vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX   XXXX amount of {$17000.00}. 

On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX   XXXX amount of {$17000.00}. 

On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX   XXXX amount of {$19000.00}. 

On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX   XXXX amount of {$19000.00}. 

On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$18000.00}. 

On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$21000.00}. We were asked to close on XXXX. 

We purchased our home in XX/XX/XXXX. We are entitled to a title premium discount of 50 % according to the Texas XXXX : XXXX XXXX XXXX 

On XX/XX/XXXX, I requested an updated Closing Disclosure for us to sign, reflecting the new XXXX XXXX  XXXX amount quoted in the email, and also reflecting the premium discount. I received the following response on XX/XX/XXXX : " You signed a closing disclosure at the end of XXXX, that took care of the 3 day waiting period. The title company is working to balance and finalize docs and I should receive it tomorrow. The title premium discount lowered the premium for the title insurance, the lowered title insurance premium is shown on the last closing disclosure that I sent you. '' It is now XX/XX/XXXX. According to ( 1026.19 ( f ) ( 1 ) ( ii ) ( A ) ), we are supposed to receive a Closing Disclosure with the exact XXXX XXXX XXXX three business days prior to closing. 

XXXX is a Tuesday. Walking backwards : Monday, Saturday, Friday marks three business days, ergo Thursday XX/XX/XXXX is the latest we should have received the Closing Disclosure. 


On XX/XX/XXXX, I instructed SoFi to cancel the closing pending the outcome of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: SC

Complaint narrative:
On XX/XX/2020, I received an email from Experian suggesting I click on Boost My Score, which supposedly uses bills that you pay through your bank account that are not reflected on your credit report to boost your FICO score. Before doing this, my Experian score was XXXX. After clicking Boost My Score, my Experian FICO score dropped 36 points to 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 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. BANKRUPTCY XXXX DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$200.00} XXXX   XXXX {$510.00} XXXX XXXX {$420.00} XXXX XXXX {$290.00}

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 2020-07-31 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. BANKRUPTCY XXXX DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$200.00} XXXX   XXXX {$510.00} XXXX XXXX {$420.00} XXXX XXXX {$290.00}

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 2020-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/20 - one phone call XX/XX/20 - one phone call and message XX/XX/20 - one phone call and message XX/XX/20 - two calls and messages XX/XX/20 - several calls. Answered once, told person NOT to call again. Hung up. She called 5 times in a matter of three minutes. Then called me again a half an hour later. The company has been calling my job several times over the past couple of weeks. They have been told before, about a year ago, to NOT call this number. They told me that they had removed the number from their records. Obviously they had not. 

When I called them after work today, I talked to one person who told me she had removed the number from my account. I was then transferred to a supervisor who then told me he saw the number and HE would remove the number from my account. It's apparent that they do not remove numbers from the accounts. I expect I will get a call from them again.

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 2020-07-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Visited XXXX XXXX XXXX XXXX XXXX, store # XXXX on XXXX & XX/XX/2020. There was a sign posted stating you could save 20 % on your flooring project. Confirmed with three separate employees that this would include the whole flooring project materials and installation. I was advised all I had to do was apply for their credit card and use it for the purchase. Agreed to sign up for the credit card under this condition. I then took the paperwork from the flooring Department along with my credit card confirmation to the front desk to cash out. There I was advised I would only save 20 % off up to {$100.00} of my project. After hearing this I complained to the manager and also called corporate and the credit card company. I requested they honor what they promised me prior to agreeing to apply for the credit card or cancel the card and suppress the hard inquiry on my credit they refused and to this date have not supplied even an official dispute address to send a written dispute. It is worth mentioning that when I went back up to the flooring Department to take a picture of the sign they were in the process of providing the same false information to another couple who stopped dead in their tracks when I told them it was only 20 % up to {$100.00}. Unless this is rectified immediately I fear many other customers will be lied to in order to sell additional credit cards

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 2020-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MI

Complaint narrative:
On XX/XX/XXXX I called XXXX and they told me that if I paid the account that they would remove it from my credit report. They told me it was 72 hours to process and 45 days to remove from my credit file. SO i did my part and I called the collections agency and paid said account. Here it is XX/XX/XXXX and it is still on my credit file showing a XXXX balance, nonetheless still on my report. I was told this was going to be removed. So i went ahead and called the credit collections company Enhanced Recovery Company XXXX and they told me to call XXXX. So i hung up called XXXX, they bounced me everywhere including the fraud department. I finally spoke with a person who told me to get back with the collection company and they are the ones that wll remove. I called ERC and they told me to contact XXXX that they have a contract with them and cant remove the collections from my credit file. I feel like a ping pong ball i lived up to my end I paid it they said they would remove it ... XXXX nothing has been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I'm trying to connect my account to buy stocks, but it is not allowing me to connect my PNC account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I contacted Equifax by certified mail three items ( mailed : XXXX, XX/XX/XXXX, & XX/XX/XXXX received : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX respectfully ) requesting an investigation into some inquires that were in dispute. I received responses claiming they were factual within days of sending these letters. In the last letter I requested a deletion unless they could provide any documentation they collected from the investigation and was provided with nothing except the same " verified as factual '' response form letter I do not believe a thorough investigation was preformed because of the quickness of their response and the complete lack of any supporting evidence. Also, I sent similar letters to XXXX and XXXX disputing the same inquires on the same date ( XXXX ) and they have yet to respond but Equifax was able to respond thrice in the same amount of time. This leads me to believe they relied on an automated system to respond to my disputes without doing any due diligence and are in fact unable to provide any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Unable to open a checking account with any other bank because BOA has flagged my XXXX XXXX XXXX account as fraud. I have been a victim if identity theft. This is doing damage to my name and my livelihood. I have tried to resolve this with Bank of America.

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 2020-07-31 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: NCB Management Services Inc.
State: NV

Complaint narrative:
I made a settlement offer to pay 50 %, on XX/XX/XXXX, of a cash loan that I received from the original owner XXXX XXXX  XXXX XXXX, to receive a {$0.00}, balance with the collection company NCB Management. Services, Inc. 
On today, I spoke with a supervisor XXXX XXXX, at NCB Management regarding my XXXX  credit report that has large C 's for each month starting with XXXX, XXXX. NCB did Not have my case file at this time because my account was not in Collection 's at that time. I asked Mr XXXX to please remove this error from my report of anything prior to the date he obtained my file, which he said it was XXXX, XXXX. I am also not certain if this is correct or not. He asked me to send him proof, I did so immediately. Afterwards, he had a letter emailed to me with my payoff amount. The lady, XXXX from this company wrote on the letter that I could not contact Mr. XXXX via email, but he just had me to send the proof via email of the Collections starting back before they acquired my file, and nothing could be done about the prior collection notes. 
This is not fair at all, I am positive that this company can do so but refuse to do so. 
With the pandemic everywhere and millions of jobs gone, we don't need this aggregation with our credit reports, as we are doing the best that we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off a credit card debt with a debt collector called XXXX XXXX XXXX ( XXXX XXXX XXXX  ) but I got 2 extra charges and the emails they provide on the website do not work. I have no way of getting a hold of them regarding this matter. Their LiveChat do not work and the 3 emails provided on the website sent me an error message. There was only supposed to be a 1 time charge for {$290.00} on XX/XX/20 but I got 2 more on XX/XX/20 for {$22.00} and XX/XX/20 for {$11.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I paid off a credit card debt with a debt collector called Portfolio Recovery Associates ( https : //www.portfoliorecovery.com/ ) but I got 2 extra charges and the emails they provide on the website do not work. I have no way of getting a hold of them regarding this matter. Their LiveChat do not work and the 3 emails provided on the website sent me an error message. There was only supposed to be a 1 time charge for {$290.00} on XX/XX/20 but I got 2 more on XX/XX/20 for {$22.00} and XX/XX/20 for {$11.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I been calling US Bank since XX/XX/20 and today is XX/XX/20. My balance is XXXX and Im unable to access the funds. Ive tried withdrawing the money multiple ways but it keeps declining. Every time I call the customer specialist says my card was inactive and hung up.

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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT BUREAU OF FARMINGTON, INC
State: TX

Complaint narrative:
CBF Services ; The Debt Collection Agency ; XXXX XXXX XXXX ; XXXX, XXXX sent me a collection letter on XX/XX/2019 ( the Letter ). I disputed the alleged debt mentioned in the Letter in full in a letter dated XX/XX/2019 sent via certified mail return receipt request # XXXX XXXX XXXX XXXX XXXX, which signed for by a XXXX XXXX on XX/XX/2019, which is within 30 days of the date of the Letter. 

CBF Services provided nether a proper nor timely written verification of the alleged debt that it is attempting to collect in accordance with the Fair Debt Collection Practices Act. CBF Services is, therefore, barred from any collection activity. 
C BF services has wrongly engaged in collection activity by placing derogatory information on my credit report ( s ) for XXXX, XXXX, and/or XXXX. I hereby respectfully request the CFPBs assistance in removing any and all of said derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened my Citibank secured credit card in XX/XX/XXXX. After 18 months, the card was supposed to go to unsecured and I would get my {$200.00} deposit back. I contacted Citibank in XX/XX/XXXX to make sure everything was on track to have the change happen, and get my deposit back, and i was told by the representative that it was. I have never been late on a payment, and the balance had been paid off in full since XX/XX/XXXX. The security deposit was supposed to be refunded on XX/XX/XXXX. I received a letter in the mail today that Citibank reviewed my history, and they are keeping my account secured for another 12 months, and holding my deposit. My credit score is good, and my track record with them specifically is excellent. They are playing games and going back on what they said initially. Upon contact, the representative was not helpful, and said there was nothing that could be done.The letter also threatens that if I close my account, the deposit will be be held another 3 weeks to pay against any balances or pending transactions. Again, there has been no balance or transactions made on this card since XX/XX/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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Collections Inc
State: WA

Complaint narrative:
I received a phone call the first part of XXXX from XXXX where she called my phone and asked to leave a message for my husband regarding a debt that he owed in Alaska to XXXX XXXX for over a XXXX dollars. She did not have permission from my husband to call me or leave a message at my phone. She then called me back and said that they also had an outstanding debt for me. She then called a few days later and I asked for the information in writing. I received a letter " FINAL DEMAND FOR PAYMENT '' saying that I owed XXXX   XXXX XXXX {$840.00}. I'm trying to find out how old this debt is as I can not find it on the court records for XXXX right now. 
She called yesterday and again today from a private number. She is calling me during work hours. She called and left a message at XXXX XXXX and then sent me a message to my email address to take care of this debt and resolve this within 72 hours or before they litigate this debt. I then got a message where she called my daughter this afternoon at XXXX and left a message with her that she is trying to get in touch with me over a debt. 
This is harassments. I have not had a chance to make any arraignments and she does not have my permission to contact my children. Sending letters that Not responding will lead to litigation is a threat!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I attempted to email MRS XXXX XXXX regarding an alleged {$50.00} debt, however their return email was sent back to my email as undeliverable. I also tried calling them 3 times and each time waiting on hold about 7 minutes before being disconnected and hung up on. 
I also contacted the original creditor XXXX XXXX and they verified that I do not have any accounts that are past due and that it may be a spam or potentially fraudulent attempt to collect on a debt that is not actually owed. They state the debt as being an account with XXXX XXXX but I have never had an account with XXXX XXXX. I am not sure who this collection company is or what their attempt is, I just don't want others to fall victim to schemes and scams like this. There's too many terrible people trying to steal other peoples hard earned money we don't need companies like this taking advantage of people that may not know better and end up paying on a debt they don't really owe.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I mailed by certified U.S. Postal Mail a response and evidence supporting my defense to XXXX XXXX XXXX XXXX XXXX XXXX, my response to XXXX XXXX XXXX is in response to XXXX XXXX  XXXX response the CFPB on XXXX XXXX I will only attach my response letter to the CFPB website. According to the post office XXXX XXXX XXXX should receive my certified response and evidence within two business day as of today XX/XX/2020 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 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo purchased flood insurance on my home and is billing me even though I have sufficient insurance and have provided proof. They claim the amount must match my home owners policy but that is not true as per the attached letter from them. I have {$170000.00} coverage which is the amount determined by the insurance company. In addition, I contacted Wells Fargo before placing this policy and was assured it was adequate.

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