vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
As always each month, I make a transfer of interest earned on my savings account to my checking account to help me pay my monthly bills. I am a retiree and I am on a fixed income. 

When I entered my account access credentials as usual, I was frozen out of my account at Synchrony Bank and told to call a number at the Bank. 

When I spoke to the customer service agent, and after answering several questions to verify my identity, she verified that the username and password I used to gain access WERE CORRECT! I also told her that every device I used to gain access to my account resulted in the same account blocking result. 

When I asked to have the problem resolved over the phone, she told me no. Her manager, for whom i waited over 35 minutes on the phone, XXXX XXXX also refused to help resolve the problem over the phone. Then his manager, XXXX XXXX, also refused to help me resolve the access problem while I was on the phone. 

Instead I was told I would not have any online access to my account while the bank took 5-7 business days to " investigate the problem. '' Surely, freezing my account without a court order violates one of the many Bank Regs that exist and I am indignant that they can get away with this. 

Please censure this bank, the individuals named above, and demand that they explain in an apology letter to me what happened, how it happened and what needs to occur so that I am not illegitimately denied online access to my funds again.

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 2021-06-07 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: Southwest Acceptance Finance Co
State: FL

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: CT

Complaint narrative:
While applying for a mortgage, my lender attempted to verify the deposits in my account. They were told that I needed to request the verification myself. 

When I called, I was told they would not help me. Instead, they wanted to know my rate and said they could get me a better mortgage. When I asked to speak with the manager, she said she was the manager. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX It is my understanding that my bank is required to provide me a verification of deposit upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: ID

Complaint narrative:
I XXXX XXXX a federally protected consumer was sent a collection notice from MRS BPO LLC on XXXX XXXX. MRS BPO LLC has violated federal law when they sent a bill to my home saying that I owed them {$8600.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ). 
There was no proof in the letter that said alleged debt was owed, just some nonsense about XXXX XXXX XXXX, XXXX being the creditor, with no factual evidence to back it up. Is this identify theft? What grounds do you have to contact me and say I owe you money?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This was a mortgage refinance. I submitted payment to CIT bank on XX/XX/21 to the address provided and with the attached stub provided. The payment was cashed on XX/XX/21 ( but the stamp endorsement on the back shows a XXXX XXXX XXXX account number ). As of XX/XX/21 my mortgage account shows no payment has been received. I called the number for the bank ( CIT bank ), and the guy that answered stated that he works for " XXXX '' which does servicing for the bank. He stated that he could only confirm that no payment was received. He stated multiple times that he does not work for CIT bank, and he offered to transfer me to a number for CIT bank, which led to a circular automated system, which eventually hung up on me. I could not get a human being from CIT bank on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had certificate of deposit and money market accounts with CapitalOne. 

For filing my taxes, i needed 1099 INT form from the bank since i didnt recieve the hard copy on the mail. 
The online problem is now showing any statements even though i earned interest income. 

I called in their customer service. management teams several but it seems they an issue going on with their system leading of No tax statements generated online. 

Even after several escalations, the problem persists. This is serious as I am unable to file my taxes accurately & report this income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: Kashable LLC
State: MI

Complaint narrative:
I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671 days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Sent two emails in XX/XX/2021 to XXXX advising them of an address change, never heard a reply back from Nelnet. Spoke to XXXX at Nelnet on XX/XX/2021, he advised that they have two different systems, I provided him the updated address which is : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. 

Please confirm that this is the address that I will be mailed the post discharge monitoring form. Also, please confirm that I am in the final year of the post discharge monitoring period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Opened an account with Bank of America. Funded it with just over {$1000.00}. They closed it a couple of weeks later. They say they sent a check in XXXX, but i never received it. Now they are saying I have to wait 120 days for them to reissue me a new check. I didn't even want the account closed.

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 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/21, I received a TD Bank debit card in mail. I know I did not apply for one. Several months ago, I identified a claim for NJ Unemployment benefits opened in my name ; so this may stem from that. I called TD bank who stated there already was a block on the card so no one can use it, and my complaint that this account was opened fraudulently may speed up their investigation. i was told the card can not be used and my the account opened in my name was notated of the possible fraud. TD bank directed me to contact the FTC regarding this breech.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: Porania, LLC
State: FL

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

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 2021-06-07 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: TX

Complaint narrative:
I have unauthorized inquiries from several companies XXXX XX/XX/2021, XXXX XX/XX/2021, and XXXX XXXX XX/XX/2021. I did not authorize these inquiries and they are greatly affecting me and will affect my immediate future. I'd like to have these inquiries deleted from my credit report ASAP. I hope that is something that you could help with because I really feel like I'm being ignored and taken for granted.

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 2021-06-07 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: NV

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts 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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of ID Theft since 2013 IRS, for the past year and a half I have also had to change my bank cards which is an awful inconvenience for me when paying my bills. I contacted the credit bureaus and the companies involved and ask for them to remove all negative items from my credit file. I mailed a copy of a police report to all of the companies and I am waiting for their responses besides actions. XXXX XXXX was excellent and responded immediately. I am waiting for Experian and XXXX besides the companies which I spoke with explaining my situation.

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 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CLEARING CORPORATION
State: OK

Complaint narrative:
Please reference my previous complaint previous complaint number is XXXX I am still having the exact same issue as in the first complaint, Mortgage Clearing is not applying my extra mortgage principal payment in time, or properly. 

After my first complaint they complied for awhile, now they are back to the same old thing, not applying our extra principal payment on time. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: MD

Complaint narrative:
In XXXX of 2021, I started the refinance process with XXXX XXXX at New American Funding. To date, he is replied to only 3 of my emails and answered only 4 of my calls. All others have been unanswered. I have reached out to his manager and also have been ignored. Our loan number is XXXX He pulled our case number too soon and therefore, our refinance was in limbo. Due to his error, XXXX is telling us we need to pay for the extension which we will not do since it was his error. New American Funding needs to pay for the extensions. 

I have requested to be transferred to another loan officer and my requests have been ignored. I have reported to corporate and only then has XXXX reached out to me. I have requested to corporate that they pay for our extension only to be told they need XXXX 's manager to approve who has ignored us as well. 

XXXX, his manager, and New American Funding have failed to provide adequate communication regarding our refinance and have blatantly " ghosted '' use for the past 3-4 months with minimal to no updates about the progress of our loan. 

New American needs to pay for the extension since it was their employee 's fault and to even think the customer should pay for their employee 's error is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I have made several attempts to contact each and every company after someone applied for credit using my social security number with the following companies. I noticed unauthorized inquiries on my credit report. 
Tower Loan XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And a auto loan was applied for through several different lenders on 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 explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc.
State: TX

Complaint narrative:
I have been frequently called regarding a debt address to an individual by the name of XXXX XXXX over the last several months starting in XXXX. I have called back several times to disclose to Valentine & Kebartas that I am not the individual whom they are calling about. They often use spoofed local numbers to bypass my scam call detector from XXXX. The frequency which they call me is every two weeks on Monday. To date they have not removed my number despite my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX  XXXX/ XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX/ XXXX, and XX/XX/XXXX XXXX checked my credit but no services was extended inquiries shouldn't be furnished on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: DE

Complaint narrative:
I have seen multiple credit inquiries on my Transunion and XXXX credit file. I have a credit freeze in addition to fraud alert, but unfortunately, the bureaus refused to remove them, stating they believe the inquiries are legal and legitimate without question.

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 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I received a letter from Activate Financial in XX/XX/2021 advising of a debt owed from the original creditor, XXXX XXXX. I responded to the letter within the required 30 days and requested that the company validate the debt. My letter requesting validation was received by Activate Financial on XX/XX/2021 via USPS tracking number XXXX. The company did NOT validate the debt. There was no response to my letter. The company just recently mailed me a settlement letter dated XX/XX/2021. My validation request letter clearly stated that if the company does not validate the debt within 30 days, then all attempts to collect the debt must cease. The settlement letter is against the Fair Debt Collections Practices Act as the company did NOT validate the debt within the required 30 days from when they received validation request letter on XX/XX/2021. I am filing this complaint with the CFPB. I am also pursing the issue legally with an attorney. Documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I received a letter in the mail on XX/XX/2021 i didnt recognize the account they were referencing. I called to find out the first woman stated that my account couldnt be serviced and that she couldnt access any information on it, but they sent me letter which was confusing she transfers me to a male who not only was rude but after having asked for my name then provided me with my own date of birth and last 4 of ssn vs asking me to verify it for him and when i asked why he did that vs having me verify he replied with let me transfer you to a supervisor for help because i dont have time and before i could say anything i was transferred to a woman named XXXX who again wanted to tell me what my information instead of confirming who i am before sharing information all i wanted was an explanation to the account and instead i got passed off to osmeone else every time and when i tried to tell the supervisor about the prev reps she was so set on compliance and getting me to say something verbatim she didnt carea bout how i was treated by her agents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diaz & Associates, Inc.
State: VA

Complaint narrative:
This company reported a collection on my credit report without first notifying me via USPS that a collection was pending. I do NOT have any back debt. I do NOT owe anyone for this debt. 

o Im the victim of identity theft, I have my reports frozen, I am listed with the FTC as a victim of identity fraud, and I do not recognize this account. 
o I want this account immediately removed from my report. 

This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires prior notification to the consumer in case the debt information is not correct. 

I keep my credit reports frozen for solely this reason and keep a very good eye on the reports. I have been a victim of credit/identity theft for years.

Company response to consumer: Closed with explanation