vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX On or about XXXX hrs. XX/XX/2020 my wife and I contacted GUILD MORTGAGE COMPANY in order to inquire and apply for a VA refinancing of a Conventional home loan. Specifically, we endeavored to transfer our Conventional mortgage product to a VA refinanced mortgage, as I am a service connected XXXX XXXX veteran and endeavored to use my VA Loan Guaranty product ( s ) Subsequently, we were connected with : XXXX XXXX XXXX Officer | NMLS # : XXXX GUILD MORTGAGE COMPANY LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX M : XXXX | F : XXXX XXXX XXXX We articulated, to the aforementioned, the product we wanted to pursue. We were told this was a product offered by Guild Mortgage Company. We were instructed to provide all information via the Guild Mortgage website application, as well as, to provide prior two ( 2 ) years W2 's. LO indicated there would be a HARD PULL upon our credit report ( s ).

We completed the application process and emailed ALL requested documentation. On or about 1800 hrs. LO called and articulated all was well and that, but for the reduction in interest rates as the result of the national election, we would have to revisit the locking in of a lower interest rate on the following day. The next day, today, about 1400 hrs. LO contacted me and stated, " unfortunately, we would not be moving forward because her company does NOT offer a Conventional to VA refinancing product and that she was not aware of this and did not find out until moments before contacting myself. Furthermore, LO articulated she would be emailing a quote for a loan product but NOT what my wife and I requested ''. I told LO, " I did not appreciate her wasting our time, especially, negligently placing a Hard Inquiry upon our credit report and damaging our credit scores, when Guild Mortgage Company does not even offer the product we need and that I was extremely unhappy! '' LO stated, " Sorry, I suggest you shop different mortgage companies in order to locate the product you want, like I said, I will email you the product offering I previously mentioned, goodbye and have a nice day! '' This is unacceptable and deleterious, false, deceptive, misleading, negligent, tortious, damaging and bad-faith business dealings by Guild Mortgage Company and their Loan Officer, as well as, a violation of the Texas Deceptive Trade Practices Act ( DTPA ) laundry list. 

Please advise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XXXX, I found that there was fraudulent activity on my account. I immediately reported it. 

Bank of America claims to have investigated and returned a decision that they were not going to fulfill their obligations of protection that they had agreed to. I reopen the case and once again they made a unilateral decision to not refund my money. 

I have received multiple instances of letters being sent to me by various companies that my card information has been leaked. I have much proof that my information has been compromised to include my addresses for the last 10 years due to department of defense hacking. 

I am a XXXX veteran living off of my XXXX and a single mom. This has caused me great financial hardship and Bank of America has told me that they refuse to look at this again. 

I have asked to escalate to a manager and was told that they would not allow me to continue asking for support and that their decision was final, even though I was never presented an opportunity to give any sort of evidence. I have asked multiple times what they need from me in order to support the resolution of this claim and they have refused to give me a way to prove that this was fraudulent. I have asked to escalate to a manager and was told that they would not allow me to continue asking for support and that their decision was final, even though I was never presented an opportunity to give any sort of evidence. I have asked multiple times what they need from me in order to support the resolution of this claim and they have refused to give me a way to prove that this was fraudulent. My last conversation on XXXX ended with the representative telling me that there was nothing I could do and that I should just seek legal counsel. This is not an option for me, I do not have the monetary means to pursue this. This is what Bank of America is counting on. 

I am asking that those with limited money also be honored just as much as those with thousands in their 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 2020-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
my truck was totaled insurance is supposed to be handling this.. told debt collector on XX/XX/XXXX the vehicle was totaled ... ... ... I was told to XXXX out and they would contact my insurance ... .I have repeatedly told them they need to deal with my insurance ... ..they will not respond or take this information ... ... .My insurance has contacted them ... or supposed to ... .I need something done to stop this harassment ... Ally is the debt collector on debt # 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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello -- For some reason Experian shows me as having no credit whatsoever. The other 2 credit bureaus have accurate data ( score of about 800 ) but per Experian first cut call center, they do not have any data. 

The first 3-4 times I called, they either said the problem was with me ( " you must not have any accounts '' ) or with my credit cards reporting the data as told me to call my credit card companies ( I did, all of them said they are reporting the data ). 

I was finally able to reach somebody who was helpful that told me that Experian had accidentally done what is called a Split to my account. She was incredibly helpful and was able to see my full credit history in the system and said that Experian had somehow split the data from my existing account. She put through what she said was called a Split10 and that it would be fixed in 3-5 business days. 

After that time expired and it was not corrected, I have called back 5 different times. Each time I have gotten a different explanation ( first they said the Split had not happened, the next time it was and the issue was I had no credit after all, etc ). Each time ( except for the first rep ) they have quickly said they can not help me and then transfer me to a new department ... and then often they transfer me back to the other department. 

It is incredibly disheartening to see how terrible their customer service is -- nobody seems to care that having this error on Experian 's end has a big impact on their customers. Nobody is willing to offer to call back -- all the effort is put on the customer and they take no accountability. While I want this fixed, my bigger hope is that someone looks into their practices and requires them to be more responsive to their customers.

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 2020-11-04 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: Block, Inc.
State: NY

Complaint narrative:
I opened a cash app account via online app. Every time I log on I get an error notice on the page and Im unable to do anything further on the app. Some times I can see my balance and when I do it has been different amounts ranging from $ 5- {$11.00}. In the month of XX/XX/2020 I received two small deposits from my niece. One was for {$11.00} and the other was for {$7.00}. I never received a notification that she sent them as I have experienced with my last deposit made into my account from my daughter on XX/XX/2020 for {$100.00}. I received a text notification for my daughters deposit. My account however, has not reflected the added {$100.00} deposit. I tried to contact Cash App through the app but as I stated before I could never navigate the app due to the error screen that always popped up so I found Consumer Finance to submit a complaint since there is no other means of interaction for Cash App. I also submitted a complaint with another online website who I believe was a scam so I didnt further initiate contact with them because I was uncomfortable with the questions being asked. I have a card for the Cash App account that I have had constant log in issues with as well but have never used it. I have since made a new Cash App account and I wish to close the other account and receive all funds attached to the old account. I would like to be reimbursed by paper check in the amount of {$110.00}. That is the balance I am supposed to have in the account. Once that account has been close and deleted I would like documented proof to have for my records of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: MIDFIRST BANK
State: NC

Complaint narrative:
I have contacted all of the credit bureaus, Midland Mortgage, MIDFIRST Bank and CFPB MULTIPLE TIMES OVER THE LAST THIRTHY DAYS. I realize that I am impatient but the application for both improved term and rate on 15 year VA IRRL refinance is time sensitive. 
It is apparent that none the agencies which are reporting inaccurate credit information on my credit file are reacting to my inquiries, as my Beacon score has reduced by 13 points in the last two days despite my total indebtedness decreasing by {$140000.00} or 27 %. 
This is a function of Midland Mortgage reporting my mortgage as 60 days late during the forbearance period permitted in XXXX and XX/XX/2020 and at the same time failing to appropriately report the closing and payoff of my {$140000.00} for 52 days after the payoff due to their sloth, malfeasance or both. 
I have called Midland Mortgage, XXXX, XXXX, and XXXX at least seven times in an effort to rectify these errors and all parties lay it at the feet of Midland Mortgage and MIDFIRST Bank who have refused to contact the credit reporting agencies directly to correct their errors.

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 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
I received a letter in the mail regarding a debt, I attempted to contact the number and couldn't reach anyone. On XXXX, I sent an email regarding the debt. I wanted in writing the information. XX/XX/XXXX, I received a letter from National Recovery Agency regarding a medical bill for XXXX hospital. I again emailed because you can't reach anyone by phone. On XX/XX/XXXX after sending an email. XXXX contacted me regarding the debt. I explained to her that I did not owe that amount, the amount I had indeed paid, and I supplied her with the balance I actually owed. She stated she would reach out to the company for settlement and would contact me back and even asked how I preferred to be contacted. I explained in writing, via email. She then said it would take a day or two for her to get back to me, but I would hear something. Fast forward to today and not one word and this debt has now been turned over and is reporting negatively on my credit. I have again reached out to National Recovery Agency regarding this, via email so that I have proof of everything and still have not heard one word as this sits on my credit report. I am unemployed due to Covid and explained that to XXXX and explained I wanted it settled. They have failed to do anything they stated. The conversation was recorded, as they all are. I'd like for someone to take care of this issue and take if off my credit!!

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 2020-11-04 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: DISCOVER BANK
State: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX This account is reporting inconsistent information between the two bureaus if this information is verified as accurate how is the high limit of {$610.00} and {$0.00}? The open date is even different PLEASE DELETE XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX As a consumer, I know that you can not report an account as an open charge off and list the account type as unknown! How was this verified but listed as UNKNOWN? Wouldnt you have known what type of account it was if it was so-called verified? REMOVE IMMEDIATELY

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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am writing to you today regarding the NAVIENT SOLUTIONS , XXXX account, Account # XXXX, Date Opened XX/XX/2005, Balance {$1200.00} and send you my notice of intent to suit. Your company has committed the following damages : legal advice expenses, not being able to obtain {$10.00} XXXX loan, emotional stress, and multiple violations. 

1. Inconsistent reporting across bureaus.

2. Failure to remove rehabbed account off credit report.

3. Negligence.

4. Breach of contract.

5. Reporting false and erroneous information. Violation to section ( 609 ) of FCRA 6. Missing CA Notice : Failure to provide notice of late payment insertion required by California Credit Reporting Act.

7. Reporting adverse/negative information without a warning notice. Violation to section 623 ( A ) ( 7 ).

8. Failing to provide notice after negative information was reported.

My demande is delete the entire tradeline reported on this account and send me a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH , 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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Sunrise Credit Services reported on my XXXX  credit report as a debt collection account on XX/XX/20. This is a fraudulent account and I was a victim of identity theft. There is an identity theft report with each bureau which the account should have NEVER been reported on my credit file.

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 2020-11-04 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: NC

Complaint narrative:
I have attempted numerous calls with the credit bureaus in attempt to remove collection accounts which were a result of identity theft. I have submitted my identity theft report from the XXXX  about 8 times in the last two days. Each time I call they advise that they have not received, but on the website, it advises that information uploaded will be received the same business day. I have requested another form of expedited uploading, such as email or fax and they advised that the only way is US mail or upload through the site. They will not remove the collection accounts, despite me advising them I have an XXXX report for identity theft.

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 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I have repeatedly told Portfolio Recovery Associates ( the company ) not to contact me on my cell phone as this number was not provided to either the Debt Collector or the original debtor of any of my accounts. I just recently got this number in XXXX, 2020 and the calls started almost immediately with no interaction from myself with the debt collector or the original debtor. The original debts are over 3 years old. I have notified the company that they have illegally obtained my cell phone number, as well as that it is inconvenient for them to contact me there which puts them in violation of the FDCPA. Portfolio Recovery Associates calls me several times a day, they never leave a voicemail when I do not answer and they continue to violate the FDCPA by inconveniencing me at work which can cause me to lose my employment. My last interaction with them was today, XX/XX/2020. I have been telling them since XXXX, 2020 to stop calling this number, yet they continue to call it.

Company response to consumer: Closed with non-monetary relief