vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent your company my dispute on XX/XX/2021, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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 2021-10-26 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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 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 2021-10-26 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:
Disputed incorrect information over 30 days ago and haven't heard anything! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
on or around XX/XX/XXXX I submitted my bank statements to home point financial corp while applying for a refinance, in order to prove I had liquid assets, to refinance my mortgage, the loan officers XXXX XXXX and XXXX XXXX refused to count my bank statements. Despite the fact that they totaled over XXXX dollars and they said they didn't count. They subjectively refused my income documents and denied my application causing me to lose over XXXX in higher closing costs higher interest payments. I later applied for the same fha refinance program with another lender and was approved., I qualified as a self employed applicant in XXXX XXXX. Later in XX/XX/XXXX I tried to request another review with home point financial, but still they continued to refuse to consider my bank statements and XXXX income. I later reviewed found out they did not conform to federal XXXX XXXX or FHA lending guidlines, their practice was subjective and not objective and predatory. It was based on personal preference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
AARGON COLLECTION AGEN XXXX XXXX XXXX Account type Collection balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Your statement** CONSUMER STATEMENT** MY CREDIT CARDS WERE USED BY AN UNAUTHORIZED SIGNER WITHOUT MY PERMISSION.

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 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
I applied for refiance 2 months ago with XXXX XXXX he was then fired withpout notice i beleieve because of us. Everything was fine until he was let go. I tried to call company back manager never assigned a new loan officer had to deal with the manager never could get a hold of him on the phone at all., XXXX was his name. I already paid the appriaser before i was told that i only had to come in at XXXX on it came in at XXXX which was enough was not told i had some chunk in the rooms 2 of them and had would not get the loan. This was disclosed to me at all. I talked to XXXX he said he would give me a copy of the appriaer report and never did whci i was entiled to when i signed the loan docs. I beleive they has to tell me on the docs on a signed about the requirements of appaiser never told me. I talked XXXX and would do nothing to anything about this it has been one month have gotten nothing told me I could get a higher interest rate instaed. Thes guys are crooks. The name of the company American Fiancial Networ.I want my money back or something done he wont do anything the fact I couldn ot reach them and paid and not gotton the appriser report so I can see what happned on it. They are try deceive us and not shoew me the reopt by law. Thay also want to give me a higher rate like as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received notice on my XXXX credit report about a XXXX bill that was delinquent and had been bought by a collection agency. I do not remember having a XXXX account and this bill of over {$2500.00} that is more than 3 years or more old, possibly older, is not mine. I had an XXXX XXXX XXXX cell account and then I opted to switch to XXXX. XXXX paid my old XXXX XXXX XXXX account off and I continued with XXXX until XXXX XXXX caused me to not be able to continue cell service, because I wasn't able to work at the time. XXXX was helpful and that account was taken care of due to the declared disaster. Other than that, I have not had a cell account in my name, especially with XXXX. I wrote in and disputed in XX/XX/2021, and the Collection Agency said they had legal rights to collect and it was my debt. I have not been sent a copy of the signed, original contract, not have I been given any information at all about this account. I resubmitted a dispute today, and in the same day was told it was resolved and is mine. XXXX said that if I was not satisfied with the outcome of the dispute, I needed to contact CFPB. That is why I am here. I do not owe this bill and this collection company has not provided anything but a written statement to XXXX, stating how much I owe, that the claim is legit and it meets the criteria to be billed to me. I find this not only humiliating, dehumanizing and manipulative, but in a pandemic where we have just become homeless, and are doing our absolute best to be able to afford a motel room and food, as well as keep gas in our vehicle to get to and from work, this is causing a lot of undue stress and hurting my credit so badly, I will never get it turned around. I'm asking for a copy of the original, signed XXXX contract along with the phone 's serial numbers, IMEI numbers, phone numbers, date account was originally opened, where it was opened ( online or in store ) and the amount, if any that was paid up front for this account. Also, if the account had any money paid up front, were the funds, cash, credit/debit card or check. If credit/debit or check, I am asking for a print out of the payment method, as well as a copy of the address and phone number attached to payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
THE ACCOUNT IS INACCURATE AND I DID NOT OPEN I ATTEMPTED TO DISPUTE FROM MY CREDIT REPORT WITH ALL 3 CREDIT BUREAUS AND DEBIT COLLECTOR ITEM IS REALLY DAMAGING MY CREDIT REPORT AND MY CREDIT JOURNEY

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 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I worked with XXXX XXXX and others at Freedom Mortgage on refinancing my mortgage on an investment property in XXXX, TX earlier this year. I was told throughout the process that I would not be paying any points on the mortgage. In the very last couple of weeks, after *months* of working to making the refinance happen, getting the appraisal done, sending lots of paperwork, etc., they told me that I have to pay {$1000.00} in points, and if I don't like it, too bad. I complained and was told too bad, sorry. Given how invested I was at that point and that my other options I had looked into were gone, I went ahead and paid them to get it over with. I filed a XXXX complaint in XXXX. They eventually paid me {$500.00} of the {$1000.00} owed but are refusing to pay the rest. The XXXX complaint is ongoing. They keep making different claims, without proof, about how I caused delays in getting the refinance done, and I keep providing proof to the contrary, including emails and documents from their representatives recognizing and showing that they are at fault for the delays with the refinance. 

From the beginning, they told me verbally and suggested by email that the points would be on the Loan Estimate because I haven't yet shown via appraisal that I have 25 % + equity, but once I do, there would be no points. 
An early email : Me, in email to XXXX XXXX, Loan Advisor with Freedom Mortgage ( NMLS # XXXX ), on XX/XX/2021 : " The documents do show points/fees. Just to confirm, if my equity in the property is over ~22 %, I won't have to pay those points/fees, correct? '' Her response via email : " In regards to your first question if your home is 25 % or more in equity the points would be adjusted yes. '' Throughout the process, they would constantly acknowledge over the phone that they will/should remove the points, but avoided it in writing. I have copies of many many emails I sent specifically about the points that they simply ignored to minimize the paper trail of what they were doing. 

Late in the game they did acknowledge it in an email but then did not follow up : An email from XXXX XXXX ( Freedom Mortgage representative ) to XXXX XXXX, XXXX XXXX ( I believe XXXX 's supervisor ), and myself : " I spoke with Mr. XXXX and he was initially told that there would be no points being added to the loan. Are we removing those points? He is set to close on the XX/XX/XXXX. Can you please advise if when can proceed. " I sent at least *6* follow up emails asking for a response, but they never responded in the email thread.

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 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I signed up for a HSBC checking account with a {$450.00} dollar bonus offer. I waited and completed all of their qualifying activities. I called to inquire about this and HSBC said I never signed up for the bonus. They took my hard earned money and defrauded me out of an offer. This bank is engaged in fraud and should be investigated for misleading customers. Their own system timed out when I was filling out the application. Then I filled it out again and was approved. They refused to honor my bonus because of their own technical issue and I had to put all my direct deposit on their account, but they never gave me the bonus I deserved. This bank gave the worst feeling I've had with an institution, I felt cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK AUTO LOAN - LATE PAYMENT REPORTED I have two car loans with US Bank. First loan is set up on Auto payment. The second loan, the website would not allow me to set up auto payment for the same account. When I make payment manually, the website does not allow autopayment set up at that time. Finally I sent the paper form for autopayment. The form was never entered into the system. The payments were not processed and late payments were reported to credit agencies which negatively affected my score. Again no voicemail ever! 

When I asked US Bank why didn't you call me and left me a voicemail. They said they are not required to leave voicemail. Their calls and mails are drowned in tons of advertising mails and calls we get from US bank. They do not come on line but instead say press 1 to connect which sounds suspicious. They do not leave voicemail. The paper notices and emails are mixed with tons of spam mail. 

They reported and ruined our credit without ever talking to us or leaving a voicemail. I did my part by sending the form but they say they never received it. Their online system, mail system and phone policies are aligned to make us fail from making payment on time despite all good intentions. I had excellent score of XXXX now ruined. This is pure harassment and disregard for someone's hard work of while life by ruining their credit without making appropriate effort to convey message. All I needed was one voicemail. 

I offered to pay the entire loan so that this negative payment can be removed. I could not get anywhere with their customer service. I work very very hard for my family. As a XXXX I work hard at XXXX. I wake up at XXXX XXXX and do not look back. I feel frustrated and helpless where my financial situation is ruined by US bank. 

Bank 's system did not allow customer to easily make autopayment and did not use effective communication. In addition, made trivial effort to inform the customer hidden in tons of calls and mails without leaving one real voicemail before ruining the credit.

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 2021-10-26 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent SEVERAL letters and made multiple uploads to Experian in response to my credit file. Experian has not contacted me in regards to these letters or requests. Experian has BLOCKED my phone number from their system and I am unable to call them. They had me on written correspondence which I have sent in over 15 times along with 4 uploads to the website with no acknowledgement. The company needs to call me immediately and assist me with my credit file and they need to take me OFF written correspondence or I will be seeking legal action against the company.

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 2021-10-26 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: AR

Complaint narrative:
THE 3 MAJOR CREDIT BUREAUS ARE NOT RESPONDING TO MY DISPUTES, AND HE HAS BEEN WELL OVER 30 DAYS GOING PAST 45.. 

UNDER FCRA THEY HAVE TO REPORT 100 % ACCURATE INFORMATION WHICH THEY HAD FAILED TO DO SO. 

SINCE THEY HAVNT RESPONDED TO ME IN PROPER TIME, IN THIS CASE, MY DISPUTES MUST BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NY

Complaint narrative:
As previously notified, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VW Credit
State: TX

Complaint narrative:
Today they have sent a tow truck to come and steal my vehicle in the middle of the night. I have told them that I want to rescind the transaction and they havent responded yet. They have violated my rights as a consumer. I have explained to them that everything was paid for and they still took my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On or about XX/XX/2021, I went to Bank of America in XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ). I wanted to withdraw funds from my account, around XXXX dollars. I was met by a teller, XXXX XXXX, who refused to let me access my funds after multiple attempts to try to show her my id and secondary ids. She discriminated against me based on my skin color ( XXXX ). XXXX asked me for my debit card, I said I don't have have it. She suspiciously in a negative tone said, " where is your debit card? Why don't you have it? '' I told her I don't carry it with me, but I can show her my ID. She said, okay. I showed her my ID, then she said to go get my phone to get a verification code. I went ahead and got my phone and she said, she still could not give me money because my ID was " not verified. '' I told her I have given her proof of my id and my account ownership and she should give me my funds, she said no, I had to sit and wait to have my ID verified. I had never had this experience at any other branch. I gave her all forms of ID she requested, yet she still refused to let me access my account. I spoke to the managers at the branch and they treated me like a criminal. This was clearly discriminatory behavior by a white teller ( XXXX ) and I was humiliated out of the bank. I filed a complaint with Bank of America with the complaint number XXXX, and I have yet to hear from them.

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 2021-10-26 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: MN

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$220.00}, {$110.00}, {$79.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$180.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$890.00} The first dispute letter I have sent to the credit bureaus was on XX/XX/2021. The following month after XXXX, I still see information on these items that are reporting inconsistently. For one, I have disputed XXXX XXXX with the credit bureaus and debt collectors. However, I still see information reporting erroneously. XXXX XXXX XXXX XXXX, for instance, the date of last activity is reporting on different months which is no possible way the accounts were paid on 3 different days. 

I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citicards is a Racist company that refused to call me back. They obviously dont care about XXXX people and I will complain on XXXX again. XXXX charged me for {$47.00} on XX/XX/XXXX, I asked them to refund me. So the vendor XXXX gave me a refund for XXXX on XX/XX/XXXX. Then XXXX went against the charge XXXX Voluntarily gave me and charged me in XXXX for {$47.00}. So my charges dont add up, I am back down XXXX. Please refund me!!! They are racist and their racist customer service promised to do investigation and they never did.

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