vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: DISCOVER BANK
State: TX

Complaint narrative:
Justify your action for closing the account I never made the state that this account was open fraudulently. I tape recorded the conversation too. 
Account Center Last 4 # : XXXX Discover logo XXXX XXXX XXXX, your temporary password for Discover.com has arrived Your temporary password is : XXXX Phone number and address was verified also the charges on the account were verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter. 
Send out another card to my address or Or keep the account close and I will not be responsible for any charges on the account. 
The Company close the account they stated they have noted that the account was open without my consent. 
So, they close it and they are responsible for any action of their employee regarding what every the person wrote I never made this statement XX/XX/XXXX, XXXX Survey from this company XXXX  XXXX ESPANOL How would you rate us? Wed love to hear what you have to say! 


This is a reminder for an email you received XXXX days ago. We are following up because Discover is interested in getting your opinion regarding a call on XX/XX/2021 with Discover Customer Service. Your response on the level of service you received will help Discover improve their service quality. The survey should take just a few minutes. Please note : This survey does not require any personal identification or account information. 
How satisfied are you overall with Discover? 

Very Dissatisfied Neutral Very Satisfied 1 2 3 4 5 6 7 This survey link will expire in two days. 

Thank you for your time and participation. Your response will help Discover better meet the needs of customers like you. 

Sincerely, In Moment on behalf of Discover Customer Service Sent payment statement Your statement is ready Your statement will arrive in the mail. You may also log in to your Account Center to view it online. 
Statement Date : XX/XX/2021 Statement Balance : {$4700.00} Your minimum payment of {$96.00} is due on XX/XX/2021. 
View Statement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: OK

Complaint narrative:
My father had an IRA with BBVA which he was allowed to set up without a beneficiary, unfortunately. He passed away intestate. I have been trying to obtain hard copies of BBVA/PNC 's bank instructional information regarding this situation from BBVA/PNC for months now . Specifically, I've asked for a custodian agreement or whatever policies the bank ( s ) have for accounts with no beneficiaries. I've called and left voicemails with the legal department ( do not have dates but sometime between XXXX XXXX ) and have not received a response. I faxed the fulfillment department on XX/XX/XXXX and have not received a response. I visited a branch in the next state over ( there are no branches in my home state ) on XX/XX/XXXX and waited in line for 30+ minutes to meet with someone for this information. I spoke with XXXX XXXX, the branch manager at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, who advised me that he would have to call the legal department and the wait would be 40 minutes. He gave me his business card and told me he would help me over email. To date, he has not responded to any of my emails ( sent : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - today ). The only information I have been able to obtain by phone ( previously and this evening on XX/XX/XXXX ) is that to transfer an account after a death, a death certificate and either : 1 ) Letters of Administration, 2 ) Letters Testamentary, 3 ) Affidavit Claiming Successor, 4 ) Court Order, or 5 ) Muniment of Title/Affidavit is needed. I am unable to obtain the Letters of Administration from the Court without a document from the bank saying that the letters of administration are needed due to the length of time that has passed since my father 's death. BBVA/PNC has told me the only way to obtain a " printout '' of this information is to go to a branch and request it. How is this even possible in this day & age? I have already done this unsuccessfully and the nearest branch to me is 182 miles away in the next state. Additionally, the branches DO NOT ANSWER their phones so it is not possible for me to set up an appointment to meet with someone. The website does not have an option to set up an appointment electronically either. I've been told that in order to transfer the account when I do have the Letters of Administration, I also have to do this in person. This is the first time I have encountered this issue in any of the accounts we've had to transfer for Dad and unduly burdensome since PNC/BBVA does not have any branch locations near me. All other accounts with other institutions have been transferred remotely after faxing/emailing/mailing information. 

I'm able to provide the emails sent to XXXX XXXX as well as the fax ( and confirmation ) sent to the fulfillment department upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
As a result of copvid-19 my income decreased drastically. I've reached out to Rushmore multiple times submitting, and resubmitting requested documents over the last 6 months to secure some sort of assistance. Regardless of what was submitted it was never enough. I have submitted all requested Borrower Assistance Application information regarding my loan modification. Finally, after 6 months of back and fourth, rejected payments, Rushmore has finally acknowledged all paperwork has been received. 

On Friday XX/XX/XXXX I received a letter dated XX/XX/XXXX stating I am in default on my mortgage loan and encouraged to contact Rushmore to explore foreclosure alternatives. I'm currently in the middle of a modification??? I received a letter dated XX/XX/XXXX stating Rushmore would reply in 30 days to my modification request. After submitting all my paperwork, receiving acknowledgement that all of my loan modification paperwork was successfully submitted, I receive a letter referencing foreclosure. Now I'm being told to pursue foreclosure alternatives, my modification request is still pending or so I thought. 

I am doing everything requested to keep my forever home and Rushmore continues to place doubt that they are trying to help me keep my home. I finally feel like it's going to be alright and then I get this notice in mail as if I hadn't already submitted a modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VT

Complaint narrative:
My husband and I went under contract on a property that had been foreclosed upon on XX/XX/21. Lakeview Loan Services is the bank managing the property. We have missed and readjusted our closing date 3 times because of their negligence. They were informed of an outstanding debt to the HOA by the listing agent back in XXXX, giving them ample time to deal with the issue. Now, there is a lien on the deed to the property, and Lakeview doesn't answer phone calls, emails or any other form of communication. They won't even contact their own attorney. We can't close on our home until the debt is paid and the lien is lifted. We informed our landlord that we were under contract, and they expect us to be moved out, keys turned in by XXXX. If we don't sign closing papers this week and move in this weekend, we are essentially 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 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Paypal held my money for the 180 days and I still can not withdraw the funds. No one can tell me why or answer any questions on the time frame.. I received no email as to why XXXX XXXX XXXX Last 4 of my ssn is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
On XX/XX/2021 I filled a request to validate debt to Amerfinancial solutions certified mail. Amerifinancial did not respond in the 30 day period. Also they never responded. The debt amount is XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 30 days and this information has not been suppressed or removed from my credit report. My disputes have been ignored by Equifax for the past two years with no letters of acknowledgement, reporting inaccurate information, out of date information and so on. They are the only credit bureau that has not completed a dispute request or proper investigation whereas inaccurate information and Identity theft accounts have been removed from XXXX and XXXX for years. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove disputed information. Since it has been over two years disputing the same inaccurate information I demand these accounts be removed expeditiously or i'll be forced to file litigation due to the unsurmountable stress and disruption this injustice has caused me. My information was also impacted by the Equifax data breach and i'm sure it has gotten in the wrong hands due to this ongoing issue with someone using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I reached out to the credit bureaus about this particular debt and its been over 30 days and they havent responded. They have yet to show me proof that I owe anything. They have 7-14 days to respond and show me proof. If they cant verify that the debt is in fact mines, it needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The address XXXX XXXX XXXX is an inaccurate address that was on all XXXX main credit bureaus and XXXX XXXX. XXXX, XXXX and XXXX XXXX have all removed the incorrect address. After many attempts ( XXXX. Report # XXXX XXXX, XX/XX/XXXX ) ( XXXX. XXXX, XX/XX/XXXX ) and several phone conversations, Experian XXXX refuses to remove the inaccurate address. This address is not tied to any trade lines and opens me up to identity theft. Experian actually has my account flagged for the possibility of identity theft. There were a total of XXXX addresses on my Experian credit report and they have removed all but the XXXX XXXX XXXX address. 

Experian has been fined XXXX XXXX dollars by CFPB for deceiving consumers, there has been over XXXX complaints made to the CFPB by consumers of this very complaint. Experian only verifies information NEVER validating the information that is disputed on the credit reports. 

Additionally, in XXXX & XXXX Experian has experienced breaches which is why I am making sure all of my information is accurate on my credit reports to ensure I am protected. 

Even after being absent from the address of XXXX XXXX XXXX for over XXXX years I have received mail with that address on it.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I XXXX XXXX natural person and consumer pursuant 15 USC 3002 , is aware that XXXX, XXXX, and EQUIFAX are violating my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I XXXX XXXX natural person and consumer pursuant 15 USC 3002 , is aware that XXXX, EXPERIAN, and XXXX are XXXX my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).

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 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Hello, My vehicle was wrongfully repossessed on the date of XX/XX/21 at XXXXXXXX XXXX on private property. I contacted the company to get my vehicle back. They gave me the information to collect my belongings. They did not state what belongings were in the car when they repossessed it. Once I arrived to get my belongings, Multiple items from my car were stolen, My guitar was passed down from generations, other music equipment, my daughter 's car seat, speakers, and even jewelry I left. The company stated I would have to pay the fees owed and deal with the tow company. Which I did, and they still did not help me or explain where my items were. I was informed to contact the company I received the car from and inform them. They did not help me. I have sent them a cease and desist to not contact me, along with a debt validation letter. Which they did not validate. I get contacted and harassed by the company on a daily and weekly basis through letters, phone calls, and emails since I've started the dispute. This is completely unfair and inhumane to do, especially in the state of the world right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had been receiving promotional letters by mail and email from Citi Bank for about 2 months. Promotion term were to switch or apply for a new Citi AA Advantage card spend XXXX $ or more to get the benefits and bonuses. I had a different Citi credit card already. Finally in XX/XX/2021, I decided to call Citi agent to find more about the offer. During the conversation I asked and clarified that if I SWITCH from old Citi card to new Citi AA Advantage card then I will receive promo bonus miles in amount of XXXX for spending qualified amount of money plus 1 year free from membership fee which was XXXX $ and XXXX $ for another qualified spending and she said YES to everything. I met the requirement in 1 month and after 90 days I did not get any bonus miles but instead they charged me XXXX $ membership fee. I called them to complain about the charge and missing bonus miles to what they did is they refunded XXXX $ fee and said that I did not qualify for bonus miles because according to promo terms I had to be a new customer. I escalated the case to executive office manager who called me twice and I requested the phone conversations with agent happened in XX/XX/2021 to be mailed to me as a proof. Last time she called to inform that she listened to my recorded conversation with agent in XX/XX/2021 and that during the conversation we talked about everything except bonus miles which is total lie, we spoke about every single promo detail. I insisted on getting my bonus miles for the last time over the phone but unfortunately they declined my kind requests. 
It is absolutely insane how they can treat their valued customers but I bet we are just numbers for them. They did not honor their own promises, advertisements and guarantees. 
Please be aware. 

PS : When I called Citi Bank for the third time about my bonus miles they switched me to XXXX XXXX line and when I explained the situation to XXXX agent she shockingly replied saying Citi did awfully wrong for pushing the responsibility for bonus miles to them. They did not provide me with my phone conversation with a Citi agent that happened in XX/XX/2021.

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