vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: KY

Complaint narrative:
After declining to pursue a refinance with New American Funding, a representative sent an email requesting details why I chose not to pursue the loan, and included approximately 50 other customers on the same email, seeking the same information from them. It was a wildly inappropriate and cavalier way to treat customer data, with no concern for consumer protection even after the mistake was highlighted by another customer. Some customers shared their rationale with the entire group before the mistake was brought to light.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received a letter dated XX/XX/2021, stating that my TD Business bank account would be closed on XX/XX/2021 if I did not respond by that date. On XX/XX/2021, I attempted to log on to my account, but it appeared that my account had been closed without my permission. I contacted my local bank branch ( TD Bank located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX ), and the customer service number that came up on on the bank account ( XXXX ) and the number that appeared on the letter ( XXXX ). No one could help me access my money, so I have no idea where my money is, or how I will be able to access it. I have bills to pay for my XXXX  XXXX, and can not access my bank account to pay them. It is completely unacceptable for a bank, in which I trusted my money, to withhold money that is rightfully mine. I complied with the letter that was sent and replied before the date they indicated in their letter. TD Bank should not be able to deprive its customers of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Department of Education/Navient. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I moved in XXXX of XXXXI notified Care Credit that I had a new address. 
I paid my account to XXXX  before moving. 
You don't get a statement when you owe XXXX 
Today XX/XX/XXXX I called number on card to check on.I found out they ( Synchrony Bank closed XX/XX/XXXX ). 
They say they sent out a new card & was returned XX/XX/XXXX by post office. ( case/service request # XXXX ) complaint filed XX/XX/XXXX today with USPS. 
THEY SAID THEY CAN NOT ISSUE ANOTHER CARD.THEY NEVER INFORMED ME OF ACCOUNT BEING CLOSED THRU E-MAIL OR MAIL. 

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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have attempted to reach Phoenix Financial Services on numerous occasions regarding this debt that I allegedly owe for {$1900.00}. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Phoenix Financial Services nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Phoenix Financial Services provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 
If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I originally purchased ( XX/XX/20 ) a XXXX XXXX XXXX with my XXXX credit card through TD Bank. The sale price of that phone was reduced with a trade-in of my current phone. The phone that I traded in was XXXX. The amount agreed upon for trade value was {$500.00}. The amount that XXXXTD Bank gave me was {$290.00}. I then started to experience problems with the new phone ( XXXX XXXX XXXX XXXX. 

I then returned the XXXX XXXX XXXX for a full refund within the 30 day waiting period. The refund that I received for the return did not include the full value of the purchase plus return. I then ordered XXXX XXXXXX/XX/XXXX ( XX/XX/20 ) and was charged double for that phone. 

I have spent over 12 hours in total on the phone with XXXX support and TD Bank trying to resolve this matter. At this point I am still being charged double for my phone and have not received the credit for my {$500.00} trade-in XXXX phone. I also received an email that my trade value was accepted on XX/XX/20.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Closing for refinancing with Citimortgage was targeted for XX/XX/2020 for the amount of {>= $1,000,000}. Loan Office XXXX XXXX NMLS ID XXXX was in charge of the loan. 

I discussed with him and his supervisor that the loan amount was supposed to be for the original loan amount of XXXX and I was planning to pay for closing and not to add to the cost of the loan. Also wanted clarification on the numbers. 

I was advised this would happen over 2 days and since then the closing was delayed and there has been no resolution on the matter. 

I paid for appraisal and lawyer fees to Citi and am not able to resolve to problem even after every effort by phone and email.

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 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I requested services on XX/XX/2020 for telephone and internet services for a new home that I purchased. I was told that the router for the internet and the services would begin on XX/XX/2020. I did not receive service nor any equipment, I contacted XXXX, a technician was sent to my new home on XX/XX/2020 and the technician could not get any connection for service, he told me he would put a ticket in to cancel the service, I called XXXX on XX/XX/2020 and was told that the ticket was in and the account was closed. I received a bill from XXXX via the XXXX app at the end of XXXX 2020, and immediately contacted XXXX and was informed to disregard that bill, the paper bill will be {$00.00}. I now receive notification from a collection company who is trying to collect {$31.00} for services that I have never received. I contacted XXXX and each time I am transferred to the collection company. Today I went on the XXXX Chat line with their representative and I have a part of her message below ''. 
" thank you for waiting, i was able to check the account, please disregard the bill you received, no balance on this account i will create a ticket for you to stop receive bill ofr this account '' I have been getting the run around since XX/XX/2020. Please help me resolve this dispute. Thanks

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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
I get repeated calls from XXXX about lower rates for discovery card. 
They are obvious scammers asking how much money I have. I've told them to stop calling and that I am reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On Monday, XXXX I initiated the transfer of my stocks from Robinhood ( RH ) to XXXX XXXX. I had {$1000.00} of buying power ( Credit ) left on my Account. 

On XXXX, I noticed that my stocks had moved from RH to XXXX XXXX and that the balance of my buying power was now at {$830.00} When RH notified me that they received my request, they confirmed that I would be charged {$75.00} ; however it appears that an additional {$86.00} was deducted from my balance. 

When I tried to withdraw my money from RH back to my bank, I got an error message stating that there is an issue and that I could not withdraw my money. 

I have tried reaching out to RH for a 2nd time via email because they do not have a telephone number listed and got a response stating : Your request to withdraw {$830.00} on Friday, XX/XX/XXXX, XXXX XX/XX/XXXXfrom Robinhood to your Preferred Checking account ending in XXXX has failed. 
Theres a restriction on your account, and you arent able to make withdrawals from Robinhood right nowthis can sometimes happen when a deposit to Robinhood was reversed by your bank. 

I have checked with my bank and there are no issues nor has anything been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX  was Loan originator. They were the worst mortgage company I have ever had to deal with, they were very litigious with a legal department incessantly seeking opportunity to assess legal fees and force default. The Loan was sold to Shellpoint Mortgage Servicing who have turned out to be an even worst nightmare. 
They routinely assess fees basically for just holding the loan. If your property taxes or insurance goes up watch out as it will be a XXXX to assess additional fees and they will never communicate any of this beforehand and filing an appeal or compliant is useless. They both will undoubtedly do well in the current COVID afftected economic downturn and many will lose their homes and property to their unfair practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Red Mortgage, Inc.
State: CO

Complaint narrative:
Hi, First off, my loan process was started on XX/XX/XXXX with XXXX XXXX with Sage Mortgage and I specifically selected Sage over XXXX  XXXX because of his wonderful communication and customer service from XXXX. I was able to upload all necessary documentation by XX/XX/XXXX and everything seemed to be going smoothly until XX/XX/XXXX. At this time, my emails and calls remained unanswered until XX/XX/XXXX. This was due to the fact that XXXX was no longer my loan officer. This was never communicated with me, nor contact information provided for the new loan officer. Instead my emails and phone calls simply went unanswered. From there, XXXX XXXX XXXX, my loan processor was the only one working on the loan and it seemed as if she could not access the information I had given to XXXX because duplicate information was requested. Even more concerning, I was told that the information I provided about my condominiums insurance policy was incorrect. So I contacted the insurance company with information given to Sage in order to attain the master policy. They were able to provide this the same day. Considering this is a service that Sage is charging me for, it is odd that I needed to do it for them. 

Thankfully on XX/XX/XXXX I was assigned a new loan officer, XXXX XXXX. His communication was great at first except he, like XXXX, was requesting information that I had already provided weeks ( if not, a month ) earlier. Unfortunately, that same day all communication from XXXX halted and he was unable to get a hold of via email, phone call, or text. Not until XX/XX/XXXX did he contact me again to let me know he couldn't communicate with me because of an issue with his licensure in Colorado. He then halted communication that same day and once again no communication has been provided about my loan. 

My rate has now been extended twice by XXXX. After multiple attempts at talk to a supervisor or manager for months I've yet had success. Please help me figure out what is going on with my loan.

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 2021-02-05 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: CA

Complaint narrative:
I have a condo for rent and this person contact me on the XXXX of XX/XX/2021 online saying that his company is going to pay for his staying with check come from XXXX and XXXX XXXX and I deposited in my account its been clear for three days Funds in my account with Bank Of America, on the second day after I recived the check he asked me to refound the extra to his agent traveler becouse his company mistakingly send me the extra $ which was about half of the check and thats when I XXXX  it to his email address on the XXXX of XXXX, the check bounced in my account, I cantact BOA and I explain the suspicious of scam that im in. They replied they will ask the person to refund me the XXXX transactions that I made, they going to ask the Scamer to refund the money ( what a joke ) respond from my bank, when is the counter fake check why they made the funds available for 3 days in my account?? Whenever legiment checks are stayed over 10 days to be clear in my account. They are part of the problem Note : I have the scammer name, email & address Thank you for looking in to this

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 2021-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Ad Astra Recovery Services Inc has violated the FDCPA buy falsely reporting an unvalidated debt on my consumer report..This debt came from and Identity theft incident and has no business be reported on my consumer file..I have no contract with this company and that is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Department of EducationXXXX, Comenity Bank/Victoria, and XXXX XXXX XXXX  XXXX. The Account Opened is Department of Education/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. The Account Opened is Comenity Bank/Victoria Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the XXXX and my local police department. I send all documents to the C.R.A and Department of Education/XXXX, XXXX XXXX/XXXX, and Capital One Bank USA. The Account Opened is Department of Education/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. The Account Opened is XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
The mortgage refinancing started XX/XX/XXXX. 
Mortgage loan XXXX was XXXX XXXX. 
Then in XX/XX/XXXX other loan officer started working on our file her name is XXXX XXXX. 
Now nether of them answering calls or responding on emails. 
Its been 6 months since we started refinancing and its still not done. 
How long we going to wait the result? 
Thank you. 

XXXX family.

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 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to you concerning an {$3600.00} escrow overage in my Wells Fargo mortgage account that they are refusing to disperse to me. I had applied for a Senior Homeowner exemption in 2020 for my local county ( XXXX, XXXX XXXX and was granted the exemption, thus resulting in the escrow overage. 
Additionally, I applied for and was granted a mortgage covid relief suspension, offered by Wells due to the ongoing pandemic. My income has suffered in 2020, by almost 45 %, and my Social Security isn't helping me cover my expenses. I've had this mortgage with them for over 10 years and have always been on time with my payments. 
So, I don't understand they will not disburse me the ooverage escrow funds. The funds were in escrow, but they are acting like my account is delinquent, which it is not. 
This is not right to treat a senior citizen this way. Please review my account and disburse me my money. 
First, I contacted Wells Fargo directly and was refused. Then I wrote to my congresswoman who received an refusal from a case specialist XXXX XXXX. Thank you for any assistance you can provide.

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 2021-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a debt validation letter and method of verification letter to Equifax on XX/XX/2021 and never received any communication in regards to my letter. I then sent another letter XX/XX/2021 as a second attempt to get information verified or deleted from my credit report. The bureau states that the accounts were verified as accurate prior to me disputing but never sent the requested documents to me as proof. They are in violation of the FCRA

Company response to consumer: Closed with explanation