vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: KS

Complaint narrative:
I recently filed a dispute with Equifax for an account with XXXX XXXX XXXX  that is still reporting. I stated it needed to be removed because the DOFD is showing XX/XX/XXXX and pointed out that there is a huge discrepancy in how this trade line was reported to the credit bureaus. 
This account naturally aged off my XXXX credit report XX/XX/XXXX and was removed from my XXXX  credit report XX/XX/XXXX. The DOFD reported to Equifax is an EIGHT MONTH DIFFERENCE from Experian. 
Equifax sent me an email on XX/XX/XXXX stating dispute is complete and added the remarks : Account previously in dispute - Now resolved by data furnisher. 
Obviously Equifax has done no real investigation and is merely parroting what XXXX XXXX XXXX  told them. 
How does XXXX XXXX XXXX  report a DOFD of XX/XX/XXXX to XXXX, and then wait EIGHT MONTHS to report a DOFD of XX/XX/XXXX to Equifax?? This is grossly erroneous and I have recently been denied an auto loan because this also is reporting as a recent derogatory. 
XXXX XXXX XXXX  has unlawful reporting practices. I filed a dispute against XXXX XXXX XXXX  in XX/XX/XXXX because they reported my account as Charged-Off and Sold to Another Lender, yet they were still reporting a balance even though they sold the account several years before. 
I have also asked XXXX XXXX XXXX  to provide documentation in XXXX to substantiate the information being reported to the credit bureaus. They produced no paperwork. It is illegal for any creditor to change the DOFD,  but clearly XXXX XXXX XXXX  has done this and Equifax just looked the other way. 
I want this XXXX XXXX XXXX  account removed from my Equifax credit report because the statute of limitations has expired and my reputation is being damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CA

Complaint narrative:
( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and XXXX representative said it was a mistake ( XX/XX/19 ). 
I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score. 

Help is much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CA

Complaint narrative:
I applied for a personal loan today XX/XX/19 and I was not approved because when they ran y credit, they said that there was an account and some inquiries reflecting badly on my credit report. That account does not belong to me. I did not open that account and I did not allow anyone to open this account in my name. I have never opened an account with that company nor did I ever make any purchases or payments towards the account that I have listed on this report. I filed a police report as soon as I found out about these unauthorized items on my credit report.

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 2019-11-13 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: CA

Complaint narrative:
I applied for a personal loan today XX/XX/19 and I was not approved because when they ran y credit, they said that there was an account and some inquiries reflecting badly on my credit report. That account does not belong to me. I did not open that account and I did not allow anyone to open this account in my name. I have never opened an account with that company nor did I ever make any purchases or payments towards the account that I have listed on this report. I filed a police report as soon as I found out about these unauthorized items on my credit report.

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 2019-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: ME

Complaint narrative:
On XX/XX/19 I received an email Rocket Loans informing me that I have " Exclusive Offers. '' Shortly after submitting my application on the company 's website I received a response stating I was denied the loan. on XX/XX/19 I replied to the email requesting an explanation as to why I keep receiving offers to apply for the loan. I received a response from Rocket Loans Support stating the company uses an automated system and their decisions are based on credit reports and my income. I responded to that email by pointing out that the company unscrupulously soliciting business by misleading me, and I'm sure other consumers, into believing that I was qualified for a loan. On XX/XX/19 I received an email from XXXX XXXX, VP, Sales, informing me at all of the appropriate disclosures are at the bottom of the original email. As you can see in the attachment, the company clearly highlights the suggestion that one sees their respective offers before reviewing any disclosures. 
On XX/XX/19 I received two more offers from Rocket Loans, only a few hours apart. Clearly Mr. XXXX ' response is disingenuous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
On Wednesday, XX/XX/XXXX at approximately XXXX. EST, my ex spouse and I contacted Mariner Finance , LLC. regarding general information about our account. Specifically, we requested that Mariner Finance furnish us with periodic account statements so as to review payment history, information on the life of the loan, how our payments are being applied ( principal vs interest ), etc. 

I was informed, on the Wednesday call, that in late XXXX of this year my ex spouse submitted a " dishonored '' check and therefore she was denied access to review such account information. However, she would be granted access once the company worked out the " kinks '' in its online system, and approximately six ( 6 ) months after the dishonored check incident. To be clear, we have submitted money orders for nearly five ( 5 ) months now and next month will be the six ( 6 ) month where we may or may not have access to account information. 

Personally, this raised a red flag for me as I am unaware of any financial institution prohibiting a customer/consumer from reviewing account information due to a " dishonored '' check. Perhaps the customer is not allowed to pay online, but being denied access to account information seems completely unjust and unlawful. 

I asked both the account representative and her manager was this company policy or in accordance with Federal law? Each noted company policy. Troublesome, indeed. To deny a customer access to account information on the basis of one unfortunate incident seems completely draconian and out of sync with normal business protocol and leaves the customer unclear of the basic information to make timely and accurate financial decisions. 

To the manager 's credit she did offer to send a payment history report to us for review, but that we could not gain access online at this time. In my discussion with both the manager and account representative, my ex spouse was on the phone call with me. 

Mariner Finance has had a string of complaints over the years, I am more than sure this issue is not endemic to the XXXX family. In short, there should not be any prohibitions or account restrictions ( at least viewing account information ) on active accounts. We are blindly making payments based on the amount our account rep says at the Mariner Finance branch office. This is overly cumbersome and completely off-base. And entirely against basic consumer rights.

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 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
On XX/XX/2018, I received a copy of a letter sent to my attorney who was representing me in a family law matter. Prior to this, the alleged debt was disputed pursuant to the Fair Debt Collection Practices Act and no validation was given to me. The company, Resurgent Capital Services, was not notified that Mr. XXXX was representing me and did not have my express permission to contact him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
The beginning of this year started off bad for my family and I. I called M & T Bank looking for some type of assistance, which I feel that I was not successful in receiving and was lied to which resulted in additional months going by. M & T Bank will not accept any funds from me unless it is the full 8 months past due. I was told to apply for a loan modification even thought I told the representatives that I had received a modification within the last 24 months and I don't qualify for another one. I was told I would be fine and there are other options to help me catch up forbearance, repayment plan, etc all of which I was denied. When I first started asking for assistance i was around 5-6 months delinquent now I am 8 months delinquent. I have 6 of the 8 payments that are past due, but M & T is refusing to accept and payments or work with me at all. I had a representative by the name of XXXX or XXXX both verbally tell me and notate my account that I can make the 6 payments and when I called back to do that I was denied. I don't know why there is so much misinformation and incomplete answers from this 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 non-monetary relief
Consumer complaint received 2019-11-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NH

Complaint narrative:
Purchased, by phone, two chairs on XX/XX/XXXX. Never received the items ordered. When informed the Bank originally refunded the amount charged and interest. Subsequently the refund was reversed and the charges were reapplied to my account. 

The bank sent me a copy of two pages of a seven page FAX they received from the shipper which does not specify by name where or to whom the claimed delivery was made. 

I filed a police report in which both the merchant and the shipper stated the items were never shipped and were never delivered. 

I notified the Bank and sent them a copy of the police report. They have refused to adjust my account or even to acknowledge the report. 

I was able to contact the merchant who told me the funds had been removed from his account in XXXX of XXXX. 

I contacted the office of the president of the Bank, several times, and have received replies from agents identified only by first name. 

I contacted the office of NH Senator XXXX. An assistant from that office agreed to try helping me. The Bank did not change their position after hearing from Senator XXXX office and have refused to credit my account. This inquiry was acknowledged by a letter on XX/XX/XXXX. 

XX/XX/XXXX I received a letter from the bank saying that a refund was forthcoming. XX/XX/XXXX I received another letter saying there would be no refund.

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 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I can't redeem my points for cash back or for anything. It says I'm not enrolled, but I'm earning points. I should be able to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: IN

Complaint narrative:
On or about XX/XX/2019 I called to make a car payment with Capital One Auto Finance. I made my credit card payment online, but I have been told my auto loan account was set up differently and I can not pay online. No one seems to know how to fix that, so I have to pay over the phone, which is highly inconvenient. I called on XX/XX/XXXX to make my car payment. It was due XX/XX/XXXX and it was up-to-date. Their system was down. They told me to call back. I called back over the next several days and was placed on hold or hung up on repeatedly. I kept track and I literally spent 149 minutes over 3 days trying to make my payment again. I was traveling the next week and did not have the time to sit on the phone and wait, although I did try up to the XXXX to make the payment. The phone calls were disconnected repeatedly. They reported me late making that payment. I have spoken to no less than 10 people regarding this at Capital One. I spent 4 hours and 8 minutes, speaking to 7 people on one day with no resolution. One hand had no idea what the other was doing and I got different information. I am trying to buy a house and that late payment is the ONLY thing holding me up. I am very unhappy with Capital One Auto Finance. And this is not the only time this has happened. All I want is for them to waive the XX/XX/2019 late payment on my credit report. That is all I ask. And I think it is a small request for all of the inconvenience I have gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: GA

Complaint narrative:
A joint vehicle loan was paid off on full as a trade in by the XXXX main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.

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 2019-11-13 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: CITIBANK, N.A.
State: MA

Complaint narrative:
This account has a lot of missing information to tie this up to me. I have been disputing for awhile now and I am still getting this kinds of account. I am trying to get help here. Clearly if you will just take a look, this reported account is empty and invalid.

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 2019-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: PA

Complaint narrative:
In XXXX, the mortgage company ran an escrow analysis which showed an escrow shortage on our account. In XXXX XXXX payment, our payment showed significantly higher because of the shortage but because we could not afford the shortage of approximately {$3000.00} at the time, we paid the mortgage due. Mid XXXX, we paid the escrow shortage of {$2700.00}. Weeks go by and to our dismay, Homebridge misapplies our escrow shortage payment to XXXX XXXX   mortgage payment, which is why we did not have a XXXX payment due. I was expecting our payment to go back to normal. 

I call the mortgage company repeatedly to get them to reapply the payment and fix our monthly payment for XXXX. This takes multiple phone calls. XX/XX/XXXX rolls around and the XXXX payment is still showing the incorrect payment amount and they still have not updated it. Then, they finally move the funds around to our escrow, however, they run another escrow analysis WITHOUT MY PERMISSION, showing another ESCROW SHORTAGE of another {$400.00} after I HAD PAID THE INITIAL {$3000.00}. Around this time ( it is the second week of XXXX ), I have called them repeatedly to have them update the XXXX payment, and still to no avail, because I have gotten tired of waiting, I had no choice but to pay the XXXX mortgage payment + the {$400.00} shortage. 

NOW, we are stuck waiting for them to update XXXX XXXX payment. WHICH IS SHOWING the full payment amount AGAIN. This has been a whirlwind and I have been so incredibly tired of dealing with such a disorganized company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I have contacted Bank of America ( aka BofA ) several times to remove my PMI ; both in writing and customer service calls. I have made timely mortgage payments for over 9 years now, my balance is below 80 % of the original appraised value ( LTV ). 

I first contacted BofA in writing XX/XX/XXXX to have PMI removed ; my PMI would not be removed without a new appraisal being done was the response. 

I contacted BofA again in writing on XX/XX/XXXX to have PMI removed ; BofA said my PMI was close to bring removed. 

Recently ( summer of XXXX ), with a customer service call a BofA rep verbally shared that my PMI would be removed by XX/XX/XXXX. I just recieved my XX/XX/XXXX mortgage statement from BofA and my PMI of $ XXXX/month is still there. I'm puzzled and at a loss, no seeking CFPB 's assistance. Based on the Homeowners Protection Act of 1998 or HPA, my PMI should have been removed months ago.

I'm hoping the CFPB can help me 1 ) have my PMI removed, 2 ) Get any back PMI owed to me paid to me from BofA, & 3 ) get an explanation from BofA.

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 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an email from XXXX XXXX on XX/XX/2019 for their American Express card. The promotion that was offered was XXXX bonus points after spending {$1000.00} in first 3 months and 0 % Intro APR for 12 months. I received the bonus points but not the intro APR. I contacted American Express on XX/XX/2019. I was told they would investigate and for me to call back in 2 months. I called on XX/XX/2019 and was told again it wasn't a valid offer. The guy had me email him and his supervisor the email I received. He filed an appeal which also was denied. He called me on XX/XX/2019 and said him and his supervisor would still be working on it and he would get back to me. I haven't heard from him since. I also contacted XXXX via email and was told they don't offer any such promotions. I would like for American Express to honor the promotion that was offered to XXXX XXXX members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
OnXX/XX/2019, I deposited my cashier check that was wrote out to me in my business name, in the amount of XXXX. The check cleared on XX/XX/19. I stop at an atm got XXXX off and drove to the closet boa branch to get XXXX out of my account. I didn't have my phone so they could verify my account, even though I produce my I'd and debit card, I was told that I couldn't withdraw funds without my having my phone present. So when I got home I noticed that my account was locked, so the next day I went back to boa to straighten this matter and I had to go through a rigorous process. After 2 hours in the office they said they would call me after their review. I nevered heard back from them until 4 to 6 days later via mail, saying they had closed my business account and we're investigating my deposit. I tried reaching the right department numerous of time but keep getting the run around and being placed on hold for 30 to 40 mins a time. It's been 2 months now and I still haven't received my funds in the amount of XXXX dollars

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