vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently applied for a mortgage and received a credit score information disclosure from my lender. According to the disclosure, the Equifax score was calculated using the " EQUIFAX/XXXX XXXXXXXX XXXX '' model. Equifax assigned me a score of XXXX ( on a scale of 334 - 818 ) and listed as one of the " Key Factors effecting the score '' the alleged presence of " TOO MANY CONSUMER FINANCE ACCOUNTS '' on my report. I have been in the market searching for a home for almost a year, and given the extended search period my lender has had to run my credit more than once. This is therefore at least the second time I've received a credit score information disclosure from my lender that references the same negative factor being reported by Equifax. No other credit bureau makes reference to any such factor. 

I have reached out to Equifax more than once in an effort to get an explanation for the aforementioned negative factor, as Equifax is clearly reporting it to creditors and citing it as something that is impacting my score ; however, Equifax has been unable to give me any answers. In response to my last request for information Equifax 's customer service department simply told me that there are no negative marks on my report, and the company sent me a copy of my credit report. But I had already retrieved a copy of my Equifax credit report beforehand, so I was well aware that there was nothing negative on it. What I did/do not understand is why Equifax continues to flag this alleged negative factor for creditors. To my knowledge, there are no " consumer finance accounts '' on my credit report. The risk factor cited by Equifax therefore does not exist and should not appear on any report issued to creditors. 

Unless Equifax can prove otherwise, the company may well be in violation of the FCRA. I am reporting this incident to the CFPB given that my attempts to resolve the issue with Equifax have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
At this time, This company has not provided any factual proof or validation pertaining to my factual consumer complaints. not only that but has been reporting inaccurate information ALL WITHOUT MY CONSENT. They have not provided the correct title instead has fraudulently obtained by creating 2 attaching my name to a false debt.. At this time NFCU has an open court case with the CEO. In response to the credit reporting it must cease and desist. They are reporting an address they had no consent to report and is wrong, They did NOT HAVE PERMISSIBLE PURPOSE and NO VALIDATION FOR THAT FACT ALONE. Overall it is a question of why TWO CA TITLES were made. All contracts on my end have been canceled and rescinded and by certified mail, fax, and thought the e portal. It is clear of the fraud and deceptive practices this company continues to injury my life with. A federal claim is pending. The CA TITLE this company is trying to attach a debt to is not for the correct title. They tried to cover their fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: TN

Complaint narrative:
I am writing about my earnest money and my loan was denied because my husband was going to be working 40 hrs. My work for XXXX XXXX and he does get paid for holiday pay. The underwritten denied the loan. and I was told that I get my appraisal money and my earnest money. When XXXX XXXX call she told me that I was not going get, my money back because of something about 21 days but I was told about 21 days. In my Earnest money contact there no clause in there saying anything about 21days. I have stay in a XXXX XXXX XXXX waiting on this get this loan approval they change the day from XX/XX/XXXX to XXXX XXXX and they it change again until XX/XX/XXXX. On the other hand this email I got from XXXX XXXX and XXXX, Good afternoon, the underwriter cant move forward with the loan for this purchase at this time due to the variable and non stable income for XXXX. We are lacking full time income and with having the summer off from his employment the underwriter has deemed it variable and non stable income and debt to income ratio is too high. 



You can get with XXXX to retrieve the earnest money deposit due to the financing contingency in the contract. I will notify the Appraisal Management Company ( XXXX XXXX ) to return funds for the appraisal fee, this can take up to 7-10 days depending on the credit card company. 



Thanks, XXXX XXXXXXXX. 
XXXX XXXX  | Mortgage Loan Specialist | Individual NMLS # XXXX TN # XXXX GA # XXXX CMG Mortgage Inc. | Corporate NMLS XXXX | XXXX XXXX XXXX | XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
Carvana should be investigating for fraudulently changing terms without sending anything in writing or giving any reason why. I applied for a vehicle to be financed with Carvana with using my vehicle as a trade in. When I filled out the application online they asked questions like are you financing or own your vehicle, what is the mileage and my vin. #,. I provided everything. They told me they would give me XXXX  for my trade in and the original terms were monthly payments if XXXX for 72 months at 20 % interest rate with no money down. I Signed a contract and provided all the documents they asked for including the payoff for my vehicle that I was trading in then today I get an email to call Carvana because my terms changed. Because I have a balance on my car of XXXX  and they are only willing to give me XXXX  for my car but XXXX XXXX XXXX  gave a value of XXXX  for my car because I have low mileage and my car is in excellent condition they changed the terms to XXXX down with 27 % interest rate with monthly payments of XXXX a month. I asked them to tell me why I had to give XXXX down If my vehicle was being traded and XXXX was going towards the vehicle. Even if they add the difference from my trade in value minus my payoff it would not warrant payments to be XXXX for 72 months. The purchase price of the car would be XXXX  instead of XXXX. Which means they would take the difference of what I owe from the trade in and add it to the new loan. They could not answer my questions when I asked for a copy of the terms in writing they refused to let me see the figures they quoted me over the phone. I believe this was all a game they were playing with me. I asked for a manager and the Gentleman hung on me. His name was XXXX. I want them investigated they changed the terms and would not put it in writing who does this you give me verbal agreement without giving me options to review. Who does business this way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
Good afternoon : In XXXX of 2021, we refinanced our mortgage. 

Our refinance, while botched, resulted in our entire escrow balance paying our estimated taxes and property insurance ( please see attached ) In XXXX, we received a letter ( please see attached ) from the land title company stating that we were short {$2500.00} for our property tax bill as only {$4500.00} was paid after closing ( attached on page 3 shows {$4500.00} was paid towards our property taxes in addition to {$2200.00} towards our property insurance on XX/XX/2021 ). 

In XXXX of 2021, I called Movement Mortgage 's customer service number to let them know and they said they'll get a copy of the tax bill and take care of it. It turns out that your billing department paid the whole {$7100.00} in addition to the entire XXXX XXXX XXXX payment leaving us with around a $ XXXX  deficit. 

The deficit in this case should only be {$2500.00} NOT $ XXXX. As a result of this error, we will have to pay an extra {$1200.00} per month starting on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In 2020 I pulled my XXXX Credit Bureau File and found Portfolio Recovery Associates , LLC entered an ERROR on my file claiming I owe {$520.00} to XXXX Bank Nevada, NA. I do not owe XXXX any money, and I do not owe any money to Portfolio Recovery or signed any agreements with Portfolio. 

On XXXX I send Portfolio Recovery a Certified Letter, Return Receipt Requested, informing them of their mistake, objecting to owing them any money and asking for PROOF that I owe the debt. I asked for copies of any documents bearing my signature from XXXX Bank Nevada showing that I have an obligation to pay this debt. 

Portfolio responded on XXXX and FAILED to include any proof or any documents, order forms, etc. proving that the debt belongs to me. 

To date Portfolio refuses to delete their ERROR on my credit report causing me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the entire loan, and asked them not to report any adverse action as this loan has been paid in full by my open end credit plan. They have yet to respond to any of my correspondence.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX, transunion, XXXX XXXX XXXX XXXX, transunion, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-05 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: NV

Complaint narrative:
Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX, XXXX, equifax XXXX XXXX XXXX, XXXX, equifax XXXX XXXX BANK XXXX EQUIFAX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/22, I ordered a {$200.00} gift card via Chase Bank by using the rewards points I had earned on my Chase Freedom Unlimited Credit Card. Though I received confirmation from Chase on XX/XX/22 that the gift card shipped, it was subsequently never delivered to me ( it was likely either lost or stolen while in transit ). I have contacted Chase customer service repeatedly in order to remedy this issue and receive a new card, including by calling their customer service agents 5 times. Though I was initially informed by a Chase agent that a replacement gift card would be sent to me, when I called back a week later to inquire about the gift cards status, I was told that the only action the agents can take is to escalate the case and that no more assistance could be provided to me. I have yet to receive the gift card that I paid with for my points over a month ago, and Chase has never reached out to me to inquire or attempt to resolve my issue. From my stance, I effectively bought an item from Chase, and Chase now refuses to provide me with my item, while holding onto the funds I used to purchase the item for 30+ days. I demand expedited delivery from my gift card, and I hope that bringing this matter to the attention of the CFPB will finally push Chase to resolve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX my tax return was deposited into cash app, I went to send to my husband and they locked my account, according to them for 48 hours, I have reached out to support countless times for them to tell me they have no information it's now been almost 4 days. I have had no money thanks to this and they had ruined mine ans my kids vacation. I have tried reaching out on XXXX messenger as well and they told me 3 times they sent me a email they never sent me. The day of my deposit I swapped from XXXX to XXXX I do not know if it flagged me for using a different device but ifthdy would have asked I would have said that. This is totally crazy. All I want is my tax money that's locked and to never use this app again. No one should be worried and have to walk on eggshells over an app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: I.C. System, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, I contacted XXXX ( XXXX ) to provide internet services at my new address. With a XXXX agent, I initiated services via a phone conversation. Only when trying to activate the internet modem did XXXX XXXX services come up on my computer ( NOT XXXX ). In short, XXXX could not activate the internet modem as XXXX already had control of the line ( from a previous tenant ). At that point, I cancelled all services with XXXX. I then contacted XXXX to switch existing internet services. At no point did I have access or use XXXX internet services or receive any equipment from XXXX. 

In late XX/XX/XXXX, I received a bill from XXXX in the mail stating that I owed {$50.00}. There was not line item to justify this billing amount, or explanation for why they stated that I needed to pay them {$50.00}. I immediately contacted XXXX, who apologized and issued me a credit. I never received an explanation for why I was billed for {$50.00}. I told them that this was fraud to bill me when I never received or used services and the bill contained no line item expense for the {$50.00} amount. I received a {$50.00} account credit ( proof via e-mail ). 

In early XX/XX/XXXX, I received a bill from I.C. Systems ( a debt collector ) informing me that they were attempting to collect a {$50.00} debt on behalf of XXXX. This statement told me that I had a " Total amount of the debt now : {$50.00} '' I am being fraudulently billed and harassed by XXXX ( XXXX ) and/or its agents. I ask for the CFPB 's help dealing with this matter, as a debt collector has contacted me.

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 2022-03-06 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I placed an order with XXXX on XX/XX/2021 through their website in XXXX as we were vacationing in XXXX at the time. The order was immediately cancelled after being placed realizing that the shipping address being displaced on the order half in XXXXh and half in XXXX. I have provided the financial institution with copies of the orders cancelled with XXXX, and a letter explaining in detail how the situation occurred. I also made multiple attempts to contact Amazon.com/mex to no avail. XXXXx claims they did not receive any money for the order in question, therefore, there is no credit to process. 
After contacting the financial institution regarding this problem, they issued a provisional credit to my credit card. However, that credit card charge was then reversed and I was billed again for items that were never shipped to me on an order I cancelled immediately after being placed. I also made the financial institution aware that, there are no tracking numbers showing that the order was shipped. XXXX did not provide any items for the money they are billing me, therefore it is an unauthorized charge. The total charges are for {$140.00}.

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 2022-03-06 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: CITIBANK, N.A.
State: PA

Complaint narrative:
In 2018 I opened a secured Citi credit card. The original contract was 18 months and it was a {$200.00} deposit. At the end of my contract they sent me a letter they were not unsecuring my card and making me wait another year. A year later they sent me the same letter. I attempted to mitigate through the XXXX  but the executive office of the CEO of Citi told me not only will they not unsecure my card but they will not give me my deposit back unless I close the card. I have a reoccurring charge on this card that is paid every month now for almost half a decade. I have never missed a payment. My XXXX currently is XXXX. I have no secured cards. I have credit limits topping out at {$10000.00} and I make over {$110000.00} a year. Even more strange, I have another card with them that is not secured and has a {$2000.00} credit limit! 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 2022-03-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The company 's response to CFPB case # XXXX is misleading and inaccurate as the dispute filed with Equifax ( XXXX # XXXX ) on XX/XX/XXXX was concluded on XX/XX/XXXX and despite all of the payments being reported as " ON TIME, '' they are STILL reporting the account was XXXX days past due, which is inaccurate given all of the other information. This inaccurate information is NOT still under dispute as the company 's reply indicates in their response to the CFPB case mentioned above. Attached is proof of that dispute from Equifax. The information was updated to include the DATE CLOSED as XX/XX/XXXX, but the DATE OF 1ST DELINQUENCY shows as XX/XX/XXXX. It is not possible to have an account become delinquent AFTER it is closed. They are also reporting that the XX/XX/XXXX ACTUAL PAYMENT AMOUNT was {$640.00} while also reporting that the DATE OF LAST PAYMENT was XX/XX/XXXX for {$41000.00}. Everything about this account is contradictory as it is being reported. It is clear that the information is incorrect, and it is adversely affecting not only my actual credit score, but my ability to close on the refinance of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I went into a local CitiBank branch and opened a checking and savings account based on some promotional offers being offered by the bank. About 30 days later my checking account was frozen but the savings accounts were left as normal. 

As of 2 weeks later my checking account is still frozen due to their fraud prevention department flagging the account a fraud and not allow me access to the monies deposited. I have not received any communications as to why my account was frozen. I went into the same branch again to retrieve my funds, was only able to access my savings accounts but the checking is blocked. 

Where is my deposited monies.

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 2022-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is calling me and my mother who is the co signer on my private student loans. They call all hours of the day and sometimes pst XXXX or XXXX. They call more then 20 times a day sometimes. I am having problems paying each month my payments are XXXX a month and I can not afford that with all my living expenses. I have explained this and they said there is nothing they can do. My mother is on a fixed income and is XXXX XXXX XXXX. They harass her and call so much. If I can get her off the loan I would. They also ask her to pay and tell her if I dont pay they can take away her house. I asked them Politely not to call her so much and they said they have to but that much. They also call me that many times in a row sometimes too all hours of the day and night sometimes after XXXX pm. I would pay if I could but I cant afford it

Company response to consumer: Closed with explanation