vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: MD

Complaint narrative:
I recently refinanced an existing mortgage that was sold to XXXX XXXX. XXXX XXXX then placed this loan with the servicer, Arvest Central Mortgage. Arvest charges {$5.00} for each payment  voluntarily made electronically online and {$10.00} over the phone by the customer in order to push customers to sign up for automatic debits from their checking account. This is quite high and unusual in my experience and different from what I had previously seen from other mortgage servicers ( XXXX XXXX, XXXX XXXX ). I don't understand why I should have to pay for such costs when I have no control over who my loan has been sold to and who services the loan. These were not disclosed to me at the time my loan was sold to XXXX XXXX. 

In any event, I signed up for automatic debit from my checking account. The first payment was due XX/XX/2020. I repeatedly checked for the payment throughout the day. It did not show any status update in their system. This morning, I checked my checking account and found that Arvest had debited my account twice - that is, they made the first two mortgage payments ( the second of which is not due for another month ). I received no notice of this nor authorized this second payment. 

I have contacted the company. However, in my many years of having dealt with other mortgage servicers, I have never seen a financial institution fail to have a system in place that could let you know the status of the loan, the status of the current payment and notice of what they intended to pay. Given I have no control over the automatic debits, I am now at their mercy to get this right. While I was able to cover the additional cost this time, I consider this abusive. Moreover, I imagine this could lead to significant overdraws or non-payment and fees from anyone that does not carry a significant cash balance in their checking account. From the comments I've read online on Arvest, this seems to be a consistent problem and hope that the CFPB will look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2020 Did not approve of 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 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I started a loan application in XXXX, and still haven't closed because of a tardy process run by Wells Fargo Home Mortgage. Throughout the process, very scarce updates were provided, usually only after multiple emails from me requesting for information. And then all of a sudden, I would receive calls asking if I would be willing to proceed acting as if all my emails requesting for updates didn't happen.

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 2020-09-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with Experian and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XXXX XXXX, XXXX, XXXX   XXXX XXXX Account XXXX, XX/XX/XXXX On Record Until XXXX  XXXX XXXX Account XXXX XX/XX/XXXX On Record Until

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 2020-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with XXXX and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XX/XX/XXXX, BANK OF AMERICA Account XXXX, XX/XX/XXXX On Record Until BANK OF AMERICA Account XXXX XX/XX/XXXX On Record Until

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 2020-09-02 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: PA

Complaint narrative:
Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with XXXX  and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XX/XX/XXXX, XXXX  XXXX XXXX Account XXXX, XX/XX/XXXX On Record Until XXXX  XXXX XXXX Account XXXX XX/XX/XXXX On Record Until

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I have a credit card with Barclay. I had auto-payments set up through Barclay to pay the regular minimum. Between billing periods ( I believe XX/XX/XXXX ) l made payments on the card, but for less than the minimum due. On the payment due date, Barclay still drafted for the original minimum, which did not reflect my additional payments. There were insufficient funds to cover the auto-payment. To make matters worse, the online payment system did not reflect that the payment was not made and updated to show the next billing cycle 's minimum payment. Also, I received no notification of the missed payment until I received a 30-day late notification from my credit monitoring service. I immediately paid the amount in arrearsthe minimum due, not the amount that Barclay attempted to draft. I attempted to address the matter with Barclay directly to no avail.

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 2020-09-02 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: Freedom Mortgage Company
State: MN

Complaint narrative:
I tried to refinance home through freedom mortgage and was told there is a lien on my home when in fact this is not true there was a stipulation during my divorce if I did not refinance there would be a lien put on but I in fact refinanced the home in the time frame I was given. when I try to contact no one seams to get back to 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 2020-09-02 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: MD

Complaint narrative:
XXXX XXXX XX/XX/XXXX INQUIRY XXXX/XXXX   XX/XX/XXXX INQUIRY XXXX XXXX  XX/XX/XXXX INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY This information does not relate to any information that I have made. I have enclosed a copy of my IDENTITY THEFT REPORT. In addition, I have enclosed a copy of SECTON 605B of the FAIR CREDIT REORTING ACT, which details your responsibility to block fraudulent on my credit report resulting from IDENTITY THEFT.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have repeatedly ask this company to close this account and they refuse to close it. Theyre reporting that Im late on my charges and I dont have any charges. Theyre adding on exuberant charges for late fees and all other kinds of fees. It went from a {$250.00} charge card to a almost {$800.00} due to fees and other late charges. Theyre one of the companies ruining my credit, these companies give you a card and all of a sudden ask these hidden fees come into effect. I need help, this pandemic is not going away and I dont have any money to pay extra for fees and late fees I never incurred. How can they say I owe them and I have available credit of {$68.00} per their website. Hows that possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized inquiries. Duplication XXXX  XXXX XXXX Dates XX/XX/2019 XX/XX/2019 XX/XX/2019 2019

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 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK
State: OH

Complaint narrative:
We are refinancing our loan and the bank that owns our loan, TCF Bank, is out of compliance. Paperwork was submitted for a payoff amount on XX/XX/14 and as of XXXX they still have not responded with the requested information so we were not able to close on our refinancing loan in XXXX which was the agreement. 

TCF 's incompetence has been shocking. They recently asked if my loan is a VA loan. It is not, and it is crazy that the bank that owns my loan had to ask me that question. They clearly have no clue what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
I attempted to transfer funds from my M & T Bank Checking account to my accounts at XXXX XXXX and XXXX between XX/XX/2020 and XX/XX/2020. 

On XX/XX/2020, I logged online to check the status and the system informed me that my access was suspended. 

I contacted customer service at XXXX eastern time on XX/XX/2020 and spoke with XXXX, and supervisor XXXX. 

They informed me that M & T blocked the transfer, and is demanding that I provide them with full, unredacted copies of bank statements for the other banks in order to unlock my account. 

I offered to provide them the statements with the transaction details redacted, however their customer service supervisor, XXXX, refused and stated that M & T will not unlock my ability to complete external transfers unless I send in these statements. 

I consider this a major privacy violation and will not send those statements in unless I am able to redact my personal transaction information for other banks.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Account was sold to another Mortgage company. Account is still showing as open and delinquent which in not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I contacted Mr. Cooper on XX/XX/2020 telling them that my husband a XXXX XXXX XXXX had passed away 2 weeks prior. I asked what their procedure is next since he was the originator on the mortgage. They wanted a copy of his death certificate and a copy of his will. I emailed it immediately. I was told that the account would be put on hold till process was completed. They also said that it would take 7 days to research his will. On XX/XX/2020 I called again asking the same questions. I was told that they needed his death certificate and a copy of his will AGAIN. And another 7 days to research it. I call again on XX/XX/2020 and ask again where we are in the process. XXXX XXXX tells me that they need my husband 's death certificate and will for the THIRD TIME because he didn't see it in the system. I sent it directly to him, waited for him to receive it and forward it onto the research department before I hung up. In the meantime I am getting mail almost daily telling me to make XXXX payment. I have been right from the start asking for a loan modification. I was told that since it was in his name that I couldn't do anything to the mortgage and that they didn't even have to talk to me. Thankfully when we started this mortgage my husband gave them permission to talk to me about it. I finally get an email back from XXXX XXXX on XX/XX/2020 stating that I am my husband 's successor. Ok, what about the loan modification!!!! I call Mr. Cooper again. Was told that I am his successor. Again I ask for the loan modification paperwork. I called them 6 times on XX/XX/2020 asking for the loan modification paperwork. I asked for it to be emailed to me. I was told that it had to come thru the Post Office. They asked when I was going to make my payment and I again told them that I have to do a loan modification. So now I wait for the mail to be delivered and am currently in XXXX so another month without having the loan modified. This is VERY POOR CUSTOMER SERVICE!! I should not have to be calling them weekly and sometimes daily to get this company to do what was asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: IN

Complaint narrative:
XXXX XXXX of XXXX, IN in conjunction with ABC Financial Services their third party collection service continue to bill me for services when I properly terminated my services in writing with a 30 day notice on XXXX XXXX over the loss of my job due to COVID-19. I had to put a stop payment with my credit union to get them to stop illegally continuing to draft money from my checking account. I've contacted XXXX XXXX in writing and by phone to discontinue my membership and have spoken by phone to ABC Financial Services to ask that they discontinue sending me billing notices or I would be forced to file a complaint. So here we are as yet another billing showed up today XX/XX/2020. I'm also including proof of their reply email to my XX/XX/2020 so there is no question that they received my email to them title " Membership Cancellation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
Our mortgage is currently with Specialized Loan Servicing ( SLS ). When COVID forbearance options became available, we requested a forbearance on our mortgage, but quickly realized we didn't need those benefits and requested to have the forbearance removed. They removed the forbearance promptly and all seemed well. This occurred XXXX 2020. 

Some time around XXXX, our account began a review for mortgage assistance, although that was never requested by me or my husband. I spoke with a representative on the phone who confirmed this review started with no specific request from the account holders. This mortgage assistance review caused a slew of issues. Our normal monthly payments and escrow only payments were disrupted and were not applied appropriately without having to contact the company by phone ( which is very difficult to do ) to get the account situated. 

The main reason for my complaint today is the valuation report that occurred as a result of the mortgage assistance review/request. We were charged an {$85.00} fee for this valuation report that, again, we never requested. I spoke on the phone with SLS requesting for the fee to be waived two different times and sent a written letter requesting the same. We received a letter from the company saying they received the request and were reviewing it around the beginning of XXXX and have not received a response. 

We never requested mortgage assistance. We were paying our mortgage each month and was never late or behind. We never requested a valuation report that we were charged for. I really wish we could switch mortgage companies, but all I am requesting today is reimbursement of the {$85.00} fee for the valuation report we never requested.

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 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: VA

Complaint narrative:
Ive had a bank account at this bank for 3 almost four years. They converted my act to another bank. Then charged me overdraft fees after refunds took longer than usual to be credited due to the conversion. Then refunded the fees and turned off the debit card so I couldnt deposit funds to make the -10 dollars positive again. 
I just want to close this account. I do not like first horizon and the way they handle their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX I received a phone call from XXXX at XXXX XXXX XXXX. The number he called from was XXXX. He claimed that I owed a debt on an HSBC Mastercard ending in XXXX, that the card was opened XX/XX/XXXX and had been paid up through XX/XX/XXXX. He said that I owed XXXX and he could bring that down to XXXX. While talking to him he claimed that my employer at the time of the card opening was XXXX XXXX which has never been my employer at any time. This tipped me off that this was a fishy attempt to collect a debt that definitely wasn't mine. He gave me a call back number of XXXX and said his extension was XXXX. He also gave me an email address of XXXX I pulled my credit report from XXXX and didn't see this " card '' listed I also pulled up my current credit report and didn't find this debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX Found out there were two wrongful evictions on my public records report. I contacted both companies and made efforts to pay in order to have the reports removed. One was removed and the other was verified as accurate. 

The one that verified me as accurate was XXXX at XXXX XXXX XXXX. I was NOT evicted. There is no proof of eviction ; only that one was filed wrongfully. I had no control over the filing as I was not living there when it was filed. I was not on the property as of XX/XX/XXXX. The eviction was filed in XXXX. 

I have evidence that I was moved out voluntarily and paid a lease termination agreement to XXXX XXXX At XXXX XXXX XXXX. Upon finding out additional balance was due I made efforts to reach out and pay the money required. 

I was told that I can not do that and instead they directed me to go to the courts because the company who filed an evection wrongfully is no longer the management company there at XXXX XXXX XXXX. 

To correct the problem I contacted Trans Union by way of my smart move because the evection is showing up on my tenant screening report. This is not a valid eviction and needs to be removed from my public records report immediately. 

I included articles of incorporation and my current address at the time to show that I was not living at the property during the time they said they evicted me. I moved out on my own accord and I paid the proper termination.

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 2020-09-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I need to unfreeze then refreeze credit but my.equifax.com does NOT load. It is also not possible to contact the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made a deposit on the ATM for {$800.00}, it said forced deposit into savings account. The deposit never showed up on my balance. I opened an ATM dispute 3 weeks ago, bank has not even started an investigation, branch said they can not do anything on their end.

Company response to consumer: Closed with monetary relief