vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I started to dispute this account last year before the pandemic hit in 2020 and this negative account has been reporting on my credit file. This company keep reporting to the credit bureaus that I account is mine but they never show actual proof to me nor credit bureaus. This is affecting my ability to obtained credit and from buying a home. This company has sold debt, and doesn't have the proof that I own debt.

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 2021-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TITLE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I am buying a for sale by owner and we have an escrow company/account. The escrow company, XXXX XXXX in XXXX, just informed me that they put the wrong percentage in the loan back in XXXX of 2019 when I started the purchase. My loan statement was reflecting the amount paid off based on the wrong percentage amount, and now they want to add back the amount/difference. 

I've emailed the escrow company that it is their error and they should have insurance to cover their responsibility for their mistake ( about XXXX ), but they said it's just human error. It was almost 1 1/2 years ago. Are they responsible? I don't know. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
esta factura esta pagada yo tengo mi comprobante

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 2021-03-15 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: GA

Complaint narrative:
I recently was notified by XXXX XXXX that i got hit with a hard inquiry from XXXX/XXXX XXXXXXXX i never applied or authorized anyone to do this. I would like this removed off my credit report. It was fraudulent activity to best of my knowledge. I have no knowledge of it. I never went into there store. They are saying XX/XX/XXXX. That is inaccurate have not even been inside a XXXX since covid.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
XX/XX/XXXX : used two free tools on Rocket Mortgage website Began receiving notifications of credit pull XX/XX/XXXX, became aware it was a hard inquiry on Monday XX/XX/XXXX Found unfamiliar loan associated with log in on XX/XX/XXXX Contacted support and asked them to provide any record of FCRA consent and/or copy of my application. Support was unable to view or locate an application for my account although they could see I had a loan associated. Support asked if I would like to speak to a research specialist and I declined as the multiple calls I'd received already today made me suspect the " research specialist '' would be making sales pitches. I told Support I would prefer they log my complaint as a FCRA exposure and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
In XXXX of XXXX, I was in an accident with grandmother, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from Arbor Professional Solutions for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the billing company XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I contacted PayPal earlier today ( XXXX XXXX ) & talked to PayPal assistant about my PayPal account closure I recieved email around XXXX & was surprised about this as i use this PayPal account to sell handmade stone ornaments on XXXX & recently added XXXX payments to my PayPal account ( in the last 2-3 weeks ) in which i use XXXX to sell trainers & sell i have According to advisor, she has noted this & stated appeal has been made about the closure of account & PayPal should be in touch in at least 48-72 hours. I'm not sure what problem i had to recieve account closure email- i have few orders which needs to be dispatched & have done for a while- no problems whatsoever- all my items are recieved by the buyer I had failed bank payment on the XXXX XXXX which i recieved a email from PayPal during the weekend & noted as i cancelled the order ( from XXXX via PayPal which the bank took ). I contacted XXXX to cancel the XXXX  fee which they did so they refunded me the XXXX  fee & I refunded the buyer their money back- the XXXX  fee was taken from my PayPal account & charged to my bank however i cancelled it hence why it's stated as 'failed payment ' but was a refund via PayPal to my buyer ( i think that's the problem but entirely sure as i wasn't given reason why ' Hopefully the appeal is successful, i just wanted to provide abit more detail on the issue so its clears up some things for you- really did the funds so i can pay my utility bills & have food so would be devasting if i have to wait 180 days till its cleared Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made an electronic payment on XXXX from my Chase checking account to my insurance company in the amount of {$1100.00}. It was supposed to be an electronic transfer direct to the insurance company with delivery on XXXX. Unbeknownst to me, Chase contacted the insurance company and asked them whether they preferred an electronic transfer or a mailed check. The insurance company choose the check option. This option meant my payment would not be received until XX/XX/XXXX ( 2 days after my payment was due ). Today ( XX/XX/XXXX ) I received a cancellation notice on my insurance. 

I immediately contacted Chase and was told the above story and was also told that although my proof of payment now says the check would be received by the XXXX that my check was actually mailed out today ( XX/XX/XXXX). 

I believe Chase should inform customers when there is a change in method of payment. I also think that when they make these changes that the payment should be made immediately. Not 11 days after my request. By the way, they withdrew the money from my account on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Draining money out of Landlord -Tenant Escrow Account Dear sir/madam I have an escrow account opened in XXXX for $ XXXX for rent security deposit of my tenant, XXXX XXXX. ( See W-9 provided to bank & all statement show XXXX XXXX XXXX as tenant ) He has vacated my property and I need to cancel the escrow account. I went into Branch on Saturday XX/XX/XXXX, I was told money is draining out of my account as fees. I asked how come Escrow account loose money, it should rather gain interest. I waited for call from branch no call came and went branch with letter. I was told that there was monthly fee being charged of XXXX per month and more than {$300.00} were gone. 
I have been to branch twice since then ; This account was incorrectly opened by the staff as checking account, even though I have asked for Escrow account & provided W-9. I had 4 similar Escrow accounts which were opened correctly as saving accounts by branch staff and I had no issues closing them after my tenants vacated got full money with interest. 
I am getting blamed for not reading monthly statements and visiting branch on time to get it fixed and coming after 5 years. 
Little background on this account, back in XX/XX/XXXX I accidently found money is draining from this escrow account, I went to branch they fixed by making it total XXXX however then also they didnt change to Saving escrow they left it as checking account. ( see XX/XX/XXXX statement attached ) I never thought Escrow account would drain my money out in fees. So never looked up the statements again since XX/XX/XXXX. When I went to close on XX/XX/XXXX I was shocked. 
Manager asked me of proof of Lease and lease renewals which I emailed, and I will forward to you too. 
When manager said he didnt get emails, I showed the lease and renewals in my phone too. Manager offered $ XXXX fee credit to me as if it was my mistake of opening an escrow as checking account. 
This I feel is lack of training and lack oversite on staff who are opening Escrow accounts as checking. I am not sure how many other escrow accounts are opened as checking accounts and fees being collected on them. 
So, I request to fix the issue and refund my escrow account money total of XXXX/- ASAP. 
I am coping this email to CFPB ( Consumer finance protection bureau ) to get this resolved and investigate how many other Escrow accounts are being charged with fees. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Good afternoon, my name is XXXX XXXX, I am writing to you one more time because I am receiving letters from creditors of accounts that are not mine, I have not applied for any of the accounts that are trying to collect, please do a review of my case to see if you can help me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 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: GA

Complaint narrative:
I recently was notified by XXXX XXXX that i got hit with a hard inquiry from walmart/capital one i never applied or authorized anyone to do this. I would like this removed off my credit report. It was fraudulent activity to best of my knowledge. I have no knowledge of it. I never went into there store. They are saying XX/XX/XXXX. That is inaccurate have not even been inside a walmart since covid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 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: FL

Complaint narrative:
Please help me and resolve my problem. I was very sad when I saw unknown items in my credit report. These accounts are not mine. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. Please investigate them also because I would like to know the origins of those 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 2021-03-15 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: FL

Complaint narrative:
Please help me and resolve my problem. I was very sad when I saw unknown items in my credit report. These accounts are not mine. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. Please investigate them also because I would like to know the origins of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My stimulus deposit will be held until wed by the bank and then credited to my acct no matter when the bank received the funds from the IRS.. Why does the bank hold my money as their own and then deposit it when they see fit? They are using my money with out permission or reimbursement. They have issued a bank wide statement to all their customers that everybody 's will be deposited to accts on the same day. XX/XX/XXXX. Screen shot of their statement attached to this complaint. This statement sent to all consumers it is on their homepage.

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 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc.
State: UT

Complaint narrative:
We set up auto pay on Sofis website to avoid any late fees. XXXX and XXXX XXXX payments were made. Looking at the payment history these 2 payments were credited to our account in error. So 2 payments in XXXX and 2 in XXXX. This equaled 4 payments instead of the 2 we made. This error was noticed in XXXX and 2 payments reversed. 4-2=2. However because correcting Sofis clerical error resulted in 2 reversals in XXXX it showed we did not make XXXX payment which in fact we did and it was received XX/XX/XXXX. So it showed we were delinquent and behind on payments even though we were not so then it kicked off the auto pay for XXXX. So Sofi tried saying we were late for both XXXX and XXXX. They have since sent harassing mail to help with mortgage payments and have called my employer when all of this directly reflects their clerical error. I brought it to their attention on XXXX and today is XX/XX/XXXX with no resolution in sight. I called XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX spending over 2 hours on each phone call between wait time and talking with a representative. The representatives not only were rude but claim they did not see the miss accounting with 2 payments in XXXX, XXXX in XXXX and several said they saw the reversal but didnt know what happened and could put in a ticket to investigate it. No one can give me updates. They cant transfer me to anyone to follow up. No supervisor can call me back. They even sent me to collections department rather than acknowledging their error and fixing the situation to show I did make the XXXX payment. Since their error resulted in XXXX payment not being drafted we wanted to wait till XXXX was accurately posted to make the XXXX payment however in the mean time finally yesterday XX/XX/XXXX out of fear of my credit showing Im behind 2 months mortgage I made 2 more payments ( a second one for XXXX and my XXXX ). This now us making 4 payments for the year- 1 in XXXX, 2 in XXXX and 1 in XXXX. I did not want to make 4 payments to be credited for 3 months of payments. I had to because Sofi conducted a fraudulent act by taking my XXXX payment and not posting it accurately then harassed me to make a payment that I already made

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-03-15 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
On XX/XX/XXXX, I checked my credit report on XX/XX/XXXX and saw an unfamiliar report on my account. The original creditor is XXXX XXXX XXXX XXXX for the amount of {$1200.00} opened on XX/XX/2021. Ive never heard of this place nor visited. I called the company and couldnt get any information. I have done more research on my own and noticed this is happening to many others. This company is terrible and reporting fraudulent activities hoping we would pay without investigating. I want this report removed from my account before it damages my credit more than it already is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
My insurance company deemed my vehicle a total loss. A payoff check was issued by XXXX onXX/XX/2021February. It was never applied to my account, I was told it wasnt received. A check was reissued on XX/XX/2021. It was received by Bridgecrest onXX/XX/2021. I was told on XX/XX/2021 that it would take about 48 hours to post to the account. I called on the XXXX and was told to call today XX/XX/2021. I called today to follow up and this time I was told that they dont apply payoff checks to accounts until theyve cleared and that it should post by the XXXX. This doesnt make any sense at all. They have continued to report to all 3 credit bureaus and interest is still accumulating on the loan even though I was told it would not. I have sent multiple emails between mid XXXX and now without any resolution.

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 2021-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UMB FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021 I sent a fax to UMB BANK to transfer the money out of my XXXX account to XXXX XXXX account. Later i authorized fidelity to do the transfer and they sent another fax to them on XX/XX/2021 to XXXX bank to initiate the transfer. UMB bank on on XX/XX/2021 charged all the fees on my account ( including the monthly service fee, statement fee and the account closure fee of {$25.00} ). According to them they sent the check to XXXX which was never received by them. When i called them back on XX/XX/XXXX, they told me that they don't have any tracking on the check and the details were not present in their system. On repeated phone calls after that the supervisor gave me some check number but said she doesn't have any tracking and she can not answer more than to say that the check was sent. All this while XXXX customer service said they haven't received anything. Since my account is an XXXX account I don't have any money to pay for my medical expenses and the UMB bank still continues to play games where they can not issue stop payment not refund the fees they charged on my account. I had a simple question to the supervisor where i asked " Why does the bank get to charge closure fees and get paid when i still have received my own money all this time ''? Please help resolve this matter.

Company response to consumer: Closed with explanation