vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: MA

Complaint narrative:
I opened the Self Inc loan on Monday, XX/XX/XXXX. My automated payments have always on been the XXXX of every month and I never had a problem paying them. I noticed this morning on Thursday, XX/XX/XXXX that I received a text from my personal bank informing me that {$55.00} was deducted for Self Inc. I was extremely confused, since my loan payments should have come out on Thursday, XX/XX/XXXX in the amount of {$48.00}. 

I opened my Self app on my phone and noticed some very unsettling things going on with my Self Inc loan. On Tuesday, XX/XX/XXXX {$48.00} was deducted as it should be. On Wednesday, XX/XX/XXXX, a " manual payment '' {$55.00} was deducted from my bank account from Self Inc. and I didn't even know until this morning. 

On Wednesday, XX/XX/XXXX another " manual payment '' was attempted but stated that it was cancelled. On Thursday, XX/XX/XXXX " manual payment '' was deducted from my checking account. 

I did NOT authorize this. My payments are never manually, but ALWAYS automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a settlement offer letter stating a deadline of XX/XX/2021. I contacted Synchrony yesterday XX/XX/XXXX, but was told that was no longer an option.

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 2021-05-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am working on a mortgage loan. Account balances have to be paid to adjust debt to income ratios or affect credit scores and rapid repulls be done on reports. I was asked to pay off my synchrony credit card. It was paid yesterday. I have a confirmation email showing it was paid, and synchrony is refusing to fax me a pay-off letter or update my credit report to reflect accurate information. They are holding up my mortgage loan. This is illegal. Im going to lose the property I chose as is my right.

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 2021-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: GA

Complaint narrative:
I applied for a refinancing loan from a website through XXXX XXXX by the name of AUTOPAY on XX/XX/2021. I provided all of the required information to loan officer XXXX XXXX ( XXXX ) online. I was sent a package through docusign for all documents to be signed printed and have notarized. I repeatedly asked was the loan approved. She ( XXXX XXXX ) reported yes and this is why i had to get power of attorney for title transfer notarized. I later called because i wanted to know when they was gon na pay off the old loan and assume the new loan. At this point i was told they needed more check stubs. I get paid monthly on the XXXX and had already given the stubs for the prior two months. I explained I would not have another stub until XX/XX/2021. She insisted the lender needed another stub immediately or the loan would be denied. How can i provide something I don't have until I am paid on the XXXX? I explained and asked why do he need another stub? I provided tow months prior and I have to wait on pay day to provide XX/XX/2021. I also stated i have bank statements, w2 for prior year and I don't understand why they needed something I don't have until payday. I was asked to send information I have not receive myself ( Check stub XX/XX/XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2021-05-13 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: GA

Complaint narrative:
Im writing this letter to file a formal complaint. You are reporting inaccurate and misleading credit information on my credit report. 

Thus, the inaccuracies and misleading information your company is reporting is placing me in distress. I demand that your company use reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: IN

Complaint narrative:
In XX/XX/2021, I sent Alliance Collection Agencies a validation of debt letter for them to verify a debt they were reporting on my credit report. In XX/XX/2021, they sent me an itemized statement for my account. In this statement they included medical procedures, medical codes, and descriptions of procedures that was done. This is a direct HIPPA violation and I totally feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are several inquiries on my report that I did not make. I have been a victim of identify theft in the past and I fear these inquiries may be an attempt to obtain credit in my name. I placed a credit freeze to third party sites 30 days ago and I am still getting offers and inquiries added to my report. There is inaccurate information on my report and this makes me even more vulnerable to identity theft and adverse actions.

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 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
On XX/XX/2021, I signed up for an American Express XXXX XXXX card during the checkin for a XXXX flight. The card offered free bags for the flight. 

However, the Amex application said that while the card was approved, it was not ready for use. The Amex application site then said that instead of free bags for the flight, a {$90.00} credit would be provided on my first statement. 

However, I never received this credit. Amex told me to contact XXXX. XXXX informed me that it is an Amex offer. I informed Amex, but Amex declined to honor the offer and closed the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I bought my home in 2019. It was a fixer upper. It appraised for {$240000.00}, and I took out a loan for {$200000.00}. I put over {$60000.00} into the home and had it re-appraised at {$320000.00}. I submitted my appraisal and a request to remove my escrow account to my loan servicer, SP Servicing. They are denying my request because they are calculating my Loan to Value from my original loan amount ( XXXX ) vs. my current loan amount ( XXXX ) and NOT using the paid appraisal that I ordered out of my own pocket. They are trying to say that my loan is over 80 % because XXXX/XXXX is more than 80 %. It should be {$200000.00} ( current loan amount ) / {$320000.00} ( current proven appraisal ). I've been fighting with them for over a month to get this done, and all they do is give me the run around and no answers, or a denial. They are using false data to create numbers that are not accurate on my account. Also, they applied an escrow only payment to my principal balance forcing me into an escrow shortage. I had to fight them to re-apply funds correctly - and I'm still paying the escrow shortage. I've also been told by their customer service team that I can " Just pay my principal and interest only '' on my loan a not my full amount every month. This would cause me to have a monthly shortage and cause me to go into default. This is BAD information to be giving out to the general public when it's FALSE information!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX my company handled a refinance for XXXX XXXX XXXX on his XXXX County Home. At which time he had two mortgages to payoff. A first mortgage with Bank of America and a second mortgage with Bank of America. Although it was challenging we were able to get a satisfaction filed for the first mortgage. However, to date the 2nd mortgage we are struggling. I am attaching the payoff which reflects a XXXX  balance. The payoff letter however DOES NOT have anywhere the borrower is to sign to CLOSE and FREEZE the CREDIT LINE. In addition the payoff letter DOES NOT reflect a satisfaction recording fee. We sent the XXXX  balance payoff letter and requested a satisfaction of mortgage be filed. I followed up on XX/XX/XXXX and on XX/XX/XXXX with Bank of America and they NEVER responded. I then filed a complaint with the DFS on XX/XX/XXXX because I still had not heard back from them. They then responded to the DFS stating that the satisfaction of mortgage was never filed because the account was still opened and not closed. The borrower then contacted them and closed the account. He received a congratulations your loan has been paid in full on XX/XX/XXXX and to date a satisfaction of mortgage has still not been filed. I am assuming because they never collected the satisfaction recording fee. What can be done to change Bank of America 's payoff letters for their 2nd mortgages? I currently have two other files that I will have the same exact problem. They don't include a satisfaction fee EVER on their 2nd payoff letters and they NEVER have a signature line for the credit line to be closed and frozen. This is not fair to the consumer, they don't know any better and just pay off loan and figure the satisfaction will be filed. I would LOVE to see Bank of America be fined for this, so they make a change to their 2nd mortgage payoff letters. The first payoff letters DO INCLUDE a satisfaction fee. Looking forward to hearing back from you. Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Reinstate my credit at capital one I make payment well above the minimum more than twice the same month. A payment from capital one bank checking to capital one visa credit card was rejected. Account was funded and no reason to decline and or close account. This was during COVID and during times of financial hardship. 

XXXX trade line had for 3 years and 10 months and the charge ridiculous fees and membership fees. 

XXXX XXXX closed my grandfathered account and holds my secured card that should be eligible for upgrade and hasnt upgraded. I had an auto loan with wells and that was paid off and well kept that should account for something positive in my credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc.
State: AR

Complaint narrative:
Multiple agents calling from unknown numbers are harassing me about a XXXX bill and reporting to my credit. They are know to be fraudulent and are also cursing at me and calling at all hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Services of Michigan
State: FL

Complaint narrative:
Charges are false, disputed several times with proof, and still exist on credit report for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: MI

Complaint narrative:
I received a copy of credit report XX/XX/2021 from Transunion I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app creditwise I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: MI

Complaint narrative:
I received a copy of credit report XX/XX/2021 from XXXX I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app XXXX I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!

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 2021-05-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: NH

Complaint narrative:
We closed on a mortgage on XX/XX/XXXX. This mortgage was a rewrite of a XXXX mortgage but now at a lower rate. 

The company calculated the payoff with interest through the closing date. In addition they added a " buffer '' of 18 days in the event the closing was delayed. We were told that the " buffer '' ( in the amount of {$500.00} ) would be returned after the closing. 

It has been more than a month. A few weeks ago we inquired about it and were told that we should be seeing the money soon. 

Still no refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Reinstate my credit at XXXX XXXX I make payment well above the minimum more than twice the same month. A payment from XXXX XXXX bank checking to XXXX XXXX visa credit card was rejected. Account was funded and no reason to decline and or close account. This was during COVID and during times of financial hardship. 

XXXX trade line had for 3 years and 10 months and the charge ridiculous fees and membership fees. 

Wells Fargo closed my grandfathered account and holds my secured card that should be eligible for upgrade and hasnt upgraded. I had an auto loan with wells and that was paid off and well kept that should account for something positive in my credit line.

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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
ON XX/XX/XXXX we purchased a hotel stay through a merchant known as XXXX XXXX in the amount of {$440.00}. 

This was related to a trip to XXXX. 

ON XX/XX/XXXX we cancelled the trip due to the Pandemic related closure of XXXX. 

ON XX/XX/XXXX the Merchant approved a refund in the amount of {$330.00}. They indicated it would take 15-30 days for them to process the refund but that never happened. Further the refund should have been for the original amount of {$440.00}. 

ON XX/XX/XXXX the Merchant issued a credit in the amount of {$440.00} to Bank of America.

Bank of America never deposited those funds into our account. 

We filed a complaint with B of A to look into it and they closed the case and claimed the merchant did not authorize the refund but as you can see from the attached the merchant approved the refund. 

We spoke with B of A operating unit that closed the claim and they suggested we visit the Branch and provide them with the documents that showed the merchant 's approval of the refund. Even though we had already faxed it to that unit and they lost it.

We went to the Branch and spoke with the Manager XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, XXXX, NV. XXXX. We gave her the all of the attached paperwork and she said she would resolve the issue. 

Subsequently we received another closure letter and went back to the Branch to speak with XXXX. She had lost the paperwork at that point and did not remember what took place. The operating unit at B of A had asked us to get a time stamped copy of the fax from the branch to the operating unit but XXXX could not produce that document. 

We escalated the issue to XXXX XXXX XXXX VP and Consumer Banking Market Leader Telephone XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, NV. XXXX. Once again he said he would resolve the issue. 

Mr. XXXX kept us updated for a few weeks and claimed he was looking into the issue and eventually the last time we heard from him was XX/XX/XXXX of XXXX with no resolution. 

We have not heard from anyone since then

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 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
On XX/XX/2021 I noticed my credit report was flagged for collections from a collection agency called Diversified Adjustment. I believe they are a collection agency with XXXX being the main company claiming I owe. I had the same issue with this company in XXXX and thought this matter was settled but apparently XXXX passed it on to another collection agency because the account wasn't proven as fraud which it is. I have never had any business, communication, or any form of knowledge of this company/account or how they got my information. I have already disputed this claim twice and keep getting " account remains '' after both disputes which is 100 % incorrect hence why I filing this form today. The information is incorrect and not mine and is destroying my credit score that I have worked hard to increase and this needs to be permanently removed from my credit and listed as fraud because that is exactly what this is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX a debt of {$1200.00} was placed for collection by the XXXX XXXX for an apartment in XXXX. I was notified via email from Experion of the collection efforts by XXXX XXXX XXXX XXXX. I contacted the collection company and XXXX XXXX in XXXX of the fact that this was not my debt and that I had notified XXXX of the problem. No farther communication from the collection company and XXXX XXXX has been received. I received another email from XXXX that the same debt was placed for collection with XXXX XXXX XXXX in XX/XX/XXXX. I have contacted XXXX again. I have lived in Utah for over 62 years and have never lived in XXXX This is a case of Identity Fraud.

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