vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX my credit card was used in three different locations unlawfully in Florida for the amount of {$1000.00}. The credit card company, Capital One refuses to believe that I did not use the card in Florida since the card has a chip on it and has stated that the chip can not be hacked or used unlawfully. I live in New York and have not been to Florida and the credit card company is requesting I pay all of the amount of the fraudulent purchases. I have attempted to appeal and the company continues to state that they have insufficient evidence even though the card has not been used for several months and has been in my possession in New York the entire time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 2 accounts that are inaccurately reporting on my credit report with Transunion one is with XXXX on Transunion and the other is with XXXX XXXX on Trans, these accounts are not showing on my XXXX  report or XXXX  anymore. I have written them several times and sent them my police report but they still have not removed this account. 
I just want these accounts deleted 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 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: OR

Complaint narrative:
On or about XX/XX/21 I put around {$500.00} into binance.us to buy crypto currency. I can't say the exact amount because they have deleted my history. Since then my money is being taken and I am locked out of the account. I am unable to withdraw my money. It is currently in ADA and I now only have around XXXX left. I am getting error messages saying " trading is disabled '' I have contacted the company multiple times. I have notified the SEC and the consumer finance dept. I have had opportuities to make a profit, however can't withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: DC

Complaint narrative:
On or about XX/XX/XXXX, representatives of Exeter Finance contacted me via telephone in an attempt to collect a debt. The debt was allegedly opened in XXXX of XXXX and was soon after written off as a charge-off. The company also failed to provide me with information regarding the validity of the loan, contract, promissory note, and/or any other documentation that legally binds me to the debt. I have no knowledge of this debt and/or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OK

Complaint narrative:
Please note I could not upload all the attachments on your website. I received an error. 

I received an Annual Escrow Disclosure, but BSI Financial did not account for the correct home insurance premium on their annual escrow account disclosure statement which was dated XX/XX/XXXX, and sent to me. I am very concerned because I prefer things to be reflected accurately, and BSI financial did not reflect my home premium accurately on that disclosure. They also refuse to help make the change and send me a revised disclosure. 

BSI Financial 's escrow disclosure reflects an incorrect amount which was my original policy renewal amount before any changes were made by me. They printed and mailed this disclosure to me approximately XX/XX/XXXX BSI financial refuses to redo the disclosure because it doesn't meet their threshold to do so. They said something that it had to be over {$670.00} for it to be re-evaluated or something like that and my shortage was only {$620.00}. 

I was told that my request to have it reevaluated would likely be denied even though their error causes me additional hardship, and it's not accounted for the way it should be. 

I was told by XXXX at the company that the Insurer never notified them of the change with new premium but later XXXX at BSI Financial retracted that comment and said the insurer did send a new Declarations page the new amount of {$1900.00} but would not give the date they received. However, that still did not prompt them to correct my account they just said it would be an overage next year. 

My renewal was XX/XX/XXXX but I made changes to my policy on XX/XX/XXXX and XX/XX/XXXX. 

My premium went from {$2300.00} to {$1900.00} as a result of those changes. 

XXXX sent a copy of the declarations page to the mortgage company approximately XXXX the XXXX notifying them of these changes with the declarations page. 

There was a refund check issued in amount of {$340.00} for difference in premium. It was issued by XXXX on XX/XX/XXXX. I forwarded the refund payment to the mortgage company immediately after I received it as per my Insurance company instruction to do so. The Check # is XXXX issued on XX/XX/XXXX for {$340.00} BSI Financial had approximately 121 days from the time my insurer sent them the new declarations page showing the correct premium, but even after this amount of time they have failed to report it accurately. They seem to resist wanting to make this right, and do not care how these increased costs affect my family. 

It is not fair to us to have to pay for something additional when it was not accounted for properly by BSI Financial. They had plenty of time to send a correct disclosure to me. 
I hope you can get them to change their stance on correcting their Escrow Disclosure because it was entirely their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: AES/PHEAA
State: FL

Complaint narrative:
See attached PDF. Settle this matter properly and remove the accounts of all 3 reports or I will seek litigation. This is my final attempt for them to correct their facts. Remove the accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone stole my identity while I was in XXXX and open accounts in my name.

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 2021-04-05 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: CA

Complaint narrative:
Someone stole my identity while I was in XXXX and open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: PA

Complaint narrative:
AAG Loan Officer XXXX XXXX abused and harrassed me repeatedly. After I pointed out mistakes on documents she sent to via email. She contacted me on a phone number I didn't give to her. I explained I bought that phone for a friend 2years ago, please don't sent any personal information to that number, she continued to send text to the number about my reverse Mortgage application. I asked her to stop. She continues to use the number and escalated the problems. I informed her I wanted a different loan officer and requested a change from AAG. I told her not to contact me anymore, but she continues to demand I obey her. I'm elderly, permanently XXXX and partially XXXX. She just threatened to cancel my loan if I didn't call her back. No reply from anyone at AAG XXXX CA

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
See attached PDF. Settle this matter properly and remove the accounts of all 3 reports or I will seek litigation. This is my final attempt for them to correct their facts. Remove the accounts!

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 2021-04-05 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: FL

Complaint narrative:
See attached PDF. Settle this matter properly and remove the accounts of all 3 reports or I will seek litigation. This is my final attempt for them to correct their facts. Remove the accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.

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 2021-04-05 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.

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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC
State: CA

Complaint narrative:
I purchased brand new home from builder on XXXX last year in AZ and apply the loan at same time from builder Mortgage department and loan the approved with my high credit score quickly.the close date in XX/XX/XXXX this year, because I was in XXXX since XX/XX/XXXX, on XX/XX/XXXX I signed standard rate lock agreement .since the close the close date I couldn't by ticket back USA because virus no air tickets.so I asked to delay the close date on XX/XX/XXXX, the builder agreed it and I asked the loan department they said the lock date is expire on XX/XX/XXXX, the loan officer requested me to provide all documents to apply the loan once again, I was in XXXX I couldn't provide those documents also it is not enough time by close date on XX/XX/XXXX, I asked builder I can't take back deposit if I could't close on time.so I only borrow the money for all cash pay for my new house in AZ. I was just wondering they are same company, they haven't connected with close date and nobody informed me the first close date on XX/XX/XXXX is extension and loan still didn't ; t released, if loan officer can informed earlier, ,I still can get the loan, the builder and loan officer all knew I was in XXXX XXXX I have a big lost in this new house .and I still pay the rate lock fee over {$3000.00} by close escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent dispute letters on 2 separate dates. I have not receive a response from any bureaus. This doesn't make any sense. The way the bureaus operate is out control. This is a very stressful. The dates I sent letters on XX/XX/2021 and XX/XX/2021. Thats over 90 days. They have 30 days to respond.

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 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Abrahamsen Gindin LLC
State: CA

Complaint narrative:
I received a letter from Abrahamsen Gindin LLC collecting a debt of the Client of XXXX  XXXX. I have not gone through any company by the name XXXX XXXX. This debt showing is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
I received a payoff statement from Rushmore LMS dated XX/XX/2021 in the amount of {$90000.00}, which was good through XX/XX/2021, with a charge of {$13.00} every day thereafter. I closed on XX/XX/2021 and the buyer closed and paid off the loan on XX/XX/2021 using the payoff statement that was provided by Rushmore dated XX/XX/2021. 
On XX/XX/2021, the loan was credited by Rushmore as paid in full. Late in the afternoon on Friday, XX/XX/2021, I received a call from the Title company stating Rushmore returned the payoff without explanation. ( Mind you this is 10 days after Rushmore received the payoff. ) I contacted Rushmore and was told the funds were returned because it was {$760.00} short. Rushmore said the shortage was for a foreclosure attorney. They also said it was added 7  days after I received the payoff statement dated XX/XX/2021. The house was never in foreclosure. When I called to ask for the payoff amount the Customer Service Rep stated the property was not in foreclosure so she can request the payoff. No one informed me of extra money being due before, or after closing. ( Until 10 days after and I was informed by the Title company not Rushmore ) Late in the afternoon on XX/XX/2021 I sent the title company an extra {$810.00} to resubmit the payment. Of course, since we were informed late in the day, on a Friday, they were not able to resubmit the payoff until Monday XX/XX/2021. I sent extra just in case they were going to charge me extra interest for the weekend. The payment sent was now for {$91000.00}. 
On XX/XX/2021 I contacted Rushmore to ensure the payment was received and the settlement was finalized. I was informed of a new payoff amount of {$92000.00}. Now they wanted {$360.00}. XXXX more. No one could tell me why. My case was escalated and I was to receive a call back by a manager. By the end of the day, XX/XX/2021, I hadn't received a call back so I called and was told I was on the call back list and maybe they meant they would call back within XXXX hours. I called back on Friday XX/XX/2021 and was told I was still on the call back list. I called back on the XXXX and XXXX and was still told the same thing. On XX/XX/2021 I wired the extra {$360.00}, this cost me {$25.00} to wire. I never received a call from a manager and they marked the loan as paid in full. On XX/XX/2021 I received at letter dated XX/XX/2021 ( which is the date I was supposed to receive a call back XXXX, stating Rushmore is selling the loan to another mortgage agency. 
I also noticed I was charged late fees of {$140.00}. The loan was in forbearance therefore no late fees should have been charged. 
I want the total of {$1300.00} returned to me. This included the {$810.00}, {$360.00}, {$25.00} wire fee and {$140.00} fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've asked the credit bureaus to update my name, address and it's been over 45 days and they still have not completed this for some reason.

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 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've asked the credit bureaus to update my name, address and it's been over 45 days and they still have not completed this for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I've received a response from Grant and Weber they stated " This left XXXX XXXX responsible for the deductible in the sum of {$1500.00} ''. So due to that response I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.

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 2021-04-05 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
Stearns transferred my servicing rights to XXXX XXXX on XX/XX/XXXX. Subsequently, I made payments to XXXX XXXX and on XXXX XX/XX/XXXX, Stearns sent me a statement demanding payment from XX/XX/XXXX to XX/XX/XXXX. I had already made the mortgage payment to XXXX XXXX. I disputed this and they still counted this against my credit score as a 90  day late! Now, I can not refinance of my rental properties!

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 2021-04-05 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. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation