vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello, I contacted Penfed ( Pentagon Federal Credit Union ) credit union early XX/XX/2021 for a refinance on an existing VA loan to lower the interest rate and payments on the existing loan. 

I was incline to take a Interest Rate Reduction Refinance Loan ( IRRRL ) with the Credit Union for two reasons ; 1. I was already a member and 2. The Rate Quote and the no closing cost. 

During the process I was told about closing cost .. and I usually corrected them with I believe there are no closing cost, and I was told ; by the refinance agent right " no closing cost ''. 

As the date came closer to the closing date I saw closing documents that had closing cost from {$1100.00} to {$45.00} and again I asked the loan agent, I have not been told about closing cost, nor did I ask to roll over any closing cost into the refinanced amount. I was again reassured that there would be no closing cost. The closing documents were corrected and it came down to closing cost, which came out to be {$45.00}. 
This refinance will create income for the Credit Union just by collecting the interest from the new loan. So I could see the Credit Union not having Closing Cost.

My complaint is that at anytime the agents could have said, there are closing cost but it was not straight forward and that is the complaint. I pushed hard for no closing and I reviewed the closing statement very carefully, and would bring the issue of No Closing Cost at every bend of the refinancing process. The document attached lead me to believe there would be no closing cost and even with all the disclaimers on it I went ahead with the processing of refinancing our VA loan, the credit union agent could have said anywhere in the processes there is going to be closing cost, and they didn't. 

Either I was lucky, or I pushed enough and as a result we only had {$45.00} in closing cost. Perhaps others can benefit from knowing this.

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 2021-07-19 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: VA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$190.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am not liable for this debt with NATIONAL CREDIT ADJUST plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
i attempted to pay my bill online and was unable to do so. when i contacted the company they said my account had a " temporary restriction to protect my account ''. When i ask why, they are unable to explain what threat they are trying to address. i have had to speak to multiple people, all of whom i are requesting my confidential information. i am concerned that my account was compromised and as a result i am being treated in the same manner as if a fraud occurred.

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 2021-07-19 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: GA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I attached the email that I received this morning. 

Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I was on the telephone regarding a refund on an item I never received. I noticed at the top of my telephone, many numbers and began to feel uncomfortable with the line of question the person was asking so I promptly hung up. I then went about my daily checklist on my phone and opened the Bank of America XXXX and to my horror {$1.00}, XXXX had been taken out of my checking account by an unknown person to me by a XXXX transaction to XXXX Conf. # XXXX. I called and spoke to a Bank of America customer service person and a claim for scam was filed. I called again to get a progress report and that I would be notified. During a conversation with the representative, I realized that it should have been a Fraud report as I had not authorized the transaction. I explained that it was all the money that I had and had been scrimping to save it as I wanted to go home to be near my children and grandchildren as I am elderly and XXXX and live all alone with no support or help in an emergency. The following day, an additional {$310.00} was taken out again using an ATM again by someone unknown to me. I was given a temporary credit and apparently the person was located because this amount became permanent. 
I contacted Bank of America again on XX/XX/XXXX only to be told that they could not find any fraud complaint on my behalf. I then filed another fraud complaint on the XXXX of XXXX with XXXX representatives, XXXX from Texas and the other from Maryland. 
On XX/XX/2021, Once again I called and once again I had to file another fraud complaint as the one filed on the XXXX on the month of XXXX also could not be found. 
This new fraud complaint is # XXXX. That was the last time that I contacted Bank of America as this has all affected my health very, very badly. I need help, someone to speak and fight this on my behalf. I will be XXXX years old in two months and have very serious health issues. I feel as the bank is protecting the bank and what may seem a small amount of money is my entire savings and ultimately my way of going back home. Without this money, I am lost and will have to remain living alone and in misery. 
Please know that I appreciate anything that you can do to help me. My daughter in law had the exact thing happen to her and she too was with Bank of America but you managed to get her money back for her. This is why I am turning to you. I am just too tired and too sick to fight anymore. 
Thank you, 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 monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
I have contacted Hillcrest Credit ANG regarding this matter. This agency has made false report on my credit and also continues to make harassing phone calls all day long. I have informed this debt is not mine and they have made zero attempt to do an investigation. I have never been a patient of XXXX XXXX XXXX. I have Health insurance that i would use for doctors visits IF I needed to go!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have reason to believe, and do so believe, that this organization did not loan me anything and I do not have any alleged debt with Capital One. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. As pursuant to 12 USC 1431 ( a ). The power and duties of banks is to be a borrower. I have reason to believe, and do so believe, that Capital One used my credit card to get a loan, and pursuant to 15 USC 1692j ( a ) created and furnished a deceptive form in the attempt to make me the consumer think I got a loan. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response my mail. Capital One has continued to report on my consumer credit report during this time, as well as attempt to communicate with me via telephone or email to collect upon the alleged debt with no regard for federal law nor my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/2021, the attached letter was sent to TransUnion. The letter indicates a dispute which has since been resolved with the original creditor and a request for a freeze. On XX/XX/2021, an inquiry appeared on my TransUnion report despite my request for a freeze and sufficient verification. TransUnion has violated FCRA by not honoring my freeze request when XXXX  and XXXX did.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Call date/time : XX/XX/XXXX, XXXX XXXX The caller ID shows " Cavalry ''. The phone number was XXXX ( call back number is the same with extension XXXX per voice mail ). 

A female voice ( name is XXXX XXXX ( sp.? ) stated she needed help locating " XXXX XXXX ( sp.? ) ''. There is no XXXX XXXX at this phone number or our home address ( my wife has lived here since XXXX ). We do not know any XXXX XXXX. 

We are also on the Federal Do Not Call Registry with this number. 

I am aware of at least one other call from this company, perhaps six months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2021, I chatting with American Express, chat ID XXXX to close my XXXX XXXX XXXX card ending in XXXX. I confirmed with XXXX, the representative, many times that I was canceling this card and I agreed to the disclosure he sent which clearly stated XXXX XXXX XXXX card ending in XXXX. Minutes later, I received a cancellation email and to my surprise, XXXX canceled the wrong card. He canceled my XXXXXXXX XXXX card ending in XXXX which I opened 2 months ago. I chated again, Chat ID XXXX, this time with XXXX, he submitted a request to re-open my XXXX XXXX Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: WA

Complaint narrative:
I have initiated the Refinancing process on XX/XX/2021 with Everett Financial Inc. DBA Supreme Lending. 
The initial Loan Estimate doc where the Interest Rate was 2.75 % ( 30 year fixed ) After five months, they have sent another Loan Estimate doc where the interest rate was changed to 3.25 % ( 30 year fixed ) and the estimated closing costs were {$21000.00} After another two weeks, they have sent another doc, Closing Disclosure where the interest rate was 3.25 % ( 30 year fixed ) but the closing costs were bumped to {$25000.00}, an increase of {$4400.00}.

On the attached docs, one can see the discrepancies between the second Loan Estimate document and the Closing Disclosure document : 1-the origination fee was changed from 0.873 % to 1.027 % 2-the appraisal fee was changed from {$960.00} to {$1400.00} ... a {$450.00} increase Besides the fact that this was dragging for seven months, without any clear communications, the final disclosures showed that this Brokerage firm is taking advantage of its customers ... a predatory, aggressive approach.

Not sure how these guys are even licensed to run such a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There is an unauthorized inquiry on my credit report from American Express on or around XX/XX/2019. I did not give American Express permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 I received a letter dated as of XX/XX/2021 informing me that due to a recent review, Citibank decided to close my checking account. They also mentioned that the account will be closed on XX/XX/2021 but my debit card will be canceled 5 days before that. 

They provided a phone number, so I called to ask why, without any response, they asked me to go to a branch and they would help me out. At the branch they told me they couldn't help because the account was already submitted to be closed. I called to the number they provided and told them that branch couldn't help so they gave me a number and a name of the person who made the decision to close. I've been trying to reach out to this person to ask her about the details of why they decided to close my account, without any success. I've been calling everyday since, leaving voicemail with my information, and never received a call back. 

Last Friday when I called customer service again to explain that I couldn't communicate with the person in charge of the decision, they suggested to go to a branch again since they would be able to help me start a cancellation process. So today, I went to a branch and spoke to an executive, she confirmed that there's nothing else to be done and that the decision has been made. She mentioned two important things in regards of the closing process : 1. Excessive flow of cash.

2. Business activity in a personal account. 

I asked her how much is excessive and she couldn't give me more details in regards of the amount nor the activity that is causing the closure. 

In the end, they are going to proceed with the closure of my account and I still don't know why. I use this account to send money to XXXX for personal expenses that I make on a regular basis ( as lots of people do ). I've been doing this for the last 10 years without any problem and suddenly they decided to close it and no one can give me a straight answer on what I did wrong. 

Also, worth to mention that the treatment that I received, from the executives I talked to in the branches, was very unkind, as if I were doing some sort of criminal activities and they wouldn't want to share any details with me. They just saw the letter and changed their attitude towards 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 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Called Med Data Sys on XX/XX/15 to pay a balance they claimed I owe. I requested that the debt be deleted from my report once paid, the agent I spoke to XXXX ( ph XXXX x XXXX ) and she advised that they would delete it from my file. I paid the outstanding balance in full of nearly {$4000.00}. I called back to confirm that this had been requested and was advised that " they do not do that. '' I asked if calls were recorded, I was advised they were. I asked if the call could be pulled. XXXX ( ph XXXX x XXXX ) advised they are not doing that. 
I was mislead and lied to.

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