vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
I bought a manufactured home from XXXX XXXX and AmCap is the lender. XXXX XXXX XXXX who did the foundation did not do the foundation per the HUD code. XXXX XXXX had the company XXXX come out and inspect the house and foundation and passed the inspection. Now the foundation does not follow HUD code for drainage, grading, skirting not bolted to the foundation. Water can not drain from under the house. Skirting is sitting on blocks not the foundation due to the foundation was not made big enough. After discussing this with XXXX XXXX with AmCap, AmCap decided to send the company XXXX out to do an inspection and the company XXXX failed the inspection due to drainage issues. ( See attachment below ). AmCap then told XXXX XXXX and XXXX  XXXX had their contractor come out and add sand to around the house and then they had it reinspected my XXXX  which again passed the inspection. The lender, AmCap, wants me to sign off on the loan accepting it how it is which does not follow hud code. I will attach pictures and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This letter is to serve notice of an error that occurred and a demand to resolve. 

On XX/XX/2021 the merchant, XXXX by XXXX deposited/credited a total amount of {$9200.00} into my personal checking account. I noticed after checking my account balance on XX/XX/2021 that- {$9200.00} was debited from my personal checking account by the merchant XXXX XXXX XXXX. I reached out to the financial institution, Navy Federal on XX/XX/2021 to request an explanation of why funds were reversed/taken. The explanation the representative of the financial institution, Navy Federal Credit Union provided me was " The merchant has up to 180 days to go into your account and settle any issues. '' I had to leave this issue right there after that exchange, because I felt, that what was being told /stated was in good faith the correct and right information, however on XX/XX/2021 I contacted the financial institution, Navy Federal and spoke with XXXX XXXX who informed me that she is no aware of such a rule that a merchant has up to 180 days to settle an account. I was faberglasted, confused and now determined to get to the bottom of this. 



As of today, XX/XX/2021 this matter has not been appropriately addressed. I want to have this resolved, as I believe this was an EFT error on the financial institute, Navy Federal. I would like to know ; ( 1 ). Why was I not given prior notification by phone, email or text of the EFT transaction that took place on XX/XX/2021?, ( 2 ). Does a merchant indeed have access to my account for 180 days in order to settle any discrepancies?, ( 3 ). Who authorized this EFT transaction?, and ( XXXX ). If it was not authorized was there written approval of a preauthorized EFT? 



I find that the financial institution, Navy Federal is in violation of Regulation E ( C.F.R. 1005 ) and I am requesting a formal claim of error investigated pursuant to 15 USC 1693f. I contacted the financial institution, Navy Federal pursuant to 15 USC 1693g ( a ) ( 2 ) on XX/XX/2021 and was made to believe I had no other recourse in this matter. This was false and deceptive practice by the representative of the financial institution, Navy Federal. I did not authorize ( 12 C.F.R. 1005.3 ) or preauthorize ( 12 C.F.R. 1005.10 ) the financial institution, Navy Federal to perform an EFT of my personal checking account. As a consumer, pursuant to 15 USC 1693a ( 6 ) I am invoking my consumer right to have this matter investigated and resolved.

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 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have made every payment on time for 30 years, never missed a payment!!! 
Every year the servicer reviews escrow. Any shortage I pay in full. When the current servicer, Mr Cooper, took over the mortgage servicing I did the exact same thing when they offered me the opportunity to pay in full or over time in XX/XX/2019. I paid {$1700.00} for an escrow shortfall along with my regular payment. This is where they started the problem. For some unknown reason they misapplied the funds and started billing me for the difference, holding up funds, charging fees and penalties. I continued to make my monthly payments according to the monthly statements sent to me. The following year was another escrow accounting and my monthly payment lowered. As I had for 29 years and according to their statement, I started my new payment on XX/XX/XXXX. 
Since XX/XX/2019 Mr Cooper has played by their own rules of applying funds and penalties on a regular basis. I have communicated with them in writing almost every month asking for corrections as I neared payoff of this loan, 30 years this year. On XX/XX/2019 I spoke with XXXX ext. # XXXX who stated it was their mistake and they would correct it. On XX/XX/2019 a written notice was sent priority mail again asking for correction. ( receipt available ). On XX/XX/2019 I spoke with a XXXX XXXX XXXX who said again they would straighten the account out. In the mean time nothing changed ( and still nothing has changed ). Mr Cooper continued to misapply funds in an unapplied funds account there by counting payments late even though every payment has been made at the amount stipulated on the new statement account at the beginning of each year. I continued to make the payments and the loan should be paid off in full. 

AND, are you ready for this, my last payment due on this loan was returned in stead of paying off the loan. The check that was sent to me from Mr Cooper labeled my XXXX payment as a payoff shortfall and refunded it to me in full. Now they are trying to foreclose because they returned the last payment. 

I do not have the ability to scan or upload documents. BUT every item in this complaint has a matching document to support what I have written.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint narrative:
FedLoan has been denying my XX/XX/XXXX certification, citing issues that simply are not true. They have returned my most recent form for missing information which is clearly visible, and refuse to practice the most basic customer service in regards to follow-ups with issues. Everything simply gets kicked back to me because they do not feel like processing my certification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
In XXXX, 2017 I attempted to finance a vehicle from credit acceptance corporation. The dealership attempted to extort me for additional cash after the finance paperwork had been signed for credit acceptance. I never took delivery of the vehicle. I never had possession of the vehicle. I have never made a payment other than the down payment I was never refunded. The vehicle has never been registered in my name. There is no lien on the vehicle. I have tried to dispute the debt with the credit bureaus. I have tried to dispute it with credit acceptance directly. They havent sent the debt to collections.

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 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXX I made a purchase with my square XXXX via XXXX for {$350.00}. This transaction was immediately canceled through XXXX and refunded. I called square to have the funds added back to my original balance and the square rep voided out the wrong XXXX transaction which in turn charged me twice and put me in a negative balance. Not only is this an inconvenience but will also reflect negatively on my account when doing future business with square. All because of a mistake on the behalf of the square representative. Ive been transferred numerous times with no resolve in sight! Was told it would take up to 60 days. The representative XXXX XXXX was very dismissive and refused to transfer me to a manager or someone above her in ranking to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I had car trouble and signed up for a XXXX service credit card by CitiBank after it was advertised on both the dealers website as well as the companys website on XX/XX/XXXX. When I attempted to use it, they told me they dont accept the card they advertise. On XX/XX/XXXX I received an email I was advised incorrectly and they indeed take the card but when I went back to the dealership they said they couldnt. The link to the dealers website still advertising this card. https : XXXX XXXX XXXX XXXX On the second website, XXXX XXXX is listed when you click schedule service. 

So I signed up for a card due to a promotion that was advertised on the dealers website and cant use it. I followed up today with service manager XXXX XXXX who said they would have to sign back up with Citi and refuse to do that.

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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have been banking with Citibank for the last 3 months. I am on a fixed income and have my benefits direct deposited into my account. When I signed up, I had just applied for the regular access account. After being with them a few months, I upgraded my account to Citi XXXX account. I've never had any issues with my account. I made a mobile deposit around the XX/XX/XXXX. I went to check my account the following morning, it was blocked. I reached out to the bank and to find out the my account has blocked and needed to speak to someone in the Fraud department. This conversation which lasted 2 hours and 45 min with no resolution. I had spoken with the 4 people in this department and they stated that the funds would be sent back to XXXX. As of XX/XX/2021 Citibank still has my funds. I have not been able to pay any of my bills. The only resolution they are giving me is they will mail a check within 15-60 days or I can go into a branch to receive my funds. I currently reside in TN and the nearest branch is in IL or FL.

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 2021-11-17 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
On XX/XX/2021 I received an email from Destiny Mastercard part of Genesis FS Card Services stating Thank you for choosing Destiny, expect your card in 7-10 days. I called their customer service that evening at XXXX and gave my name, phone number and e-mail this was received on and sent by to the call center rep telling her that I never applied for a card and was told this would be sent to their supervisor of the fraud division and they will call me. 

Today XX/XX/2021 I received an alert from XXXX stating a hard inquiry was pulled from my XXXX report by this company. I never applied for this card, my credit is locked through XXXX. I never received a call back from this company - I called them again today to report the same thing and was told the same information as before. I am terrified that someone somewhere is going to receive a card in my name and this company is doing nothing but continuing to pull my unauthorized information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 was reviewing a copy of my credit report and seen some fraudulent chargers on XXXX, TransUnion, XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 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 2021-11-17 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:
I was reviewing a copy of my credit report and seen some fraudulent chargers on XXXX, XXXX, Equifax XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed inaccurate information on my credit report and asked that the company provide proof showing my wet signature to me. They have failed to show me that proof and the items are still reporting inaccurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I have credit card issued with HSBK BANK for two years, perfectly paid and few time used. Line of credit {$4200.00}. Now with out communication or letter they process to reduce the line of credit from {$4200.00} to {$950.00}. That means from 22.12 % balance to 95.28 %, that was reported from XXXX and my FICO going down unfortunately. This really unfair for every customer that have a good relation and proper payment in any credit card they act unprofessional and playing with the financial situation from everybody. 
I would like to know if I have any consumer right from this type of situation or not!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
XX/XX/XXXX td auto finance sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over nite inever heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from td auto finance and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when XXXX XXXX total my XXXX  after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and td finance did fraud with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage has been an absolute nightmare. First we are holding for extremely long times on the phone to even speak with a customer service agent. Every time I speak with one my husband and I get a very different story. Several agents have even stated that they don't know what is going on with our account. This company continues to take funds from our bank account in error and then take 8-9 days to put it back. We have been dealing with then since they purchased our account from another Mortgage Company. We have never been late or had issues until Freedom Mortgage took our account. We have spoken with several agents and they are are listed here forth : XXXX - XXXX XXXX on XX/XX/21. Requested out funds of {$1900.00} to be returned to our account immediately because we paid the payment by phone on XX/XX/21 and then they turned around and took an auto-draft, XXXX. This was after we cancelled auto-draft. Then even though we can see both payments Freedom states they have to wait to see it it clears or not. We have since spoken with XXXX XXXX, on XX/XX/21 and then XXXX XXXX on XX/XX/21 and then XXXX XXXX on XX/XX/21 and XXXX the XXXX XXXX on XX/XX/21 @ XXXX, only for him to tell us the funds went to the incorrect account. How does that happen? You take the money from an account via XXXX and then when they put them back they go to the wrong account. They actually stated the last number of our account was changed from a 6 ( six ) to a three ( 3 ). as of yesterday we spoke with XXXX XXXX and he stated the funds were returned and auto-draft cancelled. Now today XX/XX/21 they have once again removed monies from our account. I don't understand how they can continue to lie, and steal. I need some help getting them to do the right thing. This company had a class action lawsuit again them and they should not be allowed to do business anymore. We didn't choose them, they bought our loan and now we are stuck.

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 2021-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I requested a payoff amount for my home mortgage loan and when I called Wells Fargo on XXXX XXXX to check on the status of my recorded request, I was informed that they do not have it and to submit another request for your payoff amount. I informed the supervisor on duty that your company is in violation of 15 US code 1639g and to correct the issue. The supervisor was unable to correct it but instead informed me that they will escalate it and make a complaint on my behalf to management.

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 2021-11-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
JPMCB - CARD SERVICE ***** Opened XXXX XXXX, XXXX Balance {$530.00}

Company response to consumer: Closed with explanation