vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my husband and XXXX Veterans started the process of refinancing with our current mortgage company Planet Home Lending. We have already completed the entire process of credit check, loan approval, house appraisal, termite inspection etc. During this entire process the Loan Processor seem unprofessional and would never answer her emails or voice mail in a timely manner. Although we were in the midst of COVID 19 we submitted all information and was given several closing dates original dates was XX/XX/12020, then XX/XX/2020 then again XX/XX/2020. At the last minute the Loan Processor needed to verify additional information for the underwriter which she had done weeks ago? 

She requested pay stubs, job verification etc which we submitted promtly, I made several complaints about the processor and spoke to her supervisor and I was assured that these issues will be resolved and closing will happen on XX/XX/2020. Unfortunately due to COVID 19 my husband was laid off his job on XX/XX/2020, I then left a voice message and send an email for the loan processor and her supervisor to see what steps we can now take to continue the closing of this loan, to date no one has return our phone call. 

We have also seek the assistant of a family friend who is also a Loan Officer and he contacted Planet Home lending about a week ago and he was told that the loan is in completion in the final stages and now they will not respond to him or us. We are frustrated and angry this company lack of professionalism has us at wit 's end and we can not get any answers. 

Please assist as quickly as you can we have no idea what to do and/or if our closing will truly happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
My bank does not allow me to link my accounts with XXXX. I have friends with accounts from the same bank and they have no issue using this app but suddenly I am not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: TN

Complaint narrative:
I bought a house in XXXX Tn XXXX XXXX XXXX. XX/XX/XXXX. After moving in, everything went bad. Furnace went out after four months, split AC unit went out after 10 months, water damaged spots started appearing on every ceiling. The roof is leaking. There was an undisclosed fire in XX/XX/XXXX, an undisclosed flood in XX/XX/XXXX, and an undisclosed foreclosure from XX/XX/XXXX to XX/XX/XXXX, our home insurance company refuses to pay for a house with pre existing conditions. The house is covered in black mold, walls are crumbling, floors buckling, roof leaking, siding that is rotting from the outside in. The appraiser never checked a minimum requirement and Fairway Independent Mortgage Company accepted a termite inspection that was done by an unlicensed inspector, the sellers agent was not licensed, our realtor intentionally frauded myself and my wife. After looking through my closing papers, and receiving the closing papers from the Fairway ( I had to ask them several times ), i realized important documents were hidden from me and some omitted from Fairways closing papers. My emails and my wife 's emails were hacked. My wife grew up with my realtor to top it off. This is horrifying. I am now unable to financially fix this house, myself and my wife have experienced XXXX and illness for 2 years and are pursuing this with help from a VOCA attorney. I am XXXX   and a veteran ... i can't get over this loss financially and have no other choice but move out for the safety of my family. I hope nobody ever has to go through this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: AZ

Complaint narrative:
My original mortgage lender ( XXXX XXXX XXXX ) that I was using sold my mortgage to another institution who currently is Union Bank XXXX XXXX XXXX XXXX, WA XXXX. I was having both taxes and insurance being placed in escrow so the mortgage company can pay these on my behalf. I found out through my insurance agent at XXXX XXXX that my homeowners policy was lapsed and I did not have coverage from XX/XX/XXXX to XX/XX/XXXX due to non-payment. I then called the service center of Union Bank in XX/XX/XXXXto explain that this was to be paid by Union Bank and that they were the new service owner of my mortgage and had an obligation to make this payment. They told me that they were going to look into this issue and that they were to pay XXXX XXXX. I was later told by my XXXX agent that due to the length of time of the lapse that they had to write a new policy for my home. I explained to Union Bank after calling them a second time that it was their fault that my insurance lapse as they were trying to have me pay lender placed hazard insurance. I spoke to a supervisor named XXXX ( Direct phone number XXXX ) in XX/XX/XXXX and she stated that she would be sending this issue to support research and I would get a call from Union Bank in a week. This never happened and I received a bill in the mail from them dated XX/XX/XXXX. I have attached this recent Bill.

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2020 I noticed 2 charges on my credit card that I did not purchase. Both charges state it was coming from XXXX. One charge is for {$460.00} on XX/XX/2020 and the other charge is for {$750.00} on XX/XX/2020. I initially thought XXXX made a mistake so I called XXXX first and the rep told me that they do not even see charges for these 2 amounts in my XXXX account. I also checked my XXXX account online and no charges of {$460.00} and {$750.00} were ever made. I called my credit card XXXX on that same day XX/XX/2020 and spoke with a rep named XXXX ( or XXXX ) and he was somewhat helpful. XXXX reported the two charges to their fraud department and he refunded me interest for the month of XX/XX/XXXX since  I should not be charged interest for purchases I did not make. Then, on XX/XX/2020 I received a letter in the mail from Barclays fraud department stating there was " not enough information provided to create a case ''. So my issue is not resolved and they just decided to close the case. Barclays never even asked me for my XXXX account statements. The Barclays rep XXXX did not even mention to me to send my XXXX account statements. I kept asking the rep XXXX, how the fraud department will handle my case and he said " just wait until we contact you for the next steps ''. But, they just closed the case without asking me for the next steps. I could have provided them with my XXXX account statement clearly showing there were no purchases with the amounts of {$460.00} on XX/XX/2020 and {$750.00} on XX/XX/2020. I called Barclay on XX/XX/2020 to try to resolve this issue but the rep this time told me she can follow up with the fraud department and I will hear back from them. The rep sounded very uninterested in helping me, so I wasn't sure if she was going to be diligent about my follow up. So, I called Barclay again today XX/XX/2020 and this time I was on hold for 3.5 hours and could not get through to anybody. It is extremely hard to get through to Barclay it  takes me 45 mins to 2 hours to get a hold of someone, but today I was on hold for 3.5 hours and could not get a hold of anybody. This is a horrible way to conduct business. They have no email. I have tried their live chat but the live chat says I have to call customer service to report fraud. How can I get my issue resolved when Barclay has horrible customer service! I have a feeling they are avoiding me. Also there is a huge language barrier because the customer service reps aren't very clear when they speak English which makes it very difficult.

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 monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I haven't had a recent credit score through Equifax and XXXX in three months. Since XX/XX/XXXX of this year no new information or changes have been made. I tried to contact their company, and never got a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
EXPERIAN PUBLIC RECORD FRAUDULENT INFORMATION USBKPT CT MO XXXX XXXX XX/XX/2012

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I haven't had a recent credit score through XXXX and experian in three months. Since XX/XX/XXXX of this year no new information or changes have been made. I tried to contact their company, and never got a response back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
I applied for a home mortgage and was turned down due to derogatory information listed on my credit report. The lending company gave me a copy of my credit report which is when I saw this collection account that was established in my name due to fraud. I filed an ID Theft report which is attached to this complaint. I am requesting that this collection agency stop reporting this fraudulent account to the credit reporting agencies as it has caused my home loan to be denied. If I am unable to purchase my home in time before my scheduled closing date, and I miss the opportunity to purchase this investment property because this collection agency does not want to comply and delete this account from the major credit reporting agencies they report to, then I will be filing a lawsuit against them for the damages I occured and the future profits I would have missed out on because of the inaccurate negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I filed a previous complain against Barclays after the death of my husband. A credit balance of {$530.00} remained on his account and they closed it due to his death and would not talk to me or my son regarding the rewards. His account number ends in XXXX, in the name of XXXX XXXX XXXX. After filing a previous complaint we did receive correspondence from the company and a check, however it was made out to my deceased husband and I am unable to cash it. My son called the company and they will not make the check out to my name even with a death certificate. They had said they would void the first check and make it out to the estate of XXXX XXXX XXXX, however this does not help us much since there is no estate, and it would cost more than the value of the check to open one with a lawyer. We dealt with other companies that owed us refunds due to my husband dieing and upon providing them a death certificate, they all issued a check in my name. I'd like to resolve this issue and receive a check I can cash for the rewards accrued and earned by my husband. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
EQUIFAX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX ACCEPTANCE NOW XX/XX/XXXX XXXX REGIONAL ACCEPTANCE XX/XX/XXXX XXXX COMMUNITY CREDIT XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX FINANCIAL XXXX RESOLUTION XX/XX/XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX GOLDEN XXXX XX/XX/XXXX XXXX RECOVERY CAPITAL XXXX XX/XX/XXXX $ XXXX RECOVERY COMENITY BANK XXXX ENERGY XX/XX/XXXX XXXX ENERGY PRIMARY XX/XX/XXXX PUBLIC RECORD FRAUDULENT ACTIVITY BKTCY CTS XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
I'm writing to submit a complaint about EOS-CCA. This company has been attempting to contact me repeatedly for quite some time. They engage in deceptive behavior in order to try to get me to answer their calls, calling from different phone numbers in many different area codes. My call records show more than 10 different phone numbers in just the last two weeks, I blocked each one, so they then call from a different number. They have at times called 3 times in a single day before I blocked the number. When I do answer,  they refuse to identify as a debt collector. The last time I answered the male caller would only say that they wanted to speak to me about a " personal matter ''. 

Refusing to identify immediately as a debt collector is a clear violation of the FDCPA, calling repeatedly is also. Using dozens of different phone numbers in various area codes is clearly deceptive and likely another violation of the FDCPA. The calls are coming in at various times, but the vast majority are between XXXX to XXXX local time for me, which is another violation ( I'm not in the 48 contiguous states these days, I'm not willing to tell them where I am, but It's somewhere between GMT +8 to +10. 
I want all communication from EOS-CCA stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.

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 2020-06-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX  ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On Monday XX/XX/XXXX I received a email saying that XXXX recently know as XXXX XXXX   sent me to collections for a balance of {$650.00}. I lived a XXXX  XXXX  for 2 years prior to moving out in XX/XX/XXXX. In the year that I moved out I had tremendous problems with my roommate. I have countless emails to prior management to prove this. After moving out, I received a outstanding balance bill in the mail. When I spoke with XXXX ( the current property manager ). He told me to write a letter in writing as well as through email and they would RESPOND with a counter offer. XXXX XXXX never responded as you can see from this email. I never heard anything from them in two years and i assumed it was resolved. 

The year XX/XX/XXXX, when I signed to renew at XXXX  XXXX  I had NO co signer. The cosigner that I had was from the year XX/XX/XXXX. That uncle and my family no longer spoke. XXXX ILLEGALLY, Reported him the credit bureau as well, He never resigned to cosign. Please pull the forms proving otherwise and PULL his name off of this. THAT IS ILLEGAL. 

This is a lawsuit based on the Fair credit reporting act in the state of Florida. 

I guess in the mix of the two companies merging/Switching documents were lost and merged. I have ALL my emails to XXXX  XXXX  & I'm ready to discuss this. Below, is the inital letter that was given to XXXX with the date right after receiving the bill in the mail. I also have all the emails with dates complaining about the apartments issues. We can go all day. 

But I will sue National Credit systems as well as XXXX XXXX for trying me. 

Warm regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Dear Sir/ Madam, I am writing to file a complaint against Moneygram for their unfair business practices. I used their money transfer services to send XXXX USD from my XXXX account to my own account in XXXX. I did the transfer and received an email on XX/XX/XXXX that the transfer has been sent ( The Reference # for this transfer is : XXXX ). I did not receive the amount and asked them to cancel and refund for the same. I have been calling their customer service for the past one month and they made an excuse that it would be refunded within days which never happened. I look upon the CFPB and wish to issue the complaint about refunding my money from Moneygram. Kindly consider this complaint as a high priority and I hope you will understand the situation. Expecting a positive outcome soon. 

Kindest regards, XXXX

Company response to consumer: Closed with monetary relief