vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: NC

Complaint narrative:
Pls see complaint # XXXX. Home Point Financial has not as of yet refinanced mortgage loan. Last time I spoke to the loan processor who was handling my case ( 2 weeks ago ), I was told everything was all set and should be closing on the loan within about a week. Now I just received an email from the company stating that a new loan processor has been assigned. This person just informed me that some of the paperwork they have already requested several times and I have provided every time have expired ( including the rate lock ) and I need to provide yet again. She also explains to me that she will need to contact upper management to " see if '' they can override the rate and keep it at what was originally agreed upon, but had expired due to their delay tactics that has kept me in this process since end of 2020 costing me thousands of dollar in interest in process. I believe this company home Point Financial is purposely delaying this process for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
In the month of XX/XX/2021 30 days ago, I disputed via mail certain particular accounts and inquires that appeared to be erroneous reported on my credit report due to identity thief and fraud.. I'm a victim of identity theft and I'm seriously being affected in my personal life because of these account 's which should have been removed and blocked. 
This information is entirely inaccurate and the credit bureaus have failed to reply within the 30 day time frame regarding their alleged investigation.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my second attempt to resolve this issue, please read document for details

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I keep receiving a collections from Truist Bank XXXX BB & T Bank regarding some bank overdraft fees. Accts. : XXXX $ XXXX {$110.00} The last collections came from XXXX XXXX  XXXX XXXX ( XXXX  ) their files XXXX XXXX  and XXXX XXXX. 

I have requested the proof of debt which I received from XXXX  on XX/XX/2021. Upon examing the proof of debt, I found out the person who opened and used the bank account had the same name as I, but absolutely a different person. Further, the address provided on both bank accounts was never my address. On XX/XX/2021 I sent a certified mail to XXXX explaining this debt was not mine and to a cease and desit any communication with me unlex they could actually prove that I was the one who opened and use those 2 bank accounts. 
For my dismay, yesterday, I received another collections letter from XXXX. 

This situation seems to be their modus operandis, where they keep harrassing law abiding citizens violation their FDCPA rigths. 

I want the bank to cease and desist this collection effort together with XXXX  and or any other collections agency. 
If the resolution is not satisfatory, I will pursue the matter legally. 
I sincerely hope you can help me resolve this matter cleaning my credit and good name. 
Thank you, 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 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
*This is a new complaint* During the period including XX/XX/2021, I was on deferment with the company. I have documented proof of deferment, due to not being able to pay my bill based on being affected severely by COVID. I have new documentation which shows this, however, the company refuses to review the new information. 

I spoke with the CFPB today, Tuesday, XX/XX/2021 at approximately XXXX and they advised me to submit a new complaint due to their being new information and new complaint related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
While on forbarance and struggling with the affects of XXXX. Our loan was sold from Wells Fargo to a new servicer. Both my husband 's and my job was affected by covid. Both of us had XXXX  along with our kids 1 of which was hospitalized for sometime as he has other very serious medical conditions as well. 

When I called today to start moving forward during this trying time they advised me they could not help me and the mortgage was sold. I have received no notification on the loan being sold and no information on how to even move forward to get help with this loan.

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 2021-08-03 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: ECMC GROUP, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I contacted Coinbase about being unable to log into my account. I needed to have a recurring purchase halted as I was not able to sign into my account. 

On XX/XX/XXXX, Coinbase responded saying they would look into the issue. This was the last message I received from Coinbase that was not an automated message. Despite numerous attempts to contact Coinbase about this issue, there has been no actual response.

Since then, there has been a {$200.00} biweekly withdrawal from my bank account ( {$200.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to purchase ETH. As I have no way to access my account and explicitly stated that I did not authorize these purchases, I have to assume that Coinbase has scammed me out of my money and is committing some sort of fraud by continuing to make purchases that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: MD

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had a credit card with Bank of America, that was in good standing, then I had a yearly charge for {$25.00} or so, I didn't know it was charged and missed a payment. Then wasn't sure I missed a payment and missed another since I haven't used the card in a while. I paid in full and then there was an interest payment that was {$1.00}. Which caused me to be late again because I thought I paid in full. So then BOA cancelled my card, all of the delinquent payments weren't removed because of an honest mistake and my credit took a massive hit. It's not like I charged thousands of dollars and left town.

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 2021-08-03 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: GA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Is this a SCAM or what? Email from Pentagon Federal Credit Union No Fee XXXX XXXX, XXXX XXXX Sun XX/XX/2021 XXXX PM Hello Ja and Et Thanks for talking today. As I mentioned PenFed rolled out a no fee VA XXXX ( Refinance ) program a few weeks ago. We are covering all the fees ( VA funding fee, title, credit, etc. ). If you have your taxes escrowed at PenFed we are able to rollover the balance to the new loan. Here is the breakdown of what I was playing around with that I mentioned You current situation Remaining Balance : {$540000.00} Interest rate : 2.75 % Payment : {$2200.00} +/- ( Principal/Interest ) VA XXXX XXXX XXXX XXXX : {$540000.00} Interest Rate : 2.25 % ( 2.276 % APR ) ( XXXX Credit Score ) Payment : {$2000.00} ( Principal/Interest ) Monthly Savings : {$170.00} Total Savings : {$63000.00} This is just something that I was playing around with and thought you should know since we are covering all the costs. 



Let me know if you would like to discuss further. 





-Thanks! 







XXXX XXXX Mortgage Loan Officer NMLS # XXXX O : XXXX | C : XXXX Submit a Mortgage Request Get My Rates

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 2021-08-03 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
HI. I am submitting a follow-up request to have PayPal review my account further. The previous case that was submitted stated they were unable to release funds due to me receiving unemployment in XXXX  and XXXX. I have a rental property in XXXX  which allowed me to qualify for unemployment in XXXX. Due to COVID-19. I was unable to rent out the rental property on XXXX  as before. As far as XXXX, I am a previous resident and ran an event planning business nationwide, with most of my business being in XXXX. I am XXXX XXXX and have only lived in XXXX  for a short time with close family due to the situation. My business is still based out of XXXX. I have submitted proof of my XXXX  residency by uploading my XXXX  ID card. In parenthesis is a link to my XXXX page which also shows proof of my event planning business which is in XXXX. ( XXXX XXXX XXXXXXXX ) I also uploaded a screenshot below of the XXXX  property that I rent in Arizona which qualified me for unemployment in XXXX. I have never been a resident of XXXX  but in fact a property owner. Both XXXX  and XXXX  have been reported on my end to know that I am receiving unemployment from both states. I was stuck in the backdate process from XXXX  since the beginning of the pandemic and finally was released in early XX/XX/XXXXwhich caused a bunch of payments to come into my PayPal account at such a rapid pace.. The payments from XXXX  were paid accurately on dates that were not paid for XXXX. I was eligible to receive payments from both states per the unemployment guidelines as long as I reported each state. I hope this detailed information provided is enough to have my funds released as I have not committed any violation and have provided the necessary information to have them released. I am willing to provide any additional information upon request from my lawyer which I have listed their information below. Thank you for the additional review and I hope this is enough information to prove that this was a mistake. 



XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Due to my husband 's business experiencing a loss because of XXXX, I fell behind on my XXXX  Bill. I contacted them in XXXX, and they provided me a Covid hardship payment plan which closed my account and I would continuing posing the balance each month. Every month XXXX  and XXXX  have reported the account closed. However, Experian has reported inaccurate information. I have spoken to both parties and submitted disputes. They will not correct the infraction.

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 2021-08-03 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: Global Lending Services LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Back on XXXX XXXX, XXXX I contacted Comenity Bank about the 2 finance charges they had on my transaction sheet where I pay my bill. It listed two finance charges. When I asked them to explain themselves, they beat around the bush and did not directly answer me. I told them I wanted a full explanation and here is what they said : Although your interest rate did not change, other terms in the account have changed. To align purchases with the new terms, all purchases prior to XX/XX/XXXX will calculate a separate finance charge from any purchases after XX/XX/XXXX. When I inquired what the " new terms '' were they did not answer me. I told them I wanted a printed copy of the terms as well and still nothing. When I said if they did not explain things to me I would contact the Consumer Finance and let you know what was happening.

Comenity discontinued my card back in XXXX without a full explanation and I have not made a purchase with that card for nearly 3 years! The thing that has happened now is they went in and altered the transaction information and took off all the 2nd finance charges that were showing! I would like a credit for all those charges I was wrongly charged and a written explanation of what those " change in terms '' were exactly. I also found out they are doing the same thing to my Blair credit card account too!!! Two finance charges on them. Please make them stop and give my credit and written explanation. No other company is doing this. I do not have the card any longer so I can only provide the last 4 numbers of the account from my statement. Also, the ID number from my last contact with XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, Sun Trust closed my checking account and confiscated over {$5000.00}. They have been holding my money claiming that my account is under review. I have spent over 3 hours on the phone with them trying to get my account status and when my money will be released. Despite talking with 7 supervisors in their fraud department, no one is willing to give me any information. It has been 20 days since they froze my account. I desperately need access to my money!!

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 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
Back in XXXX, I applied for a loan and was given terms. I supplied all materials requested in a timely fashion. I never heard back and was concerned about the rate lock expiring. After many attempts to contact the company with no luck, I finally got someone who informed me that my loan person had left the company. The person said he would get things back on track. I told him I was concerned that my rate would go up due to delay. After another month or so, I was informed my refi was back on track but the rate was going to be higher. I complained and they said they would honor the rate but I would have to go through the process again. I unhappily agreed. They then requested all ppwk again which I supplied in a timely fashion. After many more months, now into XXXX, I was told that my I would have to pay fees to secure my rate and that after 7 months, if I did not pay them, my loan app would be terminated. 
It cost me much time, effort and costs in providing all they requested TWICE. 
I have no idea why I was treated so poorly. I have never experienced such lousy treatment. Was it my rate was attractive? Was it who I am? Maybe it was an XXXX XXXX bias? I have no idea but I demand satisfaction for my time, costs and opportunity lost dealing with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Due to my husband 's business experiencing a loss because of Covid, I fell behind on my Target Bill. I contacted them in XXXX, and they provided me a Covid hardship payment plan which closed my account and I would continuing posing the balance each month. Every month XXXX and XXXX have reported the account closed. However, XXXX has reported inaccurate information. I have spoken to both parties and submitted disputes. They will not correct the infraction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Transunion is conspiring with XXXX mortgage company to continue to re-age an old bad debt. I tried to file a dispute online but Transunion refused to accept the dispute. On XX/XX/2021 I sent, via certified mail, Transunion evidence/proof catching XXXX re-aging my account by removing payment data from my credit report. Transunion has refused to fully investigate my claims of fraud, allowed payment history to be removed, allowed payment history to be reported as no data, all while presented with a mountain of evidence of XXXX 's wrongdoing. I supplied Transunion with the same evidence I am attaching to this complaint. Evidence that includes a copy of an old Transunion credit report showing the missing information.

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 2021-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the last few months, CheckN Go has been calling at least 3 times/day and sometimes more. They never leave a message. The call is identified as XXXX XXXX It concerns a payday loan at an exorbitant interest rate.

Company response to consumer: Closed with explanation