vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXXXXXX XXXX XXXX XXXX XXXX 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 2021-04-08 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX,XX/XX/XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I have tried to open a checking account with Schwab on XX/XX/XXXX. However, they still haven't approved the account. They said there is a delay in processing new accounts. But the company do little to fix the issues. Iv talked to them many times, with little help to get my account opened. It's been more than 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Initiated a bank transfer from XXXX to Coinbase. XXXX sent a fraud warning. I locked my account and froze transfer per XXXX direction. Re transferred money 4 hours later when fraud scare was cleared. Money landed in my Coinbase account. Coinbase allows trading prior to full account transfer. I purchased {$1300.00} XXXX coin. On XX/XX/XXXXmy position in XXXX was liquidated by Coinbase and money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/2021, I went to use my debit card at the store and it didn't work I thought it was the chip on the card that was broken, so I went on the app to check the account to see about the funds on my account and I couldn't access the account they had closed my account without telling me. I called them up at that time, and they told me that I should get the notice of the closing of the account in a couple of days, now I have money in that account and a deposit that goes in every week from work. I have bills that I need to pay and now I have to wait 2 week for them to send me a check and I can't even access my statements to know what has been declined because I don't have that account anymore, and my paycheck I don't know how im going to get that money and have to wait for me to get an account somewhere else so I can have it deposited.. please help me I have bills to pay and need gas to work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
My Account is in Active Forbearance due to COVID-19. I am scheduled to come out of forbearance in XX/XX/2021 but Flagstar is continue to report that I owe property taxes. I am a 100 % XXXX Veteran and do not have to pay property taxes. I want to make sure that when I go back to making payments, that they adjust how much I really owe because if not, then it is going to cause a lot of problems.

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: SC

Complaint narrative:
We consulted with Pulte Mortgage for a rate. Pulte offered us a rate lock of 2.875 % with 1 % in points on XX/XX/21. We agreed to this, until we shopped around and received an offer of 2.75 % with XX/XX/XXXXpoints from a competitor on XX/XX/21. Upon receiving that better offer we sent the competitors Loan Estimate to Pulte Mortgage in which they responded they would do a rate lock of 2.75 % with 1.5 % in points because they give us {$7500.00} off purchase price. After pointing out that even with giving us the {$7500.00} they still did not beat the competitor we received an email with a new Loan Estimate from Pulte Mortgage on XX/XX/21. In this new Loan Estimate Pulte Mortgage gave us what we were asking for and believe was fair, a rate lock of 2.75 % with XX/XX/XXXX points. We signed this Loan Estimate with that rate lock and sent it in. A couple days later on XX/XX/21 we received a phone call saying that there was a computer error and they refused to honor the legal document they sent out and we signed. We could not talk that night and so we finally talked the next day on XX/XX/21. That day they stated that they were not only going to not honor what we signed anymore, but they were going to terminate our loan paperwork that we had sent in already and start completely new. We said no we did not want them to do that and requested to speak to his boss. The next day on XX/XX/21 we went to sign into our mortgage website with them and all of our documents were completely deleted and wiped out of the system. The boss of our mortgage lender then called us that day and confirmed they were refusing to make good on the deal they had sent out and we had signed already. She stated they would only offer a deal that still had us paying for points, which not only was not the Loan Estimate that we signed and sent in, but it was not even beating the competitor anymore. We feel that this was unjust and purposefully deceptive. We believe they deliberately underestimated the terms of the Loan Estimate to have us finally sign the paperwork, as we had never signed previous to the 2.75 % with XXXX points. We feel they mislead us by a bait and switch tactic in claiming there was a computer error that they refused to honor after we signed. You can see the 2.75 % with XXXX points listed on multiple documents that we signed as attached and then the phone recordings we have once they refused to honor it.

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 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
my Bankruptcy Chapter XXXX case # XXXX was XXXX as of XX/XX/2021 but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX keeps created small claim /debt claim case citations and calling me. My newest case is XXXX at XXXX XXXX XX/XX/XXXX in XXXX XXXX, Texas. 

The lawyer on the last page is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX 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 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
In my CFPB No. : XXXX complaint about Ally Bank payment services I reported that the limit Ally Bank advertises to consumers for person to person payments using a service called XXXX is factually false. 

As part of my report I requested the following " I would appreciate that Ally Bank provides an explanation how it arrived to the figure of {$2300.00} for the payment limits for XX/XX/2021 and how that calculation corresponds to the advertisements of the service made to consumers. '' According to the description of the service published on Ally 's website my limit for payments using XXXX service should be {$5000.00}. 

Ally 's bank in its response to my complaint stated that " pending XXXX payments count toward the maximum outstanding limit, even if the payment was arranged on a different day. For clarity purposes, any pending XXXX payments will count towards your daily and monthly outstanding limits. '' In its advertisement of the XXXX payment services Ally Bank failed to disclose to consumers that ANY pending payments, even if they are arranged to be sent on one day, count towards the daily limit for payments to be sent on a completely different day. Such description of the service is not in accord with a commonly used definition of the concept of daily limit since daily limit implies payments to be sent on one day.

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 2021-04-08 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: Optima Recovery Services LLC.
State: TN

Complaint narrative:
After viewing my credit report, I found Medical Collection accounts which should not be in there. According to the HIPAA 1996 law section 1681b ( g ) ( 4 ) They are not allowed to disclose such information to any other person, this is clearly a violation to my privacy. My consumer rights has been violated under the HIPAA laws. I did not give permission to release any of my medical information.

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 2021-04-08 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: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
My card ( Current ) was used fraudulent on many many different online charges.. I have contacted my bank on sever occasions and was not able to make a dispute because I did not at time have access to my online portal. I have since regained access and filed dispute they asked me several questions all of which I answered truthfully and correct. They have since denied my dispute saying that because card is in my possession they are not refunding my dispute. I have tried to contact them again thru messages emails and chat and always told same .. once they finish dispute all is final. There response was that because card is still in my possession that no error occurred. They was all online purchases thought. Please help. 
List below are fraudulent charges that was used on my account all are online purchases XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Nelnet, Inc.
State: CA

Complaint narrative:
When we got the loan they added a lien for the full amount. We refinanced a few months ago and they were paid in full. As a matter of fact they were overpaid by XXXX thru the Escrow comoany. I have been calling them and calling them to send me a refund and they keep giving me excuses as to why they will not refund my credit balance. Even after they sent me a statement showing paid they still will not issue my refund. I have spoken to managers and keep getting the run around and still no refund has been issued. It has been over 2 months since we closed and they were paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
My account got limited and restricted. No big deal right? Just had to leave my money in that account for 6months.. 6months Later I get an email that I can withdraw the money, go and try to but I get an error. So I call PayPal and they tell me to wait 24hrs and try again. Then I wait and try again but it still doesnt work. I call again and they tell me to wait 48hrs, waited still got an error. Call again and they said 72 hours .... I waited still getting an error. Then they kept repeating this process for like a month and then I got fed up and they couldnt help me. So I tried searching on the internet for some answers and this happened to multiple people. XXXX This is my first PayPal and Ive never had any of my bank info or anything linked to another account ). I stumbled upon this website that told me you guys could help me. I emailed PayPal and they responded with we sent you an email to help directly Took them 2 weeks to send that email and they basically in professional terms said There is nothing we can do for you, your account has a security lock on it so XX/XX/XXXX to XXXX, but we have all your money stuck in your account and theres absolutely nothing we or you can do about it. Now Im sitting here realising what a scam this company is. Took them and waisted 9 months just to say theres nothing we can do. 

PAYPAL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I paid XX/XX/XXXX in full for a vacation XX/XX/2020, for a trip in XX/XX/2020. They closed due the pandemic and did not refund any money. I disputed it with the bank and was refused a refund.

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Il XXXX Mortgage is with Loan Depot : www.loandepot.loanadminnistraton.com Problem started XX/XX/XXXX -Home insurance paid to XXXX XXXX XXXX XXXX Loan Depot paid them {$1600.00}. I canceled XXXX XXXX XX/XX/XXXX. 
XX/XX/XXXX. XXXX XXXX refunded to me {$1600.00}. I repaid-sent check of {$1600.00} to Loan Depot. XX/XX/XXXX is the date of new coverage by XXXX Loan Depot did not acknowledge XXXX XXXX cancellation and my immediate coverage with XXXX.I paid XXXX with my own check. The new policy cost was $ XXXX XX/XX/XXXX. Therefore the refunded XXXX XXXX {$1600.00} remained in my escrow account at Loan Depot. 
XXXX as per company rules notified Loan Depot of the new coverage of home insurance. XXXX I never had a lapsed in legal Home Insurance paid in full. 
XX/XX/XXXX I noticed that the {$1600.00} in my Loan Depot account had been moved to status of Misc. XXXX it was gone. Immediately i asked Loan Depot for explanation. 
I faxed and mailed Loan Depot copy of XXXX Declaration page twice in XXXX, XXXX. 
Copy of correspondence requesting a refund or the {$1600.00} to be returned to my dated XX/XX/XXXX. 
They have refused to correct their error. 
! XX/XX/XXXX Loan Depot requested proof of insurance. XXXX agent assured me that they contacted the escrow insurance department of Loan Depot to verify coverage. 
Loan Depot did not respond. XXXX again notified Loan Depot that I was covered since XX/XX/XXXX. Loan Depot sent me letter on XX/XX/XXXX Finally admitting receipt of proof of coverage from XXXX.But stating they had bought insurance for me. No name or policy company ever sent to me of their coverage. 
To date they have not returned the {$1600.00} to me or my escrow account. XX/XX/XXXX. 
Mailed, and faxed. my XXXX declaration page re-verify my coverage XXXX XXXX. Have extreme difficulty with computer access with Loan Depot. Many web sites. Changes that delete your account. In XXXX of this year unable to access my account on Line I was told by customer service to re-register my online account. Including entering my social security number. I was already verified and my id, address and loan number verified by the phone agent. 
I request to be made whole- refund of the {$1600.00} and correction of my tax XXXX XXXX. 
My XXXX taxes were XXXX. My XXXX taxes were first payment {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: GA

Complaint narrative:
XXXX XXXX is a charged off account from 2014. The company continues to report a past due balance. XX/XX/XXXX and Equifax continue to post 90 day lates each month from the company. My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights. 


The date of last activity doesnt match. Theres no close date or high balance reported for XX/XX/XXXX or Equifax. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: GA

Complaint narrative:
XXXX XXXX is a charged off account from 2014. The company continues to report a past due balance. Experian and XX/XX/XXXX continue to post 90 day lates each month from the company. My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights. 


The date of last activity doesnt match. Theres no close date or high balance reported for Experian or XX/XX/XXXX 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.

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