vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: IN

Complaint narrative:
I was contacted today by XXXX claiming to be XXXX Fraud Dept. they stated someone was trying to charge my discover card and wanted to authorize I was doing this under the name XXXX XXXX. And that is not my name. They then proceeded to rattle of my address, my social security number and they provided me with not only the entire discover card number but also the visa XXXX XXXX credit card number. Now neither of these are my credit cards specifically I am just an authorized user on them. My social security number was never given to either of these credit card companies when making me an authorized user so I am not sure how they have my birthdate, social security number etc please note I did not deny nor confirm the data they stated.. but nonetheless it was correct.. They then proceeded to ask me for my FICO score which I wouldnt give them, they asked if I wanted 0 % interest rate on my other credit cards which I specifically told them NO, and I would not provide them with my other credit card numbers or who they were from. 

My big concern is that whomever these people are have my correct social security number birthday and address. Please help me. I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
XX/XX/20 was declined for a minimal amount of credit approval by Synchrony Bank. They listed several reasons all related to my wife of over 40 years. Synchrony has not disclosed the credit reporting agency used which would allow me the opportunity to request and review the report. 
Synchrony has also not fully answered my questions regarding the individual items listed for the rejection. 
To my knowledge, our credit has been exceptional for those XXXX years.

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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: KS

Complaint narrative:
BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet. 

Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX, XXXX. 
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX. 
XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX. 
We mailed a check for that payment on XX/XX/XXXX. 
We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the 1st as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Sold property at XXXX XXXX XXXX XXXX # XXXX XXXX AZ on XX/XX/XXXX. We have called the bank 5 times trying to get a refund of our escrow account as of today XX/XX/XXXX still no refund. From BMO bank

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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I've applied for a refinance loan through XXXX XXXX at an interest rate of 2.75 %. After all the paperwork had been submitted ( sometimes twice ) they moved from XXXX XXXX  to XXXX XXXX which required more information further delaying the process. During this time the interest rate dropped to 2.5 % and per the XXXX  policy, if the consumer contacts them to acknowledge the drop in interest rate, XXXX  is obligated to lock in the lower rate. During the week of XX/XX/XXXX I contacted one of the people working on my loan to alert them of the lower rate and on their recorded line, they confirmed that they my rate was now locked at 2.5 %. I either spoke to XXXX XXXX, XXXX XXXX or XXXX XXXX all of whom were working on my loan. The only thing left was to complete an appraisal on my home which was scheduled for XX/XX/XXXX. During this time interest rates began to increase once again, currently at 2.875 % The appraisal was conducted on schedule completing XXXX requirements. A few days later I was contacted by XXXX XXXX who told me that XXXX XXXX had been sold to Guaranteed Rate out of XXXX IL. and that there was a chance that I may lose the 2.5 % interest rate that XXXX  had previously committed to on a recorded phone line. I was asked to wait for a week while they sort things out which I did. When I reached back out XXXX XXXX to ask what was going to happen he told me that Guaranteed Rate would NOT hold the interest rate that XXXX  had previously committed to and that it would be at the new higher rate. 
I find this to be a breach of verbal contract. I've submitted everything that they required of me in good faith in return for a financial product that they committed to prior to the change of ownership of their company. The obvious solution during a transfer of ownership would be to honor any applications in process, especially those that have nearly been completed and go forward with current market conditions thereafter. 
As a consumer, we are required to sign all sorts of legal binding documents that protect the lender but where are our protections as a consumer when it comes to commitments made to us. I'm hoping the Consumer Financial Protection Bureau can intervene here to cause XXXX XXXX, now Guaranteed Rate, to operate in an ethical business manner and fulfill their committed obligations. 
The loan number they issued for this application is # XXXX and XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Hello Chime Bank closed my account didnt give me a reason or anything. I found out my account was closed when I was at XXXX XX/XX/XXXX. My card was declined and I have XXXX dollars in my account. So I went home tried to log in my account and couldn't said account is closed. Ao I called the customer care number couldn't get through. So Monday XX/XX/XXXX I called again finally got an agent I told him my issue he looked up my account and he said I dont know y ur account is closed he asked me to hold on which I did. Then he got back on the phone and said his computer is not loading he wanted to look further into my problem. So he put me on hold again for about XXXX mins came back to the phone and said hold on again then phone hung up. So I called back got another agent told them my situation again his name was XXXX he said he dont know why my account is closed. I said I need answers and my XXXX dollars. I then told him I needed to speak to a supervisor he said hold on and transferred me back to main menu. Since then I haven t had an option to talk to a live agent says go through email. Im not getting anything done thru email either I need help with this issue I need my money thats it. They are also partnered with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I do not know who these people are. I never signed a contract with these people. They dont have a contract bearing my signature. I have never done any business with them.

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 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, within my Chime bank account, I transferred {$20000.00} from a linked XXXX XXXX checking account. I have been aChime customer for almost 3 years. On XX/XX/XXXX, the transfer had not yet been deposited into Chime, and I received an email stating my account was closed. I asked customer service if my {$20000.00} would be returned to the bank account it came from, and they said yes, it would be automatically rejected since the account was closed. On the XXXX, they again assured me that the transfer ( which was initiated by me, within my Chime account ) would be returned to the original account ( also mine, at XXXX XXXX ). As of XXXX, the {$20000.00} still has not returned to my XXXX XXXX checking account. On XXXX, I reached back out to Chime and asked if deposit was sent back. They stated that it was not sent back, that it was posted to my Chime account on XXXX ( though it was closed on XXXX ), and I would not be receiving any type of refund. I filed a XXXX report and have attempted to contact employees to handle the issue, but they do not publish or share the email addresses of anyone in the company. They have stolen {$20000.00} from me which is, as you know, illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: IL

Complaint narrative:
My husband received information that was very vague on this so called account. Voice mail that was left had portions of the call that were robotic. I did not call the phone number back in fear it was a scammer. I dont know how my husbands phone number was obtained. The number he has is a work phone number that he has to answer for all calls that he received were work related or Non-Essential. He is then responsible for repayment on his end if Non-Essential. 
This I feel is invasion on my privacy. They got my husbands work phone number and left a message about me without my permission. 
Any help would be much appreciated! 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been a month since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: OH

Complaint narrative:
XXXX keeps cashing checks within the grace period for our mortgage payments but they are listing this as past due every month and chraging me late fees. I've made all my payments on time and have the record of when XXXX cashed the checks but they are listing my account as past due. We have spoken with them on the phone and they said that it was fixed for one month but that they couldn't do anything for the next month. On my XXXX report this is showing up as being several months behind and is destroying my credit. Right now my XXXX report shows the last payment being made in XXXX but I have records that show they received on-time payments in XXXX, XXXX, and XXXX. XXXX told my wife that this was never reported as delinquent and yet it shows up in my credit report from XXXX  and 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 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
Greetings. Im a XXXX XXXX XXXX with XXXX XXXX XXXX and I am trying to help my client, the seller, cancel an old FHA case number on a mortgage that was not completed in the fall last year. My clients are waiting for an appraisal on their home, which cant be done until we obtain a new case number ( being blocked by XXXX XXXX ). We contacted XXXX last week on XXXX and they have failed to cancel this old case number so the new buyer can obtain one for us to complete the sale. This is costing everyone time and money. Weve received excuse after excuse from XXXX customer care. There has been no progress made at all in nearly 5 business days. I understand this is a 45 second process and we are not getting any traction at all. Please help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made a payment to my Bank of America small business account on XX/XX/2021 for XXXX . The money was drawn from my account the same day and applied to my balance the same day. It is XX/XX/XXXX today and they will not update my available balance allowing me the credit I paid for. I spoke with XXXX XXXX who stated they can hold my money for 3-5 business days which I believe is terrible to do to a small business and being they took my money out of my account on XX/XX/2021. I believe they are being unethical and punishing people by holding there money and releasing the credit when they feel like it. Please do something about this to help other small businesses in the future. In todays day in age sending money via XXXX or other platforms is instant and it is hogwash that they can hold my money and credit limit down for 7+ days. 

Thank you

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 2021-02-09 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
This complaint was filed : Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with XXXX has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I applied for a refinance mortgage with Watermark Home Loans. Aside from the initial contact stating they received my application, I didn't hear back from them and never received a loan estimate ( required to be sent within 3 business days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. 

When I recently called XXXX directly, they said they had no account under my name ENHANCED RECOVERY COMPANY , LLC says XXXX internet/cable bill was for the address at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX But I never lived at # XXXX, I lived at # XXXX, so obviously ENHANCED RECOVERY COMPANY , LLC is either charging me for someone elses account and they never sent me a notice to the right address. 

Account Information : ENHANCED RECOVERY COMPANY , LLC account : opened date : XXXX XXXX, Balance {$51.00}, This situation for me is stressful, it has affected my credit score. 
I want the remove acccount from all bureaus ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TX

Complaint narrative:
This complaint was filed : Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with Equifax has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CORELOGIC INC
State: TX

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019, CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Hello, its unfortunate that these two accounts from National Credit Adjusters have re appeared on my report that were currently removed! Validation or signed agreement was never sent! I also didnt receive an reinsertion letter in mail within 15 days which is Another VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I checked my credit and saw that a collection debt was on it. Saying I opened in XX/XX/2020 but I did not open anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The company Portfolio Recovery sent a letter to my home stating they would accept a settlement offer of {$380.00} and it needed to be received before the XXXX of XXXX I believe. I sent a payment of XXXX on the XXXX of XX/XX/2021 from my wife 's XXXX XXXX bill payer service. The check cleared on the XXXX of XX/XX/2021. I contacted the debt collector to get information as to why they haven't updated the credit report and cleared the balance. They stated they didn't receive a payment and it was mailed to the exact address on file. The acct number was on the check XXXX. The address is XXXX XXXX XXXX XXXX VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One closed my account of several years, in good standing, in the middle of a pandemic. I have been unable to request the company with the company to attempt to restore it. Any loss of credit limit or average age of credit is detrimental to my score.

Company response to consumer: Closed with explanation