vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: River City Mortgage LLC
State: KY

Complaint narrative:
On XX/XX/XXXX we sought out a mortgage on a double wide home on a permanent foundation. We got pre approval from this company but later was told they dont fund mobile homes. 

So our realtor suggested a new company, River City Mortgage. Based on his suggestion we applied for the mortgage through them. We got the pre approval letter on XXXX along with the i rial disclosures. We submitted every document they requested within one business day. 

We then had the appraisal submitted on XX/XX/XXXX and it appraised at {$190000.00} which was {$2200.00} under our offer. My realtor called and asked what I wanted to do and I said I would not cover the difference. He told me the seller might walk away and I said thats fine and that if she walks away she walks away because we arent covering the difference. 

My realtor called me back very quickly and told me that the appraiser is going to fix the report to get it to our offer. I was led to believe that this was a small typo error. 

After that I was told we are closing before the new year. Then day after day we were delayed all the way up until XX/XX/XXXX when I asked my loan officer what has been taking so long. Thought this process I was told it was because the underwriter needed to review documents we submitted, but on Saturday the XXXX, the loan officer responded with the appraisal. I responded with oh how there was a typo error? 

He then answered with a long message that stated Well kind of the appraisal came in low because the appraiser incorrectly used the assumed sale price of XXXX when it was XXXX Then the sellers realtor called the appraiser and had her change the value ( illegal move between us ) and then told me about it AFTER Then the realtor increased it and noted it was based off of the sale price increasing ( not a valid reason to increase value ) So, its just been a XXXX show of trying to make sure the appraisal remains usable and complaint without having the underwriter report the act that happened because she can likely tell. 

So after talking with those close to me I decided to step away from the deal based on the above text. The illegal and unethical acts taken by the seller agent and the appraisal company and anyone involved in the cover up there in. 

Everyone wanted to steal the {$2200.00}, that the house didnt appraise, for from my fianc and I. Everyone benefited from this collusion except for us. This collusion made us feel cheated, disgusted, and distrusting in everyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am writing to request a review of the situation involving my PayPal account. I had my account unexpectedly and permanently blocked. I had responded to all the required information by PayPal and followed all of their rules and regulations as I had agreed to when I signed up. Despite this, they have frozen my funds for 180 days and canceled my account. I am familiar with the importance of timely reviews to maintain PayPal 's status as a secure platform for customers and merchants. I have done nothing wrong and have not engaged in unethical behavior. I am a website designer and use PayPal to collect payments from clients for the work I do on their websites. I would appreciate if PayPal did another investigation and restored access to my account. My PayPal address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XXXX XXXX XXXX, I submitted a complaint to the CFPB regarding the persistent refusal of Clarity Services to provide me with the sources of information found upon my consumer report and within my consumer file. I have filed numerous complaints regarding this issue and even spoke with the compliance XXXX after filing a complaint on XXXX XXXX XXXX The Fair Credit Reporting Act clearly mandates that a credit reporting agency MUST disclose the sources of information upon request by the consumer. I complied with the FCRA when requesting this information timely, provided written notice to the address specified by the business entity, and provided supporting and authenticating documents. I have spent in excess of {$500.00}, not including lost wages and lost wage-earning opportunities. The specific items of information which is the subject of this dispute and complaint are items of information stemming from acts of identity theft. See CFPB complaints XXXX 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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
On or about XX/XX/2022, I received a call from an Avant representative regarding my late payment from XX/XX/2022. I explained to her that I had been very sick and was still sick in bed. The representative was nice and she offered to waive my late fee since I was sick, which I thought was very nice of her. The representative stated that when I was able to call back in a couple of days, the fee would be waived. 

I called back in a couple of days to make my payment and requested the late fee to be removed as the representative stated would be done. Instead of doing a credit while I was on the phone, they put in a request, which I received an email a couple of days later stating that the request was denied. I called back to inquire as to what was going on and no one seemed to have the basic comprehension or basic understanding of banking principles, that they were obligated to uphold what was offered by the representative to the customer. 

The misrepresentation from the Avant customer service team appears to be very unprofessional and highlights that they are untrained in basic consumer affairs regulations and principles as well. 

It is against basic banking principles and consumer affairs regulations, to misrepresent offers and or services to the customer. 

This has gone back and forth with them for a month and they were also warned and informed not to report the account 30 days late to the credit bureaus, since it is under dispute, which they did, in violation of the FDCPA and other regulations. ( Which again, they appear to not have any understanding of ) I have recently called to close the account and notified them that I will be handing the matter over to legal counsel to review my credit report for reporting violations and banking ethics violations. 

I will ask counsel to file suit in the XXXX of Virginia, asking for damages and remedy for the above banking and consumer affairs ethics violations. I will be seeking the maximum {$5000.00} in civil court damages as well as being responsible for all legal fees. 

This started out as a very simple late fee issue and has been turned into a mess by your associate company Avant. To me or any other customer, removing the late fee as offered and promised by their fellow employee, is and was just the point of the matter. 

In an email that they sent to me, someone tried to gloss over the fact of upholding the representative 's offer and promise, with gibberish from the basic cardholder terms, further insulting my intelligence, because the basic cardholder terms, had nothing to do with the offer and promise by the representative. 

They mentioned XXXX in a response to me, which again was written by someone who failed to address the correct facts of the matter and which only made you a party to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Please be advised that I have been scammed by a fraudulent company and individual and the payments were authorized and proceeded by your organization. 
I have attached my complaint letter for your reference, I ask you to treat this matter seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Yes my name is XXXX XXXX and Transunion are reporting accounts as delinquent on my credit report. I spoke to all the creditors and ask them is they reporting that and they said no they see that I have on time payment these creditors are XXXX. Applied bank Showing XXXX missed payment when I paid XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing XXXX missed payment that showing delinquent payment when I paid Ontime All XXXX asking Transunion to do is remove those late payment from these accounts because it inaccurate I never been late on my payments there are a dispute already in place but I need this to be expedited because this is hurting my score I already spoke to the creditors and they advise me that Transunion is reporting my account inaccurate and it need to be fix or I will get in contact with my attorney general please remove those late payment that showing for applied bank And XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-19 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: VA

Complaint narrative:
My mortgage is showing up twice on my Equifax Credit Report. I have tried submitting several disputes and they just return a decision stating that it is correct. The mortgage loan is clearly duplicating with the same loan number, same balance and same monthly mortgage payment twice. I clearly do not have two mortgages with the exact same information. This has greatly hindered my credit score and my ability to obtain financing as my XXXX is calculating significantly higher due to such a large loan being duplicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 identity theft showing on my credit report again and i was told by equifax i had to report to you all about the fraudulent accounts on my file. As follows the are fraudulent accounts that should be removed from my file immediately. XXXX. ( XXXX XXXX amount XXXX ) opened XX/XX/2022 next account XXXX  amount XXXX next account ( XXXX XXXX XXXX ) next XXXX XXXX XXXX next ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) next ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I received An email that there was a major derogatory on my credit report and I was Checking and it said there was a collection from XXXX and XXXX for {$370.00} I believe someone is using my identity because few months back I received a call from a bank asking if I was trying to purchase or apply for XXXX and XXXX and I said No and they said thank you for confirming its not you. And today it says it Was in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: SC

Complaint narrative:
Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXXN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account.

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 2023-01-19 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: LA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2022, a XXXX transfer of {$220.00} was made to my account without my authorization. I reported this fraudulent transaction in person at my local TD Bank branch and filed a claim for reimbursement. After a delay of several weeks, I received correspondence from TD Bank denying my claim without much detail. At the time I reluctantly accepted that decision assuming I had no recourse. However, I recently discovered an article in the XX/XX/2022 edition of XXXX XXXX XXXX XXXX ( copy enclosed ) that reported the following : Banks are not repaying customers who contest unauthorized XXXX payments. This practice potentially violates federal law and XXXX XXXX XXXX XXXX ( CFPB ) rules. 
XXXX claims to have a XXXX-liability policy for cases in which a bad actor gains access to a consumers XXXX account and uses it to make unauthorized payments. 
The Electronic Funds Transfer Act ( EFTA ) and the CFPBs Regulation E require that banks repay customers when funds are illegally taken out of their account without authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
On XX/XX/2022and XX/XX/2022 over 120 withdrawals were made out of my checking account with First Horizon Bank. The bank stated the withdrawals were made by my deceased daughter XXXX XXXX. XXXX XXXX is not an authorized user on my account. There was over 120 small amount transactions made. The account number is XXXX XXXX. The account ending in XXXX is and account that I XXXX XXXX and XXXX XXXX joint account. The bank doesn't have any written consent on file stating XXXX XXXX is able to withdrawal out of the account ending in XXXX. The total amount stolen out of my account is {$12000.00}. The bank is stating that the funds were put into a account that I XXXX XXXX and XXXX XXXX had together. These transactions were made by a online scammer. I had previously notified my bank XXXX weeks prior that my identity was stolen and not to let any online transactions go thru. The funds that were taken was funds for Hurricane Ida and now im unable to finish my repairs on my house. I reported the amount stolen to the XXXX Police Department. The police report number is XXXX. First Horizon Bank phone number is XXXX. Please help me get my {$12000.00} stolen back. According to FDIC guidelines any unauthorized withdrawals out of an account get full reimbursement. First Horizon Bank is stating because XXXX XXXX transferred money to the account with my name on it that to them thats a legal transaction. XXXX never had written consent to transfer funds. Plus id like to know how a deceased person can transfer funds in the first place. I desperately need my {$12000.00} to finish my house repairs. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: MO

Complaint narrative:
XX/XX/2021 I put a downpayment on a car with this company Westlake financial of {$2000.00} and also paid {$980.00} in additional charges for having it XXXX months, they're in violation of the truth in lending act as I paid cash and a downpayment on my vehicle they're also in violation of XXXX XXXX XXXX and XXXX XXXX XXXX I would also like to use my right to rescission and collect all remaining funds from the vehicle plus my down payment and my money for installments I would also ask to dispute this charge off of my credit report as it hurt my XXXX XXXX for the remaining time

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 2023-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 

Mohela is denying my application because the authorized official is not authorized to certify employment. However, my application was signed by HRIS Specialist, who is authorized to certify my employment dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation