vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: F&B Acquisition Group LLC
State: MO

Complaint narrative:
I applied for a loan from F & B Financial Group, XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX, XXXX. This was for a Home Loan using my VA entitlement. 
I complied with all the necessary paperwork to XXXX XXXX, Senior Mortgage Advisor. 
I was approved for {$220000.00}. This approval letter was also e-mailed to a Real Estate Agent that I was NOT under contract with. I felt that that was very illegal to do without my permission. 
Between this Real Estate Agent & XXXX XXXX of F & B Financial there were deliberate actions to disqualify me from purchasing many homes.After contacting VA I found out that I can purchase an " as-is '', foreclosure or Auction home. During this time I lost 2 homes that I was interested in because of the actions of F & B. I believe there is an underlying reason for these roadblocks. It is either that my Wife is XXXX or of my age of XXXX. 
I have e-mailed XXXX XXXX firing him with " no response '' I have called F & B many times leaving voicemail messages with no response to my requests. 24 hours ago I left such a message to the President of F & B, XXXX XXXX, requesting an appointment to meet with him in person to discuss the above problems. NO RESPONSE as usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I submitted a due date change and spoke with several Reps to confirm this change was completed, but was still charged on the original due date. I requested a due date change online months ago. I called in XXXX when it hadn't been changed. They advised I didn't return the signed documentation. They advised they would resend the documentation and that I could upload it via the Support Center on their website. It was resent to me via email. We signed the paperwork and submitted as advised by an Agent. I received an email the next day stating the documentation was received and would be processed in 2-3 business days. I called on XX/XX/XXXX to make sure everything was good for XXXX 's upcoming payment. I was told they received everything and the change was approved. I asked why the website still showed the XXXX as the due date and was advised it just wasn't updated yet. On XX/XX/XXXX, I was still charged the payment amount. I called in today to inquire why and was advised that it had not been approved and no documentation was received. I was advised that submitting the documentation through the Support Center was incorrect even though this was advised by and Agent and confirmed by another. This agent refused to help or escalate the call after multiple requests. He stated I told you that wouldnt help and then routed me back to the main line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX got me approved for a car loan and I've made my payment already on the vehicle now the finance company is now for some reason denying my contract..this is something that went on behind my back out of my control, but I'm left dealing with the consequences..the dealership has gotten money from me as well as the finance company..now they want to take my car ... I believe the dealership has committed some type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CA

Complaint narrative:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

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 2020-03-10 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: CA

Complaint narrative:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

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 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Since XX/XX/2020 .I send money on western union but the reciever did not recieve the money and since then i want my refund .but until now just keep promisimg under process my compain at western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: SC

Complaint narrative:
I deposited two money order checks on XX/XX/2020. i was told the checks would only be held until XXXX. When XXXX came the checks were still not available for me to withdraw. I called and they said it would be available by XX/XX/2020. It is now XX/XX/2020 and the amount is still not available for withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CA

Complaint narrative:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CA

Complaint narrative:
EQUIFAX IS ABSOLUTELY THE WORSTTTTTTT CREDIT REPORTING AGENCY I HAVE EVERRRR DEALT WITH AND I HOPE THEY CLOSE DOWN!!!! NOT ONLY DID THEY END UP WITH A DATA BREACH WITH EVERYONES SOCIALS AND INFORMATION, LEAKED OUT THEY HAVE THE AUDACITY TO NOT HELP YOU WITH AN IDENTITY THEFT ISSUE!!! ABSOLUTELY RIDICULOUS!!! I DISPUTED FRAUDULENT INQUIRIES OVER 50 TIMES WITH MY EXTENDED FRAUD ALERT, THE CREDITORS HAVE SENT MULTIPLE REQUESTS FOR REMOVAL OF THESE FRAUDULENT INQUIRIES AND THEY REFUSE TO REMOVE THE INQUIRIES. IM SICK AND TIRED OF REACHING OUT TO THEIR DEPARTMENT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2020 there were 6 unauthorized transactions cash withdrawals from my bank account. Each one for XXXX totaling {$640.00}. I immediately called in the morning when I noticed and disputed the charges as fraud. I was told that Citibank would provide the provisional credit while I waited. There was no credit. A charge posted that caused an overdraft fee of {$34.00} on XX/XX/2020. I called and they told me there was nothing I could do at this time. 

This has made me write a complaint because as of today there is no credit back to my account for the unauthorized charges, and on top of that I was charged XXXX for a returned item fee.

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 2020-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Since I made the required payment to reinstate my loan with PNC Bank, I have contacted PNC Bank several times and requested a monthly statement in-order to make my monthly payments. Each time I was told the system is being updated and I should start receiving statements soon. I have never received any new statements since the reinstatement was completed and I was recently told thats because my loan was charged off. I have documentation dated XX/XX/XXXX from XXXX XXXX XXXX  ( PNC 's Law firm ) stating by paying {$14000.00} by XX/XX/XXXX my loan would be reinstated. I made the payment on XX/XX/XXXX. Now I'm receiving threatening letters which state since I didn't make a payment in the amount of {$280000.00} by XX/XX/XXXX that I must cure this default by paying the full amount by XX/XX/XXXX. This does not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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:
Identity theft victim

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 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX Dynamic recovery solution send me a letter saying that I'm in collection with them with a credit card that is not in my credit report anymore because it was payoff long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian investigation is wrong. XXXX  & XXXX  changed this information.I paid a loan off with XXXX XXXX in XX/XX/XXXX. They reported me as 30 days late in 2020. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.

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 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Before the news came out about a decade ago, that Wells Fargo was criminally opening fake accounts, I submitted a complaint to CFPB about 5 accounts, in my name and SSN, that we opened up fraudulently. These accounts had a New York address. Later, the world found out that it was not just me, but that Wells Fargo was committing this crime on a regular basis. 

Yesterday, I receive a mailing from Wells Fargo, about opening up new accounts. It was addressed to my current address in Georgia, but IT WAS ADDRESSED TO XXXX XXXX XXXX. I am NOT Mr. 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 2020-03-10 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:
Identity theft victim

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 2020-03-10 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:
Identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Last Year, XX/XX/XXXX, I was excited that I was Pre-Approved for My Companys VIP Program through Quicken Loans. 

I received a VERIFIED Pre-Approval on XX/XX/XXXX from Quicken Loan Originator XXXX XXXX ; on a 3 % Down Conventional Loan. 
I was also given verbal and email pre-approval on both FHA and USDA Loans. 

I specifically asked XXXX about the USDA Loan requirements. XXXX assured me that my DTI was within the limits for the USDA Loan. 
Specifically on a property at $ XXXX, XXXX informed me that my DTI  was at XXXX XXXX and still within the limits for all loan types ( FHA, USDA and Conventional ) After months of searching for the right property for my family and I ; on Wednesday, XX/XX/XXXX, I submitted my Purchase Agreement on New Construction in a Verified USDA Eligible Property. 
The weekend passed and I had not heard from XXXX on my Loan Status. 
Early Monday Morning XX/XX/XXXX ; I went to my Rocket Mortgage Dashboard and was excited to see my USDA Loan Estimate and The Intent to Proceed Docs uploaded to my file. 
I reviewed the loan estimate and signed/dated and submitted the XXXX to XXXX XXXX. 

Later, yesterday morning ; I received an email from XXXX, basically stating that my USDA Loan was not approved due to my DTI being too high. I was extremely disappointed with this news! I was relying on the zero down to reduce my out of pocket expense at closing. 
XXXX, then emailed me and stated I would have to go with FHA. I replied and asked what happened to the Conventional Pre-Approval @ 3 %?!?! 
After hours of waiting for a response from XXXX, she emailed and stated that she was working with her Director to get the Loan approved. XXXX stated, the loan currently is not going approved with XXXX or XXXX though everything about the loan qualifies.. 

Again, I was very disappointed with this process. In addition to my credit being pulled again by XXXX, after she informed me in XXXX that my credit would not be pulled again, even if my Offer Expired on XX/XX/XXXX. 
I was again disappointed to receive notification that they ( XXXXQuicken Loans ) had pulled my credit again!! 

All these months I have been working with my realtor, under the Actual printed copy of a Verified Pre-Approval of $ XXXX ; only to be given a USDA/FHA denial and run-around and inflated Conventional Closing Costs on a Conventional Loan. 

These Acts are VERY DECEPTIVE on Quicken Loans/Rocket Mortgage behalf! 
I have lost 4 Months in working with them. Time is of the essence for me that I can not get back. 

As a part of the VIP PROGRAM ; I was in no way treated in a VIP Manner in the end. 
XXXX even emailed me and stated, ... I do not make the rules, I just follow them.. 

I sent XXXX an email and also sent a message through my dashboard that I will not be proceeding with Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
I received a debt collection notice for {$200.00} from a company called Online Collections. Website is payments.onlinecollections.com and phone XXXX, address XXXX NC XXXX. XXXX XXXX, zip XXXX. Originating debt supposedly from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, phone XXXX. Address XXXX. XXXX XXXX XXXX XXXX CA XXXX. 

I called XXXX  XXXX  phone line and they say I owe XXXX  dollars. I never received any other bills than the one I paid for {$1800.00}. In fact, I overpaid and I am due funds. 

I believe this debt is fraudulent. They are also trying to collect info they dont have ( phone number ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  XXXX  send me a letter saying that I'm in collection with them with a credit card that is not in my credit report anymore because it was payoff long time ago.

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 2020-03-10 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I would like to have the paid charge offs removed from my report, the companies said they can not do that.

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 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: DC

Complaint narrative:
I went to see my doctor on XX/XX/2018 before moving overseas for 3 months for a summer XXXX XXXX. When I came back I had a letter from collection agency Receivable Management Partners LLC ( rmp ) telling me I owe my medical provider. I called my medical provider XXXX XXXX XXXX in Washington DC and they said my account is closed with them. I asked for a bill and I was not able to get one. After many attempts to my medical provider directly, I finally paid the collection agency. 

This now shows on my credit report on XXXX  and XXXX  and has dropped my credit score around 100 points. My attempts to remove it from my credit report as an error from my medical provider and non-receipt of the original bill has been frustrating and unsuccessful. I was able to successfully remove it from XXXX  report but the customer service in rmp, XXXX  and XXXX   have not been helpful at all. 

I really appreciate your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pittenger Law Group, LLC.
State: MO

Complaint narrative:
I received a letter from multiple collection agencies for the same debt. I have explained that I was laid off of my job of 16 years and fell behind in my payments. I established a payment arrangement with one collection agency then I started getting demands and letters from another collection agency ( Pittenger Law ). I advised that I would like to validate that there is not dual collections happening they were nice and said they would check with the original creditor XXXX. I called XXXX and they advised the correct collection agency was XXXX XXXX. I now don't know who to trust or who to pay I really would like to just pay XXXX XXXX back directly but everytime I call they say they no longer have access to my account. How is that possible that the owner of the debt no longer has access to the account I was never advised that my accounts have been sold. I'm just looking for help to resolve this nightmare now I am afraid the payments made have been lost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: OR

Complaint narrative:
I requested a payoff amount by email and gave them my new address to send information in XX/XX/XXXX. I advised them I will pay {$5000.00} toward the balance if they did not advise me of another payoff amount in writing. I advised them and sent a copy of a letter from XXXX XXXX XXXX telling me to make payment to XXXX. I told them I needed a payoff amount from them as we were told by XXXX, when trying to pay to XXXX, that we should make payment to XXXX XXXX  XXXX. They were advised I would not pay anyone but XXXX. 
I waited for several months and on XX/XX/XXXX I made a payment of {$5000.00} by mail to bring my account up to date. I wrote to XXXX  back with a copy of the check, the prior letters and advised them I would resume regular payments and, again, gave them my correct address. 
My credit rating went below 600 due to this problem that was unresolved with them. I was unable to refinance a loan during this period due to ONE low credit score. I was told again to make payments to an unknown ( otherwise ) lawyer firm but never got anything in writing about how to do this. I continue to make my payments to XXXX  by mail.

Company response to consumer: Closed with explanation