vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDYK MORTGAGE CORPORATION
State: NJ

Complaint narrative:
The loan officer XXXX XXXX NJMLS # XXXX for VanDky mortgage company was disclosing my personal financial information through phone communication with my realtor XXXX XXXX, from XXXX XXXX XXXX XXXX NJ. The information that was shared was about my income, bank account withdrawals, and child support that I receive for my child. I have recorded evidence of this exchange. As the realtor recycled back to me the exact identical information that I only disclosed with my loan officer in order to apply for a home loan. I have both complaints with mortgage company and XXXX XXXX XXXX. However, my privacy have been violated and I was taken advantage of because I am a first home buyer. I am in need of assistance in order to officially report this and seek help. Please may someone get to me in this matter. My number is XXXX. In addition, the loan officer left stranded with my lawyer and seller with no information on whether I was approved for the loan or not. This was after in retaliation to reporting to the mortgage company what was going on. I have recording evidence and can send that you email. Please can someone contact me. I appreciate it. 

Thank you XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I've been trying to fix my credit for the last couple of years I think I've been doing a good job about it now this suggestions that I get from XXXX XXXX is try to get loans every time I tried I don't succeed I also tries to apply for a credit card with low interest and to merge all my credit cards and pay a lower payment a month.and still get denied. Now I get punished for the next 2 years because that was considered a hard inquiry. My XXXX XXXX was XXXX when I started repairing it and now it's XXXX but everytime i try to do good you keep dragging me down. Likes it's impossible to get a head. 
Thank you 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 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I need this account to be reviewed and removed. I give permission for my insistent phone calls to customer service to be heard. The first call should be reviewed and it is 1 day after having acquired the credit I made a call to make the return and it was not accepted. The rest of the days it was USELESS to achieve communication with this company since they DIDN'T PROVIDE ME CUSTOMER SERVICE, they blocked my calls, they can verify it and their service was NEVER FUNCTIONAL, I don't have to pay!

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 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
name : XXXX XXXX 1. i have been charge more than XXXX more interest on my account since the purchase is about XXXX dollars. 
. 2. I have never receive any notice about the promotion expire, if i do receive a notice, I will do whatever i can do to pay the XXXX dollar balance instead of paying huge amount interest. 
3. I have set up an auto pay with the brandsmart staff, who told me everything is all set, i dont have to worry about anything. 
4. Even i did not pay off the total amount within 24 month, i supposed to pay the interest for whatever the balance is. 
5. I did not receive any letter or notice saying that i will be paying a huge amount of interest, specially during XXXX XXXX pandemic, they should offer more time it is really a difficult for me to pay this crazy amount, and all the bank are trying to help customer to go through this difficult time, i hope they are the same, in the website they are saying the promotion period is extended. 
6. I was put on hold 40 mins in order to talk to a account manger and I got hang up when I was talking.

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 2020-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
" XXXX '' app can not access my checking account to round up my credit card purchases for me to invest. 
this is new. it worked great last year why do u deny access now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC is prohibiting linking to 3rd party providers such as XXXX XXXX trying to deter alternative investment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, I opened a new checking account at Simple. Followed the instructions provided to link an external account to transfer funds into this new checking account. 
I also followed all instructions to provide proof to verify the linked account. 
The I transferred {$55000.00} into this checking account from my external linked account. 

In order to take advantage of the 1.00 % APY, I opened a Savings Goal account in Simple. Trouble started after this. 
I was not able to move any money into the savings goal account, with no explanation provided as to why. I notified support and I was given no response for more than a week. After multiple notifications to request answers, I was told I had not verified my external linked account. When I provided proof that I had indeed verified, they again stopped all communication. 
It has been 1 month since this and now, they have frozen my account, denying me access to my {$55000.00} completely. No one seems to know what is happening, except my hard earned money is stuck within their system. 
Repeated requests only get a response that they are working on it, but for the last one month, there is no evidence of any progress on whatever they are working on. 

On XX/XX/2020 I requested to close my account and initiated an ETF to transfer all my funds out. This was also denied. They cancelled my ETF request with ACCOUNT FROZEN and no further explanation provided. 
The bank has so far, refused to work with me to solve this, and deflects any request for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX has been reporting the incorrect balance since XX/XX/2016. They reported the car was sold at a auction and the new balance is half of what they are reporting. I contacted the office to make them aware and requested a printout in which I received. I also contacted the credit bureaus in which no update was ever made to the account and provided them with the paperwork. This is causing harm when I apply for loans because its showing I owe more than what is owed. I just want the issue resolved. XXXXXXXX XXXX has charged this account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
On XX/XX/2018 this company was on my credit report .i reached out I never received a response

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This dispute is connected with a previous complaint ( complaint # XXXX ) where at over 8 years, XXXX XXXX XXXX is still reporting on my credit report. The creditor was included in a bankruptcy and when contacted after the discharge. I was told by a woman representative of the company. That the company was within there right to report outside of the bankruptcy. In the previous complaint, I had to make a claim against XXXX for its lack of willingness to investigate the matter. And XXXX XXXX XXXX attempted to displace its responsibility in the matter. I disputed the claim that the account was too old with XXXX XXXX and it was promptly removed. I disputed it with Equifax and their response is that XXXX XXXX XXXX said the debt is reporting accurately. Despite me noting in the claim that debt is too old to be on my credit report. This claim is against Equifax and XXXX XXXX XXXX ( again ). Regardless of the category of this claim. XXXX XXXX XXXX should not still be reporting on any of my credit files after the legal retention period. And if approached by the credit bureaus. Should not still relaying inaccurate information as accurate. Now, XXXX XXXX XXXX is blatantly violating the Fair Credit Act and in plain site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have tried contacting the company representative was rude and disrespectful also trying to use a cellphone number and address which is not mine to prove the debt was mine without my consent and I didn't consent to any of the information. Then the supervisor did not help the situation which was over two months and now my mom stated I letter came to her address for me and when I open the letter it was from the company and I was upset cause they was using my mother information which is not true and I advised them my identity was stolen twice which I had to report to the sheriff department include provide my fingerprints cause it had to with criminal charges as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
DENIED ACCESS TO SAFE DEPOSIT BOX Have tried since XX/XX/2020 to get access to safe deposit box located at ; BANK OF AMERICA XXXX XXXX XXXX. 
XXXX, Ma. XXXX. 
Because of virus, notice on door directs customers to go online to make an appointment to access box. I have been on website, filled out form only to be told " We're reviewing your request ''. They took out {$260.00} for payment of my box in XX/XX/2020. 
I can not access important papers, title to car, will, and IMPORTANT HEALTH DOCUMENTS. 
I then went to a financial center of Bank of America and spoke to XXXX who stated that the woman in charge of answering emails was out for 3 weeks. 
I need help getting access to papers, and information in my box.

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 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United PanAm Financial Corp.
State: MD

Complaint narrative:
This dispute is connected with a previous complaint ( complaint # XXXX ) where at over 8 years, United Auto Credit is still  reporting on my credit report. The creditor was included in a bankruptcy and when contacted after the discharge. I was told by a woman representative of the company. That the company was within there right to report outside of the bankruptcy. In the previous complaint, I had to make a claim against XXXX for its lack of willingness to investigate the matter. And United Auto Credit attempted to displace its responsibility in the matter. I disputed the claim that the account was too old with XXXX XXXX and it was promptly removed. I disputed it with XXXX and their response is that United Auto Credit said the debt is reporting accurately. Despite me noting in the claim that debt is too old to be on my credit report. This claim is against XXXX and United Auto Credit ( again ). Regardless of the category of this claim. United Auto Credit should not still be reporting on any of my credit files after the legal retention period. And if approached by the credit bureaus. Should not still relaying inaccurate information as accurate. Now, United Auto Credit is blatantly violating the Fair Credit Act and in plain site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02 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: NC

Complaint narrative:
I previously sent XXXX three dispute letters letting them know I was a victim of identity theft and to also remove the bankruptcy that was on my credit report that XXXX and XXXX have already removed from my credit reports. As a result of me being a victim of identity theft, I placed a security freeze on all three of my credit reports and also XXXX so I completely don't know how TransUnion is verifying that this account is accurate and it belongs to me because I also have a copy of the fraudulent identification card that's attached to that bankruptcy address that I never lived at.

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 2020-08-02 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: CT

Complaint narrative:
EQUIFAX IS BREAKING THE LAW. ITS BEEN WAY OVER 60 DAYS AND THEY REFISED TO FOLLOW THE FCRA AND REFUSE TO REMOVE THESE UNVERIFIABLE INFORMATION FROM MY CREDIT REPORT. THEY ALSO REFUSE TO UPDATE INFORMATION AND MISS PAYMENT THAT SHOULS BE REPORTED AS ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I have made 3 complaints now. I do get responses. In the response to my complaint they said If an account is late thirty days they assume you abandon the property and send a person to drive by. I believe my late fees were {$560.00} because I was just over 30 days. Is that legal? 
Second, they keep sending information I have a 2nd mortgage of {$36000.00} from my loan modification. It should included in the {$110000.00} balance. The invoice shows {$110000.00} on one page and then the next page with no details jumps to {$150000.00}. Even if the {$36000.00} isnt in the {$110000.00}, {$98000.00} or even $ {$100000.00} does equal {$150000.00}. 

I was told they could not lower my principal balance and that is why I wanted the upside down modification at the time Obama was offering. I have statements saying my estimated balance is {$150000.00} with the 2 mortgages together. I received their response and I am told it is {$110000.00}. That is a large difference to me. My balance was {$98000.00} to {$36000.00} equals {$130000.00}. This company is taking advantage of the lower income and I think the entire account needs gone thru line by line. What is an accounting company that would do an examination of the account to the XXXX days? I did bankruptcy in XXXX and paid every payment until XXXX when it ended. I have all the documentation from all names they have used. Can they charge me 30 day late for someone to come look and take pictures of my house. I think, its more like 90 days before they can do this. 

Is there other agencies I can send copies of my loan to to see if what is going on is legal and is my balance {$130000.00} or {$150000.00}? 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
I do not have a contract with this company collecting a debt. I have never received any information related to this debt. I have disputed this debt and have not received anything from this company. Please provide a contract where I had services to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: NC

Complaint narrative:
I previously sent XXXX three dispute letters letting them know I was a victim of identity theft and to also remove the bankruptcy that was on my credit report that Equifax and XXXX have already removed from my credit reports. As a result of me being a victim of identity theft, I placed a security freeze on all three of my credit reports and also XXXX so I completely don't know how TransUnion is verifying that this account is accurate and it belongs to me because I also have a copy of the fraudulent identification card that's attached to that bankruptcy address that I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I was a student at XXXX XXXX XXXX. In 2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. 

Company 's Response ear Mr. XXXX : We received your complaint from the Consumer Financial Protection Bureau ( CFPB ) regarding account XXXX. Further review of the account confirms it is " paid in full by claim. '' The account has been marked closed and flagged for no further communication. We would like to thank you in advance for your understanding and ask that you feel free to contact us if you have any questions. Our offices can be reached at XXXX ; Monday-Friday from XXXX XXXX XXXX ( PST ) and Saturdays from XXXX XXXX XXXX ( PST ). Sincerely, Customer Service Activate Financial , LLC. 

My complain is PEAKS Loan is still asking me to repay this loan even after this loan have been paid in full looking at the response above. My credit score is been impacted by this loan. PEAKS have been avoiding my calls after trying on multiple occasions to fix this problem.

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 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After I enter my personal information, i get a denial to access my yearly credit report with any agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2020 the governor of Massachusetts shut down our state over concern about the COVID-19 virus. 

As a result my wife and myself were both laid off from our jobs. 

In early XXXX, Bank of America, being our mortgage holder, graciously offered us the opportunity of a three month payment postponement which we took advantage of ( see copy of acceptance attached ). 

The agreement states that " the three months postponed payments will be due at a later date, after the three month period has ended. XXXX will work with us on repayment options, including the potential option to add the payments to the end of our loan ''.

The three months have now passed and Bank of America is now threating foreclosure if we do not pay {$9100.00} in missed payments and late fees. XXXX was not serious on working with us on repayment options since they have the payment after the three months " payment postponement '' period. 

This agreement is clearly a scam on Bank of America 's part to collect late fees by delaying the payments required. 

This is also troubling since we are both still unemployed and risk losing your home. 
Additionally XXXX XXXX may be violating our Governors eviction moratorium by threatening us with foreclosure.

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