vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: NM

Complaint narrative:
Goodleap contacted us in XXXX 2022 about a possible refinance of our current home mortgage. We were working with a representative named XXXX XXXX We went through the mortgage process and submitted all the paperwork. We ran into problems when it came time for the appraisal. The appraiser called us and said that Goodleap was asking him to remove items from the appraisal and he felt it was improper from Goodleap to ask him to do that without consulting us. We contacted the representative we were working with at the time, XXXX XXXX, and she assured us that everything was ok and that she would clarify the situation for the appraiser. The appraisal came in ( and he made a note that he removed items at the request of the loan company ) and then my husband received a document from XXXXXXXX XXXXXXXX through XXXX. It was a rate lock-in form and my husband signed his part of it. When I began reviewing the document I noticed that the loan terms had all been changed ; the amount was lower and we were no longer offered the cash-out option so I did not sign the document. Goodleap did not call us to explain any of the changes before sending the document. I feel that this was intentionally deceptive to lock us into a loan that we did not want. This issue, coupled with the appraisal issues, had caused me to submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
My Barclays Bank XXXX silver XXXX showed fraudulent activity. I reported this online. The company closed out the card, although this was not clear on the website. When the card was declined, I called customer service and was told that replacement cards for myself and the authorized user would be sent and that they would be sent be XXXX XXXX This was complicated by the fact that I am at my summer residence. I thought that we had resolved everything. 

2 days later XXXX card arrived with my name ( no authorized user card ). I called and was told that the cards were shipped separately because that was the only way it could be done and the second card would arrive the next day. They also said that the cards would each have a different number so it was ok that I had activated my card. At the time, I didnt realize that both cards would be activated. I asked if the fact that the card had not been received but was activated would be a problem and I was told no. I changed all of my autopay accounts. The next day the second card did not arrive and my card was declined. I called again and the agent said she didnt know why this card was also canceled. I requested again that new cards be sent. 2 days later, a card came for the authorized user, but not for me. I again called, again was told card would come the next day. No card came. I called again and was told there was a glitch in the system. The problem was finally escalated to someone in security who agreed to send both cards together. They finally arrived, 10 days after this all started. The numbers on both cards were the same. It took XXXX phone calls to get the cards with extended periods of time on hold. Somewhere along the line, I was told I would be given a {$100.00} credit for my inconvenience. While this is not representative of the time and annoyance, it was a nice gesture. However, it has not appeared. What has appeared on my account was a charge for expedited delivery of my cards after I was told there would be no charge. This was removed, but required 45 minutes on hold. 

I was given misinformation on every phone call and what should have been a simple, although regrettable, transaction became a nightmare. I would truly like an explanation for all of this as well as credit for all of the time and inconvenience to 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 monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2022 I tried to open a CITI checking account online. It was pending presumably because of a fraud alert I have with the credit reporting agencies. It took 3 weeks before a CITI employee tried to contact me to verify my identity. They left a voicemail with instructions on how to contact their fraud department except that the instructions are incorrect as every time I call I am diverted to CITI 's general customer service dept who has proven absolutely useless in being able to connect me to the fraud department. 

Instead of asking customers to enter their SSN ( which is unrecognized in my case because I don't yet have an account with them ) CITI needs to have the customers enter the file # because that is what is in their system. 

I have called CITI 's so called executive response team several times and they have also been unable to connect me to the proper dept. Absolutely the worst and most frustrating customer " service '' experiences I have ever had.

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 2022-06-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-15 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: Freedom Mortgage Company
State: CA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX service member. Freedom Mortgage has inaccurately and unfairly reported various 30 day late payments on my credit report. In fact, The 30 day late mortgage payments are creating an inability to financially create security for my family. The inaccurate and unverifiable information has been disputed by me directly with the data furnisher ; Freedom Mortgage. 

My rights under the FCRA have been violated along with what appears to be a COMPLETE disregard for my rights under the Service Members Civil Relief Act. 

These " late '' payments were a result of being forward XXXX in direct support of military operations in a foreign country. Internet services would go down for weeks at a time making it difficult to make payments on time. I had zero control and couldnt predict when internet services would be impacted. Mortgage payments were on time during the months where internet services remained online. There was NEVER a time however that my late payments exceeded 30 days. I have disputed these late payments as they are not only inaccurate but illegally reporting. 

My role as an XXXX XXXX service member is to protect the country. " FREEDOM '' mortgage is not only protecting me as an XXXX XXXX member but is contrarily causing severe hardship to myself and my family by refusing to update my credit report to reflect accuracy. 

Respectfully, 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 2022-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I recieved a phone call from Navient about student loan payments for 3 private loans ( XXXX, XXXX, and XXXX ) on XX/XX/XXXX. During that call, I asked the representative for verification of the debt pursuant to the FDCPA. She said she would mail it out immediately. At the end of XXXX, I received copies of XXXX promissory notes submitted for student-EXCELL loans to XXXX XXXX for XXXX XXXX, XXXX, and XXXX school years. According to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Ind.App. XXXX ) " The contract in no way provides sufficient verification of the debt. '' When I again requested verification of the debt on XX/XX/XXXX I was told an electronic signature is evidence of promise to pay. However, the loan has not been verified since I have not received a full payment history and an explanation of how additional fees were calculated let alone proof that Navient holds the loan since the documents I received were all agreements with XXXX XXXX. 

Attached is everything I received from Navient in response to my request for verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I had 100 % financial assistance for XXXX XXXX. I have spoken to a lady at Dynamic Recovery Solutions who told me it's not their problem and wants me to pay it. I offered to send her the letter I got from the hospital proving this debt was not owed but she just kept arguing with me telling me she could set up a payment plan. I don't want a payment plan for a debt that isn't owed. I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
ASSOC CREDIT SERVICES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSOC CREDIT SERVICES XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX  XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/2000 CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: GA

Complaint narrative:
I am kindly seeking the CFPB help in getting these disputes resolved. Because your service as been great in the past, so thank you in advance. XXXX and TransUnion has created more financial hardship for me eversince I ask them to properly investigate the errors they reported on some closed accounts. But XXXX responded through email totally disregarding the method I used originally to contact them through mail and not providing the information I requested. There are four ( 4 ) closed accounts XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX, all have wrong credit limits with each credit bureau, the debt balances were only listed once and there was no full creditor information or current inquiries matching these accounts. which were closed because I wasn't responsible for them. XXXX conceded to the request and removed those negative accounts I listed before with any friction, so I don't understand why XXXX and TransUnion can't follow suit.

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 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX Bank of America officially closed my checking account ending in XXXX. {$13000.00} in funds were placed on hold. 
The stated reason for these actions was third party transfers into the account. I rent a property to a tenant. Over the course of a year the tenant paid their rent using transfers from his Bank of America issued EDD debit card. Although these transfers are prohibited by the Bank of America debit card rules Bank of America still allowed the transfers to go through. 
Bank of America has declined to release the funds to me, or to send the funds back to the tenant. I have called the Fraud Department, Risk Closure Department, and General Customer Services Department numerous times over the past 14 months with no positive results and no viable suggested course of action.

At Bank of Americas request, in XXXX of XXXX the tenant attempted to recover the funds through EDD. EDD replied that too much time had elapsed, and they are not able to retrieve the money. 
In XX/XX/XXXX, I filed a complaint with the Office of the Comptroller of the Currency, case number XXXX. On XX/XX/XXXX, Bank of America responded with a letter explaining their rationale for closing the account and stating the funds will be held until their investigation is completed. I had been informed previously over the phone that Bank of Americas fraud investigation finished in XXXX of XXXX, over a year ago. 
Bank of Americas response letter to the OCC case includes the phone number ( XXXX extension XXXX ) of the Regulatory Complaints Senior Resolution Specialist, XXXX XXXX. Over the past two weeks, all my phone calls have gone to voice mail, none of my calls have been returned. 
The funds should be released to me to fulfill the tenants original purpose which is paying their rent.

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 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discovery Bank is reporting a charged-off account on my credit profile. They are verifying this account based on an online application where my social security, date of birth, and mother 's maiden name were provided. I've submitted a police report because this information was used by another individual. Also, the address XXXX XXXX XXXX XXXX PA is not my address. Please provide further evidence that this account is mine. Please provide an explanation of how my information was verified. I did not speak to a representative nor sign any documents. How can an online application alone verify a person 's identity? 

I've attempted to address the issue and informed Discovery that the account is false however they continue to report it. I even attempted to settle a debt that doesn't belong to me to avoid the impact on my credit profile. Please provide a method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: HI

Complaint narrative:
I am a permanently XXXX American who receives social security benefits through COMERICA Bank DIRECT EXPRESS DEBIT CARD PROGRAM. 

They do not issue monthly statements. I contacted them this year because the IRS told me that I needed to file taxes for XXXX and XXXX if I was to receive a stimulus check. 

I asked DIRECT EXPRESS to provide me with a total of benefits received over the past two years. What I got was a list in the mail, of every transaction to my account in XXXX 
Month after month, page after page was charges as small as XXXX and as large as {$100.00}, totaling over {$2600.00}. None of the deductions were authorized by me. Had I not requested deposit information, I would have not known what happened. 

I don't know how to get those funds back. Customer service for DIRECT EXPRESS read a scripted message that states the time parameters for filing a complaint regarding a charge as being 45-60 days from the posted date of charge. Each charge disputed requires a separate depute form. One month alone has eight pages of incorrect charges, 28 charges per page! 

Secondly, what can I do to prevent this from happening again? 
I have never used my DIRECT EXPRESS account for recurrent billing. Is there a way to opt out of these " services '' with DIRECT EXPRESS? 


The charges are suspicious amounts as little a {$.00} charge to a foreign payee multiple times in a given day. I WOULD LOVE TO SEND YOU COPIES BUT I DON'T KNOW HOW TO UPLOAD THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-15 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation