vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation
State: MD

Complaint narrative:
The loan XXXX XXXX XXXX for Academy Mortgage provided an illegitimate Approval document ( s ) to satisfy FHA contingency on or about XX/XX/21. I immediately raised concern and asked to unilaterally terminate. I was told by my realtor XXXX XXXX and XXXX XXXX that document was legit and I was all set. In good faith i moved forward per their expert advice, however, I soon confirmed that the Conditional Approval document that was provided to satisfy the FHA contingency was not legit. Its not from an underwriter, theres no name on it, not signed nor dated and theres no loan commitment attached. Ultimately the loan was denied for reasons that were already known prior to the denial letter. I kept being told everything was on track. Since I have been business with XXXX XXXX, financially its cost me inspection fees {$1600.00} and an earnest deposit {$3500.00}. I have also invested about {$12000.00} in travel expense trying to secure a home, not knowing the whole time I was going off of " Improper '' documentation from Academy Mortgage. To make matters worse, XXXX and XXXX reached out to me on XX/XX/21 and convinced me to sell my home despite the offer was less than I wanted. There reasoning was the new house at XXXX XXXX XXXX XXXX had XXXX in equity and it didnt make since to lose that for a XXXX gap on the sell of my home. I agreed to sell my home per that discussion on XXXX. The next day XX/XX/21 XXXX informed me that I was denied the loan to purchase the new house for reasons that were already disclosed.

I was denied for lates on my 1st Mortgage which I disclosed that this could be an issue. XXXX informed me that this was not an issue... But " if the issue was to arise once my house sold those lates would not count against me and we could still close. '' I was told worse case scenario, that the closing date on the new house might get pushed a few days but we were fine. I have a lot of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Midwest Fidelity Services, LLC
State: TX

Complaint narrative:
I have received an email from Midwest about account from XXXX XXXX XXXX, I have requested a copy of any documentations such as drivers license, loan application to review and confirm documentation. While speaking with XXXX XXXX she have also informed me funds were submitted to XXXX XXXX XXXX XXXX I have informed I never open an account with XXXX XXXX XXXX XXXX I have made contact with XXXX XXXX XXXX XXXX XX/XX/21 the location is more than an 1 hr away from my home. I have also requested documentation from XXXX XXXX XXXX for the acct number so that I can bring to the attention at the credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously submitted a complaint, No. XXXX against TransUnion and XXXX. 
This refers to TransUnion, which provided an answer. This complaint is primarily against the CFPB. You closed my complaint. The issue was two fold ; they took more than the statutory limit of 30 days to reply ; and they did not provide verifiable proof of the item in question. To merely state that THEY verified is insufficient to meet the requirements of the FCRA, and for the CFPB to simply relay and mimic their answer is not acceptable. In two weeks I will file suit in U.S. District Court to do what the agency should do, enforce the law.

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 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
On XX/XX/2021 my employer sent me {$1500.00} via PayPal. When I attempted to transfer my money to my bank account ( which I had been doing for a year or more ) PayPal refused, citing a security concern. When I asked what the security concern was, they said they didn't know, leaving me unable to resolve whatever the problem was. Ironically, they said I could still send money to a third party ( for example, to a person I've never interacted with before ) but I was not permitted to transfer my money to my bank account. As I write this, PayPal still has my money frozen. They control it and will not let me access it other than to send to third parties ( from which, conveniently, they can extract fees ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo fraudulently opened an account in my name. I have never set foot within a branch, talked to a wells fargo representative and no loans past or present have ever been handled through wells fargo. No loans have ever been transfered to wells fargo through a company purchase or such. Yet i have recieved a notice from them they overcharged me and wrote me a check. This is one of 2 things. Either they are fraudulently opening accounts again. Or this is a ploy from them and as people cash it or contact them, it is assumed authorization and proceed with creating the account for the recipient. I will not talk to them or cash check for this reason.

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 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DCN Holdings Inc.
State: SC

Complaint narrative:
This collector verbally and via writing threatened to call the medical board to investigate my XXXX XXXX  because of an unpaid debt. The email sent by the collector is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I applied for a home equity line of credit with PNC bank on XX/XX/21. I filled out an application online and spoke to a loan officer on the phone. I was given an application number and a secure account to log into that required me to put in the last 4 of my social security number. I was then sent secure communication from XXXX XXXX at PNC bank. She request that I send documents to support my application which I did on XX/XX/21 including proof of my income, information about my current mortgage. I received a call from her on XX/XX/21 saying that my income had been verified and that I would hear soon about an appraisal. I called on XX/XX/21 as I had not heard any updates and asked when the appraiser would be out to see me. She asked that I verify the last 4 digits of my social security number. When I gave her the numbers she said they did not match the application. This to me did not make any sense as I had to enter the last 4 digits to open documents to the application and had given my information on a recorded line and given the correct social security number. I asked to speak with a manager and voiced my concern about my security and this error with my social security number. She offered an apology without any explanation of how this could have occurred. I am concerned about when this error might have occurred in the process, if there is some inaccuracy or misdirection happening and that another person 's credit was ran for this loan given they had the wrong social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am reaching out to see if you can help me find some assistance with the Depraved Indifference from Bank of America. For the past 2 years I have reached out to the Bank of America and have gotten the run around, the police, medical professionals and now a lawyer. My dad has been a customer at Bank of America for over 20 years and in the past 2 years is banking activities have become erratic and questionable. He goes to BOA at least 3 times a week and writes checks to to his " Girlfriend :, I have spoken to agents at the bank I have called to no avail. My dad has given over {$80000.00} away and now he is giving his pension and Social security way every month which leaves him with less than {$7.00} at times. I do not understand how the bank does have train individuals in place to help identify these cases. Unless the Bank employee are in on the SCAM. He is going to the same bank, with a chair sitting in line making friends with the people at the teller. 
I have spoken to the bank they said they can not help me, I asked the police to trace who these people are I have a police report but NOTHING HAS HAPPENED. 
I have tried to convince him that this " girlfriend '' is not real. I don't understand how hard it is to get help to find these people. I have their names : They are cashing the checks. There are even checks without his signature and forged handwriting. 

These are the people : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why is it so hard to get help. everyone know this is a crime/ scam but there is nothing in place to help!

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 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX DOB : XX/XX/XXXX After the account was closed they ( Transunion ) kept reporting the account as Charge Off, I sent a 609 letter last month, and they updated the XXXX information yesterday without contacting me with the verification I asked for, so the investigation for the XXXX XXXX Account looks like is going to be throw the same results. 

" Currently using 295 % of your account 's limit ''. TransUnion is reporting a credit limit, how can I have a credit limit after the Close Date? 
XXXX XXXX Balance {$290.00} Credit limit {$100.00} Closed XXXX. XXXX, XXXX I paid the whole amount on XXXX XX/XX/XXXX and they started charging late fees after. 

I sent this letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fla.XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA.XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


Name of Account Amount ProvidePhysicalVerificationCreditor XXXX XXXX {$820.00} XXXXXXXX XXXX  {$290.00} 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 2021-10-01 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I get calls all day long from local numbers trying to contact me to collect a debt, which doesn't allow my call protect to work. I have called back to let them know to remove me from there list and they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On or about XX/XX/2021, I chatted with a rep via the chat option in the website of the bank to approve the increase of my daily spending on my card because I had to do a cash advance at my other physical bank to buy a cashier 's check to pay a court judgement. The rep said I would have to speak with the rep to confirm my identity. I had the rep a few hours during a break from my job. I validated my identity, but the rep that helped me over the phone at loss prevention by name of XXXX XXXX was very unprofessional and refused to answer my questions. When I insisted she answer my question, she retaliated by not approving the documents I submitted for verification even tho she and the earlier rep promised I would get the approval yesterday if I provided those documents. She sounded mad at me for making this statement and they proceeded to freeze my accounts and block my access to all 5 of my accounts. I find this behavior to be not only unprofessional but a violation of my right to access my account and money. No one should be subject to this level of retaliation because of a rep 's unprofessional conduct.

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 2021-10-01 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: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. Somebody stolen my check and cashed the money from capita one on XX/XX/2019. The total Amount is XXXX. Capital one refused to gave me the refund. I am having a account with chase bank. XXXX would like to give me XXXX refund. I think capital one should give me the rest of the money which is XXXX. It was all capital ones fault. My chase account number is:XXXX my address is:XXXX XXXX XXXX. XXXX XXXX. Oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The following account is being fraudulently reported on my credit report : JP MORGAN CHASE AUTO FINANCE # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have previously contacted JP MORGAN CHASE AUTO FINANCE and XXXX, XXXX, and XXXX Credit Bureaus of this inaccuracy and have not gotten a resolution. I have never requested or obtained credit from JP MORGAN CHASE AUTO FINANCE, I am not liable for any debt to JP MORGAN CHASE AUTO FINANCE or any factoring company. The account holder responsible for this debt is XXXX XXXX XXXX ( SS # XXXX ), who is my ex-spouse. Please assist me with getting this fraudulent account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Commercial Acceptance Company
State: NY

Complaint narrative:
The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) To : you Details XXXX XXXX Case : XXXX This e-mail sent-to : ( XXXX ), You have a pending charge on your account, kindly confirm your login credentials and card security codes to access your account online. Login after the verification process to ensure all your transactions are accurate. 

Confirm Credentials XXXX XXXX All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please review. 

All rights reserved. Copyright 2021 American Express. 

Privacy Policy Terms & Conditions Support Account Subscribe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
My vehicle was involved in an accident and was deemed as a total loss by my insurance company. This finance company Bridgecrest received the final payoff from my insurance company on XXXX XXXX. To date this company has failed to process the payment and close out this account. I am unable to obtain a new vehicle with this still showing outstanding. I have contacted Bridgecrest more the 7 times and they refuse to assist me with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity- Ann Taylor Credit Card -- Card balance was paid in full directly on the providers website, they then applied a credit charge that was not billed in the next cycle and was applied to a XXXX balance. I have emailed the company multiple times and they are kicking me back and forth between departments and not resolving the issue. They have now applied late charges and it is impacting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below need to be deleted from my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited money order ( s ) in 2019, sent to me by an employer, the employer turned out to be a Fraud, Bank of America cashed the money orders through ATM deposits as well as in person XXXX XXXX Bank of America on XXXX XXXX & XXXX in XXXX, California -BofA employed Teller then put a XXXX $ insufficient funds mark in my Account & closed it. I called them, wrote Emails to resolve & BofA ignored every call, every email, every time! I was a victim of fraud $ spent $ of my own, turned it into an FBI Fraud line & nothing has been addressed answered or acknowledged

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