vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
I had an unexpected charge drafted out of mt checking account. I immediately contacted both the vendor ( for a refund ) and the bank to explain. I was informed by the vendor that a refund would be issued, but will take several days. This overdrew my account. Upon talking to the branch manager and explaining that my family was experiencing extreme financial difficulty due to the covid pandemic. He refused to refund or stop the fees from being deducted. For an approximately XXXX $ overdraft I was charged {$140.00} overdraft fee and counting as of this complaint : ( I, ll never get it positive as I can not drive atm to the location physically to close the account or make payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX XXXX I contacted Discover customer service through their website chat application. I had received a 30 Day late report and I wanted to avoid further delinquency on the account. I told the agent who I chatted with that I was unable to pay the full balance on the account due to continued hardships due to Covid 19. I then told the agent I was unable to pay more than {$120.00} of the balance due. The agent stated they would accept the amount and then offered me a payment reduction plan that would lower my interest rate and my monthly payment and if I would be interested. I inquired if this would result in my account being closed and was told it would only be a suspension. I agreed to the disclosed terms of the agreement and authorized a {$120.00} payment. I then asked the agent if that payment would apply to the XXXX payment or if I would need to make an additional payment. He responded correct and that my plan would update to reflect the agreed up on {$100.00} payment for XXXX. On XX/XX/XXXX I received an email notification that there was a change to my credit file. When I reviewed my credit file Discover reported a 60 day past due on my account. I again contacted Discover through the Chat feature on their website and was informed that the arrangement I made did not stop the delinquency and it would continue to report. When asked why this wasnt explained in the XX/XX/XXXX Chat the agent apologized and stated there was nothing that could be done. I further asked why wasnt I afforded deferment or some other relief as that was the reason I contacted Discover to prevent further delinquency I have yet to get a reasonable explanation. I was informed by the agent that when asked if I could make a payment and I stated not more than {$120.00} that was an offer of deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I had {$600.00}, {$600.00}, {$230.00} of my unemployment go to my cashapp account and they never made available to me. On XX/XX/XXXX another {$690.00} was sent to same account and a week later nothing to this day have been sent back to unemployment or made available to me. I logged into unemployment changed my direct deposit but my back money of {$3000.00} was sent to cashapp account giving a total of {$5100.00} and still saying they dont or dont see however I received plenty of payments from unemployment to this account so the account numbers was correct so I closed account and been asking them to sent back to unemployment so they can reissue them to my new account at XXXX bank and they refuse to as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I applied for a small business checking account through TD bank in order to apply for the PPP for my XXXX  XXXX.

I received an email that my application was received, but after about a week I had not received information from TD Bank so I called their customer service hotline. They told me that I could not be helped over the phone, and that I must make an appointment to go in person to a TD branch, despite the Covid-19 emergency.

I went to my local TD bank branch. A bank employee called the TD bank central number to check on my account application status. They told her they could not help at all, that it was no use for me coming into the branch. The bank employee apologized for wasting my time. I asked that they close the account and cancel the application, but I was told at the branch that was not possible.

I went home and opened a small business account, the next day, with a different bank. There was no delay.

A few weeks later, TD sent me a letter saying my account has been opened. I don't need this account because it's too late -- I already applied for the PPP through my other bank. I called TD asking for them to close my account, and they said -- once again -- that I need to go in-person to the branch. 

I refuse to waste any more time with this. TD bank needs to close my bank account, which has a XXXX balance and I have never used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 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: CA

Complaint narrative:
The credit agencies were notified VIA CERTIFIED MAIL on XX/XX/XXXX that I was disputing two items ( XXXX ) on my report. The mailings were confirmed received. They were also notified via regular mail, per CA Code of Civil Procedure 1013, " Service is complete at the time of deposit ... '' NO ONE RESPONDED. I then notified the agencies on XX/XX/XXXX that I had not heard from anyone and that their time to investigate was up. 

THEY ARE NOW RESPONDING TO THE CFPB THAT THEY ARE EITHER CONDUCTING THEIR INVESTIGATIONS NOW = TOO LATE OR THAT THEY HAVE PERFORMED THEIR INVESTIGATIONS AND THE CHARGES STAND. THESE INVESTIGATIONS HAPPENED AFTER XX/XX/XXXX, AFTER THE 30 DAYS THAT THEY ARE ALLOTTED TO DO AN INVESTIGATION, PER THE FAIR CREDIT REPORTING ACT, HAD EXPIRED. 

MAKE THEM RESPOND BY GIVING YOU THE SPECIFIC DATE ( S ) OF THEIR INVESTIGATIONS. IF THEY ARE AFTER XX/XX/XXXX, THEN THEY ARE BREAKING A FEDERAL LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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:
The credit agencies were notified VIA CERTIFIED MAIL on XX/XX/XXXX that I was disputing two items ( XXXX ) on my report. The mailings were confirmed received. They were also notified via regular mail, per CA Code of Civil Procedure 1013, " Service is complete at the time of deposit ... '' NO ONE RESPONDED. I then notified the agencies on XX/XX/XXXX that I had not heard from anyone and that their time to investigate was up. 

THEY ARE NOW RESPONDING TO THE CFPB THAT THEY ARE EITHER CONDUCTING THEIR INVESTIGATIONS NOW = TOO LATE OR THAT THEY HAVE PERFORMED THEIR INVESTIGATIONS AND THE CHARGES STAND. THESE INVESTIGATIONS HAPPENED AFTER XX/XX/XXXX, AFTER THE 30 DAYS THAT THEY ARE ALLOTTED TO DO AN INVESTIGATION, PER THE FAIR CREDIT REPORTING ACT, HAD EXPIRED. 

MAKE THEM RESPOND BY GIVING YOU THE SPECIFIC DATE ( S ) OF THEIR INVESTIGATIONS. IF THEY ARE AFTER XX/XX/XXXX, THEN THEY ARE BREAKING A FEDERAL LAW!

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 2020-08-04 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 have disputed the inaccurate reporting on XXXX accounts ( XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX, Account # XXXX ) with Equifax numerous times over the last XXXX years and each time Equifax sends me a notice stating that they have either verified that the accounts are reporting accurately or that the accounts have been updated. Equifax has. not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that Equifax verified the accuracy of the accounts and/or that the accounts were updated. Below is a list of disputed inaccuracies on both accounts : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: PA

Complaint narrative:
I was in the market to renovate my bathroom, and believed that I made the right choice at the time when selecting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, NJ XXXX Ph : XXXX or XXXX a/k/a Aqua Finance to help me. It was done in XX/XX/XXXX. The problems are as follows : 1 ) I asked about the high interest rate of the loan ( $ XXXX ) ;  and why did it look like my balance was not going down. This is all new to me, and I never knew they could short-change consumers with not telling the entire story ( predatory lender ). I called several times, and they alwas blew me off. UPDATE : when searching for XXXX XXXX  on XXXX, it is now out of business. 

2 ) Aqua Finance is the same-they also have same loan and refuses to discuss why/how the amount never seems to change although payments were being made. Again, emails sent ( on their site and they refuse to answer forthright to my concerns ). 

Then to my horror, in XXXX XXXX, we had to get our kitchen ceiling attended to because it looked like it was about to fall any minute. I noticed it slightly, but never knew why. The contractor who has nothing to gain in lying to me, asked me to come downstairs and he pulled out ALL of the cement/debris the contractors stashed in my ceiling! So, not only did I have to pay to repair the ceiling, but also to properly have debris properly disposed of-which was supposed to have been taken away. It was paid for in this loan. 

Now, to date, they refuse to address why they feel no need to care about the out-of-pocket expenses that I have to deal with through no fault of my own. They were rude and abrupt saying " we have nothing to do with it and there is nothing we can do. '' The last time I spoke with them was prior to Covid-19 pandemic, and have not made any further payments because I feel was wronged, and have no need to make this up. 

Solution : My relief should come by way of cutting the loan in half, including interest rate for the fraudulent/shady practices that adversely affect me to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
PHH Mortgage issued a short sale approval letter XXXX, with an expiration date of XXXX. We submitted the final HUD for HUD approval to close and have not received final HUD approval. XXXX XXXX the real estate broker with XXXX XXXX called in and asked when can er expect to receive the HUD approval. PHH Mortgage said that the customer XXXX XXXX called in on XX/XX/XXXX and said that she doesn't want to do the short sale and that she wants to do a loan modification. XXXX XXXX called PHH Mortgage today XXXX and said she never called in to cancel the short sale. The title company met with the buyer and seller on XXXX to sign the final closing documents. The title company wired the funds to PHH and the {$3000.00} relocation assistance to the seller. The buyer now has possession of the home. XXXX XXXXortgage needs to issue final HUD for HUD approval so the title company can transfer the remaining funds and transfer the deed in the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have an issue with this Mortgage debt collecting company name SPECIALIZED LOAN SERVI Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX During the pandemic I was applied the Loan forbearance with the company and they was put my file on the programs and promised not report as late pay after 2 month later I find out this is as late pay on my credit report as Current, was past due 30 days Status date XX/XX/2020 the company reported XXXX as late payment which is the date I applied for loan forbearance I already paid all the payment now and never being late, I tried to contact them many times they don't answer the phone call and my credit report get red mark now

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 2020-08-04 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Ally Financial XXXX reported my XX/XX/2020 auto payment 30 days past due on my credit report when my account shows I have always been on time for making payment. I am trying to obtain a lease and a loan to help keep my bills afloat during COVID and to move and this is hindering my ability to do so. I have to be out of my current home in less than 2 weeks and I am unable to get a lease or loan because of this past due reporting. 

Ally reported this in incorrectly and falsely and is refusing to assist me timely. 

The attached account shows I made my 2020 payments timely including 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 explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened up a credit card account with Bank Of America 13 years ago as a college student. I used the credit card for years, but in the past few years I've used it less and less. I maintained a XXXX or near XXXX  balance on the credit card for the past year. Without warning, Bank of America recently closed the account due to " inactivity '' citing that they have the ability to do so within the contract. Since this is my oldest credit card accounts, my credit has been negatively impacted. The timing could not be worse as I'm in the process of purchasing a home. When I called to see if the account can be restored, I was told that closing of the account could not be reversed. 

I'm now in jeopardy of no longer qualifying for a home mortgage due to the negative impact on my credit score from a credit card account in which I had a {$0.00} balance.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: WV

Complaint narrative:
Today, I filled out a form on XXXX XXXX  to look at having my vehicle loan refinanced. XXXX XXXX   indicates that they do not do a hard credit pull on your credit report when doing this. I even spoke with a lender through XXXX XXXX that said they should not have pulled any hard inquiries at all and I should report it. I did receive an alert that a company called Flagship Credit ran a hard inquiry today XX/XX/20 without my knowledge or consent. I have never spoken to anyone from this company nor do I know anything about it. I assume they got my information from XXXX XXXX. I want this removed as I never gave permission and it was done without my knowledge.

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 2020-08-04 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: NJ

Complaint narrative:
My credit report contains inaccurate accounts and errors.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello there! 
I hope youre doing well today. This company put high inquiries on my credit file but I didnt give them authorization. 
They put inquiries on : XX/XX/2019 XX/XX/2019 Therefore Im asking them if theyd kindly remove those inquiries. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 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: IL

Complaint narrative:
I've paid for credit monitoring services with XXXX  for over a year and beginning XX/XX/20, I was unable to update my scores and reports with Equifax and XXXX. I contacted XXXX  with a help ticket and was in constant contact with them regarding this issue. They could not find an issue so I decided to contact XXXX  in order to receive my reports and scores from them. I confirmed my identity and was told that Equifax that I would not release my scores or reports as I did not have a valid credit file to release due to not having enough credit history or not having a long enough address history. When I contacted Equifax on XX/XX/20, I was told that they have no issues on their end and I show no freezes or blocks on my account that would prohibit a monitoring service from accessing my report to give to me. I was also asked to purchase their monitoring service for {$10.00}. I was then told after being transferred that their system was down. When I was transferred again, I was denied my request of speaking to someone that could fix the issue and told that everyone has the same access. They sent me a complimentary copy of my report and score as of today 's date, but still have not given me an answer as to why I can't get my scores or reports from any other monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I had an ER visit on XX/XX/XXXX with original creditor of XXXX XXXX XXXX XXXX. The visit was covered under my insurance of XXXX XXXX XXXX XXXX XXXX XXXX  and according to phone call with my health insurance provider on XX/XX/XXXX, they stated and I quote " They are an in network provider and they can not balance bill us for remaining amount of XXXX as the covered amount was paid so you owe this company XXXX '' The XXXX XXXX XXXX XXXX has turned this balance bill over to 3 separate collections companies, first they sent it to XXXX XXXX XXXX ( and this company reported this account as in collections on my credit report, also not good and needs to be removed ), then it went on to XXXX XXXX XXXX , XXXX , and most recently ( XX/XX/XXXX ) they sent it to Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: CA

Complaint narrative:
have not received credit report within the 30 days. 
will you please help me with this and make them send them 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