vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Recovery Services, LLC
State: MS

Complaint narrative:
Absolute Recovery Service at XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX has been sending me collection notices in the amount of {$4600.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I was never notified or have I been to court about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: PA

Complaint narrative:
Received a scam email Dear Debtor, Despite our continued requests and patience, your past due balance of {$1200.00} remains unpaid. 

We have reached the point that unless the balance is paid in full or satisfactory payment arrangements are made by XX/XX/2021 then we will have no choice but to refer your account to the courthouse for lawsuit. 

This is not a step that we like to take, but you have failed to honor your commitment. 

We did our part and are hopeful that you will do your part now. We are sure you will agree that a good credit rating is important for everyone. 

This is our final request for cooperation. 

Sincerely, XXXX XXXX Legal Department Cash Central

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I had fraud by someone on my unemployment account that Bank Of America handle they removed in total {$1200.00} dlls the bank closed my account stating it was the XXXX who close the account and didnt want to give me any information about my money just said the bank was going to investigate and reach back to me by phone which never happened, only received 2 letter saying my account was closed, I contacted XXXX and they said they were going to start sending me the payments by check and that they didnt have anything to do with Bank of America closing my account, so when I called again for the 10th time to the bank they said it was XXXX that has closed the account so basically they couldnt give me an update on the money stolen. And XXXX said it couldnt be them since my claim with them is perfectly fine, te problem is with Bank Of America, Im extremely desperate dont know if Im ever going to recover my money plus every time I call the bank for an update, theres a 4 hour wait just so the tell me I have to wait and that is XXXX who has my account bolck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is NO WAY Trans union, XXXX  or XXXX  can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between 660 and 700, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held hostage by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: OH

Complaint narrative:
As most American, lve been deeply affected by the Pandemic and my ability to stay afloat financially has been quite challenging. Ive contacted discover back on XX/XX/2020 and just today. I also just received a certified letter from Discover indicating that legal actions will begin on XX/XX/2020 from which legal judgment against me will follow. I was previously set up on a payment of close to {$300.00} for a balance on XXXX. I failed behind on those arrangement and called on both occasions to find payments alternatives, however, on both occasions, I felt as if discover was trying to coerce me into payments agreement I can not afford or maintained. They concerned is to try to prevent the charge off the account, even though me, the customer, can not afford. They keep stating that the dont want to exacerbate my ongoing hardship, but payment of close to {$300.00} for 24 months is something I should be able to do, according to discover, which is crazy as my finances paint a different story. The offered two settlements options today, one for over XXXX and another one, of over XXXX, both to be paid within 24 months. However, these range from close to {$300.00} to over {$200.00}. When I asked a longer than 24 months settlement for the reduced balance for over XXXX, discover stated it could not be done. Not an option for me at the moment, they say. The representative I spoke to a moment ago wanted me to accept a hardship payment for {$35.00} for 90 days, then paying the entire XXXX balance at the end, which and again, is not an option, but he wanted to know why I was not accepting this offer as he was trying to avoid the account from being charged off. He became aggressive even though I clearly indicated I wasnt comfortable with the hardship plan as it didnt address the main issue of paying back the XXXX owed, which I take full responsibility for. I dont have XXXX laying around today for Discover Credit card, I doubt Ill have that in 90 days to give to discover. The representative got so heated during the call that I politely thank him for his time and advise that I was terminating the call. Which I did

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TN

Complaint narrative:
Fraudulent Inquiries on my credit report. I have reached out to Equifax numerous times about the negative inquires on my credit report. I have asked that the following inquires be removed and they were not. XXXX XXXX, XXXX, XXXX, and XXXX XXXX are on my credit report.They sent me a letter saying the inquiries were verified. I am asking for validation and proof that it was me who applied for these. Equifax did not send any proof on how they were verified. I am sure they did not reach out to the companies regarding this matter. I am asking that the following companies be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rauch-Milliken International, Inc.
State: OR

Complaint narrative:
In 2019 XXXX started billing for yellow page advertising that was cancelled prior to the due date. 
XXXX was notified. 
XXXX sent an email verifying the amount was cancelled. 
2 different collection agencies continue to send demand letters, even after I send or fax them the verification from XXXX that the bill was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Week of XX/XX/2021, I received in the mail a Debit Card and a letter indicating that three DDA accounts were opened at PNC Bank in my name. 

This was not authorized activity and we had no existing business with PNC Bank nor did we apply for any financial products from them. 

We called PNC Bank on Saturday XX/XX/XXXX and spoke to a Fraud Officer and they said that they would open a fraud investigation and suggested we visit a branch for further assistance. We wanted these accounts closed immediately but were told that we would have to speak to someone in the Branch. We went to the branch on XX/XX/XXXX ( Monday ) and were told by the branch manager that it was turned over to the Fraud department and that they could not provide me with any information nor would they close the accounts when I requested them to do so. As I did not open these accounts, I am concerned that a money-launderer could be using my identity to commit financial crimes through these accounts and I wanted them closed to prevent my identify from being associated with any potential crimes. I also asked for some type of documentation to prove that we had reported this fraud to PNC to help reduce our risk and they refused to give me anything in writing to prove that I had filed this complaint with them. They said it was their policy to not provide anything in writing in these situations. 

PNC Bank refused to close the accounts and said that it had to go to their fraud department for handling. I asked them if the accounts were funded or if they could tell me what was going on with them and was told that they could not divulge any information even though the accounts are actually in my name currently. My goal in asking this question was to try and understand what risks I might be exposed to and to see if money was moving in / out of the accounts. However the branch manager quoted policy and said that they could not tell me anything. 

I am filing a complaint because a ) PNC Bank clearly has poor KYC / BSA policies if someone was able to open an account without my knowledge and b ) PNC Bank should be more helpful in trying to size the risk and address it appropriately. They said it would be up to 30 days before we might hear from someone on this matter. 
c ) PNC Bank should at least provide evidence that they have opened up an investigation to assist fraud victims, which may be needed to provide future innocence, etc. in the event of future issues that could come from the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
I sold my home at XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX on XXXX XXXX 2020. The funds from the sale of the home were used to pay off my mortgage with Cardinal Financial XXXX XX/XX/2020. After closing, I have an escrow refund due to me in the amount of {$590.00}. I have spoken to customer service agents on 5 different occasions. They all say that their records show that a refund check is due to me and that it has been sent but they can not give a routing # or any specific information about when it was sent. I have received other mailed information from Cardinal Financial but no refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Coinbase, Inc.
State: GA

Complaint narrative:
Although I can see my funds in Coinbase Pro, I can not remove them or transfer them. I have tried repeatedly to contact CoinbasePro, to no avail. At this point I want to cancel my CoinbasePro account and transfer ALL funds to Coinbase account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 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: NJ

Complaint narrative:
XXXX, Equifax, and XXXX  is publishing incorrect and inaccurate information on a closed account on my consumer report the account name is XXXX  XXXX  and or XXXX XXXX XXXX it has inaccurate and incorrect information according to the balance, credit limit, payment history, older derogatory events, closed date, last activity, terms, scheduled payment, company name and according to the FCRA they are violating the FCRA 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: CITIBANK, N.A.
State: NV

Complaint narrative:
While checking my credit report, I notice an account from CITI that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, see attached, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CITI is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Rent Recovery Solutions
State: FL

Complaint narrative:
I lost my job due to COVID and was no longer able to afford my rent for a few months. I applied and applied to multiple rent assistance programs and they were all filled up right away and had to close early because they ran out of funds. Fortunately I was accepted by the CARES ACT who were going to cover my missed rent for the 3 months I couldn't pay due to COVID. I talked to my complex about the aid so they were up to date and understood the situation, even after them knowing about it they continued to harass me about the rent due and I kept receiving eviction notices on my door throughout the eviction ban even thought I gave them all the documents necessary showing I was getting rent assistance, proof of loss of income due to COVID etc.. This made the situation even more stressful. Before this situation I had never been late on a single rent payment and had always been a reliable, trustworthy tenant. 

I got an email from the XXXX CARES ACT saying that I had been approved for rental assistance! BUT my complex decided to deny the aid. After that, there was no way to have this decision changed. I would have to reapply when the next aid became available, which at that time there was none. Because of all this unnecessary stress I decided to move out to somewhere cheaper instead of renewing my lease in XXXX. They even kept my {$500.00} security deposit that I should of received back as well for maintaining the property in good condition. 

I again tried applying for multiple rental assistance aids to help cover what was due, but got denied multiple times due to no longer living at the address I was trying to get aid for. 

If the apartment complex didn't deny the payments this situation would of never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
This complaint is in reference to the COVID-19 forbearance that was solicited to me by my mortgage company Rocket Mortgage in XX/XX/2020 I applied for a three month forbearance and it was approved. At the end of XX/XX/2020 they automatically extended the forbearance three additional months. I recently contacted them to let them know that I was able to make regular scheduled payments they said the only option I have is a loan modification because I live in the state of Texas and they do not offer payment deferral in the state of Texas. I am not accepting this loan modification and I am requesting a deferral of payments missed. I am being denied for reasons unknown by XXXX XXXX  and other entities that I have contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Privacy Assist contacted me that there was an credit inquiry from US SM ADMIN ODA for a loan. I called the agency and told them it wasn't me. They said someone applied for an SBA loan with my SS # and was denied. They then put an alert on the account. I put a freeze on Exp, XXXX, and XXXX. No sure if I did this correctly. Not sure what else I have to do?

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 2021-04-12 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: MI

Complaint narrative:
I have disputed an authorized user, XXXX XXXX XXXX  card for several months. I disputed with XXXX, Transunion, XXXX  and with XXXX XXXX. XXXX XXXX representative " XXXX '' says there is nothing can be done. 

The problem is that I never authorized anyone to add me as an authorized user and this is FRAUD. I found out about this when I checked my credit report. I have asked that this account be removed from my credit report but none of the companies will do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our loan was turned over to PHH two months ago. We made the last two payments online. This month PHH online payment was unavailable to us. We werent allow to make payment by phone either. 

So we finally got a hold of customer services. She told us we are denied due to authorization online forms not sign. We told her what forms. She said you need to complete and sign forms. I reminded we are new with PHH and were never informed by forms. L Representative told us we had to make an extra {$17.00} payment to pay by phone. Our payment was not late. Making the payment by phone was our only choice since online was no longer a choice. No warning notification was provided.

We had to make payment with the extra fee since that was our only choice. If payment was not made today on ( XXXX ) it would be late. 

Company would not waive the {$17.00}. Even though as new clients we were never informed that we had to sign authorization form to make payments online. 

Representatives told us previous payments were accepted as a courtesy. No reminders were sent by mail or email. 

No company should charge a fee when a payment is not late or a new customer is aware their policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I tried for almost 3 months to talk to them and resolve the situation, I already saw the police report they gave me back what was spent on the account but they are still charging me for transaction fees that were never made. I only paid the annual fee that would be my only obligation. I never received the card and I am still being charged for transactions that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation