vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Escrow Refund Issues : - SunTrust Mortgage - Loan Acct : XXXX Loan closed with re-fi on XX/XX/XXXX. Funded to SunTrusXXXX on XX/XX/XXXX. Loadn payoff was processed and I have received multiple pieces of correspondence from SunTrust included the Recording of Cancellation of Deed to Secure Debt but no escrow refund. 

I have spoken with them several times and continue to get the runaround with no resolution. 

XXXX 's explanation - Check cut - XX/XX/XXXX Check mailed - XXXX Need to wait 30 days to receive and if no check, they will stop payment and reissue using the same process and I will need to wait another 30 days. 
They will not expedite the return of my escrow funds even though it is strange that I have no trouble receiving at least 10 pieces of correspondence from SunTrust. I suspect there is a process to hold checks to continue to collect interest. What is their reasoning -- there is none. They also will not send with any tracking information. 
I need my funds so I can pay my property taxes which are coming due but have no return of my escrow funds. 

Please help!

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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion refuses to recognize legal court documentation that the court ruled in my favor with no money owed to XXXX XXXX XXXX. They also keep removing the dispute from their online system so I am unable to view the status of any investigation. I filed a dispute on XX/XX/XXXX ( attached reference ) and it is no longer showing a status -its gone. Once I spoke to a Transunion rep the told me a dispute was submitted on XX/XX/XXXX ( attached reference ) and the credit agency said it was valid. All documentation provided says I owe no money owed to XXXX XXXX XXXX. I am filing this second complaint because Transunion and XXXX is publishing inaccurate information on my credit reports. 
And asking XXXX and Transunion to provide valid documentation that disputes a court decision and documentation from the surety company that no money is owed to XXXX XXXX XXXX ( reference attached stating no money owed to the community ). Or remove this from my credit report.

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 2021-08-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2021 I started filing disputes with Credit Bureaus about the information that is being reported on my credit report. I have not heard or receive a response from the Credit Bureaus. Since then I still I sent more letters and still have not received a response. The three credit bureaus are XXXX XXXX, and Experian. I have sent them documents show that the information was not correct. They haven't verified the information or sent response.

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 2021-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXX-Balance : {$20000.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXX-Date Opened : XXXX XXXX  XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXX, XXXX XXXX XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXXDate Opened : XXXX XXXX, XXXX XXXX XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened a business account at bank of America. After putting all my business information and account numbers on the computer at the branch, the computer screen turned blue and popup said " XXXX thanks you ''. I asked the lady who was watching me what was going on and she said that, " that was a practice run. '' I told her that I didn't enter practice information but the real information of my business and she told me they didn't want my business.

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 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: SC

Complaint narrative:
Previous loan service company, XXXX XXXX. ( representing XXXX XXXX XXXX  ), transferred my account balances to new service company, BSI Financial Services ( BSI ), XXXX XXXX XXXX, XXXX XXXX, XXXX, TX., XXXX. XXXX  transaction history ( See attached ) shows the escrow account was closed. Unfortunately, that escrow balance of {$770.00} is not reflected in my BSI account. 

Also attached is a synopsis of some relevant email communication. Please note that while these emails were exchanged, several calls were made to BSIs customer service department. During these calls I was told that my issue was transferred to the appropriate department for resolution. However, when I call back to follow-up, there is no notes of activity on my account regarding the previous call. 

Subsequent to the attached emails, beginning on XX/XX/21, several payments reversals were made on the account and now BOTH my principal and escrow balances are inaccurate and WRONG!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
On XX/XX/2021 I check my credit and I notice that a new collection account was added to my credit collection history. An account was open with XXXX Since XX/XX/2021 and has not been paid and refer to collections. I disputed this information per the address were services are been giving is not my address. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX and the address where services were request is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. A letter was mail to the tenant of this apartment letting her or he know that I know he using my information to obtain cable. XXXX delete this information from my credit report but I am still worry about my personal information specially my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I keep getting phone calls from American Express for a debt my brother owes. I have talked to Amex twice that I have nothing to do with my brothers finances. I am XXXX and my brother is XXXX. They keep asking me to talk to him and to have him call Amex. I explained I am not an arbitrator for Amex or my brother and to remove my number from their call list but they will not and keep calling me and my ex-wife, who has zero contact with him. I do not even have an American Express account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: West Realm Shires Services Inc.
State: GA

Complaint narrative:
In XX/XX/2021 I deposited {$800.00} to buy cryptocurrency. I was told to wait 15 business days before withdrawing. On XX/XX/XXXX I decided to withdraw my funds and there was an error ( Said that I had a read only account ). I reached out to customer service on XX/XX/XXXX to get help. They asked for a copy of my identification and a selfie to prove my identity. I sent it in. They asked for it again on XX/XX/XXXX. I sent it in. They asked for them all in one picture on XX/XX/2021, I send that in on XX/XX/2021 and they stopped responding. I wrote them no less than seven times asking for an update in the status. I wrote them again on a new thread which issued me a new trouble ticket number. I was told by one customer service person to try to delete the app and re-install. I did and reported to them that it didn't work and they have not responded. I looked online to check to see if anyone else has been having problems and there were 5-10 people who were all having problems withdrawing their funds from FTX/XXXX. As of my understanding, no one has been able to recover their funds. Each of us has deposited enough to be worth tens of thousands of dollars in the near future. 

Please note the link : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: American First Finance, Inc.
State: GA

Complaint narrative:
I had a lease to own purchase with American First Finance. I paid my account on time and was never late because I used autodraft. XXXX XXXX weekend, my checking account was compromised, and a new checking number had to be issued. This caused my auto draft to be returned. So XXXX 's payment was returned. I paid the account in full on XXXX XXXX XXXX 
Despite the fact that on XX/XX/XXXX the account was paid in full. American First Finance reported my account on XX/XX/ as " 30 days past due and Paid " to both my XXXX and XXXX report dropping my score 50 points. 

On XXXX XXXX XXXX  I did not owe a balance to this company. The account was paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to a garage on XX/XX/. tried to fix my car. The mechanic couldn't figure out what the problem was but still asked me to pay the inspection fee. I asked him how much he said {$25.00} but the bill was actually {$120.00}. I didn't sign the receipt and they didn't even give me a receipt. Basically I didn't authorize the payment, so I tried to dispute this to Bank of America twice but they couldn't do anything to help. 

this is the second time I report this case to CFPB. A few days after I reported them I got an email from BOA. They said they tried to call me but no one answers they also give me a number to call back and told me they needed to verify with me through the phone. I tried to call them tons of times and no one never responded. I also sent them an email back explaining the situation and asked for a correct number to call back but unfortunately still no response.

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 2021-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
One year ago I bought a couch at XXXX XXXX XXXX and they set up a 12 month interest free loan to pay off the couch. I have received bills monthly from Wells Fargo to pay off the couch that asked for a minimum amount of {$84.00} ( this should have read " recommended amount to pay-off in 12 months = {$210.00} '' ) Since I did not pay off the couch during the 12 month interest free timeframe, I got charged an additional {$680.00}. But I find this deceiving since the bills that I received never asked for more than a minimum payment. 
I understand now that this is a deferred interest loan, but it seems like I was set up to fail and pay the {$680.00} interest on the loan. 
I reached out to Wells Fargo who I have been a customer with for almost 25 years and they were able to decrease the interest payment to {$510.00} if I paid the loan in full amount of {$1700.00} within 72 hours, which I did just to be rid of another bill and more unseen fees

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 2021-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a checking and savings accounts with TD Bank based on an advertisement received in my mail with the promoting message " Open your account to earn up to {$500.00} today! '' To earn the {$500.00}, in XXXX of 2020, I went to the website " XXXX '' to open the accounts. I met the required conditions as stated in the advertisement. 
- {$300.00} for when open a TD Beyond Checking account and have {$2500.00} in direct deposits within 60 days. 
- {$200.00} for when open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least a {$20000.00} balance for 90 days. 

After many months, I never receive the money as advertised. I called TD Bank consumer services and was informed that it takes 3- 5 business days to resolve the matter. This never happened. The second time I called, I was advised the same message that it will be resolved in 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Since XX/XX/XXXX I have have been disputing an un-validated account with XXXX XXXX XXXX. I have been requesting for validation ( NOT VERIFICATION ) of an account that they are claiming belongs to me. Since my initial contact, XXXX has not been able to provide me the proper validation documents that I have asked for. I have contacted XXXX twice in XX/XX/XXXX then XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested " if XXXX  is unable to provide validation of the account that the bank please contact the credit bureaus to have the account removed ''. 

My 2nd contact with XXXX XX/XX/XXXX I started to receive notices for collection. The account in question then appeared as a revolving account, my credit score begin to decline and I was receiving notices to pay {$2100.00} out of an XXXX balance. I did not refuse the offer if the account was validated as mine. JPMC could not provide validation. 

In XXXX, XXXX and XX/XX/XXXX ( recently in XX/XX/XXXX ) I have contacted XXXX, Equifax and XXXX XXXX but neither of the agencies were able to retrieve validation from XXXX  account. But, the credit bureaus allowed the account to revolve and remain as active. 

In XX/XX/XXXX I checked the update on the XXXX. The account was reported as delinquent, a high revolving account and a closed account. Today, in XXXX I continue to receive " an offer to pay {$2100.00} from XXXX. They have not and can not validate the said account. 

I want XXXX  un-validated account removed from my credit history because it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since XX/XX/XXXX I have have been disputing an un-validated account with XXXX XXXX XXXX. I have been requesting for validation ( NOT VERIFICATION ) of an account that they are claiming belongs to me. Since my initial contact, XXXX has not been able to provide me the proper validation documents that I have asked for. I have contacted XXXX twice in XX/XX/XXXX then XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested " if XXXX  is unable to provide validation of the account that the bank please contact the credit bureaus to have the account removed ''. 

My 2nd contact with XXXX XX/XX/XXXX I started to receive notices for collection. The account in question then appeared as a revolving account, my credit score begin to decline and I was receiving notices to pay {$2100.00} out of an XXXX balance. I did not refuse the offer if the account was validated as mine. XXXX  could not provide validation. 

In XXXX, XXXX and XX/XX/XXXX ( recently in XX/XX/XXXX ) I have contacted Experian, XXXX  and XXXX XXXX but neither of the agencies were able to retrieve validation from XXXX  account. But, the credit bureaus allowed the account to revolve and remain as active. 

In XX/XX/XXXX I checked the update on the XXXX. The account was reported as delinquent, a high revolving account and a closed account. Today, in XXXX I continue to receive " an offer to pay {$2100.00} from XXXX. They have not and can not validate the said account. 

I want XXXX  un-validated account removed from my credit history because it is not mine.

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 2021-08-23 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: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Dates XX/XX/2020 & XX/XX/2020 {$1400.00} each account. 

All I received was a notice of the amount. The XXXX never sent a bill itemizing the amount left to pay. I emailed the XXXX the packet for financial assistance and the XXXX never returned my phone call or emailed me back to even say they received it. I have a XXXX XXXX and due to the nature of my job I was unable to work for weeks.

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had the Bank of America Visa since XXXX. In XXXX, I added my daughter as an authorized signor on the account. We recently agreed that she should be a joint owner, and contacted Bank of America for the necessary paperwork. The paperwork was completed, financial information and signature accepting legal responsibility by my daughter and my signature authorizing her to be added to the account. These were mailed to the Bank of America, XXXX, TX address on XX/XX/XXXX via the USPS. 

On XX/XX/XXXX, she gets a letter congratulating her that her request for being a co-applicant was approved. It was HOWEVER approved for the account of XXXX XXXX XXXX with an account number ending in XXXX. The account number is different that mine, and neither of us know a XXXX XXXX XXXX. 

My daughter asked, multiple times to please look at the paperwork adding her erroneously to the XXXX account, so she could be rightfully added to my account. The supervisor said that the bank did not have access to the paperwork, and to reapply again. 

We have a concern for the following : We sent in an application XX/XX/XXXX to have daughter added as a co-applicant to my account ( referenced above ). 
She received an approval dated XX/XX/XXXX and received a week later but was added as a co-applicant to a XXXX XXXX XXXX account # XXXX rather than my credit card account. 
Despite several calls by daughter and myself, no-one at the bank would even check if the application should have been adding my daughter to my account. They instead closed the XXXX account for fraud. 
Bank of America claimed that they can not access the application for credit ( adding daughter as a co-applicant ) to verify if it were fraud or a mispost. 
There is an application for co-applicant on my account with account numbers, signatures, social security information and financial information that the bank claims they do not have, although within an appropriate timeframe they added daughter to a stranger 's account. 

The credit card account has been open for 23 years, has never been a day late, and profitable for the bank. I hope that you can help us with our issue.

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