vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: NJ

Complaint narrative:
Hello, I would like to file a formal complaint against Celink, a reverse mortgage servicing company. This complaint is in reference to my XXXX loan that is serviced by Celink. 

The complaint is regarding servicing and business practices related to payment of my loan. I am an XXXX year old senior citizen, live alone, and my only income is social security. From XX/XX/2020 through XX/XX/2020, I was hospitalized in intensive care with life-threatening XXXXXXXX  and XXXX issues related to XXXX and XXXX. From XX/XX/2020 through XX/XX/2020, I was in a post-acute rehabilitation facility for recovery. I live alone, and was unable to pay most of my bills. My son assisted me. The only real problem creditor was Celink. 

During my hospitalization, Celink refused to communicate with my son regarding any aspect of my loan, because he allegedly was not listed on the account as a representative. However, he has spoken to people in the past from Celink. In addition, he has submitted paperwork to Celink for authorization. Because Celink said he was not authorized to speak on my behalf and Celink does not have an online portal, there was no way he could pay or discuss the loan status. In addition, I could not fill out my annual occupancy letter because it had to be filled out and signed by me. As a result of the pandemic and my health status, I was not in a position to complete the paperwork. Consequently, the language in Celink correspondence threatens loan default if payment and occupancy certificate are not completed. My son felt helpless and scared that my home would be foreclosed upon because of Celink 's intransigent attitude. 

Quite frankly, Celink is heartless. Although they have granted extensions on loan payback, generally they have not been helpful nor communicative in assisting me. In the past, I seem to get different answers to the same question. I have repeatedly requested online access so that my son could assist. There have been mail delivery issues in my community, so he wants online access to pay my bills, especially since I am not ambulatory and the mailbox is a distance away. 

I don't think it is right the way the way Celink has administered my HECM and I would like to request assistance from a regulatory agency to ensure I am not evicted onto the street. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My bank locked my internet account access, presumably after I tried to complete a new operation on XX/XX/XXXX ( transfer of monies to a friend in the US via XXXX ) which my bank blocked before proceeding to lock electronic access to my account. 
I contacted my branch, requesting them to unlock access ; they told me they couldn't do anything, and sent me to the phone number indicated on their internet webpage. I can't physically go to my branch, since I am currently residing abroad ( till XXXX ). 
I have tried this number ( XXXX ), twice and several weeks apart, the most recent ( and last ) today XX/XX/XXXX. In both cases, the call starts by being told that the wait is at least 20 minutes, and then the wait proceeds to be much longer than that - I gave up on the first call after about half an hour wait. On today 's call, the wait was 39 minutes before someone picked up the phone, only for the call to drop a few seconds into it. That decided me to file this complaint, I am done with this. 
It is obvious that their phone 'service ' is designed to fail, and keep people away. 
The outcome is that I have some XXXX $ on an account I can not access nor do anything about it ; not very far from legalized theft in my book ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
I was offered a position at XXXX XXXX and proceeded with my background check. I have no criminal history and have never been arrested. I received a phone call from the HR department at XXXX that my background check came back with a XXXX   XXXX charge from XX/XX/XXXX-XX/XX/XXXX. The report submitted to XXXX stated the Case Number, my married name and my date of birth. I contact First Advantage and filed a dispute. Upon further investigation of my own, the woman who was charged had a very similar maiden name as me and our birth date is one number different. I was able to speak with someone at First Advantage and they said if there are any two matches in any category it flags their system and then they do further investigating to see if it's really that person. They then transfer the information manually to my background check report. My concern is that they then transferred the information incorrectly into their system and provided XXXX XXXX with VERY inaccurate information. They inputted my married name XXXX XXXX XXXX and my date of birth into their background check file for XXXX. XXXX from First Advantage told me that she spoke to her manager and that this could have been a " clerical error on their end '' while manually entering the information. They didn't do their due diligence to make sure the information was correct before providing my background check to new employer who is now second guessing if I'm the right candidate. My dispute was filed on Thursday, XX/XX/XXXX. I understand there was a weekend and we are in Covid-19 crisis and many courts are closed or limited. I understand my maiden name is common and there are many XXXX XXXX ' out there, but if they just would have entered the information correctly this wouldn't have a been in issue and I would have been able to sign my contract. No resolution or additional information has been provided by First Advantage. I want to make sure that if there is EVER a case of manually adding information to a background check that this information is triple checked and this doesn't happen to anyone else. I know this will get resolved in due time since this is 100 % not me, but my reputation and job is still at jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is in response to file number XXXX. 
Comenity Capital Bank, XXXX XXXX XXXX XXXX responded on XX/XX/2020 that I used the account and failed to close it in thirty days. 
The document provided did not show terms and agreements with the option to cancel within thirty days. 
I contacted XXXX XXXX XXXX XXXX on XX/XX/2020 requesting an explanation on the approval of the loan and to have it withdrawn as stated in the following emails communication between XXXX XXXX and myself thus their statement of failing to contact the Company or vice versa is false : XXXX  XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX to solutions Customer Care, I was recently approved for a loan {$11000.00}. Can you provide me with the application and an explanation of the criteria used to approve the loan? 
Best Regards, XXXX XXXX. 

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX to me Hello, Thank you for contacting us here at XXXX XXXX XXXX XXXX XXXX I would be happy to assist you today. 
I am unable to locate an approval for you on my end. Did you apply for a personal loan or a patient solutions account? If you applied for a patient solutions account, you would need to give us a call for assistance. However, generally speaking, we look at your entire credit history to determine if you are eligible for financing. We have no minimum credit score requirements. 

If you have any questions, we are here Mon-Fri XXXX EST. Our phone number is XXXX. 

Thank you!, Questions? 

Text us at XXXX or click link below to chat live! 

cid : XXXX XXXX XXXX EST __________________________________ XXXX XXXX Chat & Email Specialist XXXX XXXX XXXX XXXX XXXX f XXXX On XX/XX/2020 I called XXXX, spoke to XXXX XXXX Informed the loan was approved based on my credit score. I told him I am unemployed, I can't repay this loan and have it removed. He said I will get documents in the mail to cancel the loan but the documents I received was another bill and a loan increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NV

Complaint narrative:
I had issues with paying the monthly payment amount for my student loans from Sallie Mae. I was enrolled in their term and rate reduction program and my payment was reduced to {$610.00} / mo which I could afford. Speaking with their many representatives, I was assured that after the 6 qualifiying payments, I wouldn't have to make a payment in XX/XX/2020 and that my next payment of {$610.00} would be charged in XX/XX/2020. I agreed because the payment was almost 3 times lower than the original monthly payment amount would be. Well I wake up today, XX/XX/2020 and find out that my monthly payment is not actually the {$610.00} agreed upon but instead it is {$1000.00}. I was never told by any Sallie Mae representative that the monthly payment would be the {$1000.00} instead of the {$610.00} agreed upon, in my many calls with Sallie Mae. I can not afford the {$1000.00} payment and my bank account is not letting me stop the payment. Sallie Mae said they can not do anything and that I have to let my account go past due in order to renegotiate the payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX we started the process to refinance our mortgage with AmeriSave. We submitted all the requested info and was advised that our rate would be 2.875 and we would close within 45 days. After 45 days I was advised that we would be closing. 2 weeks later they were delaying the process by asking for items that had already been verified and claimed that the loan was locked. We were advised several times that they could not provide us with a disclosure indicating our request to lock the rate at 2.875 and was advised 3 days prior to closing it had been locked only to find out the closing had to be rescheduled to the following week. Once we asked to speak to a manager who called the day after our cancelled closing, The manager advised that the loan had not been locked the day after we had been scheduled to lock. We felt we were a victim of lies and asked that our application fees be refunded as we would not proceed. The customer service was awful and was personally insulted by the loan processor. This conversation was recorded the week of our closing. I recommend someone listen to this conversation. I felt lied to by this company and have requested that our application fee of {$500.00} be refunded. The manager I spoke to felt that indeed I was lied to and offered us {$2500.00} to go forward with the loan. I advised them I would be filing a complaint but they didnt seem to care. This is a form of bribery and feeling they were caught breaking some sort of disclosure law. The documents I had received prior to closing did not indicate a locked rate because it had not been locked therefore offering something that they didnt have! Upon further review I have noted that there have been several complaints against this company. The bait and switch needs to stop! I am requesting the {$500.00} non refundable application fee be issued to me immediately as I was lied and tricked into believing this was a reputable company. It is not!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When looking over my report I went through and found some discrepancies on my report. Experian and XXXX XXXX are reporting 11 Charge offs on my report also as well as dates of payments negative reports and balances. I have requested validation of the account countless times, and have only received e-oscar verification from experian. I also I have also contacted XXXX to validate account and was told the account was sold to XXXX XXXX. When I sent a letter to validated with XXXX I was told the account was back with the original creditor XXXX. I have looked at my report countless times and nothing shows this account to be accurate, true or that it my account. This error and Item in question on my report made by all parties involved including Experian is on my repoert.

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 2020-06-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am having issues with TD bank they are letting people steal my money with no verification but when I want to transfer money they decline me fro using my money! Hold and wait times on the phone last forever I cant get ahold of anyone and this is absolute chaos. Very unprofessional and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: DC

Complaint narrative:
When I set up my account at SoFi money, there was a promotion to receive 5 % back on purchases made with the SoFi debit card within the first 60 days. 

I made a purchase on XX/XX/XXXX for {$1000.00} using my SoFi debit card. 

However, I don't see the 5 % back. When I contacted the bank, I was told the promotion was changed after I signed up for the account. 

This is a gross violation of the terms under which I opened the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
This debt was removed from my credit months ago and has reappeared. 

I need this removed immediately, I don not owe this debit and it is affecting me from moving in to a new apartment and buying my family a house. 


I will attach screenshots of when this debt was removed.

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 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I seen some unauthorized transaction on my cash app account, I XXXX cash app phone support and it generated the following number XXXX the people from that number got into my account by making me download XXXX XXXX XXXX, from there they took all my money and closed out my cash app account. 
I XXXX the same thing and they changed the number to XXXX My cash app had about XXXX in it, I called because I was missing {$300.00} They managed to add more cash, One transaction for {$500.00} another for XXXX then they used XXXX to send {$500.00} to a person named XXXX XXXX with the email address XXXX So I am now out {$4200.00} I made complaints to cash app, they have no customer service I had to go through XXXX, then they finally responded, I got a case number on XX/XX/XXXX and they tell me that it takes 45 days to complete An investigation, on XX/XX/XXXX I got an email stating my case was closed as they havent heard from me, then when you respond to the emails you get an automated response stating they dont monitor that email address anymore. 
Now they dont answer my messages on XXXX or report me as a robot, I just want my money back and I am also seeking a lawyer I also received a black cash card with my old account name $ mltier that account was stolen from me and I dont know what to do with it. 
Also the person who stole my account changed the name to $ mltic and was requesting money from all my friends I have attached all photos

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Total Card, Inc.
State: FL

Complaint narrative:
I had called and I want your help to remove this off my credit. It should be off my credit history it been more than a year. I paid and wait 90 days .May you please contact transition or the collected. I didn't knew it would be this difficult to have it remove. I understand the bank see it paid and closed. A great person refer me to You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NV

Complaint narrative:
Ive been reported late from my mortgage co for the second time now. I originally reported and disputed on XX/XX/XXXX. XX/XX/XXXX, I recevied they reported my mortgage late again when the mortgage has never been late and has been paid off ... .I disputed the first time and they reported again, this has cause me being unable to purchase a home. This has cause me not being about to purchase my new home and caused my score to decrese significantlly. I attached the letter they sent from the XX/XX/2020 reporting but they reported me late again on XX/XX/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 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I have an XXXX account that I used to be able to link to my PNC account for savings purposes. Sometime in the recent past PNC instuted changes that make it impossible to link my account anymore. I have lost a great convenience to my savings program due to this action. I would like them to re establish the link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened the credit card and charged items on it. I had been paying it regularly but missed a few payments due to financial hardship caused by hurricane katrina. I was speaking to a banker to let them know what was happening and I submitted a payment of the total amount due ( {$400.00} ) before the deadline they gave me ( 90 days ). However, they charged off my credit card anyway and " lost '' the {$400.00} payment. It was taken out of my bank account but never applied to my credit card balance. I tried to contact them numerous times including visiting branch offices but never could reach anyone who knew anything about my accounts. They did the same thing with a personal loan I had as well. Now I can't get anything resolved because they sold the debt and refuse to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: OR

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, I have received a letter from Synergetic Communication Inc, about a dent with XXXX XXXX XXXX, which i have never request a loan to this ban, i have sent a dispute via mail ( I am including Documentation to you as attachment ) Also in the letter, my name is wrongly with them they have XXXX XXXX XXXX, which i don't have middle name on my legal name! Who ever stole my identity did't know my real legal name! Please help me with this scam collecting company to explain this is not my debt and have never get money from this bank!! 
also on Credit report with the 3 credit bureaus this collection DON'T SHOW! So its something weird on this collection as scam! 

Thank you so much! 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I have been called several times from someone looking for XXXX XXXX, I have told them numerous times that I dont no this person. They say they will take my number Off the list, but they continue to call about someone and their debt that I dont know. They call everyday all day long it started on XX/XX/20, It has been going strong ever scenes. They are calling from XXXX the name of the company is Sunrise Credit Services

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 2020-06-08 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: EOS Holdings, Inc.
State: NJ

Complaint narrative:
EOS CCA continuously keeps reporting invalid information on my credit report. I've been disputing the inaccuracy of this debt and it's reporting and they continue verifying false information without actually validating the debt. 

This company is acting in bad faith. I've never done business with them or XXXX. Please request that this agency provides proof that this debt actually belongs to me, by adhering to The Fair Credit Reporting Act Sections 609 and 611 and providing the original contract bearing my signature, DOB, or SSN. 

This can't be done because I've never done business with them. 

The account in question is EOS CCA- Account # XXXX.

Company response to consumer: Closed with explanation