vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/XXXX a deduction of {$4800.00} was taken and paid out of our escrow account to pay property taxes for an incorrect Parcel # located in a completely different county. 
Our property taxes {$3300.00} have not been paid and a 10 % late fee has been added. 
To date XX/XX/XXXX, Funds have not been put back into our escrow account and our taxes have yet to be paid. 
We have received an escrow account analysis which is incorrect based on our account reflecting we have a {$9700.00} property tax bill yearly, which has now caused our mortgage to increase from {$1500.00} to {$2400.00} starting XX/XX/XXXX. 
Our money has been mismanaged!

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 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC posted directions it was working to resolve issues. But was not. It then suggested I contacted branch officers when appointments were made via a portal that expressly said Based on our review, we believe there are discrepancies that we want to work with you to remedy. 
they never worked at all, instead asked for reports it took hours to produce then failed to reply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out via mail to the following credit bureau about a collection company that's reporting on my credit. I have asked for validation if such debt is owed.

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 2021-05-18 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: MD

Complaint narrative:
I have recently reviewed a copy of my credit report. I Consumer, XXXX XXXX notice that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692d, '' Any bad debt furnished on your reports is ruining your reputation and its defamation of character. I have attached my FTC report and my license and ssc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westhill Financial
State: CA

Complaint narrative:
Company called Westhill Exchange LLC claims to be collecting a debt from another party. I have never heard of Westhill Exchange and have not received any communications from them. The first time I heard of them was XX/XX/XXXX when they sent me a purported " receipt '' for XXXX that they said they were taking out of my XXXX XXXX XXXX account without any authorization from me whatsoever. I contacted them and told them not to remove any funds, they have no authorization, and to please provide me with a debt validation letter with proof I have a debt with their company or anyone they represent pursuant to the FDCPA. It turns out they did issue a check to my account, with random check numbers and indeed took XXXX out of my account without any authorization from me. XXXX  XXXX XXXX has been notified and they have advised me to freeze and close account. This is my main account that everything is tied to, so it will cost me time, money, and stress to transfer everything to a new account. The first time I ever even heard of this company, Westhill Exchange LLC, was five days ago and I believe they have violated FTC rules by taking money out of my account without any notice or authorization. I didn't have time to receive or review any paperwork in order to dispute or deny such an allegation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2020 at XXXX my real time account balance was {$1000.00} Im a little under 2 hours later, in the middle of the night my account balance changed to {$320.00} at XXXX on XX/XX/2020 The account balance was real time. All charges previously taken out, even pending was already physically taken out in real time from my account leaving the {$1000.00} as my current and real balance. 
That is {$740.00} taken stolen from my account in a 2 hour window in the middle of the night. 
I went to a branch for help and they would not help me. I then went to the branch I opened the account in and they would not help me, instead called a manager and all he did was print out my statement, tell me that I have to audit it and prove to them the money is missing and then he had the audacity to try and sell me/apply for a Citibank credit card. 
The statement during the time the money stolen out of my account does not show. I have screenshots proving so. 
Following will be screenshots of my account that clearly show date, time and how much was stilen out of my account and does not show on the statement and amount missing is unexplainable by the financial professionals of the bank and its manager.

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Social Finance, Inc.
State: TX

Complaint narrative:
Sofi sent me a credit card I did not apply for. I tried to contact the company but they have no fraud department. There customer service number said they can help if its about a charge, but not on a card? 
Tried to dispute with credit bureau but the said we showed you applied for it and its yours, however they will suspend the card. I have a credit card and a hard inquiry on my perfect credit and I am buying a new house and this effected my Percentage amount on my loan. 
I volunteered to do a police report or affidavit and they said it wont matter, its staying on your credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
They closed my account after I identified my identity too them, at the time I wasnt XXXX XXXX XXXX too have the account. So I verified when I turned XXXX then they closed it due to that reason not giving me any information on why they closed my account with earned money I need for bills, I rang them up about the issue, that didnt really get anywhere apart from the fact they said they are holding my account for 180 days but after a 30 day period I can transfer the money to my bank. Its now been about 110 days and Im still unable to transfer my self the money, PayPal seems like a very unorganised company from my experience. My PayPal is all linked to my main email which is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to close a savings and checking account and establish beneficiary IRAs from my deceased mothers accounts. I submitted the required documentation in XX/XX/2021 and continue to get nowhere with Bank Of America.

Estate services reference number is 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 monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Michigan Mutual, Inc.
State: ME

Complaint narrative:
Started a Construction Loan process through XXXX XXXX XXXX XXXX in XX/XX/XXXX - Office XXXX XXXX - NMLS : XXXX. Construction loan was finalized through Michigan XXXX - XXXX XXXX XXXX, HomeStyle, & Repair Escrow Disbursement XXXX Michigan XXXX XXXX Galleria XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XXXX Fax : XXXX On XXXX we closed the loan process and received a check for XXXX roughly out of the XXXX we had for the construction loan. We were told at that time that XXXX XXXX XXXX  XXXX / XXXX XXXX would work with XXXX XXXX ( XXXX  ) to finalize the paperwork on XX/XX/XXXX so that I would receive the remaining {$110000.00} funds from the construction loan before XX/XX/XXXX. 

Now, in working with XXXX XXXX it doesn't appear I will be getting the funds - I must note, I have a mortgage that includes the full XXXX of which XXXX is still not been distributed to me. I keep getting jerked around on why I'm not getting them. I just don't know where to begin and certainly easier to tell the whole story verbally. I can be reached at XXXX XXXX XXXX. 

Appreciate your time and help!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Also please remove the following fraudulent inquiries : XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. The ID Theft report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ARS National Services, Inc.
State: ID

Complaint narrative:
Today a gentleman named XXXX XXXX working for XXXX XXXX XXXX XXXX contact my mother, brother, father, and wife and told them what the debt was for how much i owed and the amount they could pay to take care of it. i never once heard from the company and when my wife informed him that he was breaking the law he decided to hang up and call all of my family members back and leave voicemails demanding i call him due to her committing fraud. i emailed them a cease and desist letter and they continued to reach out to references and give them information after that. any contact they have with me needs to be through physical mail and that is all. we have the voicemails if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX, I had some fraudulent activity happened on my credit report. I went through the proper channels of getting that police report and placing a fraud alert on my credit file that states to contact me before proceeding with pulling my credit.. I pulled my Trans union credit file XX/XX/XXXX and noticed inquiries on my account some I recognized him I didn't. All inquiries made in XXXX I disputed besides XXXX XXXX XXXX XXXX AND XXXX XXXX with Trans union. I wrote them by mail with my dispute letter stating my issues, provided a utility bill and a copy of my driver 's license, also copies of my phone records of the days and which my credit was pulled without my consent and the company 's at question not abiding by my fraud alert on my account. Trans union replied with a letter XX/XX/XXXX basically explaining what a inquiries was not responding to any of my issues in my letter. I contacted them today XX/XX/XXXX and after I began explaining to the agent my problem he just disappeared. The line didn't hang up he just stopped talking. I called back and talked to someone again and he was trying to tell me I had to write in to dispute this issue and was not understanding that I already done that. So now I'm contacting you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
someone put a credit card in my name in 2017 and it just came on my credit report and I never applied for that card i have a couple credit cards because i own a XXXX like XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX of XXXX I contacted XXXX XXXX of BBVA and applied for a refinance of a mortgage loan on my investment property. I specified that my investment property was in the name of my XXXX which I wholly own. I also expressed my desire to maintain the loan in my XXXX name and also apply for a line of credit on the same property. By mid XXXX I had submitted all documentation requested and was under the assumption that my loan was on its way to a decision from the underwriter. I was told by XXXX not to pay for the appraisal until notified by her to avoid any complication. It was not until XXXX that she gave that notice and the appraisal was complete. The property LTV came in far below 80 % and my credit score qualified for the best rate. 

Many time throughout the process there was no communication as to the status of my loan or when a closing date could be reached. It was not until XX/XX/XXXX that XXXX reached out to inform me that they would not be able to process my loan under my XXXX name and I would have to close in my own name. I informed her that it was unacceptable that I was just now being notified of this. 

Since then I have reached out to several people and departments at BBVA, none of which have called me back or offered any assistance. I have spent over {$500.00} for the appraisal and have no way of getting it back. I need assistance in recovering lost funds and getting a hold of someone who will actually assist in my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony abruptly closed my Amazon XXXX store card in XX/XX/2020 after years of use. I received a letter dated XX/XX/2020 indicating account closure was due to " activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. In all the years I have had the account, there was not a single missed, delayed, or partial payment. The account was paid in full every single time. 

I suspect the real reason Synchrony wanted to close my account was that I have accumulated {$1400.00} in rewards, which Synchrony declined to payout since THEY closed my account. This is completely unethical right in the middle of COVID they start to close people 's accounts because they are unable to pay out the rewards promised.

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 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: MA

Complaint narrative:
Hello, Received letter in the mail from a debt collection agency, UNIFIN, based in XXXX, IL. I called the number twice and spoke with an agent but did not get her name. When called back after contacting what I thought was the original debt who could not find me in their system I called the debt collector back. The agent XXXX who was a woman verified me by my name and last four of SS #. I then proceeded to tell her that this was not my debt and asked for information on who the original debt belonged to. On the letter the original debt is XXXX, when speaking to the agent she stated the acronym stands for XXXX XXXX XXXX Bank based in XXXX IL. She provided me with a number so that I could inquire about myself. The number is given to me by agent XXXX. I called the number once on my own and called again after speaking with the agent. I spoke to the same individual who confirmed they were not XXXX XXXX XXXX Bank XXXX, but XXXX XXXX XXXX Bank based in XXXX PA. This is clearly fraudulent and wanted to alert you to this scam!! When asking the agent where was the call center was located that I was calling she refused to provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the Creditors ( Dept ED/XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation