vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
I was on CARES forbearance for 4 months, in XXXX I resumed making payments while BSI was working on loan modification documents. I asked if there are other options available for me and I was given only two : loan modification or lump sum of the missed payments because that's what I " qualified '' for although CFPB says if I have a federally-backed loan ( mine is VA ), my servicer can't make me pay in lump sum. I waited for the loan modification documents to come because the BSI representative I spoke to said there might be a " small '' interest rate hike. When I received the loan modification documents last week it was 3.5 %! my current rate is 2.75 % and no, 3.5 % is not " small '' and definitely not amenable. My VA loan technician and I have been trying to reach to BSI for over a week to discuss about my other options and to correct its inaccurate credit report that I'm behind my payments however we haven't heard from them. Today, I received a new online statement for {$14000.00} due in XXXX. I'm guessing this is an ultimatum from BSI because I haven't signed and returned the loan modification documents so next thing I have to do is lump sum payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CITIBANK, N.A.
State: MS

Complaint narrative:
I PAID OFF A DEBT THAT WAS OWED IN FULL. I DISPUTED IT AND WAS TOLD THAT I STILL OWED THE MONEY AFTER THE INVESTIGATION OF MY CREDIT 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 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I completed a refinance of my mortgage on XX/XX/2021. I also had a personal line of credit with SunTrust. I did not want the LOC to be closed. I wanted to balance that I owed on the LOC to be paid off and included in the mortgage refinance. I did not complete the LOC affidavit at the closing for the mortgage refinance to close the LOC but SunTrust closed the LOC. I believe that it was fraudulent on the part of SunTrust to close the LOC when I told the title company representative at the closing that I did not want the LOC to be closed and I was told that I did not have to sign the LOC affidavit. This statement by the title company representative led me to believe that the LOC would not be closed. I would not have gone through with the closing if I knew that the LOC would be closed.

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 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank seems to have a problem applying my mortgage payment. I have had this mortgage since XX/XX/2019, I live in XXXX XXXX XXXX, and in that time frame TD has failed to post my payment properly, they often interpret it as a double payment even though I stress to the teller my intentions of paying down my principal with the excess money. I go so far as to write in the additional escrow box NONE. I have talked to several customer service " specialists '' and often times they too get it wrong, and I have to take a 3rd step and involve a supervisor, that usually solves the problem, but it is a waste of my time and effort I simply can not afford ; I am a care giver for my elderly and infirm mother, and that if you didn't know is a fulltime job. My last involvement was with a loan specialist named XXXX, she helped me the last time they posted my payment wrong, but I have called her a couple of times and I have gotten no response. It is to the point where it seems like TD is doing this on purpose to deter customers from paying the mortgage early. The percentage of times they mess it up is astounding. Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Late last year Freedom Mortgage purchased my loan from XXXX. The loan is a 30 year fixed VA loan. Initially there was no issue with the account. Then in XXXX I got a paper statement that included someone else 's name instead of my spouse. I have no idea who the person is, its just some random person. I contacted Freedom Mortgage and they claimed it " was a typo ''. That is ridicules on its face since no one is typing anything into these statements. I told them that wasn't an acceptable answer because the presence of the name mean that somewhere in their computer system this oper person had been attached to my account. They brushed off my concerns repeating over and over that it was a typo. A representative promised to look into and call me back. They never did. 

Today I received my Form 1098 and my XXXX bill and low and behold, the name is still on there. Now I have a fraudulent IRS form. 

I called Freedom again today. They blew me off again. They have promised to send me a new form but in the mean time they have locked my access to my account over their web site. I have no way of knowing if they are going to submit a corrected from to the IRS so I have to worry about my tax return being flagged for fraud.

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 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I put a couch for sale on the app XXXX XXXX and got a response from a XXXX XXXX. I was selling the couch for {$300.00} and he said he was going to donate it to an orphanage. I reduced the price to {$100.00} since I tthought that was a good cause. He sent me a cashiers check in the amount of {$1600.00} which he said would cover the movers fee and the cost of the couch. He told me to transfer money to another person via XXXX by the name of XXXX XXXX for {$1300.00} that was supposed to be for the movers fee.I cashed the check with my bank but then a few days later they took the money out of my account and I called them and they said it was a conterfeit check.I had already transferred the {$1300.00} via XXXX and submitted a claim with Bank of America but they denied it. I just want my {$1300.00} back and for this nightmare to be over with. His bank from the check is XXXX XXXX XXXX  and here is the information I have for them : XXXX XXXX or XXXX XXXX, Phone : XXXX email : XXXX, XXXX XXXX name is XXXX XXXX and email of XXXX, I just want my money back, I have reported to FBI. filed a police report with the city of XXXX, contacted 3 on Your side here in XXXX, filed a report with the FTC also. Here is also the email response I got from them : " Im so sorry about this, I was only asked to pick up the funds and I dont know anything, next time dont send money to anyone '' so they knew it was fraud. I thought my bank would help but they didn't

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 2022-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/2022, I deposited a check into my USAA Savings account for {$11000.00}. Based on the fact that the funds reflected as collected on the 6th, I did a wire transfer for {$9200.00}. On the morning of the 7th, I called the bank to verify the funds had cleared into my account. The associate at the bank told me that " it was good '', I repeated " has the check cleared? '' and got a " yes it's good ''. Based on verification by the Bank, I was assured the balance in my account was good, as the funds covered the wire and showed a positive balance. If the money hadn't cleared, I wouldn't have been able to make the wire transfer. On Sunday the 9th I noticed a negative balance in my account, but the account also still showed {$7000.00} in it which was very confusing to me. I called the bank about this and the associate assured me that everything was fine and the check was good. The next morning there was a recall of the check and my account was - {$3700.00}. I reported the fraud to my bank, they attempted to recall the wired funds. The bank then froze my accounts and locked me out of them without telling me. When I tried looking into the case the bank told me it is their policy to clear funds at face value without collecting on the funds, therefore it is my fault for overdrawing the account. I did everything I could do to ensure the process was managed correctly, including calling the bank to verify the funds. They assured me the funds were good on multiple occasions. There was nothing else I could do to protect myself and my hard-earned money. I relied on my bank and they are now saying it is my problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I sent {$600.00} via Zelle to a seller for XXXX tickets. The money was withdrawn from my bank account. The seller will not provide me with the tickets and will not refund my money. This was a scam, and Zelle will not reimburse me for this scam even though I have documented messages between myself and the seller requesting that the transaction be cancelled and my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: DE

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$1200.00} XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NC

Complaint narrative:
On or about XX/XX/XXXX, I opened up a line of credit with formally known as XXXX XXXX but now XXXX XXXXXXXX XXXX for XXXX. XX/XX/XXXX, I refinanced my home with XXXX XXXX XXXX and paid off the line of credit and was closed. See attached closing disclosure from XXXX. XXXX XXXXXXXX XXXX has been informed to remove the false information off of my credit reporting. I sent a certified letter to the XXXX major Credit bureaus requesting " Validation '' that is competent evidence bearing my signature, showing that I had another contractual obligation with a loan in the amount of {$9200.00} and/or {$10000.00}. That I have or ever had some contractual obligation to pay XXXX XXXX. Please also be aware of any and all negative marks found on my credit reports ( including XXXX and XXXX  ) dealing with XXXX XXXXXXXX XXXX for debt that I don't owe, is a direct violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you MUST request that all credit reporting agencies delete the entry. XXXX XXXXXXXX XXXX is being reported on my credit reports as an open account that is more than 4years late not 180days late that would require by law to go into the collection status and/or charged off. I have all records of my communications and all documentations that my account was closed with XXXX XXXX now known as XXXX XXXX XXXX. I have never opened another account with XXXXXXXX XXXX  and never with XXXX XXXX XXXX I have attached a copy of the false reporting from XXXX XXXX XXXXk on my credit reporting, My closing disclosure from XXXX and the letter from XXXX XXXX XXXX XXXX XXXX with simply a denial of dispute, not showing or proving any validation of the debt bearing my signature. The open date, history, highest balance, term, payment status, account status, days late on the credit reporting all are false and incorrect.

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 2022-01-19 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: DE

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1200.00} XXXXT XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX {$250.00}

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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

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 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello I do not known if you can help me but this seems crazy that this is happening to me. I use coinbase as a investment platform. I have invested thousands of dollars over the last two years. XXXX of last year I used their application in order to transfer money from my personal account to their Platform my coinbase account. The address the QR code in their application provided was incorrect and sent it to someone else. When I reached out to them upset because they had just sent {$2000.00} of my money to a random person they said that this happens sometimes and that it was my fault I couldnt believe what I was hearing, I stated to them if they knew about this why isnt there some warning for their customers using this application that that is a possibility and to triple check in case their app provides the wrong address. I feel like I have been the victim of a company that does not properly test their product before sending it out into the public. This can list people thousands of dollars over a massive scale. They are not taking responsibility and are betting on me giving up and being afraid to defend myself and my saving they lost. I have had to work extra hours had to make sacrifices over the last few months to replenish what I lost I suffered XXXXXXXX XXXX XXXX XXXX. This issue was caused by Coinbases negligence. Please let me know the proper channels I can reach out to to hold them responsible so that this doesnt happen to other families. I have video of their QR code providing the wrong address if that helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I contacted XXXX and XXXX XXXX on XXXX XX/XX/2022. These agencies were on my credit report as hard inquiries. I had not applied for credit. I was informed they did have my SSN in there system. XXXX told me they would flag application for credit for Mor furniture as fraud. She did see my name but not SSN. This account has now been successfully opened with a {$4000.00} credit limit which was reported on XXXX XX/XX/2022. I now see another inquiry from CFNA which is not mine. Please help.

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 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I pulled my credit report and found all these medical bills that were supposed to be paid by my Florida Medicaid. I should not be balanced billed. This is illegal to balance bill me. 

XX/XX/XXXX {$1000.00} XX/XX/XXXX {$720.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$930.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1100.00}

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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated XXXX XX/XX/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 non-monetary relief