vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
We applied for a mortgage loan through Ameris Bank. During the application process the loan officer, XXXX XXXX # XXXX, Senior Mortgage Loan Originator ) locked us into a rate and charged {$2200.00} without our knowledge. When I questioned hi about this, he responded " I locked 16 people in that day. '' We received the disclosure statement on XX/XX/25 which included the rate lock with corresponding fee. When I informed XXXX XXXX of this, he responded, " no changes can be made to the disclosure statement at his level. When a customer change their mind, it has to go to a higher level to be changed. '' I stated, " We did not change my mind. We never asked for a rate lock. We never discussed a rate lock and we are not paying {$2200.00} for a rate lock at 2.99 %. When other financial institutions are offering rates at and below 2.99 % without fee. 

When we realized he was trying to cover his actions by suggesting that we changed our minds, we decided not to sign the disclosure statement. We felt our trust was violated and we decided to get the mortgage through our bank. 

Because Ameris bank is one of the builder 's " preferred Lenders '' switching the mortgage to our bank resulted in a loss of {$6500.00} in builder contribution to closing costs. 

I reported the incident to XXXX XXXXXXXX XXXX  manager, XXXX XXXX. He stated that he would do an internal investigation and get back to me. He has not reached out to me again.. 

It appears XXXX XXXX has been operating in this manner as a normal business practice. This must be stopped immediately!

Company response to consumer: Untimely response
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Inaccurate and fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian reporting agency is nit keeping up with my current status. 
The other two are almost 80 points higher. 
When i call them the give me the run around about fico the same fico the other two agency use what is going on? 
They also said i filled a dispute with XXXX  XXXX  on the XXXX  today and i did not? 
They are very confusing to talk to. 
Please help explain why there is such a difference between the other two agency and Experian?

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 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I received a card from Cash App which I had never requested sent to my previous address and forwarded to my current address by the USPS. I have no relationship with Cash App. I contacted them via phone. The first representative refused to assist me and tried to direct me to open an account with Cash App to be able to close the fraudulently opened account. The second representative said they could not close the account opened in my name and that the only way to prevent my information from being used to open a Cash App account was to open a Cash App account myself. On XX/XX/XXXX I attempted to contact the company again and made them aware of complaints submitted to the FTC and the Federal Reserve around their practices. The representative tried to direct me to give my email and set up an account with Cash App to close the fraudulently opened account. I told the representative that I was going to be submitting a dispute letter generated via the FTC 's Identity Theft services and the representative declined to further assist me over the phone. I have submitted a police report and will be submitting a written complaint using the FTC 's Identity Theft resources shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TX

Complaint narrative:
I recently applied for a home and my lender tried pulling my credit with all three of the bureaus they successfully pulled from XXXX and XXXX but Equifax will not release my report. Today is the last chance to pull it or they will have to not go through with the closing. we have tried multiple times pulling my report. We have also called Equifax and they say nothing is wrong but still won't let my lender pull my report. My lender is XXXX with XXXX XXXX  please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I applied to a background check for XXXX a XXXX  contractor. My results came back incorrect and I want to resolve the issue by getting the right information replaced. My case is pending but the court has messed up my charges and have not fixed them yet so I will be talking to my lawyer about this but once that end is taken care of I will need to address and fix the problem with you. Contact me via XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
PenFed illegally altered the payoff amounts to another PenFed loan ( XXXX ) and credit card ( ending in XXXX ) specified in documents closing on my home equity loan XX/XX/XXXX ( No. XXXX ) after the disclosure was issued and closing took place. 

PenFed was obligated, according to the signed closing documents, to pay off the personal loan and credit card. It was further obligated to accurately calculate and disclose payoff amountsa simple enough task since these were amounts owed to PenFed itself. 

More than two years later, PenFed began asking for payments on a {$3000.00} personal loan balance that should not still exist. I note the text at the top of the disclosure declares This form is a statement of your final loan terms and closing costs. I was never notified prior to a letter from XXXX XXXX, Chairman, Supervisory Committee, dated XX/XX/XXXX, of any deviation from the payoff amounts. In fact, PenFeds closing attorney explicitly told me at closing that all prior PenFed borrowing was being paid off and those accounts closed. I am separately investigating possible fraud on the use of the credit card after closing. However, in any event, the account should have been closed, preventing any fraud from occurring, and the closing documentwhich must have final sayagain shows an amount different from what PenFed reported XX/XX/XXXX. 

Notwithstanding another communication from PenFed after the closing, the closing document was legally sacred and there was no reasonable excuse for disregarding the payoff instructions.

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 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I wanted to reach out regarding the following violations posted to my credit report 15 USC 1681 a ( 2 ) ( B ) Exclusion from a consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 U.S. Code 1681b - Permissible purposes of consumer reports I am doing my due diligence to restore my credit after one of the most toughest times in world history. As a consumer these are a violation of my rights. I am demanding that the following account be removed immediately. Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$430.00} XXXX XXXX XXXX XXXX  XXXX Amount {$420.00}

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 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I had converted Binance Cryptocurrency into {$240.00} USD in my Binance.us account and sent it to my checking account. I never received my disembursment email which would let the transaction go through to my bank. I contacted Binance.us through their ticket system and received no response. I have done similar transactions with them before with no problem. This is the first time there was an issue. Finally after no responses from Binance.us, I contacted the XXXX XXXX XXXX. After a few weeks of using them as a liason, Binance.us claimed their third party company that sends the disembursment emails said I received the email. I again stated I have not received it and my funds are still pending as a transfer to my bank account. The XXXX XXXX XXXX closed the cased showing that I did not agree with the resolution. So it's been over a month, and I can not receive my funds, and customer service at Binance.us isn't giving any real timely communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Afterpay US Services, LLC
State: GA

Complaint narrative:
I placed an order with Afterpay back in XXXX its already paid for and fulfilled because of a glitch with Afterpay duplicated the order I never placed a new order in XXXX but yet I was charged for a new order and it needs to be cancelled I contacted the merchant and the only order they have for me is the one in XXXX which is already fulfilled and paid for.. I do not need this order to be sent again i just need my money back and to stop any future payments on this order. Please canceled this order and cancel all future payments. I have been dealing with this for order a month now and it is not fair to be paying for this order when it was already paid for I am in touch with them since XX/XX/2021 and nothing has been solved instead they were asking me to make payments until this is solved. Why would I make a payment on your mistake. And they were quick to send me to collections I am beyond upset at this point. I have emails acknowledging that it was in fact a mistake and still not refund was received instead a got to be put in collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Please see the attachment. The Credence company sent me a debt collection notice on behalf of XXXX XXXX XXXX regarding a due bill that was incorrect. I followed up via phone and asked for the details of the due bill and they promised to email me the detailed bill right after the phone call. however, I never received any emails from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My personal information was used to try to open 3 new credit cards. Experian credit was involved in the inquiry. A credit card application was attempted from : XXXX  XXXX, XXXX, & XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2021, I received a text alert from Bank of America ( BOA send text messages to its client ) asking me if I had deposited XXXX to a XXXX XXXX account. I reply NO then they send another text asking if I want to speak to a representative I reply YES. Someone called me identifying as BOA representative, the caller ID said BOA and it was the same number on the card. The representative had all my bank account information. amount, account numbers, business account, my husbands name and my name, social security numbers everything! This person instructed me to do some transaction between my accounts and told me to use my email address. There were three different transactions from two different accounts. my personal and my business. while I was talking to this person I called the Bank and told them what was happening, they told me to stop any transactions if I can but apparently it was too late. I went to the police station and made a report, I have called the bank several times, but the bank is not responding at all. All they said is because Id id the transactions by XXXX I am responsible for. The thing is that when people send me money through XXXX  they send is not immediately. They have been very rude and not taking responsibility of anything. I have been banking with this bank for years but this is not right. I have a police report and the bank not even ask for it. All I have heard from them is you did the transaction you loose the money. This is a fraud by a bank employee. There is not way someone will know exactly how much money including cents  I have in my bank account. The bank told me to allow them 90 days for investigation, I called them a few times within that time and they have told me already that they cant do nothing. The bank is not taking ownership, we are both partnering they said this is a fraud someone did to me that it was not them but the fraud was not only to me but to them too because they are included in this. This is the bank issue. this fraud transactions comes from people that works there, it is too strange for someone to have all my cents information from each bank. I lost {$13000.00} and the bank is not responding for any? something is wrong here. I need a full investigation and want to feel protected when I deposit money at the bank.

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 2021-09-08 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: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Sheffield financial- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX  XXXX- inquiry from XX/XX/XXXX These inquiries are all fraudulent Ive tried to get them off through all credit bureaus and the companies but all I do is keep getting letters..

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Started with XXXX breach in 2019! I was exposed, had my SSN stolen. XXXX then offers a complimentary 1 yr " Credit freeze '' That expired. 
XX/XX/2019 I have credit applications filed that I didn't make. I Put Freeze at all 3 Credit Bureas. And filed a FTC report Ref. # XXXX. 
That Report " Expired ''? The Experian Freeze " Expired " and is " Unlocked '' now,? 
I tried to re- lock with Experian and can not Online. But can with XXXX and XXXX. 
( although none of them tell you how long the freeze is )? 

So, I went online to 'Experian '' and with my email and SSN, only,! I was able to get into my account!! Remember in line 1 above, I stated my SSN was hacked? Yes indeed, It's easier to get into my Credit Bureau account, than it is to 'PUT a FREEZE '' on my credit, with Experian!! Unbelievable. 
Now I am getting more Credit card application notices from XXXX XXXX  and XXXX XXXX. I call them and they can not tell me where or who is filing these??

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 2021-09-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by XXXX, XXXX XXXX Equifax, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to Equifax, XXXX XXXX XXXX ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands. 

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: MA

Complaint narrative:
Inaccurate and fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. and they havent responded in over 30 days..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
We called Rocket Mortgage to inquire about a refinance. 
They told is we could lock in a rate at 2.99 % and our payment would be around the {$950.00} range. We submitted our documents and paid {$500.00} for the appraisal. 

We contacted Rocket Mortgage several times to inquire about a closing date and to get information and we just kept being told we would receive an email with information to schedule our closing ( which we were told we would be recieving $ back at ) After destroying our credit and waiting until the grace period was over to go with another lender, Rocket mortgage calls us and completely changes our mortgage terms even though our appraisal was in a week before and already marked as reviewed. They then say our appraisal was to low and that they can only give us a 20 year loan at {$400.00} more a month then originally quoted and we would be required to bring {$8200.00} to closing. Our appraisal was only {$5000.00} lower then the estimate. They led us on so we couldn't go with another company to get us into the loan they wanted us to have to benefit them and scammed us. Terrible buisness practices.

Company response to consumer: Closed with explanation