vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
The list of attachments are self explanatory on detailing the mortgage servicing on my home equity loan originally entered on XXXX by XXXX  XXXX and transferred 3 times ending with Carrington Mortgage LLC. This complaint goes directly to problems and discrepancies on a loan modification agreement entered XX/XX/XXXX. Carrington has reported late payments to the credit bureaus which has inhibited my credit. I followed the terms of the modification agreement paying {$500.00} for three months before my application was approved. I was advised I had a credit or balance on the escrow account. This came from escrow deducting XXXX for homeowners insurance which I had already being paying monthly to XXXX XXXX making this a double monthly payment to homeowners insurance. Speaking to supervisor XXXX XXXX he stated I needed to send a hand written letter to escrow dept. to either stop taking the money out or a refund or possibly applied to XXXX and XXXX payments. I then received a letter stating my account would be drafted {$420.00} on XXXX XXXX.I was advised that no money had been applied to XXXX and XXXX and they do not return money from escrow and the homeowners insurance would be paid by Carrington and it was part of the modification. 
That has all been remedied by a double payment in XXXX of {$840.00} and another deduction on XX/XX/XXXX for {$420.00}. I have not been late on my payments I contacted XXXX representative and had him on a 3rd party call with the advocacy department and after no resolution to why they are reporting me late he referred me to CFPB and wished me good luck. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2021, opened a checking account at the XXXX XXXX XXXX, FL branch with a check made out to me on another SunTrust bank account in the amount of {$25000.00}. I withdrew cash from this account as I was not immediately given a debit card. I withdrew money 2 more times and paid some bills. 

While on vacation, XX/XX/2021 still without a debit card, attempted to make a withdrawal and was advised at the branch in XXXX, GA that I couldn't make any withdrawals, the teller couldn't tell me why, just to call customer service. 

Within the hour, I called the customer service number I was given and was told my account was " in the process '' of being closed. I still wasn't given an explanation as to why. I asked for a supervisor, who also told me the same, just that my account is under investigation. I of course, became furious. I continued to call each day to try to get any information. Still, nothing. 

I went directly to the branch I opened the account and spoke with the branch manager, XXXX ( don't recall last name ) who was very friendly, called her know department and was given the same information. She also advised this was unacceptable. 

Upon my calling daily, I was then connected with a " client advocate '' XXXX XXXX. He also could give no explanation, as with everyone else he said it's under investigation with the " back office ''. 

I again advised of the hardship this is putting me and my family through. I had lost my job due to Covid and my unemployment compensation had ceased. This is all I have to pay bills, put food on the table and other day-to-day necessities. 

This has been of no concern to SunTrust or any person I have spoken with in the SunTrust company, except the local branch manager, XXXX. She even brought me a cake and flowers on XX/XX/2021, as that was my Birthday. 

I was told on XX/XX/2021 that my money was being mailed to me. I couldn't be told HOW this {$23000.00} ( estimated ) was being sent. US Mail? Certified mail? XXXX XXXX? No one knows. 

I find this and every action to be very irresponsible from a Financial Institution as SunTrust is. How no one can tell me where this large sum of being can be located??? Was it simply dropped in the mail by a mailroom clerk? 

I have taken to Social Media and soon discovered that I am not the first or only customer to experience this from SunTrust.

Again, completely irresponsible and unprofessional.

I am and will continue to tell everyone, essentially my teenage children and their friends who may be potential victims of SunTrust in the future. 

Very disappointed customer, 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 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased concert tickets through XXXX and paid via PayPal Credit. The concert was rescheduled due to covid and it is now set to be in XX/XX/XXXX. The tickets I bought were VIP meet and greet tickets. I paid close to {$900.00} for 2 tickets. The concert will no longer offer this feature and the tickets are being sold for under {$50.00} now. No VIP or meet and greet is happening. Also, the venue requires vaccine and my daughter ( she is a minor and they are her tickets, I bought them for her ) well, she can't get the vaccine due to a medical condition ( she is highly allergic to 2 ingredients ) I have tried dealing with XXXX and its in PayPal credits hands. They will not help me and I really would like my money back. They told me I had 180 days from purchase. Which is ridiculous since I purchased them in XXXX of XXXX and the concert is postponed till XXXX of XXXX. The pandemic shut all concerts. I didn't know the new date 180 later or the new rules and I just found out I will not be getting the VIP tickets I bought

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 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2021, my wife & I signed the final Escrow Documents to refinance our home before a Notary Public. All documents were signed, notarized & filed. Rocket Mortgage told the Notary that funding would occur On XXXX XXXX. On XXXX XXXX, I learned that my Loan XXXX, XXXX XXXX, XXXX XXXX XXXX, told Rocket Mortgage that I had rescinded the Agreement and there would be no funding. I DID NOT RESCIND THE AGREEMENT verbally or in writing. I tried to call XXXX XXXX but he would not return my calls. I tried to email him but got no response. 
I employed The XXXX XXXX XXXX to communicate with XXXX XXXX XXXX. Subsequently, I received a phone call from the XXXX, XXXX XXXX, who agreed to a new loan with the same Terms & Conditions as the original loan and processed within 24 hours. However, the new loan disclosure was not in keeping with the Verbal Contract. It had a higher interest rate & did not include the full Lender Credit. In an email communication with XXXX XXXX he also stated the loan would not be concluded until AFTER XX/XX/2021 ( certainly not within 24 hours and not even a determinate date at all ). This is a typical BAIT AND SWITCH tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ally financial HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$51000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I discovered fraudulent account access in XXXX and reported the first two related unauthorized charges I noted to Cash APP XX/XX/XXXX. 

As they routinely do, cash app has failed to comply with their obligations under regulations XXXX & XXXX and have thusly failed to issue any provisional credit or request an extension to investigate further as required by law. 

This has happened before. Often I believe they will close accounts or reverse a different credit so as to avoid their obligations under the regulations by sending the account into the negative so they do not have to pay out any funds lost due to fraudulent EFTs. 

In my case I have noticed fraud somewhere between XXXX and XXXX dollars, and cash app continues to just tell me is being Looked at without any issuance of provisional credit even after two weeks. I want the CFPB to look at the systemic non-compliance shown in the handling of disputed transactions or errors and unauthorized payments by cash app and other similar services such as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I noticed this company reporting a debt on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROFESSIONAL DEBT ME Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NC

Complaint narrative:
To whom it may concern, I have been trying to get inquiries removed for a while now that i never made a few times now. The last time i went to cfpb they sent me a file when closing saying not enough proof so this time i took pictures of the inquiry 's in question. I am being hit with a bunch of them that I never made. All of the following needs to come off my credit report XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry  from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX  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 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I have a monthly recurring charge for {$54.00} for five months now from Google that I never authorized. I have never signed up for anything with google for this amount. I called my credit Card company XXXX XXXX and they said to take it up with Google. I went to call Google which they had no contacts for me to call them. So I did the complaint online like they asked. I could only go back for the last four months. I did the fifth one as a more recent date. My XXXX email received an email from Google regarding they received all my complaints. But when I go online to see the status, Google says completed yet I never received any other Emails or call from them regarding the charges. Please have Google remove all charges {$54.00} for five months that were never authorized by me. Also how did they get My Credit Card number? I never called Google for anything. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NY

Complaint narrative:
In response to your dispute results, there are a few inquiries that should not be on my report as I did not make these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I used the XXXX Transfer service provided by Wells Fargo when I log into my account to pay for a product. I purchased tickets XXXX. XXXX 2021 to a XXXX  game from this posting, https : XXXX on XXXX. It was fraudulent and the tickets were not delivered. I filed a claim with Wells Fargo within an hour and was given the following case number. XXXX. I followed up at the phone number they provided, XXXX on XX/XX/XXXX and discovered the claim was closed. Wells Fargo files a claim with XXXX and then closes it. They only act as a messenger service for XXXX after that and they leave it their responsibility to investigate. XXXX has no motivation for pursuing a claim and Wells Fargo has no process to follow up or compel them to. I asked Wells Fargo customer service for a number to contact XXXX and pursue it myself and they wouldn't provide me with one. I contacted XXXX and they said I needed to pursue it through Wells Fargo. The Wells Fargo provided XXXX service is the exact same as sending cash through the mail. On the Wells Fargo site they compare it to using a check, but it has less protection than that. The customer is able to stop payment on a check or pursue legal action against the individual cashing the check. If Wells Fargo is not providing or supporting the XXXX service they need to transfer you out of a Wells Fargo site to prevent the misleading appearance that they do. It is totally unacceptable that a banking institution provides a service from the customers personal online account but not accept any responsibility for transactions that take place within it.

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 2021-10-14 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Starting on XX/XX/XXXX I began receiving calls from Goldman Sachs. I explained I am not the Debtor they are seeking, but I am the mother. My son is in XXXX and has been in XXXX since XX/XX/XXXX. Since XX/XX/XXXX I have received XXXX calls, some days 3 times a day with me constantly saying I am not the Debtor. I asked on XXXX of the calls from yesterday XX/XX/XXXX and today XX/XX/XXXX to remove my number from the list. I was told on today by " XXXX '' ( I think ) she can not remove my number. After XXXX calls before XXXX I have since then received XXXX more calls. I am not the Debtor, I do not owe you money. The phone number you continue to call is my phone I pay the bill on and I will not stand for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
COMENITY BANK RELENTLESSLY SENDS MY INFORMATION ( PHONE NUMBER EMAIL ETC ) TO COLLECTION AGENCIES WITH FALSE DEBT. DOESNT MATCH MY NAME OR MY SOCIAL SECURITY NUMBER. IVE FILED FRAUD CASES WITH THEM AND TOLD THEY WERE RESOLVED. JUST THIS WEEK I GOT ANOTHER EMAILS FROM ANOTHER COLLECTION COMPANY SAYING I OWE {$830.00} ON A CREDIT CARD IVE NEVER HAD WITH THE WRONG NAME AND WRONG SOCIAL SECURITY NUMBER. THEY HAVE DONE THIS 3 TIMES NOW. IVE FILED FRAUD REPORTS WITH THEM XXXX  WITH THE FTC ABOUT THIS AND THEY CONTINUE TO DO IT. THEY DESTROYED MY CREDIT WITH IT LAST YEAR AND ARE ATTEMPTING AGAIN. I DONT HAVE ANY CREDIT WITH COMENITY. THE 2 I DID HAVE ARE PAID AND CLOSED BY CONSUMER YET, THEY CREATE FALSE ACCOUNTS WITH DIFFERENT MERCHANTS UNDER MY LAST NAME EMAIL AND PHONE NUMBER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks. 
Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )

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 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2021 I notified TRANSUNION by certified mail of the following accounts : XXXX. XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of the consumer reports in general - subject to the subsection of ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is public information and TRANSUNION has been negligent and continues to commit civil violations against me. TRANSUNION has been furnishing these accounts on my consumer report without having my DIRECT consent! This is completely identity theft! They continue to provide me with investigation results stating the account has been verified as accurate - but fail to provide any adequate documentary evidence of having my direct consent. I have called their customer line and fraud department on several occasions and they refuse to assist me with my issue. They state they have not received anything from me or they received insufficient information from me. I demand they be held accountable for their violations and demand monetary compensation! I demand that TRANSUNION delete these accounts immediately! Today, XX/XX/2021 I received a response to the CFPB Complaint XXXX from TRANSUNION stating that they will need to " verify '' the information being reported on my consumer report. What federal law gives TRANSUNION any authority to " verify '' these accounts and needing to contact the creditors to verify? I am demanding that TRANSUNION provide me the federal law that states they have any authority to " VERIFY '' anything on MY consumer report. Also there has been an abundant number of " investigations '' done by TRANSUNION and the law clearly states that these " investigationgs '' shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 15 USC 1681a ( e ). I am also just getting an automated generic response to my complaints!

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