vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I have a complaint about money removed from my escrow account by Flagstar to pay for someone else 's homeowner 's insurance. 

On XXXX, {$1100.00} was paid to a XXXX XXXX XXXX  for homeowner 's insurance for someone else 's unit in the condominium building where I reside. The policy had a different person 's name and didn't have my unit on it. 

My insurance coverage is from XXXX XXXX XXXX XXXX. The premium for my actual insurance was paid from escrow on XXXX for {$470.00}. 

Even after identifying this issue with multiple Flagstar employees who acknowledge the accuracy of this accounting of the situation, the money has never been put back into my escrow account.

I have made the following contacts with the Flagstar insurance department to get this fixed without success : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX I requested that the money be returned to my escrow account -- didn't happen.

I requested that someone in management contact me -- didn't happen.

I also requested that a formal complaint inside the company be filed for how this case was being handled -- I am unaware if this occurred since I have not been contacted.

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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NV

Complaint narrative:
I wrote a dispute letter on XX/XX/2020 trying to verify the account they have on file i have the original dispute letter from XX/XX/2020 and receipt of delivery of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I received notification from XXXX that one or more of my identity monitoring services had a new notification. Upon investigation, I found that XXXX XXXX  in XXXX MS had initiated collection services for a loan account opened with them on XX/XX/XXXX, Acct # XXXX. I contacted XXXX XXXX  by phone on XX/XX/XXXX to inquire about the loan and found that it was an account opened by a family member who used my personal information to open a joint account without my permission. XXXX XXXX  requested that I submit a request to have my name removed from the account. I submitted such request by e-mail on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX requesting that I dispute the account through TransUnion to start the investigation. I submitted the dispute through TransUnion on XX/XX/XXXX and received a reply on XX/XX/XXXX stating that the dispute had been verified as accurate. I again corresponded with XXXX XXXX  on XX/XX/XXXX asking why they wanted me to initiate a dispute through TransUnion if they were simply going to verify the account as accurate. I have no confidence that XXXX XXXX  will act responsibly to resolve this dispute. They are giving me the runaround while negatively affecting my credit profile. They never verified with me that I was joint on a loan. Nor I have ever received any correspondence from XXXX XXXX  concerning this account. XXXX XXXX has failed to act responsively concerning 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 2020-10-27 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: OH

Complaint narrative:
The Status on these account were corrected, but the PAYMENT HISTORY was NOT!!! Please correct this payment history as it's incorrect. Please provide PHYSICAL Proof if you feel these account were late as they were not.

14 Accounts with the same account number : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # 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 explanation
Consumer complaint received 2020-10-27 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: OH

Complaint narrative:
The Status on these account were corrected, but the PAYMENT HISTORY was NOT!!! Please correct this payment history as it's incorrect. Please provide PHYSICAL Proof if you feel these account were late as they were not.

14 Accounts with the same account number : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
TIAA posted a public online offer at tiaa.com that says " TIAA Bank is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make qualifying direct deposits totaling at least {$1000.00} within 90 days of account opening ''. I opened the account online and initiated the direct deposits and met all the terms but still didn't receive the bonus.

I called TIAA twice to solve this.

TIAA representative said I needed to go online and requested a promo code and then open the account.

This was a false statement. Because customers can open account online and no promo code was required. It is a public offer posted at TIAA.com, indicating everyone can apply without having the promo code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank ( Deceased Processing Dept ) refuses to remove an improper hold on the subject account ( deceased owner XXXX XXXX XXXX, co-owner surviving spouse XXXX XXXX XXXX ). The account can't be closed properly without this hold being removed. Similarly, Chase is taking no action to either 1 ) return the final ( XXXX ) SSA benefit payment received by Chase in XXXX, or 2 ) credit this final payment to this account. Either action by Chase would allow 1 ) the SSA to reissue the final payment to the surviving spouse or 2 ) restore the proper balance in the account so it can be closed out properly.

Latest e-mail from Deceased Processing ( text included in uploaded attachment ) states Chase has an obligation to return payments received after the date of death but Chase refuses to do so.
Numerous calls to Chase Customer Service in XXXX and XXXX and two e-mails in XXXX to Deceased Processing have been fruitless. Customer Services says it's Deceased Processing 's responsibility to resolve but Deceased Processing won't take phone calls nor return phone calls per their own stated policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: OH

Complaint narrative:
XXXX  is stating I have " COLLECTIONS '' that is effecting my credit score and I have not collections in the " collections sections '' Please see attachments with dates. Please correct the error.

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 2020-10-27 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: MD

Complaint narrative:
Experian ( Report # XXXX ) RE : XXXX XXXX # XXXX I am demanding a validation of the alleged debt from your agency in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how you calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed, cashed checks used for bill payments, and identification or the original creditor including the accurate contact information.

I demand an affidavit form to be sign and notarize by a senior executive verifying that upon your investigation the certified debt belong to me. In pursuant of 15 US Code 1692g ( 4 ) I demand verification of the debt and copy of such verification to be mailed to the consumer. I demand verification of all relevant information and any documents your agency retrieve from the creditor. I demand to know how can your verify a debt is accurate for a consumer? I demand a copy of your investigation report placed in my credit report and credit file. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages Under the Fair Credit Report Act. Your credit report and file contains inaccurate information as a result of fraud. Unverifiable information must be removed immediately. Also, the credit bureaus shall refrain from adverse reactions such as decreasing credit scores 32 points as a form to intimidate, strong-arm, and taunt a consumer. Credit bureau shall refrain from adverse reactions against the consumer for disputing inaccurate information. I demand that my credit score be restore to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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
State: FL

Complaint narrative:
There are 2 issues - We purchased an item through PayPal. As we later discovered the item was sold by a XXXX company. It arrived in pieces and unusable because it was very cheaply constructed and very poorly packaged. 

We took photos on opening ( the box was destroyed so we highly suspected the product was going to be damaged ). We sent photos and PayPal advised us that we had to return the product to XXXX at our expense. As it turns out, this was more expensive then the product was. PayPal offered no further assistance. 

We would expect that, given the timeliness of our actions and thoroughness of the documentation we provided PayPal, that PayPal would refund our money ( {$30.00} ) and hold the manufacturer and/or shipper accountable. They refused. 

The second issue is that we were so frustrated with Paypal that we attempted to close our account. When we attempted this we received an error message that said we had to notify customer service. There is no phone contact information so we messaged through the PayPal website. We did this 3 times stating we would like to close our account and asked PayPal to delete all of our personal information including, but not limited to, contact information, account activity, etc. - and to eMail us a confirmation when that was done. 3 times we have received messages back stating we should " rethink '' our position and not close our account. When we were really, really insistent, PayPal sent us instructions on how to close the account - these were the same steps we followed initially when given the message to contact Customer Service. Regardless, we tried to close the account again and received the same message to contact customer support. 

We have tried to be polite ( even though we disagree with PayPal ). PayPal has been unresponsive to either of our requests and we are fed up dealing with them. We have yet to have them carry out any of our simple, straight-forward requests - and they have not closed our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: GA

Complaint narrative:
I disputed this account on XX/XX/2020 with XXXX XXXX XXXX  and account number XXXX. It is now XX/XX/2020. It has been over 4 months and I have not heard anything back from Equifax. This is totally unacceptable and exceeds the extension deadline given because of Covid-19. They have broken laws set in place to protect consumers. Equifax needs to delete this account from my consumer report for failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc.
State: KY

Complaint narrative:
I had a credit card that was put into collections. After a time, I was able to make a payment plan with the collections company. I had tried to call the original company, but they had already sold my account. So I paid the balance in full plus some, to the collections company, and received a receipt of restitution that the account is paid in full. Since then, and this is going on 2 years now, every 6 months, i receive a bill from another collections agency stating that i owe the money again. I have to send them the receipt of restitution and then that company doesn't call back. Last year I had a law office that works for XXXX County contact me, and let me know that there was a law suit filed against me from XXXX XXXX ( the original creditor ) and i provided the receipt of restitution to the lawyer and the case was dismissed. I hadn't heard anything since the lawyer, but have received another letter in the mail today from a different collections agency stating that i owe what I have already paid. I sent them the receipt of restitution as well. But this just keeps happening over and over. This is harassment. I called XXXX XXXX ( the original creditor ) today and wanted to provide them the receipts of restitution as well, but they said my account is closed and they sold it to XXXXXXXX XXXX XXXX. They gave me a number to call and it was no longer in service. I need this to stop. Please help me. I have already paid my debt in full plus some.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
my account has been frozen for almost 3 months now! i have sent in all the documents that the bank has required and they still continue to hold my funds. the companys department that suppose to fix my account is never available and they never return my calls or emails!! this is very unacceptable! there is a pandemic going on and i need my funds for my family.

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 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: The Law Office of Nicole Hillman
State: TX

Complaint narrative:
Attorney Nicole Hillman submitting 5 year old documents posing as IRS  Tax Lien to garnish personal bank accounts more specifically my government unemployment funds. 

XX/XX/2020 XXXX  XXXX Chairman and CEO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX Re : XXXX XXXX Personal Banking Garnishment Mr. XXXX : Regarding this matter first and foremost this is not my debt. I have spoken with this Attorney XXXX and reported in writing to XXXX County Courts that this is not my debt and of which I have no knowledge of until XXXX submitted documents to my bank. Per my attorney XXXX  XXXX is also reporting this garnishment as an IRS Tax Lien of which it is not which concerns me as to how this garnishment was reported to XXXX  XXXX as deceptive which violates federal law ( FDCPA ) as I do not have any IRS Tax Liens. 

Secondly, as my financial institution I should have been given notice of this garnishment. As currently unemployed my current deposits are from protected government unemployment benefits which are exempt from such. XXXX XXXX must turn over and/or release those funds immediately. I have filed a police report and as well as reporting this matter to the Texas Attorney General Offices. 

I find it frightening that someone can submit paperwork without verification and the bank honors it without verifying the legitimacy. Please release my unemployment funds immediately. 

XXXX XXXX XXXX Cc, FTC, Texas Attorney General, XXXX County Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at XXXX XXXX yesterday XX/XX/26. they stated that LOANCARE HAS TO GIVE XXXX XXXX written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a XXXX  XXXX.. Her and I and XXXX XXXX  were on the phone yesterday. The funds ARE sitting at XXXX XXXX  to return to XXXX XXXX when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But XXXX XXXX will not call XXXX XXXX  because Loan care as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue Loancare sent a check written off a XXXX XXXX account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from XXXX XXXX calls them and XXXX XXXX will not until Loancare tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except 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 2020-10-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL XXXX  is reporting inaccurate payment history across CA 's, please Delete accounts per the Fair Credit Act. 

There are 5 accounts with the same number : 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 2020-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prime Recovery LLC
State: MO

Complaint narrative:
I tried to resolve the debt and verify the amount and was told that I refused to pay debt. I have screen shots of the chat. I then was sent a chat history that was not complete. He then asked me when I would pay and when I offered an amount he said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issue transpired in XXXX 2020 with BB & T Home Mortgage sending a letter requesting my home insurance info as they had no record of insurance. I callled them back and told them the policy was in effect and was same insurance company and same sturcture policy our Condo has had for 10 years and they have contact info. Gave them the Insurance company contact info again ( same last 10 years ) and they actually called them while I was on hold but the Insurace company call went to voicemail. They said they left a note and would call back. I checked back a week later with BB & T who had done nothing, then with our Insurance company and they had not received a required email/fax requesting info. But BB & T was saying they would now purchase Insurance for me as they did not have the information. But would apparently not try to validate my insurance info. I vehemently protested their lack of effort to verfiy info. I then contacted our Insurance company, sent them the original letter and our Insurace company proceeded to send the insurance policy info that very day. Called BB & T next day, told them policy info had been faxed to them. They said to call back to confirm as needed to be processed. I called back a week later and they acknowledged ploicy info and did not purchase insurance for me. But now they say they want my personal home insurance policy info. They have never requested this before in over 10 years, but said it is required. They have sent a letter now in mid XXXX requesting this info. 

I went through this same issue with BB & T 6 years ago and their lack of effort to verify policy info. It's clear they systematically try to set up a pressured, quick response situation to allow them to justify and purchase their own expensive insurance. The situation is very predatory. It seems like BB & T is targeting seniors also. 

And now they are requesting my personal home policy info that they have never requested before. I have have personal home insurance in effect, including hurricance coverage. Their is no documention this info is required or necessary. Again, trying to set up a pressured, fast response siutation to justify forcing the consumer to pay for their expensive insurance. 

I filed complaints 6 years ago also. And now they want my personal home insurance info they have never required before.

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