vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX, Loan Officer, NMLS XXXX, at Flagstar Bank to inquire about refinancing my mortgage. XXXX told me it would take 60 days to refinance my mortgage. I began the refinance process with Flagstar Bank. I paid Flagstar Bank an appraisal fee of {$550.00}, which was charged to my credit card on XX/XX/XXXX. The appraisal we performed on my home on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the refinance process with Flagstar Bank because they were taking to long. When I contacted XXXX to inquire why the delay, he told me the loan processor was out for 2 weeks and caused a delay in processing my refinance. Interest rates were rising and I did not want to delay refinancing my mortgage any longer. I switched to another, more responsive, lender. I began the refinance process again. Since I had already paid for an appraisal, I had requested Flagstar Bank to transfer the appraisal to my new lender, which they did. When it came time to sign my loan documents for the refinance, I noticed on the Borrower ( s ) Closing Statement a charge from Flagstar Bank for {$610.00}. I contacted my Loan Officer and she provided me with an invoice from Flagstar Bank for {$610.00}, that was sent to my escrow company, for the appraisal stating " Paid Status : UNPAID. '' I called Flagstar Bank 's customer service on XX/XX/XXXX and explained the situation to them. When I asked her to provide me with a paid invoice showing I paid for the appraisal and the fee of {$550.00} was charged to my credit card on XX/XX/XXXX, she declined to do so. I told her I am filing a complaint with CFBP, she did not seem to care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
STERN RECOVERY SERVC XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX 2 charges 1. {$150.00} 2. {$510.00} They removed it from my XXXX XXXX but still shows up on XXXX and XXXX  credit reports which is effective my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank was the lien holder on my vehicle which was involved in an accident on XX/XX/2021 that resulted in a Total Loss. On the date of the accident, the balance owing was {$17.00} XXXX. I continued to pay my installments to keep my account current while the insurance company was processing the property loss claim. The insurance eventually paid {$14.00} XXXX. On XX/XX/2021 I canceled the mechanical protection plan with XXXX XXXX XXXX XXXX. On XX/XX/2021 XXXX XXXX issued two checks to US Bank for this refund. One check in the amount of {$480.00} & a second check in the amount of $ XXXX.Please see the cashed attached checks. It came to my attention in XXXX that US bank had not applied these checks to my account. Then began my almost daily calling to US bank to trace the checks. Every time I called, there appeared to be no evidence of these checks or my previous calls. I followed up with XXXX XXXX and received copies of the cashed checks. I emailed, snail-mailed and eventually in desperation faxed the copies of these cash checks in a desperate appeal for help. But all I received was a collection note which I immediately responded to and was given the same treatment. I have literally spent hours calling US bank, following up with emails & more phone calls, and last night when I received a notice that my credit report now has a delinquent notice reported I decided to lodge this complaint. Please can you help. This is very unfair and has very serious ramifications on my credit and my life. I have worked very hard to have impeccable credit and this incompetency is completely unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
The company listed on my credit report is TD Bank/Target Credit. This was discharged in Chapter XXXX Bankruptcy but was never removed from my credit report. Their address is XXXX XXXX XXXX, XXXX, MN XXXX. Please advise. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
So I had filed for Bankruptcy Chapter XXXX on XX/XX/XXXX and then it was dismissed by the courts on XX/XX/XXXX due to failure to appear in court, but it was actually because I was in the process of having an attorney help me and I had filed the wrong information and needed help so they wouldn't let us use my original case we had to open a new one, so the court automatically closed it due to non appearance. The second one was opened XX/XX/XXXX and closed on XX/XX/XXXX. Both of these cases were not finalized and finished through the court system meaning where the courts discharged my bankruptcy and I had to pay anything or they paid any of my creditors. These bankruptcies were not finalized and finished therefore they should not exist on my credit reports since we didn't follow through with the actual BK. I should not have to suffer with a BK public record when we didn't even finalize anything and go through with the actual BK. Please have these both removed from all three of my reports. I have my documents if you need them to show the dismissal was on my end not the courts end and that there was nothing finalizing the actual BK Cases. Case numbers XXXX XXXX This is all through the Arizona Bankruptcy Courts and I have reached out to XXXX, XXXX and Transunion and nothing has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
We own a restaurant in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I borrowed {$12000.00} USD from a loan provider by the name of Great Lakes while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Lvnv funding llc at XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX has been sending collection notices in the amount of XXXX dollars. The collection has been reported as past due. I do not owe this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: CO

Complaint narrative:
My family went about refinancing our mortgage starting in XX/XX/XXXX. We reviewed several rate aggregator sites including XXXX. XXXX advertises rates for different lenders and even has an advertiser disclosure : The listings that appear on this page are from companies from which this website receives compensation It was on this site that we found XXXX. Who was advertising a 1.75 % interest rate with 0 points on XX/XX/XXXX. It was also shown as 1.75 % APR. I clicked through the link to the site at that time and began my application. I was shocked when after my first completion of data the Rate was 1.75 % but the APR was considerably higher. I emailed the loan officer about this and they made an adjustment claiming that they added {$8100.00} in concessions to the loan in order to honor the pricing, however, they changed my own selections on several different aspects of the loan which would be about ( 63 % LTV ). They changed my escrow preferences to utilizing Betters services, when I had originally indicated I would continue to pay my home insurance and property taxes without escrow. When I changed these items back the loan added what I think I recall as {$250.00} in points, despite the advertising being {$0.00}. I asked for this to be adjusted and they claimed this was a change of circumstances. No where on their website can I find that escrow is a required aspect to receive their advertised rates. I checked XXXX website and it is also not addressed. If this was common practice then it should be spelled out. Over the next two days while I completed their tasks, the points rose again close to {$250.00} per day to approximately {$750.00}. Final closing amount was {$720.00}. All this time they were continuing to advertise on bankrate the 1.75 % Rate and 1.75 % APR despite my loan getting more expensive. I asked about this as well and was told I wouldnt have the rate honored again. I decided I would work to finalize the loan because of the good rate ( which they advertised ) and closed on XX/XX/XXXX. I followed up with their customer service via a feedback survey after closing to which I received no response by XX/XX/XXXX. On XXXX I sent an email to the email that asked me to fill out the survey asking about this issue with advertised rates not being offered. Both from my initial application and after they changed the setup of my loan. After several emails with a Client Success Advocate, I was also told that because I didnt lock my rate for 3 days and the market pricing had fluctuated. I have screenshots from the day I locked my rate and from 8 days after I locked my rate showing the 1.75 % /1.75 % APR still being advertised. I believe Better is advertising rates they dont plan to honor and even if asked they work to create situations to drive their own profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I borrowed {$12000.00} USD from a loan provider by the name of XXXX XXXX while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I borrowed {$12000.00} USD from a loan provider by the name of XXXX XXXX while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I borrowed {$12000.00} USD from a loan provider by the name of XXXX XXXX while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 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: OH

Complaint narrative:
I HAVE SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: OH

Complaint narrative:
I HAVE SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXXXXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: CO

Complaint narrative:
They use a number that spoofs someone from my state. It shows up as spam risk and I have told them to stop calling me. They are now harassing me. The most recent was XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XX/XX/2021 at XXXX mountain time i received a call, that i requested, from professional finance company XXXX a ANd i asked for proof of the debt and everything, the lady, which she said our conversation was being recorded, told me she did not have proof and so i was given instructions to request proof so they could request proof from the company. If this is so, how did my dispute get denied twice due to the company providing proof? They have not had proof ao i need this removed from my credit report. Reference number XXXX with professional finance company and XXXX  XXXX XXXX, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: OH

Complaint narrative:
I HAVE SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXXXXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: CO

Complaint narrative:
They were told to stop calling me, they use number of my state that is spoofed. It shows as spam risk and I told them I will pay when can afford it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX, FL XXXX ( XXXX ) XXXX 3 accounts 1. {$75.00} 2. {$75.00} 3. {$260.00} I called advised these were removed from my credit report because fraud identity and months later they have not been removed from my credit report which is effective on my score

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