vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, I noticed that there was fraudulent transactions on my account as well as ATM withdrawals. I notified the bank and filed a claim. After filing the claim I gathered all the information I could about what could have happened and filed a police report. I was almost 100 % positive I knew who had stolen from me which was reported to the bank and local police. After a week or so I received a denial letter from the bank statin that I either authorized or allowed the person to use my debit card for the charges. I called the bank back and refilled the claim explaining to them that I most definitely did not let anyone use my card or take money out of my account. I had informed them of the ways this person was able to take the money due to the fact that I use my XXXX XXXX to pay for things with the XXXX XXXX  feature and my card was in a drawer in my room. The person I was seeing had stolen my watch and was using it for codes needed to authorize certain transactions. As well as the fact that she would have had multiple opportunities to see my pin when we were out doing things and I had to pay with pin. The bank was also given a 3 page personal sworn statement and as of today, XXXX XX/XX/2021 the claim was denied for a second time. When I called I was told pretty much I was XXXX  The atm withdrawal was done at a Bank of America branch and they would have been able to pull the footage and see it wasnt me who took the money and that it was a women, the person I was seeing who then stole a bunch of stuff from me, and be able to verify my claim. Instead they told me there is no use in filing an additional claim as it wont be able to do anything. Im at a loss for words at XXXX I am. The total of the claim is {$2400.00}. That is a large portion of my income which is my VA XXXX. I have no job and this has put me in the red so far I dont believe I will be able to get back out if not fixed.

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 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
We have had continued issues with XXXX LoanCare , LLC paying the correct property and school tax from our escrow account. There are sufficient funds in our escrow account, but according to past phone calls, most recent of which was XXXX XXXX, they have been paying the wrong amount and wrong parcel number. It took us 1.5 years and a complaint here with CFPB to get them to pay our XXXX property/school tax. They accrued a couple XXXX dollars of extra fees by paying it excessively late. Now we are having issues with our XXXX property/school tax. Our most recent correspondence was received from our local Tax Claim Bureau that our property/school tax has again not been paid in full on time. The certified letter is dated XX/XX/XXXX and states : " If you fail to pay this tax claim or fail to take legal action to challenge this tax claim, your property will be sold without your consent as payment for these taxes. '' I forwarded this letter through their preferred online form/messaging center and like last time, did not receive any type of receipt of message or response back. Their online messaging system does NOT work at all! Previous form submissions included a letter from XX/XX/XXXX and letter from the school district XX/XX/XXXX. The tax bureau still shows {$2300.00} of delinquent taxes need to be paid for XXXX. This is not our fault but we could receive the ultimate penalty for their continued negligence to correct the addresses and account numbers on our property tax/escrow account! I sincerely hope this complaint will rectify this situation permanently.

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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
Allied Collections Service does not own this debt and is still reporting. This debt was sold to XXXX and was paid in fill

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 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand that all three credit reporting agencies remove the XXXX debt with account number XXXX ... This debt is far beyond the statute of limitations for the states of New York ( 6 Years ) and Florida ( 5 Years ). Any further reporting of this debt would be in direct breach of the terms outline in the fair reporting act.

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 2021-05-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand that all three credit reporting agencies remove the XXXX debt with account number XXXX ... This debt is far beyond the statute of limitations for the states of New York ( 6 Years ) and Florida ( 5 Years ). Any further reporting of this debt would be in direct breach of the terms outline in the fair reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I bought a used XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX and I was been told by the salesman the total amount is {$12000.00}. I was asked to put % 10 down. I paid {$1200.00} down payment. So, I had a remaining of {$10000.00} left on the car. I asked for a paper and statement that said that. the salesman told me I would receive it in the mail. When I received the statement in the mail, Southeast Toyota finance sent me a bill of {$18000.00}. I went to the dealer and showed the salesman the {$18000.00} statement. .He said he will take off {$3000.00} out of it. He will send the paper to southeast Toyota finance to adjust it. What a scammer! In XX/XX/XXXX, southeast Toyota finance repossessed my car and I called the same day to pay off the total amount of the loan to get my car back. They refused to get the payment from me. They said, they will call me back in three days which they never did. They sold my car for {$9300.00}. Now, They say I have to pay a remaining of {$8000.00}. They reported a repossession in my credit! .Southeast Toyota finance and XXXX XXXX XXXX XXXXXXXX are fraudulent companies. They worked together to scam people. I wished I had read reviews before financing with that company. Other customers complained for the same situation They will give you a call back in three days to make the payment which they never did. Next thing you know they sold your car and they sent you almost or the same amount as deficiency. My car was sold for {$9300.00} without notice, and it could have sold for more. They say I have a remaining balance of {$8000.00} and more as of right now. They are still charging interest rate and fees and so on. Specially in this pandemic This company needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One Venture Rewards because Im looking for a simple to use card for my upcoming travels. I have excellent credit and income. I have steady employment with the XXXX I did the pre approval first and I was pre approved for a few cards, so I decided to go for the Venture Rewards since I saw they have an offer if you spend {$20000.00} in a year which is ok with me. After I applied I was told my application was denied with no explication. Theres no phone number to call or discuss the application with anybody. I feel like Capital One took advantage of my by telling me I was pre approved for the card and then checking all 3 credit bureaus and denying my application without anybody even looking at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: OH

Complaint narrative:
Beginning in XX/XX/XXXX, I received our escrow analysis sent to me by our mortgage company TCF. Seeing two months with a reported {$0.00} paid into our escrow account, I called and explained that was an error and asked for a new report to be run. 

A few months later, I had not heard back and called in and chatted with XXXX. He sent me my payment history which shows I did in fact pay my escrow. He said he would look into it and get back to me. 

Two weeks later and no return call, I called again and talked to XXXX. She repeated what XXXX had said. I received a call back from her on XXXX but when I called back I was unable to be connected to her or XXXX. I talked to XXXX at XXXX XXXX who gave me a new number to call XXXX. I left a message at that number for a Mr XXXX. I have never heard back from him. 

I sent a certified letter as my Notice of Error ( attached below as TCF Bank ). It was delivered on XXXX at XXXX XXXX. I have not heard back from anyone in response to the letter. 

on XXXX I was fortunate to talk to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and they agreed there were zeros for those months on our escrow statement but there was a payment made. I was given an ID # of XXXX and was told this would be labeled a high priority. To date ( XX/XX/XXXX ) I have not heard back We have been making extra payments to our account in good faith but I do not want to continue to do so. We do not believe there is an escrow shortage. The months of XX/XX/XXXX and XX/XX/XXXX did in fact have payments sent by us for our escrow account. I can not explain why the escrow department did not credit us those amounts. As an added unexplained item, in XX/XX/XXXX there is an unapplied {$800.00} on our account that can not be explained. We did not send in any additional payments and according to many TCF employees, there is not a check or explanation as to where it came from. 

Until XX/XX/XXXX ; we were sending in paper checks for our mortgage.However, TCF does agree we sent them in. How those monies are not showing up in our escrow account I can not explain. I have no idea if this has any bearing on the the disputed escrow amounts. We are now paying electronically and hopefully this will not happen again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : 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 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections called on XXXX XXXX. They stated I had a debt of XXXX dollars outstanding from a visit to the hospital on dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked for the name of the hospital but all was given was a nurses name of XXXX XXXX XXXX. Asked for more information on the debt since I have insurance and have no record or recollection of every going to the hospital on those dates. Ended call after they verified the last 4 of social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
Ive have been working on refinancing my house since last year of XX/XX/XXXX, Ive assumed the loan and removed my ex -co borrower I was contacted by Calliber home loans team to refinance my house, I told them the situation were I had a court judgment entered from the judge for the ex borrower to sign a quit claim deed, Calliber advised me they would handle the situation in XXXX of XXXX I got a closing date from them 4 different times, they XXXX the processor and XXXX told me that the signing from the ex is all we needed to move forward to close, I told the ex borrower if he signed off I would sign off on a satisfied judgment of the amount the was entered against him for XXXX so I could close on my house the next following day! Come next day they Calliber told me they were going to close me out on the flowing Saturday never happened I got a email stating your 3 day waiting period has started, I was supposed to close on XX/XX/XXXX then they changed to the XX/XX/XXXX then today I get a call stating they cant close me out! Something is wrong something is not right I removed him off my loan and now my title, they are telling me income verification when I was promised 4 different closing dates! Id like them to be held responsible for my XXXX $ for misleading me and misguiding me, and also pay off my loan since they wont refinance me, its not my mistake someone dropped the ball and they cant fix it and I need help, also the city gave me a tax deduction due to property taxes going up, but yet they still are making me pay them, I have more documents and emails and proof! I want justice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
My daughter got a loan from Sallie Mae for her student dept. I co-signed with her on these two loans. Total amount of both loans were around {$7500.00}. XXXX XXXX she had a child. Her payment date was around the same time she was preparing to go into the hospital to deliver. Fast forward .... For 3 solid weeks, I have received harassing calls from Sallie Mae ... to the point of having four to six calls a day from three different numbers. I work nights and have to get my rest. i am an XXXX XXXX and work with XXXX that ranges from XXXX volts up to XXXX volts. She was only behind by {$100.00}. I finally got the opportunity to call SM and speak with them. I told them that I was not happy about them putting my life at risk by waking me up four to six times a day for {$100.00}. I sent them a letter back XXXX 2017 time frame requesting them to not call me, that by Ga law if I notify them in writing that my employer does not allow us to take personal calls while at work, they are not to call me. I told them that it is completely unacceptable to endanger my life for {$100.00}. I asked them if they felt my life was only worth {$100.00}? They were extremely rude back and I hung up. I contacted a lawyer on this matter and he advised me to file an official complaint for harassing phone calls against Sallie Mae here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX XXXX of Global Equity Finance Group , Inc, who can be reached as follows : XXXX XXXX XXXX Senior Loan Officer XXXX XXXX XXXX Direct : ( XXXX ) XXXX Email : XXXX Global Equity Finance , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX refused to give me a loan estimate without documentation. I asked for his manager. I then spoke to XXXX XXXX, Senior Director of Sales who said they are not required to give me a loan estimate unless I provide documentation to them. 

I then read MrXXXX XXXX the rules ( see below ) explaining that they are required to give me a loan estimate within 3 days and they refused and reiterated that they do not have to give me a loan estimate unless I give them documentation, that I am misinformed and quoted me a law from XXXX. I provided all of the information that is listed below and is required to qualify for the loan estimate and they did a soft credit pull to confirm. 

Every website I have checked, confirms that the information below is correct and that I should be given a loan estimate. 

Thank you for your kind consideration. 

From your website : https : //www.consumerfinance.gov/ask-cfpb/what-information-do-i-have-to-provide-a-lender-in-order-to-receive-a-loan-estimate-en-1987/ LAST REVIEWED : XX/XX/XXXX What information do I have to provide a lender in order to receive a Loan Estimate? 
Since XX/XX/XXXX, loan officers are required to provide you with a Loan Estimate once you have provided certain information. 

Loan officers are required to provide you with a Loan Estimate once you have provided : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 
Your loan officer can not require you to provide documents verifying this information before providing you with a Loan Estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021, I used Xoom by XXXX to send {$20000.00} plus {$74.00} in fees to XXXX. 
The money was taken from my account immediately and despite that I still had to send various documents such as W-2 form, bank statements, etc. and still after almost 2 weeks, the recipient in XXXX has not had access to the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I applied to rent an apartment. I told them I'd come in and sign the lease in a couple days. I decided not to. They signed my name on the lease and sent it to a collection agency. ProCollect. They sent me an email with the application and lease they are clearly different signatures.

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