vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
Veterans United pre-approved me for a VA home loan. One of the stipulations for final approval was that I sell the house that I owned at the time of pre-approval, " Verify sale of real estate owned ''. I sold my home and went pending on a home purchase. During underwriting, Veterans United started asking questions concerning my employment, that my company is not allowed to answer, per company policy. The main issue was reported to be that my company would not provide written reassurance that I would continue to be an employee for at least the next 12 months. I spoke to my company HR to ask them to provide the required information. My HR informed me that it was against company policy to speculate how long into the future an employee would remained employed. My company verified that I was a current, full time employee. This issue was never brought up during the pre-approval process. As a result, I sold my home and now do not have a home for myself, my wife, or our children. I have also lost a significant amount of money in attempting to get the home that Veterans United issued a pre-approval for, and then denied without proper cause.

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 2021-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, Bank of America, and XXXX XXXX XXXX XXXX. The Account Opened is XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/XXXX I was made aware that both my accounts with Synchrony Bank were closed ( Ashley Home Store/Amazon ) as of XX/XX/XXXX by an alert sent to me by XXXX on XX/XX/XXXX. I immediately callled Synchrony to confirm and was told that " yes '' my account was closed by the guarantor effected XX/XX/XXXX. I originally spoke to a gentlemen and asked to speak to a supervisor as he said I would receive written communication as to the reasons why. When the supervisor came on the line she said that my accounts were determined to be " high risk ''. Mind you I have only had these accounts open since XX/XX/XXXX. I only made a few payments which were all " on time '' and the accounts were actually going to be PAID IN FULL on XX/XX/XXXX. Regardless, she said there is no way to reopen an account once it is closed. 

I am very frustrated as I only had 3 months of payment history which was on-time. In addition, the credit was higher as we just purchased a home and was using the credit to purchase items for the house. I believe their credit model may have made such determination which is insane. I have a solid credit history with others and my accounts were in good standing. Whatever algorithm is being used is causing consumer harm. Now my credit score will go down and now I can not purchase more furniture for my home. I now need to get different credit from another creditor which will be a hard pull. I am asking that both accounts get reopened. When I tried to speak with the supervisor she must have disconnected as I was asking her for her ID so I can reference this in my complaint. I feel as though I am being discriminated against. I want to know what factors prove me to be " risky ''? Why give the credit when people will certainly hold a balance for a period of time. It does not make any sense. I am beyond frustrated as I can not risk my credit score going down for a decision that was made where I was not in the wrong. I expect a full response as to what makes my file risky. I have never in my life experienced such a bad relationship with a creditor. I am truly appauled. Considering the economic times we live it and that I am a good customer paying in good faith, they should be ashamed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased tickets for a concert on XX/XX/XXXX and XXXX using Synchrony Bank via PayPal Credit. Due to the pandemic, the concert was cancelled, and refunds offered. In fact, 6 other concerts for the same band and tour that I purchased through XXXX were refunded. 

I then filed a claim with Synchrony Bank for having not received any tickets, and the merchant letting me know they would not be sent, however they will be offering refunds because the event was cancelled, or account credit for a larger amount than the purchase price. This policy quickly changed, and the offer now is to go to a concert over a year later than originally purchased, or sell the tickets on XXXX, pay fees with the earliest possible date of receiving payment XX/XX/XXXX. 

I filed a claim in XXXX, XXXX, and on XX/XX/XXXX I received a letter from Synchrony/PayPal letting me know they were investigating, and in the meantime they have credited my account during the investigation. 

The amount to be refunded was {$1100.00} ( plus accrued interest ) What happened next was bizarre, I received a letter directly from PayPal stating that they are aware I filed a claim with Synchrony, as such they can not do anything and I should contact Synchrony directly. 

I had done this in XX/XX/XXXX, contact Synchrony directly, and filed the claim. So this is basically going in circles. I have spoken to all three parties ( Synchrony Financial, PayPal and XXXX XXXX  ) 3-4 times apiece, with the common response that my issue isn't there's to resolve, meaning PayPal would say contact Synchrony, Synchrony would say contact PayPal and XXXX XXXX  and so on. Please see attached documentation. I was harmed as a result of both PayPal and Synchrony Financials actions and seek relief.

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 2021-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
Had I known that I would be out ~ {$3000.00} in closing costs, I would not have moved forward with the refinance. Since I was not informed of this extreme discrepancy until 2 days before closing, I didn't see any option but to move forward. 
-- Timeline of communication : He initially said that he expected me to need {$0.00} at closing : XX/XX/XXXX - " My expectation would be that we can XXXX out the amount needed from you at closing so you would not even have to bring {$4.00}. '' He then mentioned nothing else about closing costs until 4 days before when he once again reiterated that he anticipated my net out of pocket to be close to {$0.00} : XX/XX/XXXX - " ... roughly about {$1800.00} coming back your way within the weeks after closing to reimburse the amount that you may need to bring to closing. '' Then two days before closing he casually mentioned that the amount is close to $ XXXX, roughly $ XXXX more than was communicated to me throughout the process : XX/XX/XXXX - " The number needed at closing is {$4800.00} ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
I've sent to Equifax on XX/XX/20 there has been absolutely nothing processed or no sign of investigation and no information has been given to me. 

Not only are the accounts in violation of Federal Law ( unknown and not belonging to me ) they're also not even investigated at all. I've sent these accounts certified mail and I do see XXXX is in receipt of this. 

Its now 2-3 months with NO communication. What's going on? I will be pursuing legal assistance ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I notified TransUnion about credit inquiries that I do not recognize or authorized on XX/XX/XXXX. I logged into the portal and they never opened up a dispute or even acknowledged that they were looking into the fraud. 

I do not recognize and I never authorized the following inquiries. I do not even have an account with them. I need these removed off my credit report immediately as they are not mine and I have never authorized them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Title365 Holding Co.
State: MD

Complaint narrative:
I have reached out numerous times to address issues with a refinance on my current home. I had closed on my home on XX/XX/2021, and had a payoff for my supposed previous mortgage on XX/XX/2021. I have contact Title 365 via the mortgage broker numerous times without resolution. I will now incur additional interest costs on my loan since they have not paid off my current loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: WA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My loan amount due reported was incorrect and I received an 8 month delay on reporting to the credit reporting agencies. The amount due was originally reported XX/XX/XXXX as verified by an agent with XXXX XXXX XXXX XXXX and all payments have been made on time and the account current. Though the amount due was just reported via Equifax on XX/XX/XXXX and caused a XXXX point deduction to my credit report incorrectly. Lastly the amount due showing is incorrect at {$6000.00} when the actual amount is {$5900.00}. Please assist in having this rectified and fix this discrepancy as it's causing me a major financial setback. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland funding has lied about service ( I have proof- they claimed to serve an ex husband and he not only never lived in this state but the description is way off ) they never served papers, postmarked an envelope for XX/XX/XXXX, obtained a writ on XX/XX/XXXX on a judgement by default from XXXX which again I was not served and had no knowledge of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified XXXX of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau Equifax was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified XXXX multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to XXXX that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of XXXX 's incorrect reporting and refusal to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The, below, is a copy of the letter previously sent to Chrysler Capital, with all personal information deleted, explains the situation. 

Good morning : My name is -- - and I was a very good customer of Chrysler Capital when I bought my son, a car on XX/XX/2015. " XXXX '' got his car because we honored our word that if he worked hard to get good grades in high school, we would get him a car. XXXX kept his word and so did we. 

When we bought " Son 's '' car from XXXX in XXXX, MI iXXXX XXXX, we signed a contract with XXXX and gave our word that we would make timely payments on the car over a certain period, and for doing so, we would get to keep the car and obtain a great credit report from Chrysler Capital. We kept our word, never failing. 

At the same time, we bought " XXXX '' car, we bought GAP insurance. Under the control of XXXX, our salesman, the GAP Insurer, chosen by XXXX, was XXXX, ( See Exh. # 1 ). We had no idea of the abject HORRIBLE reputation XXXX had for NOT keeping its word to protect its customers interests. ( See Exh. # 2 ). Before paying our claim, XXXX gave us the same deplorable run around experience they, seemingly, gave all their other customers. 

Unfortunately, my son totaled his car on a snow-covered road sometime thereafter. Thank XXXX he was unhurt. When that happened, we expected XXXX to honor its word to pay the GAP insurance on a timely basis. XXXX, did NOT honor its word, lost information and asked us for the same information multiple times. 

As a result of XXXX terrible record of paying claims I received a very bad credit report from Chrysler Capital. Despite my continued calls and communications with Chrysler Capital that XXXX was using every possible delay NOT pay my claim, Chrysler Capital reported me 90 days late and a Charge-off. The GAP insurance was eventually paid by XXXX but the damage to my credit was already done. This has bothered me for the last two years. I kept my word and was damaged despite having no control over the outcome by a GAP insurer chosen by XXXX. 

I do understand I have arbitration rights ; however, I am asking Chrysler Capital to do what I believe is right. I was a customer that was NEVER late with a payment because my credit is important to me. PLEASE consider removing all deleterious information from my account. 

If you would like to contact me, my email address is XXXX and my cell number is -- - The VIN associated with this account is -- -- and the last four of my SS # are -- -. Thank you. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Today XX/XX/2021, I called the service provider for my loan as I have for the past few months to inquiry why my payment was not taken out as scheduled with my auto payment plan. I have a bi-weekly payment plan. My loan was initially with XXXX and later transferred to XXXX XXXX, serviced by Loan Care. My payments went like clockwork for quite some time until the last few months when my payments were taken out 1 to 2 weeks after the scheduled date. In one instance I was notified my payment was late! I have spent many hours with Loan Care on the phone to ensure my payment is processed and more recently to urge them to correct the issue. What I learned today after three hours on the phone with multiple people, is that loan cares computer system does not support the bi-weekly payment plan I have which was grandfathered due to the loan transfer. They have to initiate a service request each time. Of course, it was working correctly for quite some time, so I am not sure this is accurate. I asked to be put in contact with XXXX XXXX to discuss a new service provider who can meet my needs but was hung up on upon being transferred. It seems loan care can not or will not fix this issue. I am at a loss about what to do here other than refinance. 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 2021-02-26 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:
PayPal closed my account for no reason and will not help me recover it. I haven't gotten help from them for months, but I just remembered that I can submit a report here because I think they are not doing a good job, and because I often use PayPal, this has a big impact on me. My email link to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I scheduled a temporary lift of my credit freeze last year. I scheduled it for 7 days, ending XX/XX/XXXX. Equifax still shows the account as unfrozen through XX/XX/XXXX. That was 3 months ago. 

They will not let me freeze my credit. 

They make phone numbers hard to find and then the numbers lead right back to " do it yourself '' - but i can not. Real customer service is only for paying customers. 

They already burned me by exposing my data in XXXX, they should be more interested in protecting people before asking us to pay them more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Sentry Credit, Inc.
State: FL

Complaint narrative:
On the XXXX of XXXX I noticed his derogatory information on my credit from century credit inc Account number XXXX representing a creditor by the name of XXXX XXXX XXXX.Upon notice of this on my report I filed a dispute with XXXX  and XXXX XXXX. Today I received a letter dated XX/XX/XXXX. On this letter, in reference to the account and the current creditor as XXXX XXXX XXXX, But what the attached was a contract from XXXX XXXX XXXX not XXXX XXXX XXXX. I Called A SENTRY representative, because it was no address or phone number listed with XXXX XXXX XXXX XXXX. After speaking with representative she discussed the contract referring to payment agreement I explain to the representative That the paperwork does she sent was contradictory and that the information provided the credit bureau was contradictory and that the signatures were either electronic or cutting paste and it was electronic date of XX/XX/XXXX not XX/XX/XXXX. I Explained that this company has not done anything that they are complaining charging, nor did I borrow any money or have a judgement againstme. I further advise that my representative was from The XXXX at the VA in XXXX XXXX XXXX not them. she then wanted me to send her proof, but I not trust them becuase it takes a real Pariah to pray on XXXX Vets, She did say that she has had similar issues with this particular client, but they still pay their bills.

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