vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The listed items are completely inaccurate and incomplete and it is a very serious error in reporting. I do not have contracts with these company and did not agree to pay any money to them. Its a FRAUD! This wrong information badly effecting my life planning. Therefore, the following information needs to be reinvestigated and delete after your investigation all the items!

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 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: IL

Complaint narrative:
This is a fraud, looking for someone about a debt. Saying its from XXXX XXXX or somebody. This is not even a real debt collection company! The call every single day in the XXXX XXXX. hour. I have called and complained and told them this is an office but they always try to keep you on the phone to continue the scam ... and worst of all they are calling a company extension, not an individual. Arrest them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I applied and was approved for a {$1000.00} loan by MoneyLion. As part of this loan, they require that you pay $ XXXX membership fee which you can not cancel until the loan is paid in full. They made {$250.00} available for use and stated that the remainder would be held in a " reserve '' for future use. I contacted Moneylion to access the money in reserve, but they stated that the reserve can ONLY be used to pay off the loan in full - at which point I would be charged interest on the full {$1000.00}. Charging interest on money that wasn't actually borrowed, in addition to the required " membership fees '' is by definition illegal predatory loan practices, and this company must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CO

Complaint narrative:
I engaged Better.com to complete a refinance on my home after doing significant research into mortgage companies online. I was sold on their marketing, and was excited for a new, " better '' mortgage experience. I found the online portal to be fast, easy, and user-friendly, but the results to be far from that. 

They offered me a {$100.00} gift card and never even had leadership call me back despite their obtaining an application under false pretenses. 

After 20+ hours of my own work, paying {$550.00} for an appraisal, letting an appraiser into my home during a pandemic, hard credit checks, and getting all the way to underwriting and title review did they realize the issue, that I was never eligible for the loan based on the agreed upon parameters. 

XXXX, a manager at better.com, confirmed on two separate calls that some sort of " foul play '' took place. I have stopped trying to assume what that was or why ... 


History : XXXX received a call back from XXXX ( confirmed better mortgage ), the representative said they could subordinate my HELOC without buying down the HELOC to get to 80 % CLTV. He said I was pre-approved ( despite my asking multiple times about CLTV ). We went around and around for 19 minutes, and he convinced me to apply. 

XXXX XXXX received an email from XXXX XXXX saying I was pre-approved That afternoon, I spoke with XXXX ( who wouldnt speak to loan terms as he wasnt licensed ). 

I also spoke with XXXX again, XXXX where he confirmed we could subordinate the HELOC Since XXXX, Ive had communication with : XXXX XXXX XXXX XXXX ( never called me back ) XXXX ( last name? ) XXXX ( multiple times ) XXXX ( multiple times ) I was never eligible for the loan based on the agreed upon parameters, and I would need to come up with over $ XXXX due to Better.com 's mistake ( even though we had discussed this exact scenario during the initial calls ). 

I have tried to reach out to leadership via multiple means and have even had a better.com employee refuse to forward emails to leadership. For now, my complaint is apparently going nowhere but the Consumer Fraud Protection Bureau as they haven't gotten back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Healthcare Alliance
State: NY

Complaint narrative:
as of XX/XX/2020 i owed resource recovery as they claim i have disputed it from day one they would not provide me with the documentation i requested, my debt as they claim on XX/XX/2020 was {$810.00}, which was a lot higher than what Resource Recorvery bought the debt for, i have paid {$1000.00} to date and they still have a wage garnishment on me for over {$1200.00} which they refuse to correct this with the courts, my employer has to take that amount out of me in till that amount has been satisficed, so that means i will be paying more than double illegal i believe, and still dispute the amount they claim i owe. i never received any paper work for me to go to court to answer there claim illegal again. they tell me to call them i will not call them they tell me the same lie every time or won't tell me anything at all, how can Resource Recovery LLC, XXXX XXXX XXXX, XXXX, ny XXXX, charge me more than double of a dispute debt legally, they purposely did not send a copy of the court paper work to me so i had no chance to dispute in front of a judge, seeing it was several i had lost my chance dispute this and have it vacated now they got a default judgment, in till after said court date illegal i do believe, all i want is a fair chance i do not owe this amount and can a collection agency charge me interest on a medical debt let alone charge me 150 % interest. Resource Recovery knowingly and illegally did not provide with proper paper work in a fair and timely legal manner.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 ( at XXXX XXXX ), I tried to deposit {$130.00} to my Capital One account. I used a XXXX XXXX XXXX ATM ( ATM # : XXXX at XXXX XXXX XXXX, XXXX TX XXXX ) since there was the option to deposit to my debit card. The ATM counted the money then gave me an error and printed out a receipt that stated " we encountered a problem returning your cash. Please contact your financial institution. '' I called Capital One that day ( XX/XX/XXXX ) and filed a claim. On Wednesday, XX/XX/XXXX I received an email stating that the claim was denied. I called Capital One for more information and was told that XXXX XXXX XXXX was not assisting in the investigation of this issue. I was then told to contact XXXX XXXX XXXX directly. I called XXXX XXXX XXXX and was told that it needed to be Capital One that contacted them to resolve this issue. I called Capital One back and was told that the claim would be escalated and I would hear back from them within 24 hours. I did not hear back from them and called Capital One on XX/XX/XXXX to find out the status of my claim. They again told me that there was nothing they could do and to contact XXXX XXXX XXXX. I spoke to XXXX the supervisor and she told me there was nothing they could do for this claim. I asked if there was a way I could be on the line with them and XXXX XXXX XXXX  to help resolve this. XXXX stated I could conference call XXXX XXXX XXXX while she was on the line. While on hold with XXXX XXXX XXXX, XXXX hung up the other line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc.
State: CA

Complaint narrative:
West Coast Servicing took over our 2nd mortgage last year from about 5 lenders before them. They have file proof of claim as the owner of the loan. However, we have no contract with them and wanted to know if they are a legitimate company. 

They have filed a Notice of Default and continue to charge us interest and fees starting from XXXX. We have filed bankruptcy and is pending confirmation. However, the fees and interests are piling up causing us more stress. 

We wanted to know if they are the owners of the loan, and if so how they acquired the loan last year and what steps did they do to offer refinancing or loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: KY

Complaint narrative:
I checked my credit report to see that Franklin Collection Service XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MS has been adding negative comments of collection to the 3 credit reporting agencies every other day. They know this drives down a credit score. I have never been contacted by this company -- do not owe them any monies and when I attempted to call they stated unless I could provide them with a payment they would not talk to me and hung up the phone. When I search the web, this apparently is their way of doing business as there are hundreds of complaints about this company. I refuse to give this company money just because they have a tactic to drive down my credit scores. I want them to stop this behavior immediately. They should be able to add negative comments just because they can. They are taking advantage of lots of individuals -- I know this is not okay behavior by any company. I am looking to this agency to stop their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
They call multiple timed daily from many different numbers they call my place of business they call my cellphone. They call 8-10 times per day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My name is XXXX XXXX and I noticed a fraudulent charge for XXXX XXXX when reviewing my XX/XX/XXXX Citibank credit card statement. The fraudulent charge on XX/XX/XXXX was in the amount of {$280.00}. The charge was made at a XXXX store in XXXX XXXX XXXX. All of my charges from the month of XX/XX/XXXX were in Massachusetts. I did not travel to New York. I immediately called Citibank and let them know about the fraudulent charge and they stated they would have to investigate. Citi bank stated the merchant stated it was an authorized charge. Citibank is insisting i pay for this fraudulent charge and report me to the credit bureau if I didn't. I am disputing it as i was not in the area and made no such charge.

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received 3 books of checks from " TD Bank '' in my name. I do not have any accounts at TD bank and I have not opened any at this institution. I called to report the fraud and they confirmed that someone opened this account using my Social Security Number, they gave me the information to report this issue to the Federal Trade Commission, that website directed me to the CFPB so I can formally submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I Received a letter from a debt collector claiming I owe a debt to them. Company Name : XXXX XXXX XXXX, XXXX. I disputed this debt with them and ask for Verification of this debt which they haven't provided me as of yet. I informed them that the information on the debt is inaccurate and that I'm not associated with this debt and to. Please Remove From my Credit Reporting. I then got in touch with the Original Creditor. Synchrony Bank in which they informed me in writing that the debt was SOLD to XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
On or around XX/XX/2021, I disputed an account with the credit bureau about Direct Management. The account I disputed was about an overdraft that happened at XXXX XXXX. I have disputed this account 2 or 3 times and every time, they say its verified. I told them that I wasn't aware of the overdraft that took place, but they refuse to do a full investigation for identity theft. The only thing they send is where I had opened a bank account up, but do not investigate the disputed account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I obtained an FHA home loan from XXXX XXXX in XXXX loan # XXXX. Recently, the tax value was assessed to be {$320000.00}, the value due on the home is {$250000.00} which would indicate that more than 20 % of the home loan has been paid off. I called bank of America XX/XX/XXXX and spoke with a home loan specialist to ask if my PMI could be removed. She indicated that she thought that it could be removed, and that she was able to send a request to remove the PMI which was a good sign. She stated that I would receive a letter with the decision to remove PMI within 10 days. After 10 days had passed, with no letter provided, I called and spoke to another home loan specialist who stated that the loans PMI could never be removed for the life of the loan. The loan officer never informed me of this, instead he stated that at 20 % of the loan paid, PMI could be removed, as I would be able to call and request this. I asked to speak with a manager for further explanation, however after speaking with XXXX for over 1 hour, I was given no explanation because XXXX stated that he did not understand the process and could only read me the letter stating that the PMI could not be removed. I waited for over 1 hour to speak with a manager, however no manager was available. My complaints are : 1. I was told by my loan officer and the first home loan specialist that the PMI could be removed. Had I been told by my loan officer that this could not happen, for the life of the loan, I would not have selected this loan. 2. In politely and patiently contacting Bank of America repeatedly for assistance in understanding the PMI, I was told that no one was available to explain the loan.

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 2021-03-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 in XXXX XXXX Texas I walked into a Chase branch and made 3 transactions : 1. A {$5000.00} deposit into my savings account 2. A {$9100.00} deposit into my checking account and 3. A {$5000.00} CD deposit - my first time investing in such a way I set the CD term to be 2 years, and as assured after that time I could decide what to do about it then, so I didn't do anything further. It is now 2  years later and as I'm trying to access that money I've discovered the account was never properly set up - showing it was closed the effectice business day as it was opened but if it was opened and then closed the {$5000.00} never went into my checking or savings, there is no one else with access to my finances who could have done this. I've called customer service about the issue after which they told me to walk into a branch, I walked into a branch and was told to contact customer service again because the " back office '' could only pull up the necessary info to help me, after calling again I was told nothing could be done and as a last resort to walk back into the same XXXX XXXX branch where I purchased the Certificate of Deposit. 

It sounds to me like this is a clerical error and I'm not sure why it's my responsibility to drive hundreds of miles to sort it. I would just like the money that is rightfully mine to be returned to me in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On several occasions on different dates, I have attempted to temporarily lift a properly executed security freeze at Experian. In possession of the PIN used to place the freeze, I entered the requested data on the Security Freeze section of the Experian website. I then received a system-generated reply that my request can not be executed online. Instead, I am instructed to compile a long list of sensitive, personally identifiable information XXXX XXXX XXXX and an address to which this data is to be mailed via the Postal Service. 


When the freeze was initially executed, I completed the request online and was informed that removing freezes were easily done online and would be executed immediately or within an hour of request. Now, trying to temporarily lift the freeze required to complete a personal finance transaction, I am met with a lengthy process requiring the surrender of multiple sources of PII. 


As an additional step and final attempt, I executed the " forgot PIN ' XXXX even though I did possess it ). This required that I successfully answer a series of questions drawn from my Experian data record ( e.g. where various loans were held, towns and addresses lived at, etc ... ). This validation was successful as it returned on the screen the PIN that I used to initially establish the freeze. I was successfully validated within Experian 's online system! It still however will NOT allow me to lift the freeze online! 

Individuals possessing PINs and who can correctly provide the requested validating information on the Experian website should be able to immediately request and receive temporary lifts of security freezes. I should be able to enact personal finance transactions immediately when they are desired rather than having to complete a lengthy process on Experian 's schedule and providing substantial amounts of personally identifiable information ( PII ) when I have been authenticated on the website.

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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Made a purchase with a merchant of Square in the amount of XXXX and a XXXX tip. On the day after, I was notified by my bank that Square withdrew XXXX, {$400.00} transactions out of my account, resulting in XXXX. After going through so many loop holes with Square I was finally able to speak with a rep that provided me with inaccurate information along with rude customer service. The merchant did not receive the funds and the bank has notified me that Square has the funds withheld and is fraud, as I did not authorize.

Company response to consumer: Closed with explanation