vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TCF NATIONAL BANK
State: AP

Complaint narrative:
Today is XX/XX/21. I am a military member currently serving XXXX in XXXX. I deactivated my debit card and ask to get sent a new one. The bank refuses to sent me a new card XXXX, forcing me to create a new bank account here in XXXX. After doing that and start a transfer of money over to my new bank account, the money transfer process got suspended because they thought it was fraud. I called and found out that they froze my bank account. I can not do anything, transfer the money anywhere unless I come into the bank. Which I told them I can not do that, and then they told me I have to write them a notarized letter saying it was me. I could've easily verify it is me over the phone like any other bank, and even offered to sent them an email with a picture of my IDs using the email that was on file. They would not accept. Their forcing me to go to a US Embassy to get my letter notarized or Im not gon na be able to spend and use my money. Now I am stuck with no money to even buy food and have to wait for a letter to be sent and get it notarized. The service is incredibly rude and unhelpful and the bank will not do anything to help an active-duty service member. It would be easy if I was at home but I left in order to serve this country and risk my life. And now they are making things more difficult and I cant even pay for my own food.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was on the covid deferral. I spoke with someone on XX/XX/2021, who told me that my first mortgage payment after coming off the plan would be XX/XX/XXXX. I have sense spoke with 4 different people in regards to the bank stating I missed my XXXX and XXXX payment. I have also paid {$2000.00} on XX/XX/2021, that should have been applied to XXXX payment. They distributed {$1100.00} to XXXX and put {$890.00} in suspense, and are saying I owe XXXX and XXXX now. I advised that per the convo on XX/XX/2021 my mortgage shouldnt be due until XX/XX/XXXX and the rep advised she was sorry that I was told that and that we are human and make mistakes but that isnt true. If I was told this and it is recorded, why is this not being honored. Now I am worried that my home is going to be foreclosed on and This is going to impact my credit file.

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 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I applied for a refinance mortgage loan with Amerisave. Loan officer name was XXXX XXXX XXXX. He was very responsive and appeared knowledgeable in the refinance process. I paid the application fee of {$500.00} and he stated I would get that back at closing. My loan was sent to underwriting and was put on hold due to fraudulent reporting from he goes by XXXX. He stated 2 of our existing loans were paid in full and the underwriter wanted proof. The 2 loans in reference were not paid in full and we never reported as such. XXXX reported that info Im guessing to get an underwriter to take our loan and collect the application fee. The underwriter has put our closing on hold due to this information. I have attempted to contact XXXX twice in email with no response and filed a complaint with customer service also with no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: SC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the XXXX  you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Applied for XXXX financing online. Recieved an inquiry. 

Then 3 days later recieved another two inquiries that were not authorized.

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 2021-07-09 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: FL

Complaint narrative:
In XX/XX/XXXX I opened a dispute Report # XXXX with Experian Dispute results reported on XXXX XXXX.The dispute was opened with Experian due to inaccurate reporting of a delinquecy by XXXX XXXX  XXXX XXXX on XXXX XXXXThis information is inaccurate due to the cards Inclusion in My Bankruptcy filed in XXXX XXXX was directed by My Lawyer to stop payment to all credit card lenders including XXXX XXXX  XXXX XXXX in the bankruptcy petition.As a result I was not permitted to make payments to any of the lenders named in the bankruptcy.The Experian Report # XXXX shows no record of the delinquent payment from XXXX XXXX  XXXX XXXX.However XXXX XXXX  XXXX shows Discharged By Bankruptcy with No History of Payment.The card account was issued XX/XX/XXXX and was in use until XX/XX/XXXX with zero incidents of delinquent payments or non-payment by me for a period of more than 9yrs.As a result this inaccurate delinquency reporting by the Bankruptcy Discharged XXXX XXXX Card is effecting my credit score when it should not be considered due to Bankruptcy Discharge.I want the error removed from my report.Thank You!

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 2021-07-09 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System is inaccurately reporting on my XXXX  Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has the wrong ssn XXXX attached to my profile. I dont know who's ssn that is but it isn't mine. I've asked them to update but haven't had any changes. 2 xhibits are attached : 1 ) is what they have on my profile and 2 ) my actual ssn card. Because they have the wrong ssn attached to my account no one is able to see my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: GA

Complaint narrative:
I recently purchased a bed on XXXX and was offered to break the total amount into 4 payments of {$180.00}. I was immediately billed the {$180.00} and then maybe 2 days later I cancelled the order due to the bed not being in stock and the delay of almost a month to have the bed delivered. I cancelled with XXXX and again with Quadpay. In fact I cancelled twice with Quadpay and they still bill my credit card another {$180.00}. They have ignored my request to cancel after being reassured it would get resolved and I would receive a full refund. Both XXXX and Quadpay are lacking adequate customer service and are being dishonest in their advertising and their communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I contacted Caine and Weiner to settled on a debt. In that recorded call I stated I was calling to settle and close on a debt. The representative pulled my information and told me the settlement amount and reiterated this would in fact close the debt and account out and a letter would be mailed to me. Upon making the payment the company reported I didnt not close the account I made a payment and this made my credit score drop 45 pts! I contacted the company back stating their wrong report and they tried to say I didnt say I was closing the account but I provided proof and I wasnt taken serious until I told them anytime you call a debt collector stating you want to settle and close a account that means the account is closed! It wasnt until I threatened to contact a lawyer that the company corrected that I in fact settled and closed the account. However the 45 pts dropped from my credit score I need back! This company purposely reported that incorrect information which effected my credit score! And they need to fix there mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: AL

Complaint narrative:
Please delete all inaccuracies and double accounts and send an updated report to my address

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 2021-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been getting calls from these people over a debt that they refuse to provide any documentation that I owe, over the last 2 weeks. They supposed that I took out a payday loan when I lived at an address that has not been my address in about 12 years. I asked for the name of the lender and was given a list of possibilities. Upon calling all of them they told me that was completely inaccurate and not to pay these people. 
I asked for them to go ahead and send their documents, I have no issues debating this in court as their practices were completely inappropriate. They told me I would be arrested today. This is unacceptable. I have no company name even. The phone numbers I have are ( XXXX  ) XXXX-XXXX  & ( XXXX  ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been repeatedly billed with auto debits for {$16.00} by Equifax to my checking account. Each time I call and provide all the answers to their questions I am put on a brief " Hold " for a minimum of 30 minutes, then transferred to a recorded survey asking me about my service without ever being connected to anyone to resolve the reason I called in the 1st place. This has haooened over a dozen timnes over the last 6 months. Today, XXXX I called in as I see that EQIFAX is now double billing my checking account for the {$16.00}! Called to their customer service line, spoke to " XXXX " no last name permitted with an employee ID # XXXX who put me on hold after I provided my personal information and she too put me on hold whereby after 30 minutes the line disconnects! To add insult to injury I was involved with their data breach and my EQUIFAX should have been free. i'd like my checking account to be credited the {$16.00} since the breach. Equifax has controlled the customer service numbers to the point the initial representatives have no authority to resolve any inquiry and put all calls on a " Brief Hold " that are never responded to,,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Allen Daniel Associates, Inc.
State: MA

Complaint narrative:
I received a notice from the Department of Revenue on Monday, XX/XX/2021 regarding an alleged debt I owe. 

On the Notice from the Department of Revenue it stated : theRequest for Hearing ( Letter ) needs to be postmarked by Friday, XX/XX/2021 and listed XXXX XXXX as the point of contact, should I want to Submit a Request for Hearing ( Letter ). 

I tired getting in contact with XXXX XXXX because I needed a mailing address for the Hearing ( Letter ), eventually hearing back from XXXX XXXX on either Wednesday, XX/XX/XXXX or Thursday, XX/XX/XXXX ; after contacting XXXX XXXX XXXX, College Bursar / Director of Student Payments ( got in contact with XXXX XXXX and elevated the urgency of the matter ). 

This experience was not pleasant and totally unprofessional. 

So, I sent a letter to XXXX XXXX XXXX XXXX on Thursday, XX/XX/2021 disputing an alleged debt under the Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX ( b ) : Validating Debts clause. 

And I sent a letter to The Allen Daniel Associates, Inc on Thursday, XX/XX/2021 disputing an alleged debt under the Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX ( b ) : Validating Debts clause. 

- After sending both letters, the original creditor of this alleged debt ( XXXX XXXX XXXX XXXX ) has not verified that I am responsible for the alleged debt, nor have they sent a copy of any judgment. 

- Because I have disputed this alleged debt in writing within 30 days of receipt of the initial notice, The Allen Daniel Associates , Inc. must obtain verification of the debt or a copy of the judgment against me and mail these items to me at their expense ; of which they have not. 

- Furthermore, under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, any attempt to collect this debt without validating it violates the FDCPA ; and I have received two phone calls from The Allen Daniel Associates, Inc on : + Monday, XX/XX/2021 at XXXX from XXXX ( XXXX ) XXXX. 

+ Friday, XX/XX/2021 at XXXX from 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 explanation
Consumer complaint received 2021-07-09 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Applied for XXXX  financing online. Recieved an inquiry.

Then 3 days later recieved another two inquiries that were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft EXETER FINANCE LLC Account Number : XXXX This is not mine. 

2. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

3. Identity Theft U S DEPT OF ED/XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
I opened an XXXX  account to double check my credit report. There was an acct for a Jefferson Capital. I disputed it. XXXX IMMEDIATELY said they validated the account.

I then launched a full on dispute with all 3 credit companies. I can not produce anything BECAUSE I DONT OWE THEM ANYTHING. I HAVE ZERO IDEA WHERE THIS ORIGINATES FROM OR WHAT. Apparently, XXXX sold an old XXXX acct ( which I did not do not owe ) to this company. 

I want copies of anything and everything that proves I owe this bill. I want this matter closed out from my credit report immediately and I want XXXX to produce whatever documents they used to verify this account. 

Otherwise, Im prepared to sue them both over this! I've been doing what I'm supposed to be doing to clean and clear and for them to immediately say " oh, yeah, you owe this ... '' is absolute XXXX  XXXX. 

Thank you. Again, please ask that I get copies of all of the information someone has at their disposal to resolve this matter. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
My payments were set up Bo-weekly I called and spoke to a representative that states because o was ahead in my mortgage I could stop them and start them back up in a month. I called and was told that wasnt possible and it was never offered. I stated look at my account and was told its nothing we can do. The customer representative should not lie to consumers., had I known I would not have stopped it. You cant slam people into Bimonthly or monthly! I have been lied to and dont appreciate the lack of knowledge. This does not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
NCAC contacted me for the first time on XX/XX/21 via email advising that they were attempting to create a debt. This letter did not disclose that I had the right to dispute this debt. Then I received a letter in the mail from NCAC dated XX/XX/21 that stated that I did not respond in a timely manner and that they assume the debt was valid. There was only a 5 day period between the initial correspondence and the 2nd letter stating that I didn't respond in time, but pursuant to 15 usc 1692g ( a ) ( 3 ) I have 30 days to respond.

NCAC also sent the physical letter with their logo on the envelope and the letterhead. Pursuant to 15 usc 1692f ( 8 ) this is a violation to my right to privacy. NCAC also threatened that if I do not pay this debt that it would affect my credit report, which violates 15 usc 1692d ( 1 ). 
I have sent an affidavit of truth with exhibits proving the violations, a cease and desist, debt validation letter and an invoice, certified mail with green return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Hi name name is XXXX XXXX and I have a Loan with Rushmore Loan Management this is my second complaint because it seems nothing was down My House loan was sold to Rushmore 10 Days after Closing, the original Loan was with XXXX XXXX On XX/XX/2021 I had XXXX disappear from escrow and no one can tell me where it went. I got set up last by the loan company to for a higher interest rate and more money down i was stuck because I had XXXX contingency that i would loose if I didn't, I really did get set up and taken advantage of I am willing to go as far as I need to see if everyone it getting set up like I am getting preapproved paying contingencies and right after paying XXXX more the the loan but they try to comfort you saying its okay well put it on the back end. I have Called Rushmore and sent there leter back with the responds that I do not accept them buying the loan because I need to take XXXX  to court and they are purposely making it more complicated. Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
MrCooper engages in misleading business processes in processing customer mortgage payments. When my mortgage was transferred to MrCooper I made my initial payment/interest payment on XX/XX/2021. MrCooper sent me a notice that I could initiate automatic loan payment procedures. I establish the automatic loan payment and MrCooper within days took another payment from my checking account. Thereby I had paid principal and interest through XX/XX/2021. On XX/XX/2021 MrCooper made another automatic payment from my checking account, effectively taking my principal and interest payment yet another month in advance through XX/XX/2021. 

On XX/XX/2021 I engage MrCooper support personal and asked for a resolution, stating I think it unfair that MrCooper take advance payments and hold my money for months in advance. MrCooper personal offered that they would within 24 hours apply the XXXX interest to principal, which I accepted. On XX/XX/XXXX, I used MrCooper on line chat feature and the MrCooper representative said the transaction would be applied with 24 to 48 hours of the date the request was made. On XX/XX/XXXX, I again engaged MrCooper and they said the transaction would be completed within 5 to 7 days of when I had made my initial request.

Company response to consumer: Closed with explanation