vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for and was granted forbearance at the beginning of this horrible pandemic that we all are having to face last year. I applied again after my 12 months was up for an extension of the forbearance and I was pretty sure I was granted another 12 month forbearance clause with my mortgage, recently ( within the past 3 or 4 months ) I have noticed letters from my mortgage lender 5/3 or Fifth Third Bank stating that I currently owe in access of {$20000.00} on my mortgage account. Thats funny was I with the rest of about 75 % of all other homeowners in the forbearance stage in our mortgage accounts. I have always thought after the forbearance is over I would have the option to add those missed monthly payments on to the end of my mortgage loan as added months ( extended my loan basically?? )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
on XX/XX/XXXX I sent communication to XXXXXXXX XXXX XXXXXXXX requesting federal tax form 1099 OID to cover the eligible issues ( product of statues ) for vehicle financing XXXX XXXX XXXX vin # XXXX. the company has not responded as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: CA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021 via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WorldRemit Corp.
State: AR

Complaint narrative:
On XX/XX/2021 at XXXX central standard time I received a text message from phone # XXXX that said, exactly, We? ve had a request to change your WorldRemit account details, if it wasn? t you, contact us immediately so we can block the changes and keep you safe, than on the same date at XXXX central standard time from phone # XXXX I received a text message saying, Great news from WorldRemit. Your recipient has received XXXX ) reference number XXXX ). Thank you! Than on the same date at XXXX central standard time I received a text message from phone # XXXX, saying, Great news from WorldRemit. Your has received your transfer.. I did not open this text message to read rest of the message. 
I have never done any business, transfers, anything with WorldRemit, I go on line to check my checking account linked to my debit card and discovered 2 pending transactions both the same exact amount of {$90.00} each listed exactly as WorldRemit XXXX CO XXXX Y, then another one in the amount of XXXX listed exactly WorldRemit XXXX Co XXXX Y at which time I contacted my banks 800 number at XXXX central standard time on XX/XX/2021 to report the unauthorized charges in which the lady who I spoke to immediately canceled my debit card advising me to go to my nearest bank branch location when they open, Im unable to determine if they are open today XX/XX/2021 with the information provided for several branches stating they open at XXXX XXXX  but specifically stating, XXXX XXXX may effect these hours, I will call at least 3 branches after XXXX to check on weather or not they are open, if not I will be at my local branch Tuesday, XX/XX/2021 to fill out fraud paperwork as was advised with the lady I spoke to XX/XX/2021 on the 800 # on the back of my debit card. 
On XX/XX/2021 I received another text message at XXXX central standard time from phone # XXXX saying, XXXX XXXX your WorlRsmit transaction XXXX is pending due to the limits or your recipients mobile wallet. Kindly check your email for details. I have not received any emails in reference to anything remotely close to this WorldRemit not even in my spam/junk email. 
I have filled similar 2 separate reports with the XXXX XXXX XXXX Scam recovery spam tracker forms, the 1st report was for the 3 separate text messages within XXXX minutes of each other and the other report from the test I received on XX/XX/2021 at XXXX XXXX  central standard time. I took screenshots of everything for evidence for anyone who needs them obviously for only those are legitimate companies that combat these type fraudulent activities and my bank institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My Name Is XXXX XXXX XXXX XXXX. I am a XXXX-year-old XXXX XXXX Male. I am a veteran. i am XXXX XXXX XXXX. I work full time. I am a XXXX for the XXXX department for 6th largest XXXX XXXX in the Country. My address is XXXX XXXX XXXX. XXXX XXXX XXXX. The property is in XXXX XXXX. My Mr. Cooper Mortgage account # is XXXX.My Loan Application # is XXXX On XX/XX/2021 I was offered a VA re finance Loan by Mr. Cooper Mortgage . This is a special program offered to veterans to lower their interest rate. Mr. Cooper currently hold the loan on my house. Ms. XXXX XXXX ( XXXX ) is the loan Manager and Ms. XXXX XXXX ( XXXX XXXX ) in the loan processor. Ms. XXXX sent me a disclosure offering me a 2.3 % interest rate lowering my monthly payment by {$400.00}. XXXX per month on are about XX/XX/2021. I docu signed for processing. The underwriter Inspiring Closing, Ms. XXXX XXXX, then started their process. Due to XXXX treatment and XXXX XXXX, I added my minor daughter 's name to my Deed as survivor in residence. I received a request From Ms. XXXX to send over my daughter 's birth certificate, I am her biological father listed on her birth certificate and I was told to get a Guardian ship court order. I had my minor daughter 's name removed from the deed. 
I was also told to get flood insurance, which the FEMA flood maps show that my House is not in a flood zone. My existing mortgage did not require flood insurance the mortgage is with this same company. There was no prior request to get flood insurance My loan was declined. I have not received a reason for the decline. This is discrimination because I am of XXXX color. I meet all the requirements to qualify for this VA refinancing. 80 % of people of XXXX color are discriminated against by Mortgage lending institutions. Because of this institutionalized discrimination only 42 % of the XXXX skin and XXXX population in America are homeowners. 75 % of the white population own property. Therefore, people of color are denied home ownership despite their service to this country, and hardworking taxpayer which I have worked 48 years, I am being denied equality just because I am of brown skin. Iam seeking equal justice, and opportunity for the refinancing under the law. I believe Mr. Cooper mortgage is in violation of my rights to be treated equal as a citizen and taxpayer. If I were white, I would not be held to this scrutiny. My question is are all applicants held to this standard of treatment? Are XXXX Americans held to this standard when seeking to reduce their interest rate with there existing mortgage company? I will continue to pursue this matter with other agencies as I am trying to prepare for my retirement because of my age and medical condition. This re finance is necessary. 
Other contacts for Mr. Cooper Mortgage : XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I opened an account in Bank of America in XXXX, and I deposited XXXX dollars in it. Because of the epidemic, I have not used this money.I didnt make any transactionbut someone transferred my money away on XXXX XXXX The bank did not notify me. I found this problem on XX/XX/XXXX, so I contacted customer service, but The customer service only gave me the transaction record and gave me the phone number, but the phone couldn't get through. When I called, the ring rang and it was disconnected. I tried to find the customer service many times. I was helpless. Now I have no job, no income

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 2021-09-06 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
There is a collection listed which does not belong to me. I never received a notification or have ever been contacted by this company. I only know about it because I had my credit pulled. Please help me The account shows as Avante # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have never been notified of this debt nor is this mine, I have disputed several times with nothing received back. Please help Phoenix Financial # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB Card or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have never received anything about this debt nor do I owe this. I have disputed several times and received nothing back. Please help Radius Global Solution # 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 2021-09-06 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: MI

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
I searched for a discover card through the prequalify tool on their website ( XX/XX/XXXX ). I was offered the cash back card but when I finished applying it says the reason I was denied was due to status of prior/existing account. Across all 3 credit bureaus my previous account with Discover has a XXXX balance and is current. When I called the Application department to rectify the issue on ( XX/XX/XXXX ) after applying I was told to call the verification department. I called the verification department ( XXXX ) on ( XX/XX/XXXX ) and was not given any information to remove this previous status. The reason my account was revoked was due to a verification issue with a glitch in the form 4068-T. I filled the form out on XXXX XXXX XXXX but Discover never received it. When I called to pay the rest of my old discover card off I was told once it is settled and paid I would be able to open a new account. That does not seem to be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Vehicle Loan with Santander Consumer was removed from credit report on XX/XX/XXXX after being repossessed and sold. The company had a lawsuit in which my loan qualified for removal in Florida for high interest rates above 26percent. After removal in XXXX of XXXX the loan reappeared on my credit report as a charge off and owing {$9200.00}. I have attempted to communicate with Santander on XX/XX/XXXX and XX/XX/XXXX about the lawsuit and about a payoff which was offered of XXXX dollars. The companies representative advised that the payoff was no longer an option and I would have to pay the entire XXXX in which the loan balance for the account is only XXXX XXXX, the representative advised that after repossession they have added additional interest fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: MN

Complaint narrative:
My name is XXXX XXXX and I was a victim of identity theft and since XXXX someone has been using my social security number to open up accounts I told Experian, XXXX  and XXXX  about this but they still choose to report false accounts my credit file Experian is the Ring leader of bad information XXXX XXXX XXXX was open by someone else XXXX  my account and it has been closed with I only used the XXXX  XXXX for direct deposit that's it and that's all XXXX  was not my bank just a direct deposit services XXXX  has my birthday wrong ... And when I was sick with XXXX XXXX XXXX was when XXXX closed my direct deposit account my information on these credit platforms are totally false and they refuse to take the bogus info off my file I'm XXXX  XXXX survivor and Experian and XXXX XXXX false 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 non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
For several years, I have used Western Union ( WU ) to primarily provide regular financial assistance to my relatives in XXXX, and particularly, to my younger brother XXXX. 

In XXXX of this year, XXXX was diagnosed with a medical condition that required an urgent XXXX  XXXX. All payments were to be made directly to the clinic. 
- On XXXX I sent a transfer in the amount of {$1100.00}. The transfer was approved after someone from WU confirmed the transaction with me. 

- After that, I continued sending smaller amounts for XXXX after care needs using various care takers : 1 ) XX/XX/ ( {$200.00} ) 2 ) XXXX ( {$150.00} ) 3 ) XXXX  ( {$100.00} ) 4 ) XX/XX/ XXXX - ( {$100.00} ) Around XX/XX/21, XXXX XXXX got infected and required urgent attention. XXXX was to immediately return to the clinic. Unlike America, patients in XXXX will not receive any urgent care without paying the dues first. On XXXX, I filled a wire transfer in the requested amount of {$300.00} payable to the clinic same as I did on XXXX. This time around, an untrained, rude and insensitive WU representative, told me, after confirming the transaction with me, that it was declined due to fraud suspicion. 

I work in the financial industry as a risk manager, and part of my work includes assessing fraud risk. A suspicious transaction should be rightfully denied, if the account holder knows nothing about it and authorizes the transaction to be cancelled. However, once the transaction in question is validated by the account holder who has been thoroughly authenticated, there shouldnt be any reason to deny the transaction. If a financial institution still has any suspicion, it should fill out a Suspicious Activity Report ( SAR ) and send it to the feds, instead of inconveniencing a customer and causing irreparable damages. Additionally, I own several accounts with several financial institutions and have never been denied a transaction, after its validity has been verified and confirmed with me. 

The manner in which an untrained, incompetent and irresponsible WU representative questioned me, especially that I had already transacted a similar transaction on XX/XX/, and declined the transaction on XXXX, even after I was fully authenticated, validated the authenticity of the transaction and made several attempts to stress the urgency of the wire, caused a delay in treating my brother XXXX who succumbed of his XXXX and XXXX on XXXX 

Western Unions irresponsible, and incompetent handling of fraud risk has caused irreparable damages to my family. My brother XXXX, to whom I sent money via WU for several years, couldnt get his last medical treatment because of WU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
On XX/XX/ I received a notification alert from my credit report that an item was placed for collections in the amount of XXXXdollars. The company listed is XXXX XXXX XXXX XXXX. I have not obtain any services via emergency room or urgent care. This company does not provide any contact information for reference. I have not received any mail notifications in regards to this collection before being placed on my consumer report nor have I received any information after it has been listed. I do not have any account information. I have attempted to dispute this account with the consumer agencies but all claim the information was verified, yet I have not been provided any information on how to reach this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!! 
I would like them to take this off my credit report and do not try to put it back on my credit report.

Company response to consumer: Closed with explanation