vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac Loan Services , LLC owes my husband and I an escrow balance check in the amount of {$730.00}. This check was suppose to arrive in XXXX of XXXX, due to it being initiated on XX/XX/XXXX and it was originally given 3 weeks to arrive. I attempted to contact Penny Mac many times in XXXX & XXXX, to constantly busy phone lines. I was able to speak to a Penny Mac representative, in XXXX of XXXX, who " resent '' the check, and was told to wait another 5-6 weeks. The check still has not arrived and the formal complaint section on the Penny Mac website never actually submits a complaint, instead it produces an error message " unable to submit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: LEXISNEXIS
State: NY

Complaint narrative:
Hello, i have sent letters to lexisnexis, asking them to remove a bankruptsy, that they have on file, by which they never obtained a wet signature or permissed to report on their files. I have asked them 3 times and remove, and they still not not acted on my request. I sent the letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All 3 times they have not removed the inaccurate bankruptsy from their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My bank, America First Credit Union is preventing me from receiving the PPP loan that I received from an outside vendor. My bank kicks the funds back without cause. My bank states that in order to receive my PPP loan that I have to have a business account in their system. The Small Business Administration approved my loan without me having a business account. My bank has overstepped. My bank does not have the authority to prevent me from receiving my PPP loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, am writing this pre-trial letter as a last and final attempt to settle the matter of my PayPal Account Funds My account was permanently limited in XX/XX/XXXX, After that I was ensured by PayPals Office of Executive Escalations Representatives ( XXXX and XXXX XXXX that I will have my funds available to withdraw by XXXX XXXX, XXXX. 

On XX/XX/XXXX, My funds, approximately XXXX CAD were transferred to PayPal itself for undefined damages caused by supposedly violating its acceptable use policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: ERC
State: TX

Complaint narrative:
When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2021 there was an unauthorized {$1000.00} withdrawal made from my Navy Federal Checking account and transferred to an unknown account with XXXX. The credit union said that someone accessed my account using username/password and the funds were transferred to an external account. To setup transfers to external accounts the credit union required that I verify small deposits before I could transfer money out of the account. The only external account I have with the credit union is with XXXX XXXX and I had alerts set up whenever there is a transfer greater than {$100.00}, none of the alerts worked. I don't have but 2 devices that are authorized in my account and I checked both for malware and viruses with software suggested by the credit union and both came back clean. They promised me that my funds would be available pending an investigation, I was never contacted by the credit union and when I called back all they said was that the claim was denied and I would be getting a letter. I had reported this unauthorized withdrawal while it was still pending and the credit union failed to stop such funds from going out. I had no other devices that were authorized to login to my account, I reported the problem the same day it occurred, my accounts were closed and new ones were opened with the remaining funds. This was my mortgage payment that was stolen from me and I feel cheated. The credit union failed to keep their systems secured and now I've become a victim of their lapse in security. I have no access to the statement or any proof to where the money was transferred. When the old accounts were closed every evidence I could use was deleted. Almost as if to delete any proof and to deny me access to documentation about who or where my money was transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
I HAVE SUBMITTED MULTIPLE ROUNDS OF DISPUTES, SPEND TONS OF MONEY TO ENSURE THE FRAUDULENT ACCOUNTS ON MY CREDIT ARE REMOVED, UNFORTUNATELY THEY HAVE NOT BEEN REMOVED. PURSUANT TO FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a XXXX Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE PROVIDED ALL THIS INFORMATION EVERY DISPUTE, WITH ZERO RESULTS. I WILL BE GETTING A LEGAL ATTORNEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Closed an acct. at comenity capital bank for credit card. Paid it in full that day. They keep harassing and sending me bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: D&A Services, LLC
State: KY

Complaint narrative:
D & A Services, XXXX XXXX, Illinois sent us a collection notice for {$3500.00}. I tried telling her we paid this in a credit consolidation in 2017. She continued to insist we owed it so I made the mistake of giving in to her because we do not want to be sued. She insisted that I provide her with my bank account routing number, account number and said she was post dating the check for an amount of {$1500.00}. 

I am stopping payment on this check tomorrow and hopefully its not already been processed, but this was illegal for her to request this information per the laws Ive been reading up on. 

We have paid this years ago, I have XXXX and XXXX and have trouble trying to remember the name of the agency we went through. I am XXXX and so is my husband and we are on a very limited income and can not afford to pay this twice. 

Would you please help us get this matter reserved? 

Our number is XXXX. The D & A # for them is XXXX and reference # XXXX. 

Thank you. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: IL

Complaint narrative:
I have contacted Equifax and merchant credit guide about reporting wrong information to my account. I have never done business with this collection agency nor had an account with them. they keep reporting this inaccurate to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MS

Complaint narrative:
Equifax entered two collections on my credit file on XX/XX/21 ( which caused my homeowners insurance company to raise my homeowners rate by {$400.00} due to credit rating issues XXXX. I discovered the entries on XX/XX/21 and immediately called Equifax to dispute the entries. The collections were for medical procedures in the Northeast U.S. I live in Mississippi and haven't visited a doctor  other than my family doctor in 10 years. Equifax should have identified that the filings were some type identity theft or error initially. They could not have had any contact information for me or they would have called or send bills. Equifax assigned a dispute number of XXXX. I followed the called in dispute with a certified letter. Equifax entered two disputes -- the original and another identified as XXXX. I called Equifax to determine what the second dispute was and they explained that it was a duplicate -- exactly the same as the first dispute. On XX/XX/21, dispute XXXX was completed and Equifax posted that " the item had been deleted from the credit file and actions taken to insure that it did not reappear ''. The collections were still in my file and dispute XXXX was still listed. When I called about this I was told again the the two disputes were identical and the second should have been closed also along with removal of the collection entries. I was told it would be done within a couple of days. That was over a week ago and they still remain. Meanwhile Equifax has sent a credit score of XXXX to XXXX where I have a mastercard account with a 5 % apr because of excellent credit XXXX my previous rating from Equifax to XXXX was XXXX XXXX. I spent over 50 years building an excellent credit rating which saves me money in many areas and Equifax is ruining it all in a few weeks with their failure to identify a clear case of identity theft or error!! This should not be allowed to happen!! In addition, this is the 32nd day since I reported this which is two more than allowed by section 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
On XX/XX/2021 I sent letters requesting my information be updated to XXXX XXXX, and Transunion. They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.

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 2021-05-11 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: FL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I am receiving Impersonated/Spoofed calls from a autodialer, posing as a legitimate debt collection agency ( Portfolio Recovery Associates ) daily. Usually the first call is a number flagged as a known robocall scam, the second and sometimes third or fourth calls is from de-activated phone numbers. Sometimes I get a voicemail which usually lasts no longer than 5 seconds. This indicates an automated dialer, because I did not answer and the computer behind the call realized that it reached the voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
We lost income due to the coronavirus pandemic and were forced to enter a forbearance program. When we were able to start making payments again, our previous servicer sold our mortgage to Flagstar Mortgage. From the beginning, it was a nightmare of an experience. Each person I talked to was rude and even laughed at me while I was discussing my situation on XXXX XXXX, 2021. I was never adequately informed of the process coming out of forbearance. My goal was to refinance due to the low-interest rates back in XXXX of 2021. Although, I quickly found out I was not able to refinance until I ended my forbearance. So I called multiple times just to be told to wait. They were not able to finish my forbearance even after I told them I was sending my payments. Eventually, they went to the lengths of blocking my payments for no apparent reason and then sending me bills for over {$20000.00}. During this time, I received collection calls telling me I was writing " bad checks ''. These accusations were not the case and caused me unbearable mental anguish of being accused of writing bad checks. I had the money to make payments, but they continued to block my payments. They would then call and ask me to make a DOUBLE payment which put us into an even more difficult situation while we had to wait over two weeks to get our first payment back. When I would ask questions on why they weren't accepting our checks, they could not give me an answer. I feel as though they were taking advantage of our situation. This entire process took over six months and is still not resolved. My family lost time and money because of the failure of this company to adhere to even the most basic principles of a financial servicer. I have endured XXXX for the last six months of not knowing if they were going to foreclose on my house, I have lost the opportunity to refinance at a rate lower than 2.9 %, I have lost the time talking to dozens of representatives who acted like I was unworthy of their time.

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 2021-05-11 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: TX

Complaint narrative:
MY NAME IS XXXX XXXX, I HAVE SUBMITTED OVER 5 DISPUTE LETTERS TO EQUIFAX, XXXX, AND XXXX THEY ARE CLAIMING THAT MY DISPUTES ARENT GOOD ENOUGH FOR THEM, CAUSING ME SEVERE PAIN IN LIFE, I CAN NOT LIVE THE LIFE I WANT WITH THESE FRAUDULENT ACCOUNTS ON MY CREDIT, I AM HOPING THE CFPB CAN ENFORCE SECTION 605B OF THE FCRA. I HAVE SUBMITTED ALL DOCUMENTS REQUIRED FOR THE DISPUTE TO BE TAKEN SERIOUSLY ... ..ID, SSN, FTC REPORT XXXX STATEMENT OF ID THEFT. I WANT THIS RESOLVED. I HAVE CONNECTIONS AND POPULAR TV OUTLETS AND LARGE AUDIENCES WHERE I WILL SLANDER THE NAMES OF EQUIFAX, XXXX AND XXXX, ALONG WITH GETTING A LEGAL TEAM TO SUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was issued an unemployment card with XXXX XXXX XXXX XXXX of Ohio with US Bank Reliacard. After the nightmare of trying to get through to an agent. I was hung up on. Internet searches direct me to call XXXX which is pretty much impossible to get through to an agent. It ask for a card number and in my case I never received a card so I don't have a card number. After digging around on the unemployment website I did finally find another number which is XXXX. Upon calling this number at XXXX EST on a XXXX afternoon I was told to call back after XXXX CST. I tried calling back 37 times to be hung up on by the first agent. I am so aggravated and I cant help but wonder is this really the practice of a huge FDIC insured bank for people who have been approved for their unemployment during a nationwide pandemic. Please help me to have this issue resolved. My bills are due and my daughter would like to have a new polly pocket. Thank you for your time.

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 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
XX/XX/2021 Called to inform them that I was refinancing and taxes were due by XX/XX/2021 and needed escrow to pay in order to refinance. 

XX/XX/2021 follow up and informed them that I couldn't wait and went ahead and paid taxes out of pocket and would need the escrow refunded. 

XX/XX/2021 refinanced and balance paid off. 

XX/XX/2021 received a letter informing me that escrow is being processed. 

XX/XX/2021 alleged day escrow was mailed out by mail XX/XX/2021 filed with XXXX to get assistance 20days after XX/XX/2021 Got a call that payment has been overnighted. Still no information

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 2021-05-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent letters requesting my information be updated to Experian, XXXX, and XXXX They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.

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 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: KS

Complaint narrative:
Went online searching for a cheaper rate to refinance my mortgage. 

Using XXXX XXXX XXXX/ I found a XXXX XXXX mortgage rate XXXX I have a screenshot of the quote ) for my current loan at XXXX with an additional {$110000.00} Cash out option at an APR of 2.5 % and Lender Fees of XXXX. Contacted XXXX XXXX  got in touch with a XXXX XXXX. She couldn't get me into the loan details as quoted but noted that she would try. 

Followed up with her and she noted that although the rate was valid I wasn't eligible because my credit score was too high ( mine was XXXX, and they believe that rate was only eligible for XXXX ). I've never heard of such a thing my credit score is too high so I have to get a worse interest rate. I think they should have honored the deal as was quoted on XXXX, but they have elected not to. 

Hence why I am contacting you.

Company response to consumer: Closed with explanation