vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
We went binding with sellers on a home XX/XX/XXXX. It is now XX/XX/XXXX and this loan has not closed. An error was made by the loan agent after 2 months of us being told there was an issue with a USDA backlog, when in fact the loan agent made an error that was the cause for the delay and told no one until I uncovered it in early XXXX, 3 months later! They were forced to admit it only after a call was made to an agent with USDA where it was discovered that my name had never appeared in the USDA process system. My employment verification does not appear on my Employment Database Report until XX/XX/XXXX, when the error was discovered, and the file is just now in underwriting. Again, it is XX/XX/XXXX, after 3 months and 3 changed closing dates. Due to trust issues, and now more document requests daily that should have been requested and settled back in XXXX, the seller is now talking moving on to put the house back on market by the end of this week, XX/XX/XXXX. On the first closing date, the seller took a vacation day to travel from out of state. The loan agent waited until the day of closing to notify all parties of status, and even then they had to be asked. The loan agent keeps telling us to hang in there, but that is beyond unprofessional. No allowances have been given to rectify this situation. Their manager simply gave the brush-off when questioned. It is ridiculous. We are living in week-to-week rentals after selling our RV when we were told we would close on XX/XX/XXXX. We are now homeless and are spending exorbitant amounts of our savings for a place to live. We will probably lose this home due to their negligence, lack of communication, and lack of ability to properly process mortgage loans. NEVER use Cross Country Mortgage ANYWHERE as this is not the first and only bad experience that I had with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CIG FINANCIAL LLC
State: FL

Complaint narrative:
XXXX Inquiry From XX/XX/XXXX ( Miscellaneous Reptg. Agencies ) XXXX XXXX Inquiry From XX/XX/XXXX XXXX Personal Loans Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Auto Financing ) Twice this one is reporting on my credit. 

XXXXXXXX XXXX XXXX  Inquiry From XX/XX/XXXX ( Automobile Dealers ) XXXX Inquiry from XX/XX/XXXX ( National Credit Card Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Automobile Dealers ) XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS is claiming that I owe them {$1700.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I paid XXXX to dispute the hard inquiries attached to my credit profile because it was incorrect. They stalled me out an then closed my case after I was billed, then they tried to bill me for something totally different an more expensive than my previous amount, which is wrong for a person like myself who was impacted hard by Covid-19. Me and my daughter were victims an quarantined for over a month before we regained our previous lifes back. I took it upon myself to contact XXXX for the same reasons an with there help they removed all the negative inquiries due to my complaint of inaccurate pulls of my credit an my Name was also apart of the Data breach that happened as well so they gave me full attention an complete transparency about fixing the problem because I was wronged.

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 2021-03-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Ive provided more than enough on my other applications this has been on my credit for a while and I need them taken off.

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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I had wrote a check to a check cash place and I told the lady I want to make payments on the check I only got XXXX I made one XXXX payment then she tell me she change it to a installment loan that shot up to XXXX and some after I had pay XXXX and only got XXXX so I said no I'm not paying that when I only got XXXX we had a court case last year in XXXX then I put a stop payment and block on that check.then XX/XX/XXXX I had XXXX in my account i got XXXX out atm and it said I only had XXXX so I go in said and ask were my XXXX dollars ok now from XX/XX/XXXX when I wrong the check til XX/XX/XXXX a year later here come that same check pending the woman in didn't help me so I call the main bank in she said it just got there she see were that check had shipment on it so she said I'm stopping it right now and putting stop payment again for free then on Monday the XX/XX/XXXX that same check show up again and XXXX gone all over I go back to the bank and I said how a year old check that was block keep getting in my account over a year old and to blocks the last block was the XXXX a Friday the the XXXX which was that Monday a again so the manger got mad cause I told I don't understand what she was trying tell about my XXXX give what money I had still in the accout and your accout is now close now get out before I call police you don't no longer have a accout here.so I had XXXX she give me on the XXXX never got my XXXX or no understanding close on the XXXX XXXX in it then no on the XX/XX/XXXX I'm XXXX how when you close it on the first now check this out my XXXX check came to the close accout on the XXXX they let it come then got XXXX out of it and tell go get all of it from the drive threw don't go in.now a close account on the XXXX XXXX accout close then XXXX overdraft on the XXXX with a close account.how you got my XXXX check that should have gone back cause the accout was close they told me and I should have got my hold XXXX in the mail not missing XXXX I look online in what they did was they insurance I had for XXXX let it come in and out that close account 4 times and charger me XXXX for that with a close accout.help me get my money and then some cause I feel I was did wrong to stop payment and over a year old check then kick out then XXXX overdraft when accout was close on the XXXX they said. All cause the manger got mad cause I didn't understand and she new I was in the right so she could not explain it to me were it should good to me she got mad. Help me please

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 2021-03-18 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: Premium Credit Bureau
State: FL

Complaint narrative:
Ive provided more than enough on my other applications this has been on my credit for a while and I need them taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive provided more than enough on my other applications this has been on my credit for a while and I need them taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2021 the third stimulus check was deposited in to my jp Morgan chase account. I was then credited XXXX dollars from my overdraft account and was given the full XXXX dollars. XX/XX/XXXX jp Morgan chase account is now over drafted XXXX dollars and the record of the stimulus check is gone from my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMA Credit Association
State: TX

Complaint narrative:
RMA CREDIT is claiming that I owe them {$51.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-03-18 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
State: FL

Complaint narrative:
My Venmo account was compromised as well as my email. On Sunday, XX/XX/XXXX my account was frozen and I saw an email exchange from someone trying to actively unfreeze my account. I changed all passwords and logged it out of their device. I noticed on Thursday, XX/XX/XXXX that the person who has accessed my account was attempting to change my information. I started to chat with Venmo support and they are refusing to deactivate my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
USbank mailed me a letter on the XXXX XXXX to inform me about closing my account. In the letter, it was stated they had mail me a cashier check for whatever balance in my account within 15 business days after my account is closed. On the XXXX XXXX, they confirmed that my account is closed after I called customer service for balance, up till now, I have not received the cashier check as promised for balance left in my 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 2021-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EASTERN BANKSHARES INC
State: RI

Complaint narrative:
This is less about aggressive tactics and more about repeatedly ignoring our calls to try and pay off the debt while continuing to add interest to the amount owed. My partner and I have been trying to reach Eastern Bank 's debt collection department since XX/XX/2020 so that we can pay off our debt with them. We have been put on hold for over an hour, transferred around to different departments ( apparently none of them the correct department ), and eventually we just get hung up on. We've tried emailing, also no dice. We've never experienced such an uphill battle to try and pay a bill. But then we noticed that month after month Eastern bank is adding interest in what seems like an attempt to restart the clock on the 7.5 year time limit for leaving the debt on our credit reports. All we want is ( 1 ) an actual means of communicating with this company that holds our debt, ( 2 ) an accessible means of paying off said debt, and ( 3 ) we don't believe we should be responsible for the interest that's been accruing while Eastern Bank refuses to answer our calls/ acknowledge our attempts to pay our debt.

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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood will not release my funds. I have sold all my stocks being that we were in a pandemic I am low and cash and that was my last option. Robinhood refuses to let me transfer my {$6400.00}. I have sent all documentation driver license front back social security a selfie and still nothing. I cant close the account because they wont let me transfer my funds to {$0.00}. Please help. Do not use Robinhood. I have bills to pay as we all and this is just not right. I did not sell my stock just for it to be held and stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: OH

Complaint narrative:
I was on phone with them for hours on call wait to unlock my account they have messed up my payment hella times an even found that they did I go to fix it an get locked out then they just close my account then give me my moneyed own an no text no email nothing saying other closed like the XXXX worst bank ever

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 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TransferWise Ltd

Complaint narrative:
I HAVE A TRANSFERWISE ACCOUNT ... WEEKS AGO I PLAY ON A CASINO ONLINE BUT THEY MAKE 2 DEBITS THAT I DONT AUTHORIZATE, I REPORT TRABSFERWISE AND THEY MAKE THE REFUND BECAUSE THEY KNOW CASINO WAS TAKING ME MONEY AND I DIDNT KNOW THAT THEY WERE DUPLICATING THE DEBITS. AFTER THAT I TOLD TRANSFERWISE TO BLOCK THE CASINO BECAUSE THEY WERE STILL MAKING THE SAME. BUT TRANSFERWISE NOT BLOCK THEM SO, 2 DAYS AFTER THE CASINO MAKE ANOTHER DEBIT. I ASK TO TRANSFERWISE WHY THEY ALLOW CASINO STILL TOKE MONEY FROM ME WITHOUT I KNEW ... TRANSFERWISE SHUTDOWN MY ACCOUNT THAT IS PERSONAL AND PROFESSIONAL WITH MONEY AVAIBLE AND I NEED MY ACCOUNT ... I NEED MY MONEY ... AND I WANT THE REFUND OF THE XXXX THAT CASINO STOLE FOR ME FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Collection Agency : Scott & Associates PC ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX XXXX. 
File Number XXXX My social security, driver 's license, and resident card was stolen. I noticed this credit account was reported on my credit. I am not very good with computers and started researching what to do. 
I reported my identity stolen to the police department, sent a letter to the collection agency informing of my identity being stolen, I also sent them the police report along with the FTC Identity Theft Report that I filed. 
I also asked the collection agency to send me a validation of the debt. They were not able to provide proof of a signed agreement. This is not my debt. 
I am hitting a point to where I am not sure who can help me. I already reported it to the authorities, and have asked for this agency to close this and remove it from my credit. I am listing below the certified mail tracking numbers, and also attaching the documents I have sent to them. 
Thank you for any help. 
Letter 1 : Sent on XXXX, received on XX/XX/2021. 
Letter 2 : Sent on XX/XX/2021, received on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
XXXX XXXX made a {$1000.00} payment to Southeast Toyota Finance on XX/XX/XXXX. This payment was reported back to me via email as successful. My normal payment at that time was around {$350.00} Upon learning that my credit report had been severely impacted on XX/XX/XXXX I contacted Southeast Toyota Financing only to learn that my payment of {$1000.00} had been " reversed '' on XX/XX/XXXX. ; SETF could not supply a reason as to why the reversal occurred and my bank knew nothing about the payment. I was not contacted about this reversal in any way. In fact, on XX/XX/XXXX I received and email with a confirmation Number ( Confirmation Number : XXXX ) for the {$1000.00} payment. 
There was never any mention of reversal after that point. 
Instead of contacting me as they had already done with the confirmation number and an email on XX/XX/XXXX that my account needed attention, they simply reported a thirty day delinquency on my account for XXXX XXXX and then another 30 days late for XXXX.. My credit report shows 60 days late now and my credit score dropped from XXXX down to XXXX. 
Southeast Toyota Finance appears to lack the sophistication or technological staffing to notify customers about serious matters such as payment reversals. It should also be noted that I have never been late paying them, or anyone else in over 10 years.

Company response to consumer: Closed with explanation