vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I was recently scammed on XXXX while using my navy fed credit card, XXXX was no help to me so I reached out to my bank. they started a dispute and this morning said they needed more evidence. so I called navy fed, asked what all they needed to help them come to a conclusion. the lady told me she needed a few things which I submitted and she said the she had received it and that it was perfect. " exactly what they needed ''. I even told her if they needed anything else to just reach out to me. then I get an email a few hours later saying that my case was closed due to a lack of evidence. it just seemed very lazy, instead of reaching out they just close the case and hope I will go away.. even when the lady told me that was all I would need to receive my money back. I gave them everything, every email between me and the seller, the invoice, the tracking number. all the proof any human with a high school education would need to see that I got scammed. but somehow it still wasn't good enough. when I called they told me to appeal it but it would most likely be denied. what more information could have I possibly provided to them? they have literally every single detail about this incident. oh, it was for {$1200.00} in case whoever is reading this thinks I'm complaining about a few dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I refinanced my loan and was told that the payment was not due until XXXX and that if I started to pay the note earlier I would not have to pay interest and the entire payment in XXXX, would go to the principal. I called on this matter and they said that they would correct it but I looked over my payment record and it still shows that the payment was collected to interest and not all of the payment in XXXX went to principal. The main reason I paid the note earlier than required was to have the early payment go towards the principal only. I checked the history on the web site and they did not do what they said that they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I entered the Covid 19 disaster forbearance with my mortgage servicer, XXXX. As part of the program from them it stated that as long as I was in good payment standing ( which I was ) at the time of starting forbearance, there would be no late pay reporting to the credit bureau while in the program. XXXX honored that and did not report me as late. In XX/XX/XXXX, I started a loan modification program with XXXX which was an option of the program to catch up my missed payments. I had to make XXXX trial payments and then they would permanently modify my loan. I made my first trial payment in XXXX. In XX/XX/XXXX, my mortgage servicing got taking over by Shellpoint Mortgage. I spoke to loss mitigation with them and explained to the agent I was in the process of a loan modification with XXXX and made XXXX  trial payment so far. I sent the agent my modification offer from XXXX and the agent said they would honor it. I proceeded to make my next two trail payments and I was offered and completed a loan modification in XX/XX/XXXX. 

In XX/XX/XXXX I checked my credit report and Shellpoint had marked me as 180+ days late in XXXX when they just took over my mortgage and I was in good payment history with XXXX a month before. My credit score has dropped from a XXXX to XXXX. This is very bad since I work in the financial industry and they check credit scores. I can't get good financing anymore. This could possibly ruin my career! In XXXX they again reported 180+ days late to make it even worse. 

The late reporting is incorrect because I was to be protected because of the Covid forbearance. The late reporting needs to be removed immediately because it is incorrect. Also, they report that I started with them on XXXX of XXXX which is incorrect and needs to be corrected to XXXX of XXXX. Please help me get this corrected. 

Also, Shellpoint offered me a certain modification offer in XXXX and everything was signed and submitted and booked. I got an email saying it was complete. Now they are saying it was wrong and trying to undo the modification. Can you please make sure this is ok? Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: UPGRADE, INC.
State: FL

Complaint narrative:
Company was notified of lost card Around XX/XX/XXXX my card was lost, I made every effort to provide everything as requested and made numerous of calls and spoke to agents and answers emails regarding this lost card and provide details information as requested. 

I was ask if possible to obtain a police report regarding of lost card. 

I explained this situation happen in XXXX south america.. It was difficult due to my location. However, I tried but was not successful. 

I stay in touch and answer emails and calls on one of my last calls. 

I was advised " I don't need to worry about anything else!! '' Credit was issued new card was issued as well!! However, On around XX/XX/XXXX of XXXX. 

I was sent a email reversing everything. I call and was told that I was responsible. I ask to speak with a supervisor or businessleader the agent told me there's no body available, I wrote several times!! No one replies!! 

Upgrade, mislead me providing information about terms and conditions, hours of operation, fail to return phone calls went promise, agents have very little training on geographic or understand circumstances surrounding this situation. 

I have tried very hard to work with them ( Upgrade ) on this issue but they don't have the ability to properly assist. I asking for your organization help ( cfpb ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX sent letters in mail back in 2021 certified mail. Experian will not remove even though i advised of non delivery and who did you verify with because advised in letter correct address but still have an address not mines.

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 2022-02-12 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: NC

Complaint narrative:
Reviewed my credit report and there is inaccurate information that has been reporting. I'm a retired veteran and need assistance with housing and these inaccurate remarks is hindering me in getting the help that I need for me and wife that is sick and has had XXXX XXXX  in the past year. Could you please help and make sure these accounts are updated and all negative and collections are removed immediately thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX attached 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 non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XXXX I received via USPS two ( 2 ) packages of checks from TD Bank which I did not apply for. They had different account numbers. 
I contacted TD Bank, spoke with XXXX and reported the problem. XXXX directed me to TD Banks Fraud Line. I am awaiting a call from them. I contacted XXXX to report the fraud. They took report and explained they would contact XXXX and XXXX. As well they placed a Fraud Alert on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi, the problem with this mortgage services is that even paying the mortgage, also the home Insurance, the mortgage company refused to pay the damages on the house caused for a water leak, this incident is already reported to the XXXXXXXX city water services and the water service is cut off. Mortgage XXXX # XXXX. 
The water leak was reported on the first week of XX/XX/2022, the incident was reported to the water services and Carringtonm mortgage services LLC.

I WILL NOT RECOMED THIS MORTGAGE COMPANY SERVICES FOR FUTURE HOME BUYERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: TX

Complaint narrative:
I am a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX  attached 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 non-monetary relief
Consumer complaint received 2022-02-12 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: TX

Complaint narrative:
I am a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX attached thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX / XXXX / {$17000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have contacted Santander Consumer USA of my payments being applied to late fees, miscellaneous charges and specifically interest charges on my account. I started my car loan with them on XXXX of XXXX and my account defaulted because of missed payments and was charged off by Santander XXXX on XXXX of XXXX. Since the beginning of XXXX I have made my payments more than the monthly payment and {$1900.00} of my payments have been applied to interest charges alone. I contacted Santander in regards to my payments and I was told that all my payments should only be applied to the principal since my account was in collections and it was charged off. Also that the payments are not being applied to interest but to late fees, this is not accurate at all compared to the information on my account. I am assuming Santander Consumer made a mistake and incorrectly applied my payments to interest charges and late fees since they assured me that all payments from XX/XX/XXXX forward are being applied to my principal balance on this account that is in debt collection. I ask that Santander Consumer USA redirect any payments applied to interest, late fees and miscellaneous charges be applied to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX / XXXX / {$700.00} / ( Original Creditor : )/ XXXX / {$150.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: NC

Complaint narrative:
Reviewed my credit report and there is inaccurate information that has been reporting. I'm a retired veteran and need assistance with housing and these inaccurate remarks is hindering me in getting the help that I need for me and wife that is sick and has had XXXX XXXX  in the past year. Could you please help and make sure these accounts are updated and all negative and collections are removed immediately thanks so much.

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 2022-02-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reviewed my credit report and there is inaccurate information that has been reporting. I'm a retired veteran and need assistance with housing and these inaccurate remarks is hindering me in getting the help that I need for me and XXXX that is sick and has had XXXX strokes in the past year. Could you please help and make sure these accounts are updated and all negative and collections are removed immediately thanks so much.

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 2022-02-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
False Credit Reporting XXXX XXXX currently reports three ( 3 ) open credit card accounts in my name with as being open in my name whereas I have only one open credit card account with them. I have reached out to them several times via email and telephone. They refuse to correct the false records have XXXX balance, I should not be worried about it. A manager in the bank even hung up on me today.

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 2022-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have New AND UPDATED INFORMATION ABOUT EXPERIAN. 
EXPERIAN RESPONDED SAYING THEY WOULD REINVESTIGATE WITH THE FURNISHERS AS I REQUESTED, WHEN THAT IS NOT THE INFORMATION I AM REQUESTING, I AM REQUESTING PROOF OF THE INVESTIGATION THEY COMPLETED BEFORE ALLOWING THE FURNISHERS TO FURNISH INACCURATE INFORMATION ON MY CONSUMER REPORT, INCLUDING EVERY PERSON YOU INVESTIGATED WITH ALONG WITH THE INFORMATION I REQUESTED IN THE RESOLUTION AREA. 
I CALLED EXPERIAN TODAY TO SPEAK WITH SOMEONE REGUARDING THE DISPUTE ( XXXX EXPERIAN REPRESENTAIVE ) TRANSFERRED ME TO A SUPERVISOR BECAUSE SHE WAS UNSURE WHAT TO DO, THE SUPERVISOR GOT ON THE LINE, I ASKED IF HE CAN EMAIL THE TEAM THAT HANDLES THE DISPUTE HE SAID HE DOESNT HAVE ACCESS. I WAS NOT ABLE TO REACH SOMEONE THAT CAN CONTACT THE BACK TEAM TO GIVE THEM THE CORRECT INFORMATION AND WAS TOLD BY THE SUPERVISOR THE ONLY WAY TO CONTACT A BACK TEAM REPRESENTATIVE WAS TO FILE A CFPB COMPLAINT OR MAIL.

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 2022-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I entered into a COVID-19 JOB LOSS forbearance program with US Bank , that began in XX/XX/2021. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX or XXXX. Over the XXXX ( XXXX ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( XXXX ) month so US Bank could determine my options. In late XX/XX/2021 I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/2051 First monthly mortgage payment due : XX/XX/2021 XXXX payment was made : {$860.00}, with {$130.00} additional principal = {$1000.00}. Note : There is no XXXX on the property at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation given, other than, I would have to reapply. Numerous attempts to get an explanation have been futile.

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 2022-02-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief