vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: ID

Complaint narrative:
During the last 36 hours upon the day I was supposed to close on my house, in XXXX of this year, I was bombarded with several documents, that changed at least 4 times before the last 24 hrs before I was set to close, the last documents came 8 hrs before closing, with a debt to income of over 60 % with my lender inflating my income, stating I made more than I actually did, then when I said I didnt aprove of some fees that were added, and a Monthly payment I couldnt afford, I refused to sign, I said I could not afford anything over 2000 a month with my income at {$4100.00} a month, when I saw my final payment I was assured that once I got my property tax circut breakers and property tax exempt paperwork filed and sent to movement mortgage my escrow account would be adjusted and my monthly payment lowered to accomidate my situation or I wouldnt sign the documents.. I was lied to ..my payment is {$2100.00} and hasnt changed. 
I have provided those documents and 6 months later ive been given the run around and put off while this mortgage broker got away with unnessasary fees that kicked back to her through my agent, and put me in an unsustainable payment situation, putting me off with empty promises, while they sell off my mortgage, and instead of adjusting my payment as promised I wait and hopefully wont loose my home because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Infiniti Financial Services took {$410.00} from my bank account on XX/XX/04 after my lease was ended and will not return it for at least 21 days. they are offering no internal escalations and indicated that no one there can redeposit the funds they wrongfully took from my account until " the system automatically reconciles ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Westlake Services, LLC
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Synovus Bank
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: GA

Complaint narrative:
I have disputed an account on all three credit reports that XXXX XXXX XXXX used my information to open or someone open an account with XXXX XXXX XXXX, this account was already taking off of all three bureaus and now its on my credit report this account was open in my name and its fraud, please removed this account, the amount is XXXX dollars the name of the collection agency is XXXX XXXX XXXX XXXX has done this many of times if another account is open in my name I will seek legal action and sue XXXX XXXX XXXX for damages, I am attaching a FTC identity theft report to this complaint to have this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021 I was emailing with XXXX XXXX ( XXXX XXXX XXXX ) about a refinishing job. This email thread had been started a few days before that. I wanted to move forward with the downpayment and ( presumably ) XXXX wrote back with payment options. I chose XXXX and XXXX wrote back with the email address to use for the transfer. Using the email provided ( in the email thread that had been used for days ) I transferred money ( {$1800.00} ) on my Bank of America account using XXXX transfer. 

After the transfer, I contacted XXXX to let him know I had transferred him money. XXXX said, strangely, that he hadn't received the money yet. I thought maybe it could take a little time. The next morning on XX/XX/XXXX I called Bank of America to let them know the recipient had not received the money. They told me that the money had successfully been transferred to an account at XXXX XXXX I called XXXX and he told me that makes no sense because he does not use XXXX XXXX. At that point we both looked at the email thread we had been using and realized I had emails in the thread that he had not sent. From my point of view, it looks like someone hacked into the email thread to give a false account to transfer the money to. 

I filed a claim with Bank of America, a claim with XXXX, and also filed a police report on the matter as per Bank of America 's request. At this point, Bank of America has not accepted my claim because they said I willingly sent money from my account. I feel really stuck on what to do now. I have asked Bank of America to open the claim again but they have also not asked to look at my emails or speak to XXXX XXXX who has said he is willing to share anything to help me get my money back. Bank of America says the only way I can get my money back is if XXXX XXXX agrees to investigate or give me it back themselves. 

I have attached the emails the hacker/fraud person started emailing me from this email on ( you can see if you scroll that then they have tried to contact me more since the transfer ) : Initial email that XXXX confirmed was not sent by him : XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX to XXXX Hello! Please don't forget 50 % deposit has to be paid asap and balance after the completion. The payment method is via XXXX, XXXX, Direct Deposit or ACH, Let me know which payment method is fine with you, I will send the details. 

Sent from my XXXX XXXX after the transfer the emails continued : XXXX XXXX XXXX Thu, XX/XX/2021 at XXXX XXXX Reply-To : XXXX XXXX XXXX To : " XXXX '' XXXX why do you forward this again? 

[ Quoted text hidden ] XXXX XXXX XXXX Wed, XX/XX/2021 at XXXX XXXX Reply-To : XXXX XXXX XXXX To : " XXXX '' XXXX Hello

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 2021-10-04 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: SC

Complaint narrative:
I have been writing letters to this company and calling them informing them that they're in violation of the FCRA form furnishing a consumer report on me without my consent. They told me that it was legal for them to do so which is false. With this tactic that they are using is preventing me from buying a house or anything else and I sent them a letter recently telling them to take those accounts off of my consumer report and I need them removed immediately. THIS NOT A DUPLICATE COMPLAINT!

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 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Center, LLC
State: CT

Complaint narrative:
I had a XXXX  performed at XXXX XXXX on XX/XX/XXXX with a short office visit prior to receive prep instructions.. To date I have received the following bills from XXXX XXXX for it : 1 ) {$67.00} dated XX/XX/XXXX : This is now 74 days past due and the hospital was notified in writing that I was delaying payment while the amount was under appeal with Medicare. 

2. {$120.00} dated XX/XX/XXXX which contained 2 charges : the {$67.00} mentioned above and a new charge of {$54.00}- which I PAID by a check that cleared XX/XX/XXXX, but to date this is not reflected in the online bill pay portal. I have repeatedly messaged the Hospital to correct the amount in the bill pay portal but they have not done so, making it impossible for me to pay the amount actually due via the portal without incurring double payment. 

3. {$180.00} on XX/XX/XXXX- which consists of : the {$120.00} above, of which {$54.00} was already paid, i.e. this amount is incorrect. 
{$66.00} in newly billed charges which are not yet overdue I am unable to make payment of the amount I actually owe ( $ XXXX {$54.00} = {$130.00} ) because the online bill portal will accept only {$180.00}. I am out of the US at this time so the online portal is the only means through which I can remit payment. I have repeatedly communicated this to Nuvance to no avail and with no response. 

Meanwhile, despite the fact that no charge is 90 days overdue, the hospital turned this over to a collection agency, Credit Center. Further, they turned over not just the {$67.00} which is overdue, but the amount already paid and the amount just billed on XX/XX/XXXX. From the amount in the collection agency letter it appears there are other charges as well for which I have not yet even been billed. 

According to the Hospital 's Financial Policy Credit And Collection : " it is the Networks policy that accounts not paid within ninety ( 90 ) days will be reviewed for appropriate collection action. This amount, and the amounts below, were not overdue 90 days. '' My complaint is three fold ( your menu made me select just one ) : - Unjustified initiation of a collection action in clear violation of the company 's own policy, with attendant negative consequences to my credit rating. This is my main concern -Double billing for an amount already paid - Failure to adjust the amount in the online bill pay portal to reflect payment already made, making it impossible for me to use that channel for the amounts actually due, despite repeated requests and being informed that I am overseas so can't mail a check, have to use the portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Deposited a check from my grandmother for {$5000.00} on XX/XX/21 and it has the check on a hold. Meanwhile the same day they took the funds out of her account and have fully verified the check. Spoke with the bank this morning XX/XX/21 and they still said I have to wait till XX/XX/21 to receive the funds. Not fair how they can remove the funds and hold them while giving me the excuse they are waiting for it to clear.

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 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: VT

Complaint narrative:
In XXXX of this year, I started receiving phone calls from One Advantage about a medical debt from XXXX XXXX in XXXX, VT. That debt was given to One Advantage because of some billing mistake on XXXX XXXX part, but even with the billing error, OneAdvantage was attempting to collect the entire bill including what had already been paid by insurance. 

After many phone calls and diligent effort by XXXX XXXX billing department, the mistake was discovered and One Advantage was notified.

Now, 5 months later in XXXX, One Advantage is attempting to collect the same debt again. I have called both XXXX and spoken One Advantage, but I am not interested in entering a medical debt collection cycle so I am submitting this CFPB complaint in hopes that these multiple " errors, '' all of which coincidentally favor OneAdvantage, can be corrected once and for all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
To whom it maXXXX concern my name is XXXX XXXX I have a mortgage with United Bank we have gotten behind 4 months due to illness in the family the total amount is somewhere in the {$8000.00} range I sent XXXX in the balance is XXXX which they want paid by the end of the month I believe I can do that by borrowing etcetera however in doing a little investigation I find that I can't even sue the bank that Mr XXXX signed a law in saying that the bank is held harmless for anything it does so since they have Deep Pockets and the government has no teeth I really think you should represent The truth to people the bank 's win poor get poorer what I will be doing since I'm a small business owner struggling to survive is laying off employees so that I can make the payment and then those employees can go on the government Dole as you can see the system is crazy I guess I'm not asking for any help because you can't offer any what I'm hoping is that you would tell people that so that you don't instill false hope in people who can't come up with the money if they absolutely have to when their loved ones are sick my goal is just to get that information out do people who think they have rights where a bank is concerned big money has Wright 's small people don't simple as that we better start accepting that But now I see why the XXXX  are taking over the Congress they've had enough

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
We sold a car XXXX XXXX back to Carmax. They offered close to what was due on the loan, XXXX XXXX paid the difference ( under {$10.00} ). 
There was a XXXX remainder refund. 
We were told by Carmax corporate that the XXXX  location of carmax released the money to XXXX XXXX XXXX. 
They sent a check then stopped payment saying it was the wrong lienholder. 
the car was refinance through XXXX  XXXX XXXX, but we were told it stayed with original lienholder. XXXX  XXXX XXXX is researching but we believe its XXXX XXXX who has the money. 
please contact XXXX XXXX auto fiance and carmax to find out who has our refund. 
if they continue to sit on it we want interest or additional money added to my husband XXXX XXXX XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/2021, I mailed certified letters out to Navient, XXXX XXXX, XXXX, and XXXX requesting them to remove Dept of Ed/ Navient XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a financial statement in the mail from Citizens One. I do not have an account with citizens one. The financial statement at the top says XXXX XXXX XXXX Purchased at XXXX XXXX. There are two transaction on the statement, on for XXXX and one for XXXX. The last four digits on the account are XXXX. I tried to call citizens one yesterday and they asked for my 16 digit account number. I don't know the 16 digit account number because I never opened the account to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
As of XX/XX/2021, XXXX/LOANCARE LLC has not fully resolved my prior complaint with the CFPB. The company still has my principal and interest payment at {$2200.00}. This is incorrect. In the loan modification correspondence ( see attached ) dated XX/XX/2021, LOANCARE , LLC. stipulated that my principal and interest payment would be {$1900.00} effective XX/XX/2021. The first payment was due on XX/XX/2021. They fixed the escrow piece that was incorrectly processed by their escrow department and lowered my escrow payment to {$950.00} via the escrow analysis dated XX/XX/2021. However, the escrow department failed to have the updated principal and interest amount in the new escrow analysis that was stipulated in the loan modification documents. The escrow analysis ( see attached ) stated my total mortgage payment is {$3100.00}. This is incorrect. The totally mortgage payment should be {$2800.00} based on the modified principal and interest, plus the new escrow amount. LOANCARE/XXXX  XXXX  XXXX should be shut down. Their handling of loans as a servicing company is unprofessional. I wish to be transferred to another company that will handle my mortgage payments with accuracy and care. This has been an awful experience, and I should not have to contact the CFPB to actually get things resolved.

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 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OK

Complaint narrative:
We have no clue how to pay our loan. We have tried to contact loan Depot multiple times and just get transferred around to tons of people. No one can find our loan or find any existence of any loan we have ever had with loan depot. We have made 2 loans with them. One currently and they can not find it for us to pay on it. We were promised that all loans of our type are service by loan depot and never sold.

Company response to consumer: Closed with explanation