, yet no unit number is identified. I have lived at my current address since XXXX, which is longer than any account is lawfully allowed to report on a credit file, so why is the incorrect address even there? 

It would appear that Transunion is in the practice of responding without factual information or doing the required research as outlined in the FCRA. This is alarming, considering the data they provide about consumers is relied upon by most creditors and employers, affecting our lifestyles and perhaps even our livelihoods. The law protects our rights to a degree, and mine have been violated repeatedly by this company without regard for my personal circumstance. 

Please investigate. Thank you.

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 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Due to COVID -19 I was laid off from my job in XX/XX/XXXX. I immediately contacted my mortgage company Mr. Cooper to inform them of this unforeseen disaster. The representative informed me due to COVID-19 my investor is participating in the Pandemic Forbearance Relief Plan. This was a relief as my number one goal is to keep my family in our home. The short term forbearance would be approved in 3 month increments for up to 12 months. Upon the last extension, the mortgage company would provide all the options per my investor which included adding the payments to the end of the loan, repayment plan, modification or a lump sum. I immediately informed the representative we could not afford a lump sum payment. The representative assured me the company would exhaust all options and a full lump sum payment would be the last option as the company understands hard times due to the pandemic. 

XX/XX/XXXX at TIME, I received a call from XXXX XXXX, stating he was assigned to my account since the COVID-19 forbearance expired. I informed him I started a new job and would like to discuss addressing the past due payments as indicated when I agreed to forbearance. 

30 days later I received an email from the mortgage company stating I was denied a modification but a short sale was approved or Deed in Lieu approved. 

We followed all the guidelines set forth by Mr. Cooper Mortgage Company however unbeknown to us Mr. Cooper Mortgage company used unfair business practices and deception. At no time were we told the past due mortgage payments would be due in one lump sum at the end of the short term. We were told we would discuss the options which included repayment plan, modification, moving the past due payments to the end of the loan, etc. This is deception, we were never asked nor provided any financial information for Mr. Cooper to review for a modification or repayment plan. They just assumed we did not qualify. How can the mortgage company determine we don't qualify without any financial information? Is this common practice for certain types of people? They prefer to put us out of our home without trying to help us. 

While Mr. Cooper would like to sell our home, we are seeking fair business practice guidelines per COVID-19 rules to resolve this issue. Our goal is to stay in our home. We were appalled how easy it was for the representative to state cant we pull {$15000.00} from our 401K in the middle of a crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: MN

Complaint narrative:
They keep turning on autopay without my consent. Theyve done this multiple times. Theyve caused multiple other scheduled payments out of the payment account to be returned. Theyve also attempted to eft/debit accounts that Ive deleted from my profile with them. Im unemployed so this has caused great harm and stress. They feign ignorance into how this could happen. They have verified multiple times on recorded lines that autopay is off. Unauthorized withdrawals from my account either constitutes fraud or theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial
State: KY

Complaint narrative:
I was contacted about debt that I owed toward an old payday loan. Initially, I was told that a suit would be filed against me in the county I live in. I contacted XXXX XXXX XXXX, who told said they had tried to send me a written notice, but it was to an address I haven't lived at in several years. 

They emailed a Dunning notice to me. I had already reached out to Spotloan, which is the company I had taken the payday loan from several years ago, to verify my account information. The account number they gave me didn't match the original account number listed on the Dunning notice from XXXX XXXX XXXX. 

I attempted to mail a letter of verification to the PO box listed on the Dunning notice ( XXXX XXXX XXXX, XXXX, NY ), but received notice from the USPS that the letter couldn't be delivered because the address is vacant. This is also the address listed on their website.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On Wednesday XX/XX/XXXX my primary checking account was hacked for {$9900.00}. A complaint and claim was filed at the bank ( Citizens Bank ) the same day and new savings account was opened to transfer most of the remaining funds. At this point I had 2 checking accounts and 1 savings account. The one checking account was hacked and only credit transactions to come in, no debit transactions. Some money was transferred to another checking account to stay active for monthly bills. On XX/XX/XXXX this other checking account was also hacked for {$1200.00}. Another claim was put Into the bank the evening of XX/XX/XXXX. There was supposed to be a hold on all accounts starting on XX/XX/XXXX so that no other debits could be made from any of the 3 accounts ( 2 checking, 1 savings ). When I woke up today ( XX/XX/XXXX ) I checked my accounts and there was a debit from my savings account for {$9700.00}. This saving account was a brand new account opened on XX/XX/XXXX when I went into the bank in person to put a hold on my account and transfer money into savings. At this point I believe these incidents are identity thief. Someone has access to all my banking information, my signature, and probably my social security number. Almost 3 different accounts were hacked for over {$20000.00} in less than a week. I am extremely disappointed in Citizens Bank for letting these transactions happen and will no longer be banking with them after this is resolved and the money is returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
good day i sent a affidavit on XXXX notify XXXX and equifax that they were in violations of the Pursuant to FCRA : 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] this specific accounts have been inaccuracy reporting on my credit file. 
I sent EXHIBIT A, B, C showing that CREDIT REPORTING XXXX XXXX removed the public record bankruptcy from my credit file which in turn made XXXX and equifax reporting this account inaccuracy on my file. i sent letters showing that they are now in violations of 15 U.S.C. 1681i ]. XXXX update the file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting a fair assessment of my credit score by TransUnion LLC and here is why I am making this request ; 1. XX/XX/2021 : These are my screen shots of my credit scores from XXXX XXXX. 
Q : On XX/XX/2021 I had 6 changes to my credit report. 
1 change was my XXXX Card balance increased by only {$40.00} but the ( CREDIT UTILIZATION WAS ONLY 13 % ). My credit utilization was still under 30 % so why did my score DECREASE by 3pts. 
4 changes was that my balances decreased on my XXXX XXXX accounts ( If the balances decreased and the utilizations are under 30 % ( why did my score not INCREASE ) 1 changed was XXXX account was reported as Closed Account. This alleged inaccurate account has been reporting as a Closed Account on my credit for years. The status did not change so why did my score DECREASED 2. XX/XX/2021 : I had 1 change which was my XXXX account balance decreased by {$61.00}. The CREDIT UTILIZATION on this account was under 30 % so why did my credit score DECREASE BY 23PTS? 

3. Credit utilization is based on overall credit available used across all cards. The XXXX XXXX credit card you are showing below is Closed and does not have any credit available ; therefore, why are you including it in XXXX XXXX of my credit score? 
A new account was opened which should have caused my credit score to INCREASE not DECREASE. 

4. On XX/XX/XXXX, my score decreased by 10pts due to a credit inquiry by XXXX XXXX Bank for the new credit card I received. TransUnion normally only decreases points by 2 or 3 points for Credit Inquiries. Why was my credit inquiry for a card that was approved and I received 10pts DECREASE? THAT IS NOT NORMAL. 

5. On XX/XX/2021, there was NO CHANGE TO MY TRANSUNION CREDIT REPORT, but my XXXXredit score dropped by 22 points. IF THERE WAS NO CHANGES TO MY TRANSUNIN CREDIT REPORT, WHY DID MY SCORE DECREASE BY 22 POINTS?

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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/2021 the State of New Jersey had a pending transaction to go into my account Navy Federal checking account to deposit Back funds owed to me. Currently, I am in a COVID19, Financial hardship, which is documented, and facing losing my home. Navy Federal Credit Union deducted the Majority of funds in the amount of {$4400.00} out of my account Without notifying me of any amounts owed for the debt, the charge account was also disputed, and I did not agree to their terms on my account. My checking account was not opened simultaneously with a credit card, and I did not consent to Navy Federal to remove Unemployment Funds from my account during a National Pandemic. On XX/XX/2021, Ive made at least four attempts to speak with a supervisor regarding this matter and was informed by multiple representatives no supervisor was available, but one would call back but call back but I was not provided with a date or time. The representatives also refused to provide their identity in which I repeatedly to know the first and last names of whom I was speaking with so I could document for my records. requested them and was spoken to very rudely without an attempt to find a resolution to the circumstances. The representative, XXXX did not want to hear what I needed to say nor would he provide his last name. Navy Federal Credit Union is Not operating with Fair Practices within the Government guidelines for individuals effected with a hardship due to the Pandemic. I also explained why I needed for the transaction to be reversed, the representative would not allow any other options for the account to be resolved. Navy Federal Practices are Deceptive, and I do not have a clear record of what was owed nor do I have access to the account to review any transaction histories or statements.

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I tried to purchase an item online for {$96.00} and never received the item. When I notified the bank they issued a temporary credit to my account. They said they investigated and they denied my claim and reversed the temporary credit taking the money out of my account. I forwarded an email that I sent to the merchant asking them to refund my money because I never received the item and never got a response. I was sent a letter stating that the item had been delivered to the front steps of my home which was in fact untrue. I was out of work and there was always someone home at my house and there was never anything delivered. Also, I live in an apartment complex and any item left outside, the other residents of our building will bring it in and place it in front of the unit of the resident. Their was no physical address on the information that was sent to me it only stated the town, state and zip code of the delivery. I find it ironic that the bank could get in touch with the merchant and I could not get a response from them. I believe they are lying as I told them I believed the purchase to be a scam/fraud. I emailed them a copy of my email to the merchant and a picture of the advertisement of the item that I never received. There were so many red flags and a good investigator would have noticed them. Please request all emails that I forwarded to Bank of America and review them before rushing to judgement to make a decision. 
Thank you in advance 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 explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have yet to hear a response from the bureaus and my dispute letters were sent out on XX/XX/2021 @ XXXX and arrived to them on 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 explanation
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have yet to hear a response from the bureaus and my dispute letters were sent out on XX/XX/2021 @ XXXX and arrived to them on 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 explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I just opened an account with PayPal last week. PayPal email is XXXX, I successfully completed 2 transactions and both transactions they had a hold placed on it. Yesterday my friend loaned me some funds so that I can pay some of my bills and rent and I wasnt able to transfer funds to my bank account. I tried to get help from chat support but they couldnt help me, and placed my account on limited access. I cant access my funds at this point. They wanted me to verify my identity and bank card which I did, and after verifying my account I received an email saying PayPal close me account and any funds in my account will be on hold for 180 days. I cant wait 6 months for funds that I need to pay my bills right now. They close my account with out an explanation as to why! At this point I dont care about using their service anymore and I just want to be able to withdraw my funds out and move on from this! This is not right and feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Submitted a wire transfer from my CitiGold account around XXXX XXXX on XX/XX/2021. I called in to CitiGold Customer Service to handle the transaction ... the young lady walked me through the online submission process. As we ended the process, my CitiGold checking account balance was reduced to {$0.00}, from {$220000.00}. After paying the {$17.00} wire transfer fee, the actual amount transferred to XXXX XXXX XXXX ( XXXX ) was {$220000.00}. 

As a wire transfer, this transaction should have taken no more than a couple of hours at most. The transfer never took place on Friday, and had not completed by XXXX XXXX on Monday, XX/XX/XXXX. I spoke to my local XXXX XXXX XXXX branch and they had no record of the transfer. 

At about XXXX XXXX, I called CitiGold Customer Service to find out what had happened to my transfer. I spoke to a young lady who tracked down the transfer, telling me the ttansfer had not been 'approved ' and was still pending. She contacted a 'manager ' at CitiGold who approved the transfer ; the money was released around XXXX XXXX ; and arrived in my XXXX XXXX XXXX account between XXXX and XXXX XXXX. 

This transfer was initiated XXXX hours before Citibanks cut-off time for a domestic transfer ( published as XXXX XXXX, Monday through Friday ). I was never informed that there was any form of approval process, and I went through multiple security authentication steps prove who I was before the wire transfer transaction was accepted in the system. 

I expected this money to transfer on Friday, and if there was a problem with executing the transaction Friday, Citibank should have contacted me to discuss any problems. As it was, my wife and I spent the weekend wondering where our money was. As I explained to both young ladies at XXXX, this money was needed to set up escrow for the purchase of a new home. 

My opinion ... Citibank just wanted to hold on to my {$220000.00} for XXXX more days, and they made me chase them to get the money released. If a wire transfer is initiated prior to there cut-off time, it should be executed. And if there is a problem, they should contact the customer to resolve the issue. 

CitiGold has other mechanisms to transfer money to another bank, and I pursued several of them. Unfortunately, the transaction limits are set so low, even using the best mechanism other than a wire transfer, it would have taken literally months to transfer the money. And to get a physical check for this money, I would have had to take a XXXX mile trip to a south Florida office to get the check.

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 2021-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Windham Equity Company
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation