vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: CA

Complaint narrative:
I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in Equifax shows as XXXX then in XXXX it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to Equifax and XXXX  into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in XXXX  shows as XXXX then in Experian it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to XXXX  and Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 we opened up a joint account for reason being that my current bank doesnt do any foreign wire transfer. We already had a credit card for 4 years so Im not new to the bank. We advised the bank manager what the intentions were for the reason why we were opening the account for, how much was being sent to us and we werent advised or warned that there was going to be a hold or freeze on our account. The wire transfer was from a relative from XXXX on XX/XX/XXXX and that money was only available for that day and we were only able to take out an atm withdrawal for {$1000.00}, a purchase for {$1200.00} and a purchase from XXXX XXXX for {$220.00}. Weve called at least 25 times since that embarrassing morning of XX/XX/XXXX when we found out that we had our account frozen and no one since then could give us a clear answer to is why our funds havent been released. Weve even made several appointment with the bank managers and put customer care on the phone to see what answers we can get and all we get is the run around that for us to call back next week and the following. This is getting out of hand already, we are in the middle of a pandemic and we need our funds. Im late in rent and other bills because these funds were going to be used for several important reasons and Im looking now into legal actions because the bank has no right at this point to hold my money. Another relative has BOA and received money from the same relative in XXXX on the same day for the same amount and hasnt gone through what we are going through, how is this fair? Are we being judged by our race or ethnicity???

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 2021-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Refinance VA Mortgage, Payed off Freedom Mortgage XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit union inadvertently sent ( 2 ) two payments after the mortgage was closed w/Freedom Mortgage ( 1 ) one payment was sent for the amount {$710.00} on XX/XX/XXXX another payment for {$710.00} was sent XX/XX/XXXX called Freedom Mortgage XX/XX/XXXX to find if they received the first payment Freedom Mortgage acknowledge they had received the payment and would put the money back into my account did no specify a date. call them several before the second payment was taken out XX/XX/XXXX. ( 3 ) three since the second payment was taken out got the same answer they would refund the total {$1400.00} back in to my account as of today XX/XX/XXXX the money has not been put in my account. 


XXXX XXXX XXXX XX/XX/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 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Early in XXXX I was ready to make my XXXX payment. When I went to do so my payment had increased in excess of XXXX XXXX a year. After numerous calls over several weeks and and a runaround I was finely able to find out it was an escrow increase? I paid the additional escrow in addition a few XXXX extra to accommodate the additional few XXXX that was still added. I have yet to receive any explanation for the additional money my mortgage has been altered without notification or description. Furthermore my loan document its state a specific amount for monthly payments. I also downloaded a program where it appears from XXXX the payment to escrow that have not been made by the company ) the emailed description the are doing nothing other then creating extra interest. Perhaps I am wrong with this but after a month and a half plus and hours with the company with nothing mailed even after requesting on every phone call after every runaround answer documents be mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I started a REFI with lakeview service LLC in XXXX of XXXX. That took until XXXX and the company rep told me that I would receive a check for {$340.00}. That did not happen. Had to rework the loan. It was finally completed in XXXX of XXXX. This process with phone calls took about 45 hrs on the phone. Not good. 
In first part of XXXX I changed homeowners insurance. I gave them all of the info including policy number and add. for the New insurance and I was told that it will be taken care of because my old policy stopped on the XXXX th XXXX. In early XXXX I received a check for the old insurance company. I then called lakeview service insurance division and was told to send the check and to put a note on it FOR ESCROW ONLY in which case I did. I called them back in mid XXXX ( XXXX ) and they put the check on principle and interest. At this time we had 20 hrs on the phone with them. 
Well that was finally taken care of XXXX XX/XX/XXXX and I thought all was ok. Not so. I received another check from the Old insurance company in which case I put that check in my savings account. I recalled Lakeview insurance division and complaind and then they sent the check to the Current insurance company and the insurance was paid. Now it gets NUTS. I then called escrow at lakeview service and was told that I owed {$1800.00} for insurance.. Again not so. I explained that I needed to send them a check for the insurance and they said your insurance was paid, then I was transfered to insurance. Guess what. They said all is well and dont need to send any more money to lakeview all is taken care of. Again not so. We have been trying to send the money to lakeview for the escrow. They wont take it. I have over 45HRS of phone calls. I just sent a letter to the president of lakeview and it was received on saturday XX/XX/XXXX. Still have not herd from them. I need help to get this resolved. No one at lakeview service understands anything. I am a veteran and XXXX. I want to make this right but I cant because every one at lakeview has no idea was is going on. I now have 70hrs on the phone with lakeview service in every department. I feel at this time they need to " let go '' all of those people and start over with someone that KNOWS what is going on.

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 2021-03-03 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
hi, i opened an account by Coinbase like a year ago. since then i have been able to buy, sell and exchange cryptos. 

the XXXX of XXXX last i tried to send a small amount of eth to my wallet in swissquote ( XXXX XXXX and it didnt worked out ( no problem - the transaction has been voided ) BUT MY ACCOUNT HAS BEEN ARBITRARILY DEACTIVATED SINCE THEN, claiming a security issue. 

i wrote to them immediately telling them that my account is not in danger whatsoever and got the answer they are gon na check the issue and it can take till 10 ( ten! ) days to get an answer ... 

after 11 days no comment from them. no answer to my mails. 
i should have XXXX XXXX -- in there now ... 

please help. 

tx in advance XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: RI

Complaint narrative:
I am in a mortgage forbearance with XXXX XXXX XXXX since XX/XX/XXXX currently ending on XX/XX/XXXX. I have been calling about the two three month extensions my XXXX XXXX loan is eligible for but the keep telling me they have no guidance from management and that I need to keep calling. 
I spoke to XXXX today who kept telling me that " as of today '' my loan was not eligible for any extension and that the only thing he could do was send me a loss mitigation application to submit to underwriting. 
When I insisted I was eligible he kept saying " as of today '' and that I had to pay on XX/XX/XXXX or be put into the next step. 
The strange part is that when Initially was connected the computer voice asked me to click 1 for the three month extension. He claimed he had no idea what that was about. He also said there was no supervisor available and that I could not record the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
this is ignoring my rights are consumer. I sent disputes due to inaccurate informations and i have no received any updates.

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 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
this is ignoring my rights are consumer. I sent disputes due to inaccurate informations and i have no received any updates.

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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a conventional home loan from Regions Bank d/b/a Regions Mortgage and was denied. 

My credit scores were XXXX respectively from the top three reporting companies at that time. 

I was paying a 20 % down payment. 

I had assets greater than the cost of the {$130000.00} loan being requested. 

I had money in our bank accounts covering multiple months of payments, even after making the down payment and closing costs. 

I had a fulltime secure job with XXXX XXXX in Tennessee and reassured the bank I had no intentions of quitting until I secured a job in Illinois. 

Due to COVID-19 restrictions, XXXX was allowing all employees to work from home indefinitely. I did not have to work in Tennessee to complete my traveling job responsibilities as a construction manager. 

We had already sold our home in Tennessee and we were planning on buying a home in Illinois in preparations for the future job offer. 

I had an apartment in Tennessee while my wife was living in Illinois with a monthly hotel rental that was less expensive than renting an apartment and paying utilities. 

My income alone covered the monthly cost of both my living expenses and my wife 's living expenses, in addition to being able to pay a mortgage monthly. 

I was waiting on a hiring letter fro the State of Illinois at the time of the loan application and re-enforced to the bank that I would not leave my XXXX XXXX job until I received the official offer and start date from the State of Illinois. 

The bank refused to give me a loan until I received and started a job in Illinois. 

When we attempted to use my wife 's 30 years plus self-employment income and credit instead, they also refused us a loan stating that she was not making enough income to cover the mortgage and living expenses. Expenses and a mortgage being covered by my salary alone without her salary. 

My wife 's credit scores were XXXX respectively from the top three reporting companies. 

XXXX, Illinois is known for redlining and segregation and recently the XXXX XXXX drafted a statement promising to provide better inclusion and equity to those seeking to own a home in XXXX. 

We ended up having to take money out of my retirement funds, paying early withdrawal penalties in addition to the taxes, in order to close on our home and buy the property in cash. 

Regions Bank took too long and in providing both loan refusals and we had to move our closing date once as a result and had to wait on the transfer of retirement funds. 

Please investigate Regions Bank and the history of their loan practices, especially for people of XXXX in XXXX, Illinois.

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 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
XX/XX/2020 I have received a letter by mail from Transworld Systems Inc also known as TSI. stating that the information I provided them is not in their system and to please send them by mail my account number, how much I owe, and my social security number. The amount I owe is XXXX but my information is not attached to this amount or any amount for that matter. To my understanding if I owe this company money. They should already have this information in their system. Therefore Im disputing this debt due to the lack of information that they have on me. They only have my name and address. Ever since I contacted the company in XXXX of 2020. I have yet to receive any type of bill from them that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems is repeatedly calling me XXXX almost daily ). I do not have any debts in collections and have seen the complaints online about this company. I never answer the phone, they never leave a message, I keep blocking the number, and they keep calling from a different phone #.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
My Husband and I lived in these apartments back in XXXX and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.

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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have about 3 to 4 different names never been a California Resident in my Life theses names being used dont hold a Social Security Number the only one to my knowledge that matches my Social is XXXX XXXX XXXX this needs to be Resolved with theses Companies using incorrect information depleting my account they are doing this by Virtual Currency it all started with XXXX Bank but I changed banks to Prove my Identity showing its not me behind all the Foolishness thats taking place I also have a Child Support Case thats not even Registered in the State so how Im receiving Child Support I dont know but something definitely isnt right here

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