vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
I was approved for a VA home loan from M & T Bank in XX/XX/2020 for XXXX. We found the house we wanted for XXXX and The total loan would be around XXXX. Before the appraisal we where told that there might be issues with the VA approving the loan for a modular/ manufactured home, and the VA exception board would have to approve the loan, and it could take up to 10 business days to hear a reply after the underwriter received the  appraisal and submitted the paperwork to the exception board. We had a VA loan before and where certain that The VA would approve our loan. We asked that they go ahead with the appraisal. My wife received a call from M & T Bank expressing that the appraisal would not be covered by closing cost and we would have to pay out of pocket XXXX for the appraisal before they could order it. I gave the person my CC number and the transaction should showed up as processing the next day, but never showed as a complete transaction on my statement. The appraisal was done and turned in on XX/XX/2020. I only just now received a copy in XX/XX/2020. We repeatedly asked for a copy of the appraisal to give to the seller who also had not received a copy. They told us that only the underwriter could view the appraisal. Only after M & T Bank Officially turned down our loan on XX/XX/2020. That we found out M & T Bank does not approve manufactured home loans of any kind, on XX/XX/2020, it was the M & T Bank exceptions board not the VA that had to approve the loan. On XX/XX/2020. We received a call from the loan officer saying  the loan had been declined. We Really liked the house so we went with a new lender on XX/XX/2020 and requested the Appraisal be forwarded to the new lender. The new lender and myself repeatedly contacted M & T Bank and requested Access to the appraisal via the LINN. We received no response. The new lender had there or corporate get involved before we received any kind of reply on XX/XX/2020. It still took them till XX/XX/2020 for us to access the appraisal. Only after they informed us via phone call that we would not be receiving the LINN number till they received the check from my current lender to pay for the appraisal. Of course the payment was for the VA, who had locked to appraisal till it was paid for. Which I have been told by the VA that is not true.

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a transaction on XX/XX/2020 in the amount of {$51.00}. The merchant agreed to refund the charge. The refund never was applied to my account. I had no choice but to file a dispute. I provided a copy of the merchants email stating they will refund my money. Comdata told me I must wait the 5-7 days. I waited the 7 days. I was told by comdata to file another dispute again. Now I have waited more than 10 business days. Comdata supplied me an email stating they have posted the {$51.00} provisional credit today. They never did post that to my account. They flat out maliciously lied and are trying to test my knowledge. They are very un compassionate and rude in this regards. Now they are telling me I need to file another dispute ( which would be the 3rd time for this same transaction ) I will attach emails from Comdata

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is regarding my previous bill with CitiBank, I have logged in multiple times on their website to see whats happening on my account and I have been having technical issues with them for a very long time. I paid off my balance in full, so I was surprised to find {$50.00} in interest and a late payment added to my account after paying it in full. Please look into this situation

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 2020-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear consumer relations, This is related to complaint ID # XXXX My recent complaint was closed without providing me with any information from experian. 

I hand wrote and sent certified mail to experian requesting the method they used to verify certain items listed in the letter I attached in the previous complaint that was sent to experian in XXXX. Under the federal fair credit act you have 30 days to reply on my dispute or the reporting agent must delete and remove those account from my credit report. No response through mail was attempted from experian. FCRA 611 ( a ) ( 6 ) ( b ) states that upon request they must provide me a description of those procedures used to determine the accuracy and completeness of the information. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later then 15 days after receiving this request. No response was attempted through mail from experian. At this point I still have not received any information sent to my address I provided in the previous complaint.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I contacted Amerisave ( XXXX XXXX ) regarding refinancing my rental property beginning of XX/XX/XXXX, By XX/XX/XXXX all the forms were completed and financial verification sent to XXXX XXXX. She insisted on a {$500.00} deposit to " lock in the rate for 30 days ''. 
The appraisal was complete and submitted to Amerisave on XX/XX/XXXX. 

Since that point in time no one will return my calls nor respond to my emails. I have even contacted XXXX XXXX, XXXX XXXX 's manager, to no avail. 

I have not received the Truth in Lending Statement, although I have asked both XXXX XXXX and XXXX XXXX for one. I requested escrow and title be opened with a company near me. I even provided a name and address of company they could use. 

Two months into this refinance, all I really know is that they have taken {$500.00} from me and nothing else has happened and I am totally unable to contact anyone there. Even customer service has you leave your number and no one returns the call. 

Is this even a legitimate company? Have they been closed down? Have you any knowledge to explain my experience? 

By the way, yesterday I receive a statement from XXXX on behalf of Amerisave stating an audit disclosed they had forgotten to sen me my credit score. It was XXXX out of XXXX. 

Please help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 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: NC

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc.
State: NY

Complaint narrative:
I received a letter from Aspen National Collections and called them at XXXX XXXX on XX/XX/2020 at XXXX. I was told that I was I need to and was transferred to the representative for the account. Once I began to ask him question regarding the validity of the debt he started to raise his voice, and when I asked him why he was yelling he threatened to report the debt to the credit bureau without explaining the content of the debt. I called again and requested to speak to a manager, the person who answered the phone introduced himself as XXXX and informed me that he was a manager/supervisor. I asked him to send me an itemized bill detailing the debt, and told him that he should listen to the call and coach the previous representative as by law collection agency have to behave with business decorum he too started to tell me that I was angry to which I replied and asked him to not categorize how I was feeling. I also called XXXX XXXX XXXX resort at XXXX XXXX to inform them of the threatening behavior of the agency and informed that I will not conduct business with a company that threatened harm to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I made the following payments on XX/XX/2020 to this XXXX XXXX, a debt collector and it is referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; These accounts have been paid and to date Equifax and XXXX XXXX are still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Equifax received on XX/XX/2020 and a letter to XXXX XXXX received on XX/XX/2020 they still have not reflected the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2020 I'm XXXX and have maintained an EXCELLENT credit score for as long as I can remember ...

I paid off two car loans within the past 60 days that reduced my personal debt by XXXX $ XXXX {$55000.00} and reduced my monthly payments by {$1300.00}. As a result of paying off these loans, my credit score DROPPED by 20+ points. WHY???

As a result of the actions noted above, I was amazed to see that I went from an Excellent FICO Score of XXXX to a Very Good Score of XXXX ... 

I submitted a dispute to Experian ( XXXX ). Experian says they do not know why my score dropped and it's up to the XXXX folks to explain that to me. They gave me the number to XXXX ( XXXX ) so I could follow up with them. 

So, I called XXXX today and they told me that I would need to sign up for their service ( $ $ $ ) before they could tell my why my XXXX score DROPPED by 20 points. " They '' do not have access to my financial information. I do not need - or want - to purchase a product from XXXX in order to get an answer to my question. I already have an account with Experian. 

This is quite the little dilemma for those of us who just want to understand what's going on with our credit scores. Just to clarify ... I have no issue with anything on my credit report. I just want to understand the significant drop in my score after I took what would typically be considered very sound steps to improve my financial status. 

I would also say that those of us who have questions about how the " FICO SYSTEM '' works ( calculates our scores ), should be able to get answers to our questions - from a live body who actually understands what's going on. 

I'm being told by Experian and XXXX there is no one who I can talk to who can look at my situation, review my credit report and explain to me why my score was so negatively impacted by the positive actions I took ... That is the problem I need an answer to. 

Sounds a bit like the XXXX XXXX XXXX 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 2020-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
I admittedly fell behind on my loan due to a bevy of injuries I experienced over the last 19 months. Coupled with COVID-19, times have been hard. I tried to get ahold of my local Heights Finance branch, and not only were the representatives there extremely rude and condescending, but I got nowhere. Since Heights Finance has charged off my account and sold it, I wanted to negotiate a fair payoff of this loan in exchange for removal from my credit report, which is within the purview of law to accomplish. But I want the corporate office to facilitate this, because the people here in my home office are impossible to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn credit corporation {$820.00} that is electric bill when I live in Maryland also never send me a final bill and its imposible Im apartment electric bill is in {$820.00} also still in my credit report and I dont have job now and also in Maryland because Im this date born my new baby .and I try to dispute por inaccurate balance is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: NC

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been trying for weeks to get access to my online account to dispute information thats on there. When I call, the tell me I have to submit my request in writing? What? I have tried to reset my password and everything but I always redirects me to call customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX was my mortgage company payment of {$2300.00} was made in XXXX XXXX. Then XXXX realized my loan was transferred to XXXX XXXX and sent payment of {$2300.00} to my new mortgage and XXXX then did not see I had a loan with them ( did not look under my social security number ) then forwarded check to Shellpoint which is my second mortgage. Payment received applied to my principal and monthly loan. I called Shellpoint to have payment sent back to XXXX XXXX and now 4 months later Still no payment sent and now Shellpoint not wanting to give me any answers where payment is and they reversed Money from my principal and money is where?? Shellpoint is not being cooperative. I need answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed the attached enclosures to the three major credit reporting agencies disputing the negative report on my credit record. XXXX and XXXX received my mail and quickly deleted the debt from their record. 
Equifax failed to follow their footsteps. Without stating a reason only stated " We have verified that this item has been reported correctly '' ( See the enclosed Equifax response ). 
Not sure what they saw or read that the other two reporting companies missed. The only thing I can think of is that they never bothered to read my submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I decided to obtain my free credit reports from the credit reporting agencies. I would be entitled to a free credit report at Transunion, having not previously obtained one in more than a year. 
I went to the Transunion website and clicked on " get my credit report '' and went through identification process. 
It asked various identification questions, and then asked for a credit or debit card number and whether billing address was same as my address. 
I assumed that it was part of identify verification process for access to a credit report. 
After supplying that information, I was given access to a credit report. 
Today, to a great shock, I discovered that I was charged {$24.00} by Transunion for my -- supposedly free- credit report. 
I was NEVER at ANY point told that I would be charged ANYTHING, let alone that I am signing up for any kind of service. 
I never received any email confirmations, either. 
Some online research and poking around Transunion website, showed that they somehow fraudulently signed me up for some of their paid services, of the existense of which I was not aware and to which I NEVER consciously signed up. NEVER was I told I'd be charged ANYTHING, the interface fully is made as if you are just going through identification process. 
I went to the website and used " cancellation '' option for the service, even though I never received confirmation of such cancellation. 
I then decided to try and call the company to explain that it was a misunderstanding and get my money back, since I absolutely never intended to purchase any service from them. They basically just stole {$24.00} from me, using information I gave them for what i thought was a different purpose. 
They give a number ( XXXX ) XXXX as a customer service number on their website, there is no other way to contact them. 
I called that number about 8 times on XX/XX/XXXX in the afternoon, it rings twice and then disconnects. 
There is no postal address. 
This is basically a swindle, fraud and theft. I am reporting it as a fraudulent charge with the bank, but I would like for your help to get my money back, and to stop this unlawful practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
We've previously filed a complaint regarding this issue with CFPB. Freedom Mortgage ( one of our current servicers for a VA loan ) will not stop calling us offering a lower interest rate despite having asked several times to be removed from their marketing list. Each time we spoke with them, we were assured that we would be removed from this list and a supervisor confirmed towards the end of XXXX that we will not be receiving any further calls. However, I just received another call today ( XX/XX/2020 ) from XXXX at XXXX MST from a gentleman claiming to be with Freedom Mortgage, again asking me if I've had a chance to review their offer of a lower interest rate on my mortgage. 

Is there any way CFPB could please contact this company and audit these calls? This has to be illegal. The phone number in question is a cell phone. In the meantime, I have removed my contact information from their system to hopefully prevent further calls, however I can't be the only person this is happening to and this matter really needs to be investigated. Please help! Thank you!

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