vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: UT

Complaint narrative:
I was unaware of this regulation at the time, but then again I was trusting that my lender had our best interest at heart as well as knew the laws that govern them, but in reviewing XXXX  and the CFPB 's website it has come to my attention that when closing on a home the lender is required to provide you with a closing disclosure form issued at least 3 days before we sign the mortgage documents, at least 3 days before the borrower becomes contractually obligated to the lender so we may compare and ask questions before we go to the closing table. In our situation this was not the case but at the time I trusted my lender and mortgage loan officer, XXXX XXXX was doing right by me and was doing everything by law, I see now that is not the case. 

My husband and I did not receive our final closing disclosures until XX/XX/2020 at XXXX. We went to the closing table on XX/XX/2020 at XXXX. Based on our signed Note we became obligated to the lender on XX/XX/2020. We didn't even have a full 24 hours nor did we have a loan officer at our closing table to answer our questions. 

This is the second complaint I am writing to the CFPB regarding issues I have had with my mortgage originator and loan officer. This is another example of predatory lending as it is a blatant violation of the laws created to stop predatory lending and is the exact reason the CFPB had to be created.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: IN

Complaint narrative:
I received a promotion to open an account at Key Bank. I opened the account and I was told that if I used the debit card monthly or received ACH deposits the account would be free. I never received my debit card and could not use it to waive the monthly fee. But I did get monthly ACH deposits but was charged a $ XXXX  monthly fee three times, once in XX/XX/2020, XX/XX/2020 and XX/XX/2020. The monthly fee charges stopped in XX/XX/2020. I have contacted Key Bank and they said they will send another debit card. They have not reversed the three $ XXXX  monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc
State: NH

Complaint narrative:
Williams & Fudge Inc. debt collectors repeatedly called my place of employment in the spring of 2018 asking my coworkers to speak with me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It have been over 45 days and I have not received any response/result from my dispute.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made capitol one aware of charges that i asked a company called XXXX not charge on my card. On XX/XX/XXXX there was correspondence between myself and XXXX XXXX employee XXXX about my financial situation due to covid they offered me a lower price to keep my business and XXXX proceeded to ask me if i wanted them to charge the card ( my capitol one ) on file. I texted XXXX at XXXX no do not charge the card on file I will uses a different one. XX/XX/2020 he proceeded to charge my card twice for XXXX a piece, the same card i texted not to charge. Contacted capitol one to dispute charges. they took them off and then proceeded to put them back on. XXXX texted me on XX/XX/2020 we have received 2 charge backs on your account and we are terminating your account affective immediately! So it was terminated and capitol one is saying it wasnt. they wont refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
There was a data breach with XXXX  credit bureau during the summer of 2017 that put my personal information at risk. There was also a fake loan company, called XXXX, that tricked me into giving them my personal information including my sign-on credentials for online banking : user id and passwords. This resulted in a fraudulent auto loan from a company called Santander Consumer USA to be on my credit report. The thieves also tampered with my XXXX XXXX XXXX accounts and credit cards which caused collection agencies to be involved. I've been disputing the auto loan with Santander, but they keep asking for more information from XXXX. I asked one of the agents about more information, and she said the seven-step recovery plan they created for me is all they have on XXXX This includes letters to creditors, credit bureaus, and the FCRA. 
Sad to say I'm still struggling with identity theft right now, as I've been informed that there have been some disputes on my credit report that I did not initiate or request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
On the background report I received from you it states that I did not report my criminal background, but I did report it on the application and it in the note on your background report, but it still says that I did not report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed by a hairstylist through cash app. I reached out to cash app and they basically told me they couldnt do anything. Cash app let people take your money out your account but wont refund it back out the same account. They run as a bank with having a checking account and routing number but yet they will not dispute a scam even after you have proof. You can not talk to anyone on the phone. She deleted her interactions but before she did I took photos of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contacted them email mail no response

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 2021-02-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted them email mail no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I am a user of TCF bank which is a small bank located in Illinois. I already close the overdraft function in my account. 
On XX/XX/XXXX, I made two transactions to pay my electricity bill and credit card by using TCF, which is overdraft and TCF charged me {$74.00} fee twice overdraft. 
On XX/XX/XXXX, I am using the TCF bank to make a payment which is {$8.00} and they charged me a {$37.00} overdraft fee. 
On XX/XX/XXXX, I made a payment to my friend which is {$570.00}, and {$570.00} was not successfully transferred to my friend, then they still charged me {$37.00}. 
Then on the afternoon of XX/XX/XXXX, I received two letters from TCF bank and stated that I have three overdraft fees ( XXXX ), which means the last one they have not send it yet. 

I already close the overdraft function when I open this account, how can they still overdraft. 

They are located in Illinois, they spent about 12 days ( XX/XX/XXXX to XX/XX/XXXX ) sending the first letter to me. However, when I activate the Apply pay in my account, I can receive the letter notification sent by TCF bank within two days. Spending 12 days to receive the overdraft letter, rather than call me immediately. 

I have registered my email account for online banking. But I have not received any emails telling me that I have overdraft. However, I have changed the online banking email account to a new one. My old account still can receive their advertisement frequently. Even my old email account can receive your advertisement emails, why you are not able to send me the overdraft information. 

I also installed their mobile banking app, I have not received any notifications about my overdraft transactions. 

Transaction failed even charged over draft fees. 

After I received the letters and contact immediately, they insisted that they can reverse {$65.00}. 
Then I agreed because I am worried about they will charge me more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03 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: UT

Complaint narrative:
I BELIEVE I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I lost the card, and someone used the card to make unauthorized transactions. 

I have never received any merchandise from the card being stolen. I didnt authorize any of the transactions provided on the card. I have no knowledge of who could have found the lost card and used it. The card was not in my possession at the time of the unauthorized transactions. I have never allowed anyone access to use my card. I believe that my fraud claim should be honored due to me having no knowledge of who had the card. I couldnt have used the card myself XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I havent been able to leave my house due to being put on a 2 week quarantine XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to me being isolated, I had even had to miss XXXX/work due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I should not be held responsible to the unauthorized transactions due to the fact that I had nothing to do with the unauthorized charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been unable to get into my Experian account for several months. This is critically important because I need to add a security freeze after someone fraudulently filed an unemployment comp claim using credentials exposed in a data breach. 

It appears that I set up an Experian account with them more than 5 years and before the days of two factor authentication. 

Since the account was set up, we moved and no longer have the land-line phone attached to my Experian account. 

I no longer have the password to my Experian account, but I can't recover it because Experian insists on sending a text code to the now disconnected land line. No alternatives for trying to recover the password online work. 

I've tried numerous times to get a way to recover the account, including calling them. The phone lines branch to directions to make the change on the website which, of course, only works if you can actually log in - which I can'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 non-monetary relief
Consumer complaint received 2021-02-03 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: UT

Complaint narrative:
I BELIEVE I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
At Huntington National Bank I've tried removing all of my accounts because money from the U.S. Gov. is still going into an account that I have no access to. The bank will not remove ALL of the accounts under social security because there is fraud taking place within them. They keep one open that is using the name XXXX XXXX XXXX. My legal name is XXXX XXXX XXXX. Since I am not officially married my name has been always under my original birth name. The social security office is conducting fraudulent business as well keeping a false identity. This money needs to be delivered to my physical address immediately on a ATM card instead of going into an account I can neither close nor access. Last year I submitted to the IRS a claim that my identity is being stolen & social security is labeling a different name attached to my social security card. & has reached a serious data breach within all U.S. Gov. systems nationwide. The bank thus maintains one account because of the S.S. department refusing to properly identify me. They are using it to obtain trillions of dollars because I am employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding innacurate and unknown thing on my credit report to the XXXX bureaus, XXXX XXXX Transunion. To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was using the new XXXX TV Service however, the prices increased and I was currently in school full time and not working. Therefore, I canceled my subscription with XXXX and  Paypal. However, I was charged again by both companies and neither company would accept responsibility for their error. I notified XXXX XXXX XXXX Consumer Investigative Department and I believe XXXX has corrected the issue. However, PayPal keeps send me messages and still will not allow me to cancel my account. The last debit that they initiated on my account was not authorized. I have since changed bank accounts and debit cards and I am still receiving harrassing emails. 
Could someone please help me resolve this issue. If I had requested the service or used the service, I would gladly pay the fee. However, that id not the case. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Please provide information on the month/months that the mortgage company is claiming were missed mortgage payments that have my account not current?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I did a mobile deposit for my XXXX  stimulus check and received my debit card and activated it, as soon as I activated it they put a hold on it and say they can't release it because my phone number, which is on my account, isn't found with my name when they use some 3rd party search thing.

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 2021-02-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please conduct a proper investigation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and send me proof of signature, the agency is reporting false information, this account is unknown to me. The account is showing paid and i need proof of validation and documention. It is reporting seriously past due. then it says it assigned to an attorney, what attorney is it assigned to?

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 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Thomas Agency, Inc.
State: SC

Complaint narrative:
I have had several conversations with all parties involved since XXXX and there is still no active response to correct the issue. all parties are in complete understanding that there was a coverage issue, due to a misapplied insurance reporting. The insurance has agreed to reprocess said claims from XX/XX/XXXX. I have received documentation from the insurance confirming coverage for said date : XX/XX/XXXX. There should no no balance owed as it was covered 100 % under XXXX XXXX. The issue came when it was improperly reported that i had given birth to my daughter XX/XX/XXXX, but rather I had changed OB/GYN locations and providers from XXXX XXXX XXXX XXXX XXXX. And, I didn't give birth to my daughter in XX/XX/XXXX, but rather she was born in XXXX, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NC

Complaint narrative:
In XX/XX/2020 I paid off loan XXXX and have not received my XXXX escrow balance. Sun West is unfairly keeping the escrow despite even showing it on my XXXX tax return as refunded. This is outright fraud and deceptive and should be evaluated as a Consent Order and Enforcement action against Sun West.

Company response to consumer: Closed with explanation