vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.

Complaint narrative:
Caliber Home Loans has failed to pay back overpayment held in escrow following the sale of a house in probate on XX/XX/2021, roughly {$4000.00}. The payoff quote from Caliber provided to me at the house sale commits to returning payment within 21 days. 

The house is in XXXXXXXX Washington while I live in the XXXX XXXX. Within a day after closing ( on appx. XX/XX/XXXX XXXX, I called Caliber to give them my address in the XXXX XXXX to send the amount that was overpaid for taxes and insurance escrow ( they would not do bank transfer ). They took this information and said that I would receive payment in two weeks. When I did not receive the payment I called back at the end of XXXX, when they told me that the check was in the mail. I had not received payment by XX/XX/XXXX when I called again. This time they told me that the check had been sent to the house that was sold, which is a clear mistake. The third person that I spoke to put in two 'work orders ' to 1 ) override the requirement to only mail inside the US , and 2 ) resend a check to my correct address in the XXXX XXXX When I did not receive the check by XX/XX/XXXX, I called again ( and spoke with XXXX XXXX ) when I was told that they can not send the check outside the US. We arranged for them to send to my relative and I was told it would arrive at that address within 10 days. It has been 14, and still payment has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My equity line of 10 years was due to expire in XXXX. I attempted to refinance it but Citizens bank denied me credit based on my reduced income due to Covid loss of business. With no option my payment was doubled. Citizens claims to have sent me mortgage statements each month with the amount due but I have received none. I paid the bill via my online banking app and placed recurring payments via Auto pay. When I noticed I was double paying I called the Citizens Mortgage department. They said they were pulling from my account via what they called Autopay. I agreed I'd cancel my autopay and they would debit my account for the payment. They did not and I recieved a {$20.00} service fee. I called again, set up auto debit through the mortgage department and agreed I'd cancel Autopay through my on line bill pay. Again, it did not happen and I recieved a {$20.00} service fee that they now refuse to waive because company policy allows for only one credit ( even though they made the mistake ). They have two seperate Autopay services. Mortgage Autopay pulls the money from your account and Online Autopay sends money from my account. I want them to debit my account and return the {$20.00} service fee. The supervior XXXX XXXX XXXX  that I spoke with Monday morning XX/XX/XXXX refused to refund the charge and refused to provide me with an escalation path. This issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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:
As a consumer my rights has been violated multiple times by these credit bureaus and corporations. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I received an offer in the mail under my name to open a Citi checking account for a bonus of {$1500.00}. I opened the account on XX/XX/2021 and started to make deposit to my account XXXX a total of {$190000.00} XXXX. Detail below : XXXX XXXX, 2021 CITIBK XXXX XXXX TRANSFER {$20000.00XXXX XXXX  XXXX, 2021 CITIBANK , N.A . DEPOSIT - {$12000.00XXXX XXXX XXXX, 2021 CITIBANK , N.A . DEPOSIT - {$160000.00} A couple of days later, I realized that the online bank account started to get restricted. I could not be able to see my recent activity and make any transfer to or from the account. I called customer service and was then directed to call the Fraud department. I was told that the account was closed due to a " negative report from other institution?! '' and said " the account will be closed in 60 days ''. When I asked about what will happen with the remaining fund in the account, the representative said " unfortunately, the account has been closed and under investigated within 60 days '' and hung up on me. That was really unprofessional for a reputable bank like Citi. 

I will contact my bank which the fund was transfer from and have them reverse all the transfer and retrieve my fund. I will not wait 30-60days for your " investigation '' without informing me about the account closure.

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 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Disputes at Citizens Bank were not handled properly. All 3 disputes were denied, 2 claim numbers. There is no way to contact the disputes department. Received 1 call from a private number, so of course I didn't answer, from XXXX man with thick accent, Citizen Bank employee telling me in an indifferent scripted tone, without any reference to a claim number, that services were rendered. They aren't even all services. 

After resubmitting my disputes I was told I would received 2 calls from disputes since there are XXXX disputes and 2 claims numbers. I only received 1 call/ voicemail from a private/restricted number. 

What bank doesn't have a real claims department to contact? 

Claim number XXXX totaling {$71.00} 2 items ITEM 1. {$58.00} XX/XX/2021 is XXXX XXXX XXXX makeup from an XXXX store offering money back guarantee. They REFUSED to give me my money back and now claim I am beyond the 30 day guarantee. At the time I was sick with XXXX XXXX. 
Scam XXXX store is called XXXXXXXX  and is not related to the national chain XXXX XXXX in anyway, which I recently learned. As of XX/XX/2021 I learned this store is now closed for its scams. XXXX KNOWS I WAS SCAMMED AND REFUSED TO REFUND ME. CITIZENS BANK KNOW I WAS SCAMMED AND REFUSED TO REFUND ME. 

ITEM 2. {$12.00} A company to boost my social media followers sold me profiles of XXXX in XXXX world countries. 

Claim number XXXX {$140.00} XX/XX/2021 XXXX purchase XXXX XXXX XXXX The employee dyed my hair a dark shade of blue. I wanted platinum blonde. She put too much blue in the toner and walked away from me. Normally I do my hair myself and told her to be careful not to dye my hair blue, which she proceeded to do. Due to XXXX XXXX XXXX I sought her assistance. She then cut, without my consent, my hair short due to my hair then being dark blue. I asked for the manger to call me and to date the manger has refused to do so. 

I made disputes with Citizen Bank. I refiled the disputes. The dispute department refused to allow contact or to even acknowledge the claim numbers upon 2nd dispute. I emailed XXXX whom to date has not responded back. I made them aware they are now part of my complaint to you. 

Please assist and hold Citizens Bank accountable to protect its consumers. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
I recently pulled my credit report to find Hunter Warfield was listed as a collections with all 3 bureaus. I haven't received any paperwork or phone calls from this company regarding any balance owed. I have tried to dispute previously with no response. I do believe this is fraudulent activity nonetheless.

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 2021-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am Writing to File a Formal Complaint against American Express : They have been a challenge to deal with on 3 main large scale issues : 1 ) Difficulty in getting anyone from any appropriate department to credit back a XXXX  membership fee that should have resolved after account closed shortly after opening. 
Being tossed back and forth between several different departments spending hours and days on the phone. 

2 ) Unfair and unethical practices regarding fraud disputes. Rejecting fraud claims from XXXX in XX/XX/XXXXand refusing to credit valid consumer disputes when proof was provided. Automatically charging back {$36000.00} worth of charges at once on 8 different accounts and inaccurate credit reporting showing 350 % over credit limit when the accounts were separated. Harassment and aggression from XXXX XXXX XXXX with unwillingness to work with me to resolve claims. 

3 ) Closing all accounts on no formal basis and severely decreasing my credit score with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CA

Complaint narrative:
XXXX XXXX XXXX OF CA is reporting a collection for {$9500.00} from XXXX XXXX XXXX  for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .XXXX XXXX services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....

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 2021-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX OF CA is reporting a collection for {$9500.00} from XXXX XXXX XXXX for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .XXXX XXXX XXXX went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....

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 2021-04-26 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: Premier Auto Credit
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a collection for {$9500.00} from Premiere Auto credit for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from premier auto credit ... .Allied credit services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. Premier Auto credit refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: AZ

Complaint narrative:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Self Financial Inc.
State: TX

Complaint narrative:
This company states that I did business with them in such a way that is false and iI asked them politely to delete the account but they chose not to. They are reporting that they loaned me a specific amount of money and that I secured the loan. And I have stated that I defaulted and or gave late payments ... I suspected this was a fraud company and stopped giving this entity money especially in the middle of a world pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a consumer my rights has been violated multiple times by these credit bureaus and corporations. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach.

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 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
My company, XXXX XXXX XXXX XXXX, was paid through Square by XXXX XXXX XXXX on XX/XX/21 in the amount of {$1200.00}. I received an email on XX/XX/21 from Square that {$1200.00} would be transferred into my bank account on Sunday, XX/XX/21 and would be reflected in the bank account balance on Monday, XX/XX/21. My Square account was hacked into and the account number was changed to a bank account number that was not mine. Therefore, I never received the money. I have replied to the XX/XX/21 email Square sent 3 times and have not gotten a response. I have attempted to call their customer service number and the automated system keeps referring me to an email I did not receive. I do not know any other way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr. Cooper ( the mortgage company ) processed my payment due XX/XX/2021 on XX/XX/2021. Today, XX/XX/XXXX, an additional payment was taken from my checking account, but was not posted to my mortgage account. I did not authorize this additional payment. 

Mr. Cooper claims on their blog that they are working with banks to correct this and should have been corrected before the payment was posted. This didn't happen, however. I am unsure how they intend to reverse possible fees incurred without contacting every individual. My auto payment had to be delayed and money had to be transferred from my savings to cover for their error and prevent a cascade of additional financial issues. The time lost and the interest lost is not being offered to me, and I would like to be compensated for this effort. 

Mr. Cooper is a name change for this company, which has had issues previously with billing and just settled with the government on this issue. It appears they haven't resolved their issues with billing and processors, and they should take their customers ' finances more seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am a practicing, licensed RN and a full time faculty member at a private university in Indiana who has taken care of COVID patients throughout the entire pandemic and who has taught students how to take care of patients and become nurses. 

I applied for a loan from 5th 3rd bank in XX/XX/2020 and as of today, we have still been unable to close. I have submitted every single document they have requested ( verifying my income and bank statements 3 separate times, because they expire after 60 days ).

The manager I have dealt with XXXX XXXX has missed scheduled meetings with me and has refused to give me the name of her direct supervisor more than once. I have emails confirming this. 

I have endured new onset of chest pain related to the stress of this entire process. I have done everything they have asked and have been as patient as I can be but I am now at my wits end. This is not right. 

Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX My forbearance scheduled to end on XX/XX/XXXX, I have been calling 3-4 times a week and have received multiple different answers from Lakeview Loan. 
XX/XX/XXXX - XX/XX/XXXX - told was eligible for extended forbearance but never happened - XX/XX/XXXX - was told my forbearance would be extended through XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX was Promised that my XX/XX/XXXX this would show on my online account - this never happened - XX/XX/XXXX was told I was " preapproved '' for a COVID modification with no documentation and that I was not eligible for an extension, said no follow up by me was needed and they would contact me within 7 days to discuss. This never happened - XX/XX/XXXX called to ask for update there was no update and modification was not started - XX/XX/XXXX asked for recordings of all my discussions because I have received so much incorrect information - was told supervisor would call me back - never received a call - XX/XX/XXXX was told I was never preapproved for COVID modification, not eligible for any longer on forbearance and needed to fill out a packet for modification. Recordings of calls were never stated on my loan - was told again supervisor would call me back - never received call - XX/XX/XXXX - called again- I filled out mtg assistance packet and again asked for call recordings and speak to supervisor - neither happened - XX/XX/XXXX - was told in review for modification and no documentation on anything else, forbearance, phone calls, recordings, nothing at all. On hold for supervisor now for 40 minutes

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
my identity got stolen a while back, they've been getting jobs using my name and opening up bank accounts. Victoria secrets for XXXXon XX/XX/17

Company response to consumer: Closed with explanation