vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX refuses to send permissible permission to access my credit report and continually claims my requests and complaints as duplicate. This involves account # XXXX. I have made more than 50 requests over the last two months and XXXX XXXX XXXX XXXX continually plays games and call request and complaints as duplicate.

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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
From To Date Summary Response XXXX Web Contact Us XX/XX/XXXX at XXXX EST   I received XX/XX/2020tax statement and requested for clarification on whether I have to pay this or new rez will pay. County Tax bills are sent as courtesy to me. New rez will pay. No further actin needed. 
Phone call to Customer Care XX/XX/XXXX at XXXX EST  Reg Tax payment not done Rep told me it is not done and send us a copy of bills. Which is totally opposite to what was told in email to me earlier i.e. no need to send any bills to new rez. 
XXXX XXXX XX/XX/XXXX at XXXX EST Requested clarification on tax payments not done. Attached copy of bills as courtesy No Response XXXX '' XXXX, XXXX '' XX/XX/XXXX at XXXX EST Sought clarification on tax amount paid & requested statement. Response not clear & New rez said no mistake on their end. 
XXXX Consumer Financial Protection Bureau XX/XX/XXXX at XXXX EST Complaint raised reg non payment of taxes from Escrow XXXX XXXX responded on XX/XX/XXXX with a letter stating " Taxes are current ''. 
XXXX '' XXXX, XXXX '' XX/XX/XXXX at XXXX EST Overdue Notice Received, attached copy of overdue bill XXXX XXXX XX/XX/XXXX at XXXX EST  Received a letter stating nothing is showing as overdue and all taxes are paid. 
XXXX XXXX XX/XX/XXXX at XXXX EST Requested XXXX to investigate and attached copy of bills still showing as not paid XXXX XXXX XX/XX/XXXX at XXXX EST  After a phone call to customer service, escalated to supervisor XXXX via email After the above mentioned chain of communication, new rez sent me a letter via secure email stating that they had paid 2 of my 3 pending bills on XX/XX/XXXX. And there is no error at their end since they are not responsible for paying interim & supplemental tax from escrow. 
If that was the case, new rez should have told me during my first contact that I need to look out for these interim and supplemental bills. After number of emails, complaints, phone calls, XX/XX/XXXX is the first time they mentioned that I am responsible to pay interim and supplemental bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XX/XX/2020 I am on a process of appealing to Webster Bank of Connecticut decision on denying once again my applications for a mortgage modification do to a hardship we have been going through. Also all the high interest I have been paying to Webster bank in the past 15 years no leaving me an opportunity to make any repair or investment on the house we are paying for. In the past year I was able to get approved to get a finance to install new windows in the house but with high interest rates, but I had not other options but doing that because in the winter is very difficult to support with drifting windows. The house need a lot work on siding/ insulation / plumbing/ electrical/ deck repair and soon roof cause the house is ready 24 years old. But is difficult to come up with any money to do all this repairs when I am paying high interest to webster bank that is making hard on me to keep this house. The House was appraised on today 's market for {$290.00} and I owe today XXXX not including what they added as 2nd outstanding principal they are claiming when I was told by an attorney 's office to stop making payments to force Webster bank to do the modifications for me. If I keep paying Webster bank this mortgage as it's today at the end this house will cost me at least {$800.00}, so far in 15  years I have paid Webster bank over {$170.00} in interest only. No bank want to give way an income of interest only of {$11.00} a year. I almost lost this house on a foreclosure about 7 years ago but with some help from our state senator, Webster bank give me the same mortgage for 40 years including the 2nd outstanding principal calling this a modification. In XX/XX/2020 I filled an application requesting a new modification to get me out of this mortgage in to a new 30 year fixed rate and make the payments affordable to give me a chance to safe some money to reinvest on the house that's in need but once again I was denied this opportunity stating that I can afford the payments and interest that they don't want to loose. I have not choice in also appealing to you as my last option to try to get some help on this matter that is ready a 15 years old battle. Attached I am including statements and documentation from the past and this year application and the last appeal I have filed with Webster bank in XX/XX/2020. This is a bad mortgage.

Happy new Year.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
Ive sent dispute letter for items on my credit report XX/XX/XXXX. I still have not received investigation results. The debt that is trying to collect are not mine. I demand items to be removed immediately

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 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has been calling me over 20 times a day for the last few weeks. They are getting more and more aggressive. They're trying to reach someone named XXXX XXXX. My name is XXXX XXXX. They ignore my asking them to leave me alone and stop calling me. I've told them tot ake me off their list. I'm on the national do not call registry. I've emailed them and called them and answered their calls to try and explain I'm not this person. That's the name of the woman who had my phone number 4+ years ago. I'm tired of my phone ringing nonstop. These people are criminals and are harassing me. I'm going to call the police if they don't stop.

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 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On or about XX/XX/2020 I was at the store trying purchase gifts for my daughter where i was informed my card declined. I called Capital One Immediately to see what was the reason and I was transferred to the investigations team. They sent me to a voice mail I left several messages and no one has yet to return my call. I spoke with a young lady on XXXX XXXX  and i was inform informed to send verification that i own my own business to and email address, I've done that I called back on XX/XX/2020 and i was inform that my account will because closed due to a grant that i received back in XXXX or XXXX. I was always informed by a capital one representative that i will not get my funds that i worked hard for thats in my savings and checking account back if someone can please assist me on how do i go about getting my funds out this account they have a restriction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To whom it may concern, I am submitting this complaint to inform the CFPB and Executive Leadership at BBVA on the horrible experience I received with my mortgage loan that settled XX/XX/2020. My wife and I were misled from day 1 during our initial discussions with the loan officer which has resulted in financial harm.

Here are the facts of the complaint : 1. We began discussions with the mortgage officer in early XXXX  as my wife and I were actively looking at properties. At that time, my wife disclosed that she was a XXXX XXXX and that our desire was to use her commission towards a portion of the down payment so that I didn't have to sell stock and take short-term gain which would have a significant tax burden. Further, we had discussions that if we couldn't do it then we would lower the sales price less the commission offsetting the taxable income. The loan officer assured us that they do this all the time.

2. The application was completed in mid- XXXX where we again expressed our desire to use my wife 's commission towards part of the down payment. And again, the mortgage officer said no problem ( we have emails to this regard ).

3. During the underwriting process, we were asked for a gift letter from my wife gifting her commission to me as i was the only borrower on the loan. This which was provided as an underwriting condition.

4. The day of closing we find out during final underwriting review that we couldn't use my wife 's commission. Thank XXXX, I had already sold some stock and had the available funds to close. If I wouldn't have we would have missed escrow breaching the contract and causing downstream impacts to the sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
Ive sent dispute letter for items on my credit report XX/XX/20. I still have not received investigation results. The debt that is trying to collect are not mine. I demand items to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I recently obtained a XXXX loan through Payoff to payoff my credit cards. I have a perfect payment history on all of my cards. After paying off my 3 Chase cards to the tune of almost $ XXXX, I receive a letter that all of my credit lines have been reduced to {$500.00} each. 

I called and after a re-review, they were willing to give back $ XXXX across the 3 cards. I was told they could not do more than that based on the balance I carried over the past year ( which was due to extraordinary circumstances ), because I was only making minimum payments and because I used a credit card consolidation loan to pay off the cards instead of personal savings. 

Ive been with Chase for several years and to be treated like this after paying off all of my accounts is absurd. It seems like they would have rather I kept making minimum payments so that they could collect interest. 

On top of that, having my credit limit reduced affects my credit score negatively when all I did was payoff my cards which should have boosted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
We received a written Payoff Statement from TD Bank on XX/XX/2020 at XXXX. In reliance on this statement, we refinanced our mortgage and wired the full and final payoff balance plus 4 additional days interest to TD Bank on XX/XX/2020. TD Bank accepted that wire payment. As part of our refinance, the title company collected and paid the XXXX property taxes to the County. 

On or about XX/XX/2020 TD Bank called my husband 's cell phone to state it was a collections call for the outstanding balance due on our mortgage. We informed them this must be an error that our mortgage was paid in full in XXXX. This was our first notification by TD Bank. 

On XX/XX/2020, we received a letter from TD Bank stating the payoff statement was incorrect. On XX/XX/2020, TD Bank without our authorization withdrew the second half property taxes from our escrow account in excess of the account balance creating an escrow shortage after TD Bank was in receipt of our full and final payoff on XX/XX/XXXX. TD Bank included these escrow funds in a check that was cut to the County on XX/XX/2020. We have no proof of this tax payment and the County has not posted it to our account. 

We were never notified of the escrow shortage that TD Bank created after receiving our payoff until the collections calls began on XX/XX/XXXX. In fact, TD Bank had just completed an escrow analysis in XXXX after paying our the first half property taxes in XXXX. TD Bank is now demanding an additional {$2800.00}. 

On XX/XX/2020, I spoke to XXXX XXXX who refused to give me his last name ), the supervisor of the loan servicing department, who confirmed that TD Bank received the payoff funds on XX/XX/XXXX. He confirmed that the amount due was caused by TD Bank deducting funds from our escrow account on XX/XX/XXXX. He refused to attempt to contact the County to request a refund of the taxes that TD Bank sent in error and told us we must seek our reimbursement. 

TD Bank is not only penalizing, but also causing an undue hardship to the consumer for their own errors and omissions that started with : 1. incorrect escrow analysis ; 2. unwillingness/refusal to apply the payoff wire ; 3. breach of fiduciary duty to cause an escrow shortage after receiving a full & final payoff ; & 4. lack of any notice to the consumer for over 21 days after receiving and holding the Full & Final payoff ; 5. Failure to satisfy the loan when in receipt of the Full & Final payoff amount ; & 6. Placing the consumer in collections and negatively impacting the consumers ' credit due to TD Bank 's refusal to apply the full & final payment. 

These are unfair, deceptive and egregious financial business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have asked Experian credit report to provide me a report to verify the accounts with my signed copy of the original contracts and they have not been able to provide me that information. And they have not taken those accounts off of my report that is damaging to my credit. Under the law, they are to comply to my request.

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 2020-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I sent certified mail to XX/XX/XXXX credit bureau on XXXX XXXX and it was delivered to XX/XX/XXXXon XX/XX/2020. XX/XX/XXXX stated that they didnt receive my dispute letter for Bank of America and it has been over 30 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 2020-12-29 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: IL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XXXX, XX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX,XX/XX/XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have disputed a collection account that was added to my credit report in XXXX. Both times they are stating they have verified as accurate. I have not received any verification or validation from the collection company XXXX XXXX that I owe XXXX. There is no contact information for them on my credit report for me to contact them directly. I have requested proof of my signature that I have a contract with XXXX XXXX and have not received that documentation from Transunion. Transunion is not verifying properly. They are using a computerized system instead of contacting this collection agency by phone and getting the proper documentation that I owe them money. I am requesting this be removed from my credit report. This does not belong to me and they have to provide me with verification/validation with my signature that I have a contract with this company and owe them money. To date this has not happened.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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