vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-25 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: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Approx XX/XX/2021 my ONLY mortgage from TIAA Bank was transferred to XXXX XXXX XXXX. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called TIAA to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
XXXX  details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by XXXX. ... ..

Well obviously so! My credit score has dropped by 20 points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points.

Credit bureau tips always suggest not to close accounts. More importantly the TIAA rep ****NEVER ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO TIAA PAPERWORK NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, TIAA and XXXX  have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. Ty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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 with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
From XX/XX/XXXX until currently I pay no property taxes in Illinois since I am a 20 year retired veteran and 100 % XXXX and have an exemption from IL. I used to pay {$1700.00} until XX/XX/XXXX when XXXX XXXX mortgage started charging me {$1900.00} a month. I was told the increase of {$200.00} was for property taxes in an escrow account they just initiated in XX/XX/XXXX. I have called so many agents at XXXX XXXX XXXX and no one can remedy this problem. This is causing my husband and I great stress as we are both XXXX military veterans.

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 2021-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 submitted a requested to compare auto loan rates on Lending Tree with the promise it would not effect my credit or credit score. After this I received email alerts showing a hard pull on my credit from XXXX of XXXX. I also received calls and emails from said dealership. I contacted XXXX of XXXX and asked why they ran my credit. They told me Lending Tree provided the permission to run my credit and that multiple dealerships have been given permission as well. I called Lending Tree, they said they could do this even though their website promised not to. They stated that the information was in the fine print at the bottom of the " submit '' page. What both of these companies did was immoral and illegal, I gave no one express permission to run hard inquiry on my credit. Lending Tree 's website is extremely misleading and untruthful. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: NH

Complaint narrative:
I have been trying to get a collection removed from my credit going on four years now! Equifax and XXXX  refuse to remove it even though I sent proof of XXXX  XXXX  inconsistencies as I again will copy what is reported and what they receive not only that is is past the NH Statute of limitations for which is 3 years! The account was closed in 2016 which is 5 years as of this year! Equifax and XXXX  day they removed the XXXX XXXX account yet that is the account XXXX says is what I owe I have sent proof they they have said it was removed but yet it is still there!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I placed an order in XXXX for extensions from XXXX XXXX. The item was damaged upon arrival I notify the company, they provided the shipping address. And I send the item back on XX/XX/220. I provided a receipt ( reg # XXXX ) to the bank on three occasions asking when will my refund be processed. And to date, I have not received my refund. My claim number for the case I open is # XXXX, I'm not really sure I'm comfortable making purchases using New York Community Bank if, my purchases are not protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax team, I am a victim of identity theft Please remove and block the fraudulent account XXXX/XXXX  XXXX per section XXXX of the FCRA. Dispute confirmation number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
The alleged bankruptcy listed on my public record report is listed with no information the specifies that this bankruptcy belongs to me. Furthermore, the bankruptcy court of Pennsylvania has confirmed they do not share personal information with Any reporting agency. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens MO 281 SW 715, 719. I presume no proof of the alleged bankruptcy, therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I asked Coinbase by email on XX/XX/2021, with whom I had attempted to setup an account on XX/XX/2021, that, " At this point I wish to close my coinbase account ( if it was ever considered open ) and ask that coinbase delete all my personal information it has, including but not limited to all information I provided to coinbase to establish my account. Can you please complete that for me? '' As of XX/XX/2021 Coinbase has still not replied to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
Received numerous cell phone calls to XXXX relative to a debt? Caller, XXXX # XXXX from Commenity Bank. XXXX refused to answer questions relative to debt and continues to harrass my wife. Also refused to give information about alleged debt and refused to give me an address to deal with this. I also taped the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
This complaint is in regards to Binance US. They are a cryptocurrency  exchange. They were supposed to require you to register your personal information to use their exchange. They allowed all of their customers to buy and sell cryptocurrency without being verified, until recently. They are now requiring you to be verified to sell any of your holdings, even though they allowed you to buy them without being verified. When you attempt to verify your account, it takes several weeks to be verified. A lot of people are in the same position.. They let customers put money in, but are refusing to let them take money out at their convenience. There's no good reason it should take weeks to verify your account. They have next to 0 customer support and there's nobody to contact to get your account verified quicker. It's irresponsible and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Imperial Recovery Consultants, LLC
State: TX

Complaint narrative:
IRC Service ( Imperical Recovery Consulting Services ) has repeatedly called about the same payday loan that I am alleged to owe dating back to XXXX in the amount of {$630.00}. I informed at least three of their consultants, most recently on or about Friday XX/XX/XXXX a male voice identifying himself as Mr. XXXX XXXX, that ( 1 ) it is not my loan and ( 2 ) to stop calling ( cease communicating ) with me because it is not my debt and I am not going to pay any amount to settle it. 

I looked up the company XXXX reference when asked what does IRC Service stand for ( the full legal name ). I am writing at IRC Service [ aka Imperical Recovery Consulting Services ] at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  TX XXXX and demanding IRC Service cease communicating with me pursuant to 15 USC 1692 ( c ) which is reproduced below.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My XXXX  has applied my monthly payment to principal only meaning I had to pay twice for one month. They have locked me out of my account online. I have no way to access my account of see if my payments are being applied correctly. I have spoken to ten people, been on hold for a minimum 15 hours, emailed someone at corporate. After a month I am able to access my account but then I can't see my account again. Can't pay online, don't have paper statements, etc. I call in and explain my situation then put on hold and transferred to a XXXX hole and wait an hour on hold then someone picks up and asks me why I am calling only to start the process over again. So incredibly frustrating. I literally have no access to my mortgage or able to pay or know how my payments are being applied without constantly calling in and verifying information, making double payments, etc. They tell me someone will contact me and won't give me a name, email or number for a contact. They call one time and it comes in as spam on my phone and goes directly to voicemail and their message is just to call the XXXX number so I start the process over again. Super frustrating. How are they allowed to operate a financial company?

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 2021-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2020 I called Synchrony bank to close a HYSA. They lied and told me they closed the account and even sent an email confirming it was closed the following month I received a new bank statement available e-mail. I called immediately questioning why I was receiving this if the account is supposed to be closed. I called them on two separate occasions for a representative to lie to me and say the account was closed. Fast forward to today, same email again Ive been getting them every month. So I took upon myself to try logging in to their online banking and the XXXX  account is still open! I called customer service again today and asked for a supervisor regarding the issue. I was placed on hold for over an hour then they disconnected the call!! Im livid I want the account close. Im a victim of identity theft and the fact that there is an open bank account unknowningly to me all this time is so stressful.

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 2021-04-25 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: FL

Complaint narrative:
I received a copy of my credit report and I have multiple fraudulent activities which is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and I have multiple fraudulent activities which is stopping me from obtaining 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 non-monetary relief
Consumer complaint received 2021-04-25 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: LoanCare, LLC
State: NY

Complaint narrative:
Approx XX/XX/2021 my ONLY mortgage from XXXX XXXX was transferred to Loancare , LLC. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called XXXX to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
XXXX details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by 1. ... .. 

Well obviously so! My credit score has dropped by XXXX points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points. 

Credit bureau tips always suggest not to close accounts. More importantly the XXXX XXXX XXXX ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO XXXX XXXX NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, XXXX and Loancare have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. 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 2021-04-25 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: NY

Complaint narrative:
Approx XX/XX/2021 my ONLY mortgage from XXXX XXXX  was transferred to XXXX XXXX XXXX. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called XXXX to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
Experians details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by XXXX. ... .. 

Well obviously so! My credit score has dropped by XXXX points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points. 

Credit bureau tips always suggest not to close accounts. More importantly the XXXX XXXX XXXX ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO XXXX XXXX NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, XXXX and XXXX have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. Ty.

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 2021-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I have my checking and saving account with another bank. Nationstar dba Mr. Cooper was sold my mortgage and has been my mortgage provider for about a year or so. I do not do automatic mortgage payments but pay the mortgage with Mr. Cooper 's app. 

On the morning of XX/XX/21 at XXXX XXXX, Mr. Cooper made four unauthorized electronic mortgage withdrawals from my checking account XXXX {$640.00} each withdrawal totaling {$2500.00} XXXX. This wiped out my checking account and caused my savings to automatically deposit the needed funds into checking. 

I called Mr. Cooper 's customer service line as soon as their " office '' was open at XXXX XXXX XXXX ( XXXX XXXX XXXX  ) no less than four times. Each time I was put on hold without speaking to a live person and that my wait time would be longer than ten minutes. However, one minute after that message I was told by their system that they were experiencing higher than usual call demand and to call back another time, then it hung up. This happened each time I called. 

I went to my bank branch and spent the morning with their customer service department, who was overwhelmed with the fallout of Mr. Cooper 's issue, and filed a complaint/dispute with my bank. My funds were reimbursed later in the afternoon but I wanted your office to be aware of the unauthorized access of consumer accounts by Mr. Cooper. 

Mr. Cooper said it was a problem with their processing vendor. Regardless, I and other consumers had money taken out of our accounts ( one article from another state said one person had seveXXXX withdrawals totaling {$10000.00} XXXX without authorization. 

The scary part in the morning was not knowing if these unauthorized withdrawals by Mr. Cooper would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account or lease a property with your company or the company you represent. I did not open or authorize this account or lease, and I therefore request that it be closed immediately. I also request that Sentry Credit Inc. absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation