vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Prime Choice Funding Inc.
State: CA

Complaint narrative:
We are filing a complaint against prime choice funding Inc. because we did a refinance with through their company in XX/XX/XXXX, at the time of the refinancing we were told that we would did not have to make a payment for exactly 2 months. We did not get the two full months without payments. Also we were never asked did we want an escrow account in our refinance. If we had of been asked, we would have definitely said no. We were charged up front in the refinance for an amount of escrow for homeowners insurance for 9 months of {$100.00} for a total amount of {$940.00}. Then we were charged for property taxes of {$620.00} for 4 months for a total amount of {$2500.00}. All this is in the Closing cost details. We were also charged an additional monthly amount in an escrow account for both the homeowners insurance and property taxes in the amount of {$730.00}, starting XXXX. When this was very unnecessary. We never wanted an escrow impound account, we were never asked did we want it or not. It was just placed there for the companies to make money. We do not need any company whatsoever to pay our bills that we can pay ourselves without any interest added. Paying the company directly is fine with us because there is no interest attached. 
and paying our property taxes when they are due is fine. This company prime choice funding Inc. knew exactly what illegal things they were doing and why they were doing it. They lied to us and told us our loan would be through them. And then they transferred it to freedom mortgage to continue their fraud acts of collecting money in an escrow account for homeowners insurance and property taxes. We are also filing a complaint against that company also, who refuses to close this impounded escrow account when we have asked for it to be done in writing and the homeowners insurance is fully paid through XX/XX/XXXX. So we do not need to give the mortgage company another penny. They also have the more than enough in our escrow account to pay our property taxes due in XX/XX/XXXX. We have already informed that company to make that payment and refund whatever is left and close that account, because we do not need it or want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In regards to acct number XXXX. The Original contract details from Regional acceptance were for {$27000.00} with a finance charge of XXXX at an interest rate of 17.95 % at terms of 72 months.. XXXX XXXX , happily sent a list of payments on the XXXX XXXX XXXX XXXX Total of payments made is {$30000.00}. The total of interest payments made was {$16000.00} and currently the interest rate is now 17.97 %. Regional has repossessed a vehicle that has been paid off for months. They are also claiming That {$3300.00} with a repo fee of {$4300.00} is still left on the account. The vehicle was repossessed on XX/XX/XXXX. The last payment sent to Regional was XX/XX/XXXX. The car has been paid off for months and I should have had possession of the title. The car has been auctioned off. Not only am I out {$30000.00} dollars, but I do not even have the vehicle.

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 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX I applied online and was approved for the XXXX XXXX " XXXX XXXX  XXXX '' issued by Barclaycard US XXXX Barclays Bank, Delaware ), As you can see in the attached scan of a Barclaycard handout ( one of severaI collected on XXXX XXXX flights over the past months ), I was promised the first-year membership free. 

As directed, I entered the handwritten code on the card application website, so my flight attendant would get her reward for the sale. 

Yet, on my account ( also attached ) I was billed a {$99.00} first year membership fee, and on 3 separate calls to Barclaycard US the most recent on XX/XX/XXXX I was unable to get the fee reversed. 

Most astoundingly, the Barclays agents all insisted it was my fault. They told me I must have responded to an ad that did not feature the fee waiver. I understand that they recently had two sets of ads running -- one with and one without the fee waiver offer, which is a recipe for confusion -- but I am 100 % certain I used the offer on the attached ad, and followed instructions on the webpage indicated. 

Approximately XXXX year ago, my son had the same thing happen with him when obtaining a XXXX XXXX credit card. Unlike me, however, my son was able to get the fee reversed after several complaints to the bank. 

I believe this represents a pattern of promotional " errors '' at Barclaycard US, and I would hazard a guess that the majority of them are in the bank 's favor. CFPB should investigate as Barclaycard is in the midst of a marketing blitz promoting co-branded cards with XXXX, JetBlue, XXXX and other travel providers,

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am currently outside of the country right now, which is why I am not able to go in person to the Bank of America branch to speak to them directly. However, on the phone they are no help. It seems like we get to a dead end each time. This is what happened. 

Back in XXXX, I was checking my email, when I saw my " sent '' outbox included an email to XXXX customer support. It said to change my phone number associated with that account. However, I never sent that email. Someone hacked into my email, and was able to gain access to my XXXX brokerage account and change my password and phone numbers associated with the accounts. From there, the hacker proceeded to withdraw {$16000.00} from my bank account, which was linked to my bank of america checkings account. This was done over the span of 4 months, starting in XXXX. I never noticed the funds being removed from my account, as they were done over time. I only caught it after I saw that email on XXXX XXXX, 2021. I have started a fraud claim with my bank, and have contacted XXXX  to shut down my brokerage account completley. My checkings account is also frozen, as I requested it after this incident. I have not authorized a transfer of funds to XXXX since XXXX of 2021. 

The bank refunded me a temporary credit. As it was fraud, I trusted in the bank 's abilities to handle it with the merchant, XXXX. However, XXXX was uncooperative and their " results '' yielded nothing. Months later, in XXXX, Bank of America wants me to return the money THAT WAS STOLEN FROM ME back to them. I am insured up to {$100000.00} in Bank of America 's debit card/account system. So they locked my accounts, set me to - $ XXXX and told me to pay up or else they would give my info to a debt collector. I tried to talk to them on the phone and explain that it was FRAUD and my money the money they credited me has already been used. Not only is this wrong. It will negatively affect my credit score, and I have a debt collector contacting me now. I also do not have any money to pay them back for the money that was stolen from me. It should not have been a disputed claim. It should have been directly FRAUD. I want the debts removed. They have already closed my account with them. I also field an Internet File complain center report, as the hacker 's IP, phone number, as well as the emails he or she had with XXXX to allow them to get access to my account are all in the file. XXXX has been usless. So the bank thinks i owe them now. I contacted XXXX. Inconclusive.

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX called Midland Funding to pay I asked representative if they can send me copy of a report specify where these charges come from late fees Service charge and the representative Informed me its been a very long time for this account to be opened and I shouldnt be asking any type of questions I should just be paying for this account and they were going to be taking me to court and that they were going to send somebody to arrest me and garnishing my XXXX XXXX benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the accounts : -XXXX XXXX  # XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the accounts : -XXXX XXXX  # XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This is in reference to my Apple credit card. I asked Goldman Sachs to change either the statement closing date or the payment due date and they refused. They said '' that's just the way it is. '' The statements are printed on the first day of the month and the payments are due on the last day of the month. I do not recall being advised of this stringent policy when I applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the accounts : -XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX # XXXX -XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX  # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX -SXXXX 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 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I used to have XXXX Internet service about XXXX year ago. I cancelled the bad service for a better one. I called and spoke to a representative in order to cancel, once we were done I asked what I should do with the modem to which the representative told me I could either throw it away or return it but the modem was outdated and they no longer needed it. I just put it aside but did not throw it away. I am now being contacted by a debt collector for {$75.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc
State: IL

Complaint narrative:
Eastpoint Recovery Group , Inc sent a deceptive and false letter attempting to collect an alleged debt. The alleged debt has not been verified nor has it been validated. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by Eastpoint Recovery Group , Inc fall under UCC 9-110 under Article 2 or 2A?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Verisk Analytics Inc
State: FL

Complaint narrative:
XXXX that report bankruptcy to XXXX stations that they veify a bankruptcy thats incorrect courts dont verify anything with vendor also what they have from me to report that XXXX XXXX XXXX XXXX  deleted is just XXXX an XXXX but XXXX is tge one that give the information to them an this is causing loose money an pay for higher interest for theft mistakes an reporting that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was reviewing my credit report and this account from XXXX XXXX XXXX, XXXX is unfamiliar to me. I don't know this account and I have filed an FTC report and I will attach it here.

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 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: MD

Complaint narrative:
Looking to refinance my primary mortgage, so applied on XXXX website, as part of the process by creating an application. 

After deciding to move forward with another lender, I decided to withdraw my XXXX application. However, there are no tools on their webpage that enables a consumer to withdraw their application. 

XXXX XXXX about this and they indicated that they will rather withdraw on their end. 

This makes consumers vulnerable to XXXX and I think that is a predatory/UDAAP practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PAYPAL, XXXX XXXX I STILL HAVING PROBLEM FOR WITDRAW MY MONEY. 
WHEN I CALLE FOR GET HELP, NOBODY WANT HELP ME, NOBODY KNOW HOW TO HELP ME. 

I DONT UNDERSTAND WHY MADE THIS SITUATION DIFICULT TO GET THE MONEY OUT. 

JUST MADE THE WITHDRAW TO MY DEBIT CARD END XXXX. 

PLEASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: MS

Complaint narrative:
I have tried getting this issue resolved with Equifax. I have spoken to the fraud team several times and they are not complying with my request. Under the FCRA anything fraud or unauthorized must be deleted from your credit reports immediately. THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I have a Milestone Mastercard. I make the payments on time, every month. In XX/XX/2021 I made a payment, then attempted to use the card a few days later. The purchase did not exceed my available credit, but the sale was declined. 

I logged onto the Milestone site, to check my account, and discovered that my most recent payment had been processed, I should have had credit available, but my available credit was listed at zero. 

I called their customer service. I was placed on a lengthy, lengthy hold- before finally speaking to someone. I described the issue and was told that I'd have to speak a supervisor. Another lengthy hold. At this point I've been on the phone for a 1/2 hour. 

The supervisor tells me that they'd spotted a fraudulent charge on the account, and frozen my credit. It wasn't a fraudulent charge, it was a regular recurring charge ( which had gone through previously ). The supervisor assured me that they'd send and email to the fraud department, and the account would be unfrozen within 3 business days. 

Three business days later, the credit was still frozen. I contacted XXXX customer service again, this time I was informed that no email was ever sent to the fraud department and it'd be another week or so before the account was unfrozen. 

It took a good portion of the month, and several lengthy phone calls to get XXXX to correct the mistake they made. The various supervisors I spoke to during this process assured me it wouldn't happen again. 

On XX/XX/2021, I made another payment, was preparing to make a purchase, but discovered the account had been frozen again. 

This time there was a twist, when I tried to call customer service ( XXXX ) XXXX, there was a recording stating that number was not accepting calls. There was no chat function, and no email address. It was as if they'd deliberately tried to make it difficult to contact them, and thereby never provide customer service. 

I had to XXXX an alternative, obscure contact number for their customer service. After another lengthy hold, another conversation with a customer service rep, followed by another hold - I spoke to a supervisor who informed me that XXXX had done the exact same thing they'd done in XXXX and sworn they'd never do again. Again I was informed by the supervisor they'd contact the Fraud department, and the account would be unfrozen within 24 hours. 

They had no answers to my questions about why it was virtually impossible to contact them directly. 

I spend more time battling with XXXX, getting them to unfreeze my account, than I do actually using the card. It's difficult to use the card, difficult to use the credit and they make it nearly impossible to contact them. This doesn't seem like an ethically run business or ethical financial institution.

Company response to consumer: Closed with explanation