vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I was pre-approved for a loan on XX/XX/XXXX. This has been a most frustrating experience as it is now XX/XX/XXXX and we still are not closed. So far 5 months in and i have spent {$2300.00} out of pocket for nothing. I feel that I was mislead from the beginning and through the entire process. Now I've spent alot of money with the promise of a lower interest rate and payment. In the end I have endured more debt through the process, and my credit score has been adversely affected. This has been extremely emotionally overwhelming especially during the pandemic! 

See attached emails for details. 

XX/XX/XXXX ~ Pre-approved for a refinance with my existing company ; 30 year fixed@ 3.125 % payments ~ {$1000.00} with XXXX $ XXXX at closing ; closing to occur within 60 days XX/XX/XXXX ~ Agreed to move forward paid {$500.00} for appraisal fee. 
XX/XX/XXXX ~ Appraisal occurred XX/XX/XXXX ~ Notified that appraisal met value at $ XXXX XX/XX/XXXX ~ Notified that loan is approved with conditions ; tried to get clarification on conditions but loan officer said not to contact him ; only contact processor XX/XX/XXXX ~ Handrails installed ( paid {$350.00} out of pocket ) and engineer cert report ( paid {$650.00} out of pocket for this ) obtained to meet conditions XX/XX/XXXX ~ Notified by appraiser that handrails needed to be installed around perimeter of front and back porches, not just stairs ; attempted to clarify this with processor on XX/XX/XXXX ; now have to schedule more repairs XX/XX/XXXX XXXX Received closing disclosure with huge discrepancy in numbers and terms. Reached out for explanation and was not given one. Did not sign document due to discrepancy. ( see email ) XX/XX/XXXX ~ Handrails completed ( paid {$1500.00} out of pocket ) XX/XX/XXXX ~ File back to underwriting and they discover issue with name on taxes. This has been my mortgage company for nearly 4 years now and they are just now discovering that there is a clouded title. This might lead to bigger issues with my county taxes. 

From this point forward to present I have been battling them on rates and terms that are completely different that the original offer by almost $ XXXX difference. Sales team keeps putting my file in suspense. Finally went back to underwriting over a week ago. I was notified today that now they want to do another appraisal. I feel that their practices have been extremely unethical and have cost me a lot. A possible resolution to this would be for them to reimburse the money I have spent in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
I received a loan modification in XXXX at a 2 % interest rate. ( This was lower than my previous rate. ) The loan was sold to Rushmore Mortgage. I made all of my payments on time. The mortgage payment was {$1100.00}. In XX/XX/XXXX, the mortgage payments were set to increase to $ XXXX. I got the notice in XX/XX/XXXX. I was told that the mortgage was increasing due to a tax bill that was issued in the amount of over {$25000.00}. I have disputed this with the city, but to no avail. I applied for a loan modification with Rushmore and they placed me on a six month loan modification. They also asked for {$2000.00} as a " down payment '' which I had never heard of before. The new payment was {$2000.00}. When I contacted their tax department prior to receiving the modification, I was told that the payment would be {$1600.00}. I later found out that the new payment was based on their charging me a 5.5 % interest rate. I was told that this was legal according to them and that I couldn't be given the " current market interest rate ''. I am asking that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc.
State: KS

Complaint narrative:
Received in the mail with correct name and address. It says, Welcome to XXXX XXXX by XXXX. XXXX FDIC XXXX Activate your card XXXX set up direct deposit XXXX get paid up to 2 days early Then it has a form to fill out asking for amount of my paycheck I want to deposit. It has my name already filled out, but no account number. Just asking for a signature. 
It also came with a seamingly nice card. With a chip enabled. It a XXXX with an expiration date. It does also have a card number and a security code, which is concerning. It says debit on the card. Also says MoneyLion. With a sticker and a number to call to activate. 
I don't want to contact them and give them more information.

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 — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I paid off a car loan early, to American Honda Finance ( AHF ), via an online payment ( ACH ) of {$3400.00} approximately, from my Bank of America checking account on XX/XX/XXXX. Per Bank of America ( BAC ), they were noticed by XXXX that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by XXXX to XXXX. On XX/XX/XXXX, XXXX returned the check to XXXX. XXXX also sent us the car title, indicating the loan was paid in full. Then, XXXX proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with XXXX, from our BAC checking account to AHF. XXXX accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from BAC of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the XXXX account online for our account. XXXX worked with us this evening to call XXXX to resolve what happened and get whatever documentation XXXX needed to remove the negative credit report. XXXX refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does XXXX or BAC become responsible for fixing our falsely reported credit gap? Also, at what point, does either XXXX institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from XXXX to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad XXXX XXXX XXXX drop Of XXXX points XXXX, and still unresolved problem.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I paid off a car loan early, to XXXX XXXX XXXX XXXX XXXX XXXX, via an online payment ( ACH ) of {$3400.00} approximately, from my XXXX XXXX XXXX checking account on XX/XX/XXXX. Per XXXX XXXX XXXXXXXX ( XXXX XXXX they were noticed by XXXX that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by XXXX to XXXX. On XX/XX/XXXX, XXXX returned the check to XXXX. XXXX also sent us the car title, indicating the loan was paid in full. Then, XXXX proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with XXXX, from our XXXX checking account to AHF. XXXX accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from XXXX  of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the XXXX account online for our account. XXXX worked with us this evening to call XXXX to resolve what happened and get whatever documentation XXXX needed to remove the negative credit report. XXXX refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does XXXX or XXXX become responsible for fixing our falsely reported credit gap? Also, at what point, does either XXXX institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from XXXX to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad credit score XXXX drop Of XXXX points XXXX, and still unresolved problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
I purchased a used car XX/XX/XXXX with the first payment due XX/XX/XXXX in the amount {$470.00}. The finance agreement was for 72 months which ended XX/XX/XXXX. I paid an additional 4 months with the last payment send in XX/XX/XXXX which covered deferred installments during the life of the loan. I completed the 72 months and the contract amount of {$34000.00}. 

When I called to get information on my account, the automatic system stated that I had a payment of {$3100.00} due XX/XX/XXXX. When I called to get access to my online account information, it was described to me as an " end of contract '' payment. I requested an explanation of the additional charge with their online customer service with no response ; I sent XXXX Priority Mail letters to their XXXX, NC headquarters for the President, XXXX XXXX XXXX and their COO - no response to date. I submitted a review with Consumer Affairs which was forwarded to the company for a response - no response to date. I reported this as a fraud claim with FTC today. That's when I found this website for finance problems.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
spent {$3000.00} in XXXX months and the customer representative extended the last day to XX/XX/2020. I made another eligible purchase of {$900.00} XXXX pay for the rent XXXX on XX/XX/2020 which met the spending {$3000.00} offer. Actually, I asked their customer service and they confirmed I can get the XXXX American airline bonus if I made the XXXX purchase on XX/XX/2020. However, the Citi bank refused to give me the XXXX XXXX XXXX miles offer and tried to contact their customer service many times. Their customer service just cut the connection almost every time. Personally, I would not open any cards from Citi bank.

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 — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I sent you an email through your company to which I never received a response. You are reporting late payments on my account from XXXX to XX/XX/2020. I find this to be unfair because I updated my card account but your company kept charging the old card. These late payments were not the part of my own. I am writing in hopes that you can correct these late payments to paid on time as they are negatively impacting my score.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND I NOTICED SOME DISCREPANCIES ON MY REPORT. I WOULD LIKE FOR THEM REMOVED FROM MY REPORT

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
equifax, XXXX  and XXXX  are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XX/XX/2021 I sent Navy Federal Credit Union an Affidavit of Truth and Lending certified mail regarding a fraudulent auto loan that they approve on my behalf. The terms to the Promissory Note states The owner ( s ) of the collateral warrant ( s ) the he/she is the owner of the collateral listed on the front ; that there are no other liens or claims against the collateral.

15 USC 77q states It shall be unlawful for any person in offer or sale of any securities ( including security-based swaps ) or any security-based swap agreement ( as defined in section 78c ( a ) ( 78 ) of this title ) by the use of any means or instruments of transportation or communication in interstate commerce or by use of the mails, directly or indirectly and that contract promise was not fulfilled by Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: IL

Complaint narrative:
Transunion, XXXX, XXXX  has allowed XXXX XXXX  to report open account on my credit profile although I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as ofXX/XX/XXXX and has also cost me -45 points.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, XXXX and transunion are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, experian and XXXX  are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.

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: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: FL

Complaint narrative:
I was falsely under the impression that this loan was under a deferment or forbearance like other student loans during this international crisis. Apparently, this did not apply to my private student loan. 

This company, Mohela, has put me in financial dire straights before, forced me into bankruptcy, and caused immense amounts of stress on my family due to their horrible communication practices and unwillingness to assist in any way. 

In XXXX, I filed for bankruptcy under pressure from a defaulted student loanwith Mohela. This student loan had fallen into bad standing as I had called Mohela to file for an economic forbearance option and was not informed I had only placed this option on the federal student loan held by Mohela, not the private student loans they also serviced. 

I came out of bankruptcy in XXXX, expecting to have accounts reset and be able to start with a fresh slate, and Mohela had not done any of these things as my other accounts with other creditors had. My forbearances were never reset, I was out of any available options when financial hardships arose, as they had already exhausted these options prior to and during the bankruptcy. 

When the bankruptcy period was over, and payments resumed for this loan, they were entirely too high for my family to afford. We contacted Mohela to put a payment adjustment in place, and they do for a time, but it expires, and each time, we file for a new modification. They want more and more information, and they do not contact us to tell us it's missing. You must log in to the website to find details. 

This year, as stated before, I erroneously thought this company would be giving us relief due to the pandemic, and instead, what they did could only be considered postal harassment. We tried to apply for a payment deferment in XXXX, a payment modification, anything to help get us through, and they denied us for missing income verification. 

Now we are receiving letters telling me I have defaulted on this loan, and to contact the legal department, during a global pandemic, during an unprecedented time, and during a time when student loans were supposed to be offering relief. 

I am feeling backed into a corner here. They offer no options to 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 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed false reporting of a XXXX XXXX account on my report in XX/XX/XXXX. Experien stated that it was verified, however the information being reported ( repossession and balance ) were not true. Fast forward to XX/XX/XXXX, I received a letter ( enclosed ) from XXXX XXXX stating such and refunding me money owed due to their negligence. However, when I tried to redispute this with Experian to have the account removed, their system will not allow it.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, Equifax, XXXX  has allowed XXXX XXXX to report open account on my credit profile although I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as ofXX/XX/XXXX and has also cost me -45 points.

Company response to consumer: Closed with explanation