vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Back in XX/XX/XXXX we had an assessment completed by XXXX XXXX for an energy efficient home loan thru XXXXXXXX XXXX XXXX XXXX 

When my mortgage servicer received an initial notice of assessment for the program, I was considering they increased my escrow payment by {$3700.00} a month beginning XX/XX/XXXX. 

I contacted my mortgage servicer to find out why the increase in payment. They indicated it was for the window upgrade thru the XXXXXXXX XXXX XXXX XXXX. At that time they completed a new escrow analysis and lowered the payment. My servicer erroneously sent me an overage check in the amount of {$3900.00}, I contacted my servicing company, and they advised me to void the check and they would deposit the funds back to my escrow account. 

I then received a notice that my servicing company was going to pay XXXX XXXX a check for {$13000.00} for my XXXX taxes. My current taxes due for XXXX is {$3800.00}. XXXX XXXX returned the check to my loan servicing company and advised them that they needed to send in a check for the correct amount of {$3800.00}. 

I have since sent my servicing company all cancellation letters of XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX because I am not participating in any program thru the state of Florida. 

Another analysis was completed on XX/XX/XXXX which increased my monthly payment by almost {$900.00} effective XX/XX/XXXX {$6300.00}. I should not have a shortage as I have only had this mortgage since XX/XX/XXXX. 

I have exhausted all avenues in trying to speak to my loan servicer and it is very it is difficult to speak to a human being as the toll-free number is an automated phone call that loops you around and does not allow you to speak to a human that has authority or knowledge to assist me. 

All I am asking is for my mortgage payment to go back to the normal amount prior to all of this nightmare. A reminder that I am not participating in any state funded program of any kind. I can provide you with copies of all escrow analysis I have received since XXXX and also any copies of cancellation letters you XXXX need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened an online account on monday. Today, sunday, i noticed the opening deposit was returned to my other account. I called to find out why and they said it was closed and we dont have to tell you why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX  agreed to a pay to delete. The XXXX account is still reporting as a charge-off/ collection and paid for less than agreed. The same account is reporting multiple times on my report

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX agreed to a pay to delete. XXXX XXXX  account is still reporting as a charge-off/ collection and paid for less than agreed. The same account is reporting multiple times on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Subject : Complaint Against Goldman Sachs Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Goldman Sachs regarding a matter that has significantly impacted my financial standing. I appreciate your attention to this issue and seek your assistance in resolving the situation. 

On XX/XX/2023, I accepted the payment presented by Goldman Sachs, considering it as an implicit agreement to the terms presented. I have evidence that I sent a second notice to Goldman Sachs on XX/XX/2023 seeking clarification, resolution and an opportunity to cure this matter. On XX/XX/2023 I sent a notice of dishonor and estoppel which I have all three letters and return receipts proving that Goldman Sachs received my correspondence. Unfortunately, I have not received any response from Goldman Sachs, leading me to believe that they have accepted the terms outlined in my letter. 

Despite this tacit agreement, I am now facing adverse actions from Goldman Sachs, particularly in their attempt to negatively impact my credit score. I find this action to be unjust and in violation of the understanding I had assumed through the acceptance of their payment. 

At your request I will provide copies of the relevant documents, including my letters to Goldman Sachs and any correspondence I have received from them. I kindly request that you investigate this matter thoroughly and take appropriate action to remedy the situation. 

I trust that the Consumer Financial Protection Bureau will act diligently to ensure fair and just resolution in this case. Please keep me informed about the progress of your investigation and any steps taken to address my concerns. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX and I am a Paypal customer with email address XXXX PayPal 3 weeks ago put a block on my account and asked me to provided documents such as ID card, bank statement and proof of address. 

I have provided this information but my account is still locked. 

I would want PayPal to unlock my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NC

Complaint narrative:
On XX/XX/XXXX the Consumer sent a Notice via U.S. Certified Mail return receipt request to XXXX XXXX XXXX XXXX, the original creditor. XXXX XXXX XXXX XXXX, stated they sold my account to Jefferson Capital Systems LLC. , on XX/XX/XXXX. I have rescinded the security interest agreement obtained with deceptive language and forms by the XXXX XXXX XXXX XXXX. This is NOTICE to Jefferson Capital Systems LLC., to rescind the security interest agreement they acquired without my consent. Both XXXX XXXX XXXX XXXX. and Jefferson Capital Systems LLC., have committed securities fraud, identity theft, trust fraud, and transferred stolen goods across state lines ; I did not consent to either party in the releasing or selling of my private information. The 20-day process as required pursuant to the CFPB begins the day the Jefferson Capital Systems LLC. , receives notice of this " security interest '' rescission. Both parties are liable to the Consumer for the damages, fraud, and losses caused pursuant to 15 USC 1640 Civil Liability. " My Security Interest is Non-Transferable ''! I am the holder of the majority and priority interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
VENMO has restricted my account saying there was suspicious activity on my account and not telling me what that activity was. Its been over a week and I need the funds to pay bills. I am know getting late fees and they still have not allowed me access to my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Upon receiving a free copy of my credit report I noticed a few accounts that were inaccurately reporting.. I disputed the information back in XXXX and all Equifax did was put a notice of dispute and the inaccurate account continued to report. The account type says a collection account but the account status says open. This is inaccurate reporting because a collection account can NOT be open. 

This is a violation of 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was scammed through cash app for {$700.00} someone stole my phone and cash app card and uploaded {$700.00} from my bank account. I filed a police report for the missing phone and stolen money and sent it to cash app for proof and they still denied my claim. My bank also told me they would have to contact cash app to get them to work with them and dispute but cash app doesnt want to do my dispute and refund because they havent took any action and they didnt provide any reason for denying my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
In XX/XX/2022, my wife and I went into contract to purchase a home with an assumable VA Loan from the seller at 2.25 % APR. A closing date was set for the beginning of XX/XX/2022 due to necessity for the sellers and buyers with a clause that if closing was not met the transaction would be cancelled- a date that was 45 days from the initial contract signing. Initially Freedom Mortgage claimed that it would take 90-120 BUSINESS days to complete the processing of the assumption process even though both my wife and I had excellent credit and money on hand to pay all costs, down-payments. After a complaint from the XXXX XXXX XXXX and threats of legal action by the seller Freedom Mortgage was able to complete the entire processing in approximately 30 days, despite repeated delay tactics on the part of Freedom Mortgage. Due to our XXXX XXXX, my wife and I are being relocated and have signed a contract with another veteran to purchase our home with an assumption of the VA loan at 2.25 % APR. Again, a date was set from initial contract to closing of over 45 days to allow for processing. And once again, Freedom Mortgage is attempting to delay completion of processing by claiming they are short staffed. The buyers have provided all requested documentation to the loan processor and are being told it will take 60-90 days to review the application- even though all documentation was provided with more than 30 days to closing. Assumption loans are actually easier to process because there is no loan origination paperwork or requirements for things such as appraisals since the home and loan are already established and all that is necessary is to ensure the new buyer can take-over the loan with the remaining balance ( payments are fixed and amount of time left on loan is fixed ). However, for Freedom Mortgage a VA loan assumption is not as fiscally lucrative as selling a new loan at the current market rates of 7-8 % APR. A good proof of this is that as soon as we listed our home for sale Freedom Mortgage started calling us to advertise their services in providing a new home loan for our new location ( at market rates of course ) and promises to close in less than 30 days. Freedom Mortgage advertises itself as the number one provider of VA loans that is geared to providing quality service to veterans, yet, when it comes to the processing of VA loan assumptions ( perhaps one of the most important veteran benefits currently with high mortgage rates ), Freedom Mortgage engages in delay tactics and horrible communication to customers. The average time per XXXX to process a VA loan by ALL mortgage companies is 30-60 days. Freedom Mortgage needs to do better for their veteran customers.

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 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I opened a new Business Checking account with PNC on XX/XX/23. I was excited to start my new account with a company that is for small business. 

I then made three transactions to deposit money into this account. 
On XX/XX/23 I moved {$5000.00} into this account through a transfer from another bank account I own. 
On XX/XX/23 I moved {$10000.00} into this account through 2 cashier checks. These were banks that I had closed out, and I immediately took the cashier checks to PNC. 
On XX/XX/23 I moved {$89000.00} into this account through a check from my personal bank account. I had to move money from a personal savings account, into my personal checking account. I then wrote my business a check from this account. 

My financial advisor told me it would be a good idea to move the money I had saved for buying a house, into my new PNC account. Since my business shows more income and it would allow me to get a home loan. 

Fast forward to XX/XX/23, I go into the bank and ask to get a few checks. I have some bills I need to pay. The teller notifies me that she can not give me a check and that my account is frozen. I am now trying to figure out why my account is frozen. The only thing they have told me is that they think it is because I had large deposits to a new account. Which I have a paper trail for everything I have deposited... But if this is the case, it is very frustrating that I have been given no update on this. I was never told my funds would be frozen. I was never asked for any information or documentation. 

If bringing my hard earned money over to their account is an issue, I will gladly close my account and go elsewhere...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These inquiries in my file are all fraudulent : 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 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 non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
I applied for a credit card with XXXX XXXX credit card company. They ran two separate hard hit inquiries without my consent. I understand when you apply for a credit card and complete the process. The company would run 1 inquiry in which I agreed upon. This company ran two and this has effected my credit score and it dropped XXXX points. This company dragged their feet on reporting to all 3 credit reporting agencies in regards to my new account established with XXXX XXXX. I had to call and make a complaint.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 o 2 states. I have the right to privacy 15 USC 1681 section 6 O 4 a section 2. A consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-11-19 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I detected XXXX XXXX  fraud on my bank statement. I contacted Well Fargo, and the were supposed to check into the matter. They informed me that it was not fraud. So, I personally called XXXX XXXX myself and was told by XXXX XXXX on XX/XX/2023, by XXXX that Wells Fargo was paid 2 separate payments the first being on XXXX and XXXX XXXX for the total amount of {$420.00}. It was reversed off of my account by XXXX XXXX and credited to the Wells Fargo credit card. Wells Fargo gain applied the charges back on my credit card and said it was not fraud that I owed the amount. So, I feel Wells Fargo double dipped by keeping what XXXX XXXX paid and making me also pay on my card.

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 2023-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I have submitted multiple payment attempts since XXXX XXXX. I have gotten payment confirmations for each attempt to bring my balance due current. A few days after each attempt Aidvantage labels my payment as " payment revered '' and then sends me multiple past due delinquency notice emails and offers payment assistance plans. I have verified all of my banking information online. It is correct. I have called my bank multiple times to ask why they reversed the payment and each time they tell me they never even received a request for payment from AidVantage for any of the attempts I have made to pay ON TIME. 
I now have accrued additional interest on my loans and am labeled as delinquent. I have reached out to AidVantage on 3 separate occasions and haven't heard back at all. No one will even give me the time of day and try to help. I feel as though I am being scammed out of additional interest and being spammed with past due delinquent emails and " do you need help making your payments on time '' emails. I do not need a special payment plan, I just need AidVantage to fix their payment portal and correct the interest problem and take the time to correspond with me regarding issues with their site, not my ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target store does not help if your identity gets stolen or misused. i asked for information on this fraudulent account that was opened in my name and they failed to provide me any info and did not take any action to resolve my issue now this is affecting my credit score for something i did not acquire. i would never get a target card either way even if they offered it to me.

Company response to consumer: Closed with explanation