vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I noticed a transfer for XXXX to a simple non migrated account. 
We called on XX/XX/XXXX and have called multiple times since. 
We have yet to receive answers as to where our money went. 
SIMPLE bank customer representatives keep saying it's under investigation and they don't have any details This transaction says " SIMPLE non migrated account EFM '' On Tuesday XX/XX/XXXX we received an email saying that our account was pending closure and the reasons are confidential. 
We are requesting that this transaction is reversed and our money is returned before the account closes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
We had our mortgage automatically payment withdrawal through XXXX  XXXX for over three years, XXXX XXXX  had our email, phone number and property address. We received a letter from another bank in XX/XX/2020 that our mortgage hasnt been paid for 4 months, we called immediately and paid all the missed payments and late fees even though we never received a single email nor a phone call nor a letter till the account was passed due for four months and we had no idea that XXXX  XXXX  sold our account to Arvest central mortgage company. Now Arvest central mortgage company investigated the issue and sent us a letter saying that they will repair all the negative credit reporting they caused, however, they added more fees to the account related to the missed four payments that they never sent us a bill for. We asked over and over to have the fees removed and the declined to remove them, we would like to get a refund of all the late fees paid and we hope to have the account transfer to another bank in the near future. Thank you

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO

Complaint narrative:
Today XX/XX/2021, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that " within the last 12 months we have at least one report that added negative information to your NCTUE file '' and that I have the right to obtain a free copy of my file from them. I contacted the phone number they listed on the card and was answered by an automated system. I followed the prompts, and the system said my request could not be completed. I tried again and got the same result. I tried again and clicked 0 in the hopes I would get a representative, but that line seems to only be automated. 

It gave me instructions to mail a request to the company to receive my free copy. Those instructions were to send a copy of my social security card, a copy of my drivers license, a copy of my utility bill, my DOB, and a list of the addresses I lived at in the last 5 years. To be frank, because their system could not complete my request over the phone, I am already worried that the NCTUE has collected fraudulent information on me, and I will not open myself up to more fraud by sending sensitive documentation to them through the mail. 

Because of this, I really need to get in contact with a real person at the company, not just their limited automated system. I did try to reach them in other ways. Their letter stated they are managed by XXXX but are not owned by XXXX, so I called XXXX  to see if they could direct me to a NCTUE representative, but they only gave me a phone number that went to XXXX  XXXX XXXX, who did not pick up the phone. 

I would like to receive my free report ASAP in order to counteract any fraud being committed against me, and I would like to do so without sending them a copy of my Social Security card. I have never heard of this company before and don't trust them to dispose of it properly, especially given their poor service so far. I also think this could have been easily resolved if they had made a representative available.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Not only have I never heard of this agency/service, but I NEVER consented in any way shape or form for my information to be shared/used by or to this agency/service. Since when do any bankruptcy courts report to credit agencies/services? Last time I checked they DONT. I DEMAND this service & ANY other service that shares my information without MY CONSENT be completely removed or cleared from ALL credit report ( s ) IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical 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: Millco Management
State: IN

Complaint narrative:
What AmeriFinancial/24 On Physicians is doing is, taking a legitimate bill and are changing the account numbers by one digit or the dollar amount by a dollar or so and resubmitting them to the credit bureaus. They will keep getting around it by changing the amounts or account numbers. 

I wake up every day and see that my disputes are successful but they turn around and change the numbers and/or amount and they pop back up again. 

The last number on the account number is an X so I dont think theyre accurate since both collection agencies are doing this. 
As you can see on the screenshots, they have a {$150.00} account and a {$55.00} account. BOTH OF THESE ARE THE SAME BUT DIFFERENT AMOUNTS. Its made to look like I have 2 accounts in collections with them when I dont. 

MY ATTORNEY HAS CONTACTED THEM AS WELL AS THE ORIGINAL CREDITOR BUT THEY CONTINUE TO HARASS ME AND DAMAGE MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to all three bureaus basically saying my new information is on this letter anything else on my report besides whats on the letter is incorrect. With that being said they reported back with the same information that I wanted deleted. Letters was sent out XX/XX/2021 which its late and no response from them. Got a letter from transunion XX/XX/2021 which is still inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a CD with BMO Harris Bank. They sent me a disclosoure notice stating the date it matures, the term, account number, current balance and phone numbe to call to close it. When I called the number, first I had to go through the most ridiculous phone tree I have ever experienced to get to a live person. None of the option, in any of the branches of the phone tree, had anything to do with CDs. When I finally got to a live person ( obviously offshore ), she kept asking me to answer questions that were not on the notice of account disclosure, such as the original amount invested and the interest rate. Neither of these items were on the " notice of account disclosure. '' I gave her all other information about my self, name, address, account number, Social Security number, current balance, etc. 
She kept putting me on hold and I asked her to call me back if I got disconnected. She did not want to take my phone number but I insisted on giving it to her. Naturally, I did get disconnected and she never called me back. A customer should not have to go through this rigamarole to get their money back. Now I will start all over but I don't know if I ever will get my money back. This customer " service '' is unacceptable.

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp
State: MI

Complaint narrative:
Union Home Mortgage provided me a mortgage on a new construction home from XXXX XXXX, which closed on XX/XX/XXXX. In XXXX of XXXX I discussed paying off this loan in full but was notified there was a backdoor deal between Union Home Mortgage and XXXX communities where and escrow hold document ( included ) was created for incomplete work on the home. This escrow document was not shared with me at closing nor were any funds held by the title company as noted on the document. 
I believe it is required that they disclose all documents related to my mortgage and home purchase prior to closing. 
On XX/XX/XXXX I began communicating with Union Home Mortgage to get more details about this non-disclosed escrow document and funds which should have been retained for work not completed per my purchase contract. 
I contacted XXXX XXXX XXXX who stated they were not holding any funds as were referenced on this document. 
Union Home Mortgage said that no funds were held and if I pay off the mortgage I have no recourse on recovering the funds due or work being completed. 
I think the Truth In Lending Laws and I have been violated and now that this mortgage has been sold to XXXX XXXX, by not disclosing and recording this appropriately so have they. 
Having the mortgage company who is associated with the builder hide and not collect funds at closing for incomplete work does not seem legal or ethical. 
I am now prevented from paying off the mortgage or I would have this liability. 
Email communications are attached and identify several steps where incorrect information was provided and through my contacting the various parties I have discovered the issue at hand. 
I think Union Mortgage should be required to obtain the escrow funds back from XXXX communities and held at the title company as designated on the doucment they agreed to without my knowledge.

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 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ive communicated with 3 individuals both in person and online. I have been charged three overdraft fees without them being able to say why. 
They claim its for a XXXX  transaction but XXXX does not allow any transactions to be made without a positive account. 

The {$79.00} withheld is a weeks worth of groceries XXXX third is consistently charging fees the hours prior direct deposits being made, making it seem as if they are right in taking these charges when in fact it is theft of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I had a title 1 loan with XXXX  XXXX  XXXX  th.at was sold to BSI financial XX/XX/XXXX. My loan was due every 5th  of the month so XXXX payment was made to XXXX  since I did not get notification that the loan had been sold to BSI. XX/XX/XXXX BSI called about the payment this was the first I had heard that they were the new servicer. After verifying with XXXX and being told XXXX payment would be transferred at the end of XXXX. I continued to get calls from BSI so I made a {$100.00} payment on XX/XX/XXXX so the calls would stop. Then I received an email from XXXX that the XXXX payment was transferred XX/XX/XXXX. XXXX came around and after the 5th I started receiving more collection calls from BSI about the XXXX payment. I explained and sent XXXX  email that XXXX payment had been transferred XX/XX/XXXX and that on the XXXX I made a payment which should be considered as my XXXX payment. As of today and many calls to and from BSI the account is showing past due for XXXX. transferred payment has not been applied to bring me current. I have sent proof of payment to BSI from my bank statement also forwarded the email from XXXX about the payment transfer. Every time I call BSI I am told they are looking into it. This has been since they became owner of account. I have also today sent a payment ledger XXXX sent to show the XXXX and all other payments. The problem is not with me it is between BSI and XXXX but BSI has been showing late for XXXX. I have sent them proof with bank statements and with payment ledger but no one will get it fixed,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My XXXX mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XXXX of XXXX. That account was taken out in XXXX of XXXX. Starting in XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with LVNV Funding and Resurgent where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. This is putting my livelihood at jeopardy because I'm not able to do things that a credit check is needed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I have been trying to get another loan modification since XXXX, 2020 with Loancare/XXXX XXXX. I am retired on a fixed income and can't refinance! I also don't have enough equity for a reverse mortgage! I know the process because I was one of the first customers to try to get a loan modification under President Obamas Making homes affordable program! It took two years and a bout of XXXX to secure the initial loan modification. I don't want to go th that again! It seems very obvious to me that Loan care is trying to discourage me! That won t happen! They keep asking me for more documents I've already sent several times! I've had to restart the process about four or five times now! Loan care makes it near impossible to actually conduct business with! I even contacted their Corp HQ! My loan is a XXXX XXXX, so I will contact them too! I requested a single point of contact several times! They've given me two! I'm never actually able to speak to them! Its very frustrating and I can't afford an attorney, but if CFPB or XXXX XXXX can't help, I might need an attorney! Please advise me, if possible! Loan care, LLC Loss Mitigation dept and Corp hq is XXXX XXXX XXXX, XXXX XXXX, VA XXXX! Loss mitigation dept is XXXX XXXX! Thanks!!

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo closed my checking account due to XXXX XXXX falsely accusing me of harassing her. Wells fargo keeps saying that they have the right to close my account. I really don't care. They are missing my point altogether. They weren't exercising their right to close my account until XXXX XXXX falsely accused me after I got my new checking account open on XX/XX/2015, it was all set up by XXXX XXXX and the employees located at the XXXX XXXX location in XXXX XXXX. It started when I couldn't log into my account on XX/XX/2015. I called wells fargo and they told me my account had been compromised. It was compromised by XXXX XXXX and who else was tempering with my checking account & snooping in it. It took me a week to open my new checking account. It was all a setup because I never saw XXXX XXXX in the bank during that 1st week until the very last day I had it open. She purposely put her self at the bank that day to falsely accuse me she had those employees tell her my wear about so she could be at the bank. She was doing everything she can to ruin my life. She tried to have me arrested but the police didn't do anything but looked confused, about there is nothing going on here. But XXXX XXXX then complained to dane chambers about falsely accusing me of harassing her. He send me a very hostile and threatening letter telling me, that wells fargo was exercising their rights to close my accounts & he told me I better not go into the wells fargo that XXXX XXXX was at & for me not to enter any wells fargo. XXXX XXXX got her way about getting rid of me so did the employees at that branch. But XXXX was getting them involved they were the ones committing crimes against me

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion in regards to dispute letter submitted XX/XX/XXXX and they have failed to respond within the 30days. I have called them and I was informed it wouldnt be until XXXX ,2021.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX, we were first notified in writing of a debt collection agency was pursuing a debt owed on a credit card account of {$1700.00}. The notification from the debt collector, XXXX XXXX XXXX ) was the first instance of ever being notified that an account existed and that there was money owed on the account. Based on the info I received in this notification, I contacted Citibank/BestBuy who line of credit was opened through and was hung up upon. I then checked the three credit reporting agencies and confirmed that no line of credit was ever open with Citibank/BestBuy. The only record of this line of credit is when XXXX XXXX XXXX, began to work in pursuit of collecting the debt and reported the collection to the various bureaus on XX/XX/XXXX. There is no record of ever opening this line of credit with Citibank/Best Buy, incurring the debt from Citibank/Best Buy, or being notified of the debt from Citibank/Best Buy before the account being sent to XXXX. I have continued to respond in writing to XXXX and their legal team ( XXXX and XXXX, P.C ) and repeatedly have asked them for the signed authorization when the line of credit was opened and the purchase that created this debt. I have only received an Account Statement from Best Buy from XX/XX/XXXX that shows the amount owed {$1700.00} it is not the statement showing the original purchase, and nothing has ever been provided showing the line of credit authorized to be open. I will add that the address on this statement is a home address that I have not lived in for over 10 years which is very alarming and concerns me that this could be fraudulent as well. There is potential that this line of credit was opened fraudulently, but I'm unable to file a police report as I have nothing to show that this line of credit even exists. The last written correspondence from XXXX ( XX/XX/XXXX ) states that they have received and reviewed the dispute but they still feel the debt is owed. I do not owe this debt. My credit report can serve as evidence that the account was never opened, and Citibank/Best Buy/Cavalry have yet to provide any of the requested documentation.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
This debt was paid in full directly to XXXX XXXX, they sold this account to perfection Collection, I was able to provide all paid receipts to Perfection in which they ignored all my results, and which they were unable to verify the debt. they then sold the debt to mountain run solutions, I have sent several letters to validate the debt and also provided the paid receipts to this company, they are trying to collect on a debt that is not valid. i have the original contract which the balance stated clearly states {$530.00}. Mountain Run Solutions is requesting that I pay {$1100.00}. 
I am exercising rights to have this information removed and this company be reported as reporting fraudulent accounts on my credit report.

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 2021-04-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via Experian, XXXX, & XXXX  and each one is " unable to complete my request '' online

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