vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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: NJ

Complaint narrative:
Hello. I disputed with XXXX XXXX at the end of XXXX about a false bankruptcy on my credit. They have since had it deleted. They have sent manual disputes and I disputed with the credit bureau as well. They keep coming back as verified when XXXX XXXX has clearly removed it from the report. They are refusing to delete this incorrect information even though I have provided valid proof. Also the addresses listed on the furnisher does not give out this information to credit bureau nor do I even live in any of those locations to have filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: NJ

Complaint narrative:
Hello. I disputed with XXXX XXXX at the end of XXXX about a false bankruptcy on my credit. They have since had it deleted. They have sent manual disputes and I disputed with the credit bureau as well. They keep coming back as verified when XXXX XXXX has clearly removed it from the report. They are refusing to delete this incorrect information even though I have provided valid proof. Also the addresses listed on the furnisher does not give out this information to credit bureau nor do I even live in any of those locations to have filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/20 I began a refinance application with AmeriSave Mortgage Corporation. I was working with XXXX XXXX, who accepted my payment of {$500.00} on this date as an application fee. To this date, almost three months later, my loan has not closed. I have been asked for the same documents on numerous occasions and l little to no communication from the lender. 

XXXX began the loan process with XXXX XXXX and paid {$500.00} XXXX through XXXX numerous issues uploading documents to the AmeriSave portal and asked Mr. XXXX to call me at least five times with no response. 
XXXX asked for an update, no response XXXX was told I did not qualify for the loan but Mr. XXXX would look for other options. 
XXXXDue to no further response from Mr. XXXX I asked to have my {$500.00} refunded. 
XXXX new loan process started over again with new loan XXXX experienced multiple system errors in portal and asked Mr. XXXX to call me. Mr. XXXX told me he could not call me because his headset was not working. 
XXXX more system issues, Mr. XXXX can't talk due to overbooked appointments. 
XXXX asked Mr. XXXX for an update on the new loan - no response XXXXcontacted corporate to get a refund. I was finally able to get someone to get me Mr. XXXX Manager 's name- XXXX XXXX XXXX Mr. XXXX contacted me via email and apologized for all the communication issues and told me he would personally see my loan through to completion. 
XXXX documents that were previously submitted were requested again- Driver 's Licenses XXXX documents that were previously submitted were requested again- photo 's of the house. 
XXXX I called XXXX XXXX and asked him if all of this are just delay tactics to NOT complete the loan and keep my {$500.00}. I again asked for a refund I am now convinced that AmeriSave is only interested in the {$500.00} loan fee and they do not actually process loans.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back 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 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have been trying to contact Bank of America for almost a month now. This is beyond ridiculous. I have advised Bank of America that I must IMMEDIATELY short sale my home. They are trying to push me into a modification. I CAN NOT do a modification because my 2nd lien holder is FORECLOSING! I am being foreclosed on my by my 2nd not Bank of America, I CAN NOT DO A MODIFICATION due to the amount owed to my 2nd. OPEN MY SHORT SALE REQUEST IMMEDIATELY STOP WASTING TIME!!! OPEN THE FILE!!! GET ME MY 30 DAY PAYOFF STATEMENT FOR 2ND LIEN AND SHORT SALE APPROVAL LETTER!! BANK OF AMERICA IS IN VIOLATION OF RESPA GUIDELINES WE HAVE SUBMITTED DOCS WITH ZERO RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Account XXXX XXXX XXXX XXXX ) I have a bank account with Bank of America Account ( XXXX XXXX XXXX ) that was recently closed, after being hacked into. 
On or around XX/XX/XXXX of 2020 I filed a claim and reported my account had been hacked into because I had charges on my account that were not mines. My claim ID was XXXX. While speaking with Bank of America they blocked my account and added an {$880000.00} hold put on my account. After that I had some important transaction that were declined. This cost me to have one credit card account closed ( Premier Card ) and my vehicle was repossessed ( Texas Trust ) due to this. Last statement for this account was a total return of {$10000.00} transaction that were closed. Without payment. 
I asked Bank of America to provide me with a letter stating why some transactions were being cancelled or not paid and state fraudulent activity was on my account. I spoke with them via XXXX direct messaging. They stated they do any letters and would not help. If they had of provided this I would not have had any issues and by law they have to provide something stating this if they go into my account and put it on freeze. As of right now I will be in financial ruin if they dont respond fast and provide me some type of letter that will help me. 

I also didn't get a new bank account until XX/XX/2020. So I had no money to withdraw from and had to max out some credit cards. 

Now the only way I can get my truck back is to pay the total of the loan, which is {$40000.00} until XX/XX/2020. I was only behind by 10 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 2020-09-21 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back 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 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In mid-XX/XX/2020, Bank of America called us to inquire about some questionable charges. We reviewed recent charges with the agent on the phone, and discovered that 16 of them were made in neighborhoods and towns where we never visit. The agent flagged them and assured us they would be taken care of. A different agent explained that some pre-activated replacement cards had been mailed to us recently. ( We had no idea the company was sending replacement cards, since our current ones were not close to their expiration date. Since the cards were pre-authorized, whoever intercepted the cards must have been able to start using them with no questions asked. ) The fraudulent charges were temporarily removed from our account, pending an investigation. We then received a letter dated XX/XX/2020 stating that the disputed charges were consistent with previous charges, and therefore we were responsible for paying them, which total {$2700.00}. I've called the service number several times to explain that the charges are NOT consistent with our spending history, because we never shop in the neighborhoods/towns listed for the merchant. That is how we identified the fraudulent charges in the first place. The agents on the phone continue to tell me that they are investigating, but they refuse to remove the charges while the investigation is pending. My next bill is due XXXX XXXX, and in order to avoid additional late charges and/or interest, I will be expected to pay these fraudulent claims. 

It has now been over 2 months since they knew about the fraudulent charges. Bank of America has had ample time to investigate and see for themselves that the charges are not consistent with my history. They are refusing to take responsibility for their own lack of safeguards. If they had notified us that replacement cards were coming, or required the cardholder to call from their home phone in order to activate the cards, or if they had a mechanism to close out the existing cards when the new cards were used for the first time, then we could have avoided this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX of 2019 I reached out to XXXX used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under  warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX of 2019 I reached out to XXXX used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit  score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX of 2019 I reached out to XXXX used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under  warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, My Capital One auto loan was priced at XXXX at a 14.06 % interest rate. I paid XXXX x 63 months from XX/XX/XXXX through XX/XX/XXXX. It was paid off 9 months early at XXXX. However, so far I have paid XXXX. With 9 months left at XXXX the balance due is XXXX. I was also charged for extended warranty which I have documents indicating that I did not request. It appears as if they are going against the Truth in Lending Act and are writting with a crooked pen. Capital One will not answer questions such as ... What interest was I actually paying and if it was compunded daily how much was I being charged for the loan daily? Also, considering that the car was a total loss, Why am I having to pay interest on a portion of a loan repaid early? Attemtping to be recompsense from Capital One auto finance has become excruciating and tedious. Please help. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I appreciate your help with the spirit of the Cares Act. This issue I have with a mortgage loan with BB & T Bank and applied and received a forbearance for their home mortgage. In the Cares Act it states that when borrower request to end forbearance and begin making the mortgage payments that the lender / service provider : By extending the term of the loan for some amount of time to pay back the missed payments. For example, if provided a six-month period where you dont make a mortgage payment, your mortgage servicer could add six months of payments on to the date when the loan is scheduled to be paid off ( the maturity date ). This would be one form of a loan modification. BB & T on XX/XX/2020 sent letters that they will be able to provide this type of loan modification. Now at this time after talking with BB & T today they are not making this loan modification but they asking for lump sum payment and no loan modification as mentioned before. I was informed this is a recent policy change that affects all home mortgages in forbearance. I have ask to speak to a manager to clarify this and to receive documentation to this effect and still waiting for a reply. BB & T is a local institution and I am requesting someone to reach out to them from your office to discuss this policy change that goes against the spirit of the Cares Act and puts undue burden on anyone in mortgage forbearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MORTGAGE LENDERS OF AMERICA
State: NC

Complaint narrative:
Dear Sir or Madam, Zillow Home Loans has, over the past two months, been issuing debt collection notices and refuses to correct a matter that they acknowledged on XX/XX/2020 has been paid in full. Since I am continuing to receive letters regarding debt collection with threats of potential foreclosure, I am filing the complaint to the Consumer Finance Protection Bureau. 

Attached is an XXXX file with a list of Exhibits based on the chronology for when they were received/sent by myself. As you will see, Zillow Home Loans has turned the loan over to servicing to XXXX   effective XX/XX/2020 ( Exhibit E & P ). The XX/XX/2020 payment was received and processed by Zillow Home Loans on XX/XX/2020 as evidenced by the stamp on the cashed check ( Exhibit S ). The XXXX payment was collected by XXXX on XX/XX/2020 as evidenced by the XXXX mortgage statement from XXXX ( Exhibit AD ). Despite all this and continued attempts to follow up with Zillow Home Loans, the matter remains unresolved. 

I sincerely hope for a fast resolution to this matter and can only hope that this is an isolated incident with Zillow Home Loans. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation