vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
Dear XXXX : I had applied for a conventional loan in XX/XX/2019 with XXXX XXXX, which then merged with CrossCountry Mortgage out of XXXX, Ohio. My loan origination was subsequently transferred to XXXX XXXX XXXX, XXXX. After providing all required documentation or the loan, my loan was conditionally approved. 

About 2 weeks prior to closing, I was asked to provide additional documents on my marital separation agreement. Based on obligations discovered in the separation agreement, XXXX XXXX sent a few emails saying that the loan may not be able to work, but kept refusing to give me a straight answer on whether the loan was denied or not. I sent additional income statements such as 5 year annuity payments, but his underwriters did not know or would not consider them. XXXX XXXX would also not call me as I requested but would sent infrequent short emails as he saw fit. With just days before closing, he asked me to work with other lender if possible, and to revert back to him if I needed to. 

With couple of days before closing, I made the difficult decision to stop the process. I put my paid escrow money of {$3000.00} in jeopardy, which I still have not been able to recover. I asked XXXX XXXX for a denial of loan document which he finally was able to provide. I repeatedly asked XXXX XXXX for a venue/person/website to complain, which he totally ignored, and did not refer me to anybody. 

I am not disputing the decision to not XXXX me loan, but I'm extremely disappointed with the way XXXX XXXX was trained to handle this situation as time was running out. He could have handled this situation better with a professional phone call taking five minutes of his time, or referred me to someone else within his company, or a place where to complain. His employment company would be well advised to retrain him in basic customer relations, communication skills, and let him know how to offer redress options to his clients. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regarding Capital One Payment History The payment history that is reporting from Capital One Mortgage is incorrect. 

Capital One transferred the mortgage to XXXX in XX/XX/XXXX. 

Prior to the transfer a forbearance/modification with Capital One was in place to correct the payment history and clear the matter. The agreement with Capital One was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted Capital One in XX/XX/XXXX to request relief due to the flood. Capital One created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and Capital One initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later Capital One denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX/XXXX. We called Capital One and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX. 

However, Capital One did not hold up their end of the agreement. We contacted Capital One several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by Capital One. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. I have reached out to the FTC and to my local police department. Again I am doing this all on my own and can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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:
XXXX and XXXX are incorrectly reporting to XXXX and Experian duplicate items in the amount of {$10000.00} on the XXXX account number XXXX and the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) This duplicate reporting of the same account is harming my credit score and is a violation of the Fair Credit Report Act. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2019-08-14 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: GA

Complaint narrative:
Yesterday I went to the dealership, shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department. I am doing this on my own and I need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX  XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX  XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.

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 2019-08-14 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: LA

Complaint narrative:
Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make XXXX modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: LA

Complaint narrative:
Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.

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 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I hope you can help us, as we don't know where else to turn. We were given your name ( CFPB ) by XXXX XXXX XXXX and they advised us to contact you because of the trouble we are having with our current loan company and their unfair practices. 
We currently have a mortgage with Select Portfolio Servicing, SPS. Our current percentage rage is 8.85 %. We were looking into refinancing with XXXX XXXX XXXX and that's how we found our issues with SPS. There are 2 complaints I am filing against them today. 
SPS is stating we owe them {$9300.00} in escrow/delinquent taxes, from XXXX and XXXX. We never signed up for the escrow, as we pay our taxes outright every year. We paid the taxes in question and even have receipts for them. On XX/XX/XXXX, I filed a discrepency with SPS about the owed taxes and they said they would " have their team look into it. '' A few days later I got a phone call stating from SPS that they found no discrepency and we owe the {$9000.00}. We told SPS that we have paid receipts for the taxes in question and they said it didn't matter, we still owed them the money. I am attaching a copy of the paid tax receipts in this complaint. 
The other complaint is, SPS told me I am behind payments, which I was not. But they said it was a missed payment from between XX/XX/XXXX and XX/XX/XXXX. But SPS never told me about a missed payment SIX years ago. If I knew about this " missed payment '' I would have paid right away. Instead, they waited SIX years to tell me. I was never notified about this in XXXX. So for six years, I've essentially been behind a payment, without my knowledge. 
We are trying to refinance this current mortgage with XXXX XXXX XXXX at a rate of 3.8 % instead of the current 8.85 % with SPS. 
XXXX XXXX advised us to contact CFPB before they can proceed with our loan, because of the current issues and unfair practices of SPS. 
If we can get the mortgage with SPS settled, then we can proceed with XXXX XXXX. 
SPS holds the title of our property and has threatened Sheriff 's Sale because of these " owed '' taxes. 
Please help us. You are our only hope. We don't want to lose our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: NV

Complaint narrative:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I opened a checking account through BB & T on XX/XX/19 by clicking on a banner ad on the bank 's homepage. The ad advertised a {$200.00} bonus if certain conditions were met : 2 direct deposits of {$100.00} or 3 bill-pays of {$25.00} or more, within the first 75 days of account opening. I completed the 2 direct deposits on XX/XX/19. The terms stated account would be reviewed between 75 and 90 days of acct opening. 

I sent a secure message on XX/XX/19 asking when I would receive the bonus. Message changed the terms and stated acct would be reviewed between 75 and 120 days. 

I sent another message on XX/XX/19 asking when i'd receive the bonus and was told that no promotional code had been attached to my account. This is not possible ; I opened the account by clicking through an ad on the homepage and no code was needed. When opening the account, it was clear the promotion had been applied. 

In addition, when I first messaged on XX/XX/19, the CSR made clear my count would be reviewed and never said there was no code attached. 

After multiple phone calls and secure messages, I have been told that a code has been added to the account ; however, no bonus has been given, and no one will tell me when/if it will be. 

This is not the only issue I've had with BB & T. The terms upon opening the account say no monthly maintenance fee will be charged if I maintain a {$1500.00} avg bonus or have {$500.00} in direct deposits ; no time period is stated. However, as the name of the fee implies, I assumed it would be monthly. I did not learn until a few months in when one paycheck was lower than usual that the fee is charged per statement cycle. Nowhere is this stated. I had already changed my direct deposit so that I would have {$500.00} per month, but it did not work out to be {$500.00} per statement cycle. It took multiple secure messages and threatening filing a CFPB complaint to get the fee refunded. 

Every experience I've had with BB & T has been terrible. They do not make clear when/how they charge fees ; they regularly do not attach promotional codes ( the same exact thing happened to my wife ) ; their customer service is slow and non-responsive. I've communicated with : XXXX, XXXX, XXXX, XXXX, and 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