vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
I sold my home last XXXX and sold at a profit. XXXX XXXX transferred this loan to Specialized Loan Servicing. When I sold my home XXXX XXXX reported as Paid XXXX Balance. Specialized Loan Servicing reported as a Paid Foreclosure. I am trying to purchase a new home and my lender can not get a DU approval due to the way they reported. XXXX XXXX has done a conference call with me and Specialized Loan Care and they changed the reporting on a Credit Supplement as Paid Loan. I let them know that needed a letter on their letterhead to be sent to me so that I could get this change made by the Bureau 's. They refused to send me a letter. They have told me that they will make this change but as of today I have not been able to obtain evidence of this. I have been working on this for over a month and have not really received much help. I feel as though they are stringing me along. I have the credit supplement that shows they agreed to the change but still have no guarantee that they will follow through to the Bureaus. 
I called XX/XX/XXXX, XXXX again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX 2 x and Spoke with XXXX XXXX  and SLS together XX/XX/XXXX, XXXX & XX/XX/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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
So I working at a XXXX XXXX in XXXX and I had two gentleman come in and were talking about a promotion that XXXX XXXX was having. This Was about two years ago back in ( 2018 ) .So I was unsure about the promotion and the gentleman reassured me that for any reasons that I could sent the phones back with no charge. They also told me that they would not charge me if I turned my phone on and used it .Just to see what we thought.So we final got the phone 's in after being delivered to the wrong place and we turned them on and use very little data. So I decided to just send back the phones and I called XXXX  and they were ok with that. Then shortly after that I received a bill and I called them and they told me a different story. I was upset that they lied and did not disclose this information to me. So this bill went into collections and I did just pay it but I asked the collections agency if they could please delete this from my credit because this was hurting my credit and the opportunity to buy a home. can you please help me with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not link my PNC bank account to XXXX  or any cryptocurrency exchanges. I am being blocked by PNC for trying to use my own money which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
In XX/XX/XXXX, I opened a Citi Gold checking account and a savings account. Citi had a promotion, promising to pay {$600.00}, if I deposited {$15000.00}, and keep it there for 3 months. 

On XX/XX/XXXX, I made such a deposit of {$15000.00}. 

After 3 months, Citi still had not paid. So I got in touch with them. Citi informed me that when I moved money between the checking and the savings account, it disrupted the continuous clock of 3 months, thus making me ineligible. 

I am writing this complaint because Citi clearly failed to keep its promise, and constituted dishonest marketing. I also demand Citi pay {$600.00}, as they promised when I opened the 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 monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MI

Complaint narrative:
My refinance loan was closed in XX/XX/2020 and I signed paperwork that the lender did not require an escrow account ; however, the borrower elected taxes be placed in escrow. I did not sign any other paperwork regarding requirements around an escrow account or its removal. I contacted The Money Source in XX/XX/2020 regarding this and was told they saw no reason this could not be removed and they would work with the escrow team on this. On XX/XX/2020 I received a letter from The Money Source indicating removal was approved and all requirements were met that I must return the letter signed to complete removal. On XX/XX/2020, I contacted The Money Source and they now tell me the letter was sent to me in error and I must have 12 months payment history, 80 % or less LTV for escrow removal falling back on the previous letter. I spoke with a supervisor who just kept repeating I agreed to this requirements by signing for an escrow account ; however, these requirements were not displayed anywhere in my closing paperwork. If these requirements were in the closing paperwork I would have not signed them and asked for the loan to be re-done. So to summarize I am being held to requirements that were not presented to me at closing or in signed paperwork. Beyond I do have an approval letter for escrow removal from The Money Source.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXX and 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 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
For over 3 years, I have try to work with USAA to get my money back with little or nothing done on their part to return the money. I was stationed overseas and I have set up an allotment to go to what I thought at the time was my checking account ( find out later I was my member number- which happened to be exactly someone else account number ). After becoming aware of my mistakes I took steps to rectify it and asked about how to get the money ( allotment I have transfer so far ) back. I was told to submit a letter of indemnification which I did religiously every other week for the past 3 years with no results. I was told unconcernedly- well there is no money in the account of that person, sorry nothing else we can do .... no feedback when I submit the letter that an attempt to collect my money was even done ... I had periodically called but was meet with the emotionless, unconcerned response- nothing we can do, there is no money ... keep submitting the letter ( and i was told unless I submit a letter, they don't attempt to collect the money ). This is unacceptable for a financial institution .... " if the roles were reverse and I owe USAA any kind of money, they would ve find a way to pull that money from my account at any point - even if it means making my account overdrawn- '' so why I am being toy around and given excuses as if they can't do anything to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: FL

Complaint narrative:
There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXXXXXX  and 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 2020-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
We had a 6 year car loan with Capital One auto finance. Near the end of our loan, my wife got the payments deferred for two months at the start of COVID-19. 

On XX/XX/2020, my wife made a payment online for the car, but if did not process for some reason. We didn't know there was a problem until someone came to repo the car. 

I asked the man to wait while we called Capital One to straighten out the issue. He was friendly and did so. When we called Capital One, where we offered to clean out our savings to pay the car off in full, they said they couldn't help us until the repo happened, then they would be happy to take our payment. We only owed {$1500.00} out of a six year loan. 

We called the next day to pay off the loan and had to pay {$2000.00} to get our car back and pay off the loan. This completely cleaned out our savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$99.00} XXXX XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX I WAS DISCHARGED FROM CHAPTER XXXX BK OVER 2 YEARS AGO. SINCE THAT TIME XXXX XXXX IE PHH MORTGAGE NEVER UPDATED MY MTG PAYMENT HISTORY. 
I AM TRYING TO REFINANCE MY LOAN HOWEVER FOR OVER XXXX WKS SENDING FAXES AND PHONE CALLS VIA XXXX XXXX PHH XXXX  XXXX HAS NOT RESPONDED TO MY REQUEST. I AM AT THE END OF REFI PROCESS BUT CAN NOT COMPLETE UNTIL PHH UPDATES MY PAYMENTS. THEREFORE, WE ARE REQUESTING YOUR HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TX

Complaint narrative:
This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to EXPERIAN. I've been a victim of Identity Theft Fraud. The private investigators that I have hired have supplied me with suspect evidence including some of the transactions that were used with my identity and credit card information. There is also a fraudulent address tied to this account reporting from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have NEVER lived in California. I have included that enclosed in the documents. Additionally, my credit information was used to purchase flights and I'm in communication with the airline which will be supplying me with suspect and passenger information so that I can press charges against the persons responsible and file a civil suit for damages, lost time and monetary damages. I will not quit until I get the information. I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also the added Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. All other CRA 's have abided by the regulations and Identity Theft guidelines. This is blatant violation of FCRA law. I have now taken matters into my own hands and am investigating the fraudulent address, charges and updating records. I have conclusive evidence that my name, identity and credit information has been compromised in XXXX  XXXX data breaches AND XXXX breach and since these data breaches that I've been a victim of, I've had a plethora of issues including receiving calls from scammers or people posing as bank officials. I have set up the highest level security now including passwords and have wiped my digital information for safety.

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been trying to contact Experian to unfreeze my account for over a week. 

Its impossible to call in and speak with a person, very frustrating. 

I submitted my unfreeze request by mail over a week ago. 

If you force me to do business with this terrible companies the least you could do would have even a standard amount of customer service. These companies are useless, a identity theft liability, and use shady business practices and only exist because they have regulatory capture.

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 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I opened an account with Ameris Bank on XX/XX/XXXX.I live less then XXXX mins from the XXXX XXXX Location . While trying to make a purchase I realized my Debit Card constantly declining.I was unable to check my balance at the Ameris ATM. Forcing me to use out of network ATMs. This caused me to receive several XXXX dollar ATM fees.I went home XX/XX/XXXX to sign up for Business Online Banking to access my accounts via app 24/7. I was told to go to the website on my computer and sign up. I was told I would receive a Business ID within 24-48 hrs. I waited until XX/XX/XXXX to go back to the back to find out why i did not receive a Business ID. A teller at the XXXX XXXX Location walked me through the process and many pleas.I began to constantly visit the bank to resolve both issues.I just received access to my account XX/XX/XXXX. When I reviewed my account I realized i was charged five XXXX dollar overdraft fees and the funds were miss managed because I was unable to see my account and make transfers. I reached out to XXXX XXXX ( Branch Manager ) XXXX Location. She Refunded one fee.Then proceed to attempt to blame me for the overdrafts and ATM Fees and would not address me being unable to access Online Baking or The Network ATM. She said she would escalate the issues and contact me within 24hr. Her resolution was to Offer to close my account even thought I expressed multiple times that I would very much like to keep me account open. She said that I would not be issued anymore credits. I called the call center and spoke to XXXX XXXX she was very rude and unhelpful, She transfer me to XXXX XXXX who was also rude and unhelpful. Who then placed me on a 2 hr hold after promising to transfer me to XXXX for the incident report number or this complaint.XXXX XXXX ( Retail Area Manager XXXX XXXX ( Branch Manager ) XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this 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 2020-07-09 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: CA

Complaint narrative:
I applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this 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 2020-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: WI

Complaint narrative:
I had a loan with Balance Credit. I was behind on payments and they sent it to a collection agency, XXXX XXXX XXXX. The guy gave the account XXXX XXXX XXXX called me on Tuesday the XX/XX/XXXX. He was all over the place in what he was telling me. HE threatened me with a judgment or garnishment. Which legally he can not do.. He said he would get me a good deal if I agreed to a re-payment plan. HE DOES NOT have the authority to offer settlements. HE knew that I had unemployment coming in. HE said he would call me today the XXXX. as he had sent me a payment agreement to sign. I was not by my phone today when he called, SO what did he do he called my daughter on HER work no, which is a recorded line. HIS supervisor tried to say I must have put that number down as contact no. NO, I did not. That is her work no, and I never put that no down. JUST like he knew I was getting unemployment, w/o me telling him. HE went snooping to get that number. I would never give her number, much less her work no. HE talked to her about my debt, that it was a money issue and he needed to talk to me. IT was a recorded line, it's all recorded. What he did is very illegal. I probably would have worked with him, until he broke the law and abused my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX   XXXX {$99.00} XXXX  XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation