vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
On XX/XX/2021, I received a final notice from loan depot regarding my proof of insurance. Loan depot kept asking me for proof of insurance for my townhouse for the duration from XX/XX/2021 to XX/XX/2021. Otherwise they will purchase insurance for me for {$230.00}. 

However, I and my insurance company, already provided my proof of insurance multiple times. I am with the same company for 4 years, and I have continues insurance with the same insurance company. I provided the proof of the insurance at the beginning of the year when I refinanced with loan depot, and subsequently provided proof of insurance multiple times, and spoke with their customer service people multiple times to point of their errors. They still failed to correct it. 

Also, how do they purchase insurance for a time period in the past?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion keeps reporting derogatory information on my credit report that has caused great duress to family. My husband and I have spent several hours dealing with situation. In XXXX, credit report was corrected but after viewing report for XX/XX/XXXX, report is showing same libelous information that was reported back in XXXX. They have been shown proof that account was closed in XX/XX/XXXX. The account is a joint account prepaid lease that was paid up front and turned in with a release from obligation. My husband 's report shows this account as satisfactory but my report indicates several libelous notations. TransUnion telephone reps are very unhelpful and it seems like most are employed overseas. Enclosed is a letter from Ally releasing all obligations for account.

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
For the past year, I've been paying off on time the full balance on my PayPal Mastercard by Synchrony Bank. As usual, the last payment of {$920.00} posted on XX/XX/21 was an online banking electronic transfer ( not a check ) and they had my money in their pocket the next day. Yet, so far to date, they have put a " hold '' on my payment for no good reason and did not update my credit card balance for half the next billing cycle in effect rendering my PayPal Mastercard useless. They did not even notify me of their action and I had to find out on my own by keep checking my summary online and finally calling them. The girl on the phone had no explanation, kept just apologizing for the decision, and basically was telling me it is what it is until they decide when to reflect my payment. Apparently, they can sit on $ XXXX of your money for as long as they want and answer to no government agency. The online consumer reviews of this bank can't be any lower : XXXX XXXX XXXX XXXX XXXX XXXX https : 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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WI

Complaint narrative:
My account has been disabled on binance.us with zero messages for why this happened. I realized there may have been a chargeback issue with a bank deposit, but since then I have resolved the chargeback and have a positive balance of us dollars in my account. I have opened up a few tickets with the customer service and no response or my cases were closed without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Checks were ordered in my name using my Social Security, Birth Date, and all other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I have been trying to find out why my mortage company won't apply my monthly payment to the month I call in, I have asked them every month I make a payment why is there a overdue amount that is not the amount of my monthly payment, they say they record every conversation, I tell them every month to have somebody find out how they come up with this overdue amount, their paper says late fees will be applied after tge XXXX of every month, they hit me with late fees, because they won't figure out where the problem started, or have a supervisor in finance department call me, they have given me 8 back to back delinquent payments, they gave me a confirmation for a payment in XXXX, but they never applied the payment, then they hit me with a delinquent mark and a late fee, and say they don't know why it has happened, but it is my fault to straighten it out, I have 2 other mortages and no problems, I have been with this company for 3 plus years and have had nothing but problems, when I ask for a supervisor, someone gets on the phone, and says they will investigate, and call me back, but nobody ever does, if anybody listened to the socalled recordings, you would hear me ask over and over, why can't somebody get off their lazy XXXX and find out whats going on and when did things get screwed up, amd I will admit, I have lost with them more than once, but I start out civil, but the company is so fly by night, and they don't do anything to help rectify the situation, this is my third problem with them, both other times it was their fault, but this one and the one in XXXX have ruined my credit score, I sent copies of bills and late letters to you all from them in XXXX, but never heard back from you all, so I just said oh well, but when I went to refinance, the guy at XXXX said my credit score needed to be at least XXXX, and said because of Loancare Co., my credit score is XXXX, another person said, because your loan pays them so much, and not much towards principal, they might be doing this to keep you stuck so you can't refinance, please help me, can someone please email me back to let me know you got this, thank you, and have a blessed day

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 2021-04-19 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 have monitoring my credit files and notice that Equifax credit bureau have a problem with my consumer files, when i request information or summit disputes on my Equifax i notice that there is a problem and makes me call equifax that has a error code NH and when i log in in my Equifax does not show any information, no credit cards no credit history, no collections, no payment history also notice that my credit score last update was on XX/XX/XXXX i had few items deleted but not posted on my records also investigating this information found the credit karma is not receiving updates from Equifax XXXX XXXX last update was summit XX/XX/XXXX and there is no accurate information since this items were deleted from all 3 credit bureaus, i notice that credit karma have not removed this information, i have called Equifax on dates XXXX XX/XX/XXXX with case numbers # XXXX -case number XXXX problems with internal server and also i have requested Equifax to provided with a full report to identify changes on my credit, i have apply for 2 credit lines one of them was home depot and they were not able to look my Equifax credit score and report i was decline for credit and since creditors are not able to look my full complete files but there were able to look all the informations before XX/XX/XXXX ( LAST UPDATE FROM EQUIFAX ) this problem have cost me the ability to obtain credit, if this problem does not get resolve I'm force to take any legal action obtain monetary relief, the Fair Credit Reporting Act ( FCRA ) and FEDERAL TRADE COMISSION ( FTC ) does not allow the inaccurate reporting of information on my credit report, i will summit documentation to show the errors and missing information on my credit file as a consumer, i can't get no credit lines for this problem and is very frustrating that equifax does not know correct this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Our mortgage payment is going from {$1700.00} to {$2400.00} in a month. The day its because of a escrow shortage, but its an extreme amount.

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 2021-04-19 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I'm absolutely LIVID!!!!!! I have contacted ALLY several times in regards to this situation where they're reporting a prepaid lease that closed in 2015 as delinquent and open. I have spent literally hours on the phone to rectify situation. ALLY needs to be held accountable for this duress placed on my family. The prepaid lease was paid in full and turned in and enclosed is letter from ALLY releasing me from all obligations. What they're doing is willful and reckless. I have consulted an attorney about litigation. Enclosed is snapshot of libelous information and letter received from ALLY indicating released from all obligations.

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 2021-04-19 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
I have tried to reach Simons agency to have them tell me what this could be for. I didn't get any communication before it showed on my credit report and I haven't received and after my attempts. I have no knowledge of this and do not accept this as my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TN

Complaint narrative:
Applied for a secured Discover card XX/XX/2021. Card approved with a security deposit of {$400.00} to rebuild credit. However after and I do mean after the card was approved and funded the business wanted a signed IRS document to pull my tax returns. They then declined the account and are keeping my money as theft for over 30 days until refunded. I requested an expedite on the funds. I also requested an interest for holding funds after the approval of an APR similar to a payday loan as they are holding my money for misuse of my funds after approval. Any legitimate business would know that at approval you pull tax returns not after and then hold funds as if borrowing the money. I had received the card in the mail funded with my money and then blocked from using it so I want compensated for them borrowing from me. In the chat the supervisor sounded like a groupie as I hear you and feel for you. We strive here to improve and definitely will document this as part of the process which is not professional nor ethical. I think too many of these employees are doing drugs and are misusing the business and allowed to demeaning this country and ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc
State: CO

Complaint narrative:
I received a letter that appears to come from XXXX XXXX XXXX. However, it is actually a deceptive solicitation from Millennial Home Lending, with an offer to refi and cash out. 

In addition to being deceptive that this appears to be connected to XXXX XXXX XXXX, the terms provided on the front page of the letter do not list term, fees, etc. It attempts to show " now mortgage payments for 2 months '' and get $ XXXX out cash free. The disclaimers are listed on the back of the sheet. 

At the bottom of the sheet there is a disclaimer that Millennial Home Lending , Inc is not associated with or acting on behalf of XXXX XXXX XXXX. 

Additionally, the envelope it was mailed in appears to have " time sensitive information '' to cause fear or confusion. 

There is no way this can be legal, the entire letter feels deceptive and misleading. A confused old person could see this and totally disrupt their financial situation. 

It provides a number XXXX. Please make them stop.

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 2021-04-20 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: IL

Complaint narrative:
TRANSUNION IS HAS VIOLATED MY RIGHTS AS A CONSUMER AND HAVE NOT REMOVED AN ACCOUNT THAT CAN NOT BE VERIFIED. I CAN ONLY VERIFY DEBT. AND I DO NOT VERIFY THIS DEBT.

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 2021-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I fell behind about maybe 3 months in my Mortgage payments due to a National Disaster ( a major Fire destroying our tourism here ) I work for a XXXX company and I am on a commission base. My husband at the time worked with me as well. My business gets sold and my husband gets let go. So my income falls very short at the time ( fell from XXXX to XXXX. I received this flyer in the mail to modify my Mortgage ( from XXXX XXXX XXXX ). We call them and we go through these emails/ Phone calls, Approval recordings, etc. We start making money order payments to XXXX XXXX XXXX and just because I asked if we could start making our payments using our bank account a week later they told us we no longer qualified for their program. By this time my Mortgage Company ( Freedom Mortgage ) sells my home back to themselves and proceeds to Auction our home. I try in XXXX of 2021 when my house sold back to them to modify and let them know about what had happened. They told me they would get back with me with a decision and they never did nor did they even try to work anything out with us. I even had HUD /FHA willing to make all payments back to them so we could get back even with our loan and they wouldn't even speak with them after leaving us an hour hold and never coming to the line. During the XXXX you would think they would have taken the back payments and just reinstated our loan knowing what happened but instead proceeded to Auction our house until LAST week they actually sold our home to someone from CO and he has written us a letter to pay excessive amounts of money or leave the property! I have a 90 % handicapped husband, A Mother I'm trying to care for with XXXX, XXXX teens! I am the sole provider here! Please is there any justice in this matter? Is there anyone that can help me? I am in desperate need!!!! Please Help me! I have no where to go Q They have ruined my credit!

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 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I reported to the police department in XXXX Washington that I had unauthorized withdrawals on my account that amounted to as much as {$30000.00}. There are many untrue statements that the XXXX officer made during the police report. Anything they state will need to be evaluated. The withdrawals were taken by using my debit card number and purchasing online, and also making direct deposits From my account into XXXX XXXX XXXX account. 
When I had open this account On XX/XX/XXXX I deposited {$55000.00}, I also let the manager know that I had reservations about putting my money in a bank because Of on line banking I felt there was a risk. The branch manager was XXXX XXXX, I was not able to use a safety deposit box for cash, also the branch manager gave me an assurance that my money was safe there. The bank manager and myself walked over to a counter where the account was opened and the bank manager and I requested that there be a {$200.00} limit withdrawal In a day. There are also other alerts that KeyBank offers, like a text message to your phone every time there's a purchase. I drew out {$200.00} one day and I tried to draw out more and I was unable to. At that time I knew that if I was going to lose any cash it would only amount to {$200.00} at the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2021-04-20 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:
The account listed below is reporting inaccurately on my credit report and it is in violation of XXXX  Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the XXXX  liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
When activating a new Apple Credit card you bring your XXXX near a spot on the mailer and it automatically activates the card. Apparently this also ( without asking ) adds your account information to allow Apple to charge this new credit card during any Apple purchases. In my example the card information was added automatically and was then charged for the monthly cost of additional Apple cloud storage space even though I had previously only authorized a different card to be charged.

Company response to consumer: Closed with explanation