vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We have applied for a mortgage Refinance with Santander Bank of our home and wanted to replace our septic system with part of the loan proceeds. We were even willing to have an escrow set up for the septic install. 
The bank said per XXXX XXXX guidelines its required to have a septic inspection and a new system installed if needed prior to closing. 
We applied for a Betterment loan from our local Board of Health and are in the process of the system install but it will take sometime to get the system completed. ( Covid slowed process ). What is the XXXX XXXX requirement for a refinance? The Board of Health has indicated they will write a commitment letter for the new septic install and we are currently living in the home. Is there a XXXX XXXX  waiver? Waiting is costing us money every day we don't refinance. 
BTW a new septic system traditionally does not increase value in a home so the upgrade will not impact the appraisal.

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 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I'm looking to refinancing my home mortgage loan away from HSBC is denying me CEMA. I'm locating in New York. 

HSBC told me flat out that I'm out of luck. Either I refinance with them or pay taxes all over agin I'm working with XXXX XXXX XXXX   <XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
There is verbiage on my credit file that is inaccurate, NOT TRUE and has caused me to get turned down. I am requesting help URGENTLY. This is FALSE information and the credit bureaus will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There is verbiage on my credit file that is inaccurate, NOT TRUE and has caused me to get turned down. I am requesting help URGENTLY. This is FALSE information and the credit bureaus will not remove it.

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 2020-08-25 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:
This letter is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information.

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 2020-08-25 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-08-25 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: TX

Complaint narrative:
I noticed inaccurate negative items reporting on my credit. I disputed the errors with all three Credit Bureaus. XXXX and XXXX XXXX removed them. However, Experian continue to send me a stall letter stating that they received a Suspicious Request. I responded and sent them everything they need to identify me, but they failed to respond to my disputes. I am being denied credit due to errors being reported by Experian. This is unlawful and I need help dealing with this matter. It has been over 120 days and They still refuse to respond to any of my disputes

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I made a purchase at Lowes in the store and paid additional fees for items to be delivered to me on XX/XX/XXXX. The items were suppose to deliver to me on XX/XX/XXXX but they did not. I called into the store and reported it, I did not hear back so I went into the store on XX/XX/XXXX and the customer service desk told me they had a packing slip and informed me to get a hold of a manager later in the week. I called and talked to XXXX  on what i believe was XX/XX/XXXX and explained the issue. He told me he would talk to his employees about the issue, the bad customer service I received and get this resolved. I followed up with him a couple weeks later and XXXX informed me that since the packing slip did not match my information I had provided that I needed to show proof that I was the card holder. I was not sure what he was talking about and reached out to lowes credit card services. I was told that there was a issue with the packing slip having different information on it from my information and they would dispute this right away and take this up with the manager at Lowes. During this time I did not hear from Lowes store, the manager nor anyone else involved. I received a notice that the charges were applied back to my account. I requested multiple times for Lowes to provide me with a signed slip of accepted/received delivery and have not received the requested papers. They keep sending me a packing slip which indicates nothing more than they indicate that the items were suppose to be on the delivery truck. Since the initial dispute I have informed everyone that I did make the purchase but the items were not delivered to me. Lowes has not offered any resolution and this has been a ongoing hassle for 8 months now. 
As of XX/XX/XXXX Lowes has informed me that since my last correspondence did not provide additional information that I will be charged for these items. There has not been additional information requested by Lowes and the only information I can provide is that I did not receive the items and I have went into the store about this, called the manger and reported it to Lowes credit card. My card was billed before the items were set to ship/before delivery was confirmed. The delivery states that customer must be home for items to be received but Lowes has not yet provided me with any information to show this delivery was accepted by me. The Loading Ticket provided shows different name and contact information but it does show the last 4 of the card # being mine. 
I am being charged for items that I never received nor did Lowes even attempt to set up a re-deliver or any other resolution

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 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My husband had a membership with XXXX and he canceled his membership and they charged his account XXXX and he called and got it refunded on XXXX the same day they charged him the XXXX so the payment was still processing at the time of refund being issued. I have confirmation number, called bank of america with an issue because the statement isn't coming up on our records at all, As if the transaction never happened .my husband mad as he can be called the bank and tried explaining it to them and they didn't want to hear it and they kept insisting that they was no transaction done by XXXX . Which is incorrect.

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 2020-08-25 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: LA

Complaint narrative:
The 3 credit bureaus, XXXX, XXXX, & Equifax are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: LA

Complaint narrative:
The 3 credit bureaus, XXXX, Experian, & XXXX are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.

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 2020-08-25 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: OH

Complaint narrative:
On XX/XX/2020 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 I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 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 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Please see my attached letter which fully describes and shows proof that I paid the loan off within 60 days of the loan being transfered to a different servicer. I was never late for 13+ years and the new servicer incorrectly inputted the loan 60 days delinquent but they had already been paid in full prior to the 60 days. As you know, by law, the new servicer must give you 60 days prior to reporting anything late and through a refinance, I had already paid them off. Please see the closing statements and facts that I have provided. I was never late. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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:
This letter is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information.

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 2020-08-25 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: CA

Complaint narrative:
This letter is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020, A charge-Off placed by XXXX/XXXX  was Disputed and removed from my XXXX XXXX credit report. Unfortunately, Experian and XXXX  are still showing this charge-off on their reports.

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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XX/XX/2020 I cancelled a Preferred Customer Service Program associated with the Lease agreement. A {$310.00} refund that was due to me was posted to my account as a Security Deposit Increase. The refund should have been credited to my account in the form of a reduction to monthly cost or by check to me. Additionally, my leasing agreement does not provide for a Security Deposit that is not agreed to at lease signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX SSN XXXX To American Express XXXX AMEX XXXX -- -- -- We started this process on XX/XX/XXXX with your attorney that is still listed as the point of contact for this lien. On XX/XX/XXXX we were told by your attorney to contact you directly at XXXX. We did and were told by your representative to fax in the authorization and also to mail it in to XXXX XXXX XXXX, XXXX XXXX TX XXXX. -- -- -- -- - On XX/XX/XXXX we followed up to make sure you received the fax. We were told you do not accept faxes and have no idea where that fax number goes. We were also told the mailing address we sent the authorization to was only for payment processing and in fact they had nothing to do with authorizations. We were then given a completely different mailing address -- - All of this was after XXXX minutes of getting the run around from each representative - being hung up on, put on hold, transferred to multiple different people ( most with issues of comprehension and information retention ) -- -- -- -- AMEX IS PURPOSELY BLOCKING EVERY ATTEMPT TO GET AN AUTHORIZATION TO THEM FOR THIS LIEN RELEASE. XXXX YOU ARE ALSO BLOCKING THE IRS FROM GETTING A SUBSTANTIAL AMOUNT OF MONEY OWED TO THEM THROUGH THE SALE OF THIS PROPERTY ****** This is unacceptable and must stop immediately. Attached are copies of our authorization and the lien on the property. 

-- -- -- -- -- - I expect this authorization to be uploaded to the clients account immediately and without further delay. I also expect a response to the request for settlement without further delay. -- -- -- -- - -- -WE WILL BE NOTIFYING THE IRS THAT AMEX IS BLOCKING ALL ATTEMPTS TO GET MONIES OWED TO THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was late on the final payment of an auto loan, and now my account shows a delinquency. This impacts my credit score as I look to refinance my mortgage. Other than this, my wife and I have a pristine credit history. This is not a financial issue as my wife and I have more than sufficient assets.

I had a XXXX XXXX XXXX  5 year loan financed through JPM auto. I thought that my last payment was for XX/XX/XXXX, as I had received letters indicating such ( which are now long gone ). Some confusion between XXXX XXXX XXXX and JPM Auto. My mistake, apparently. I own this error, but extenuating circumstances As of XX/XX/XXXX, we left XXXX due to Covid and have since been at our weekend house. At the end of XXXX, my wife picked up the mail in the City. This is how I learned that I still owed another payment. I made that payment as of XX/XX/XXXX and JPM released the lien on XX/XX/XXXX. Therefore, loan was paid in full. 

I can send all documents if there is anything that can be done. 

The problem is that JPM reported this 30 + day late payment to the credit agencies. Therefore, dropping the credit score for me and my wife by over 50 points. This is relevant as we are looking to refinance a mortgage, and our credit score impacts the rate. 

As you might understand, a Pandemic is a pretty good reason to make such a purely accidental payment error. I spoke to JPM. They refuse to send a letter explaining ing such to the credit agencies. 

I spoke to XXXX. They said that JPM could send a letter explaining the situation and noting that the account is paid in full and that Covid was the primary issue for this error. 

JPM says that they have reported the incident per legal requirements and their obligation ends there. This error will now follow me around for 7 years. 

Is there anything that can be done? Seems rather unfair. 

Account Number : XXXX VIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i called to dispute XXXXXXXX XXXX made on XXXX with slate card my whole aprty got sick and no one has responded to us. I called chase and she starts asking me what happened how did you get food do you still have the food things i have never been asked before. i am a good customer here and just want my money back please help me no one responds from restaurant. this request has nothing to do with the fact someone used my card last weekend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got an email from Capitalone this morning at XXXX PST saying Capitalone had decreased my credit limit from {$9500.00} to {$2000.00}. I have had this card for over 15 years. I grew it from a {$300.00} credit limit to {$9500.00}. They charge me a $ XXXX  monthly fee to keep the card. Thats {$60.00} a year even though they advertise that its a {$39.00} annual fee. Thats a clear UDAAP violation. I let that go and now theyre taking advantage of me again. They are taking advantage of anyone with subprime credit and needs them to build credit. I pay my bill on time. I have 100 % on time payment history and never exceeded my credit limit in spending. I called and asked if there is anyway to remove the annual fee and they said no. I want capitalone to stop taking advantage of me. My credit is no longer sub prime. I am now a super prime customer with over a 750 credit score. Yet, they wont upgrade my card to a no annual fee option. Now they take away my credit limit ; increasing my overall credit usage and decreasing my credit score. We are in a pandemic and they are causing me financial pain. As a result of this decrease, my credit score dropped 50 points. They forcibly converted my account to this {$60.00} annual fee card years ago. Now Im being punished for having it. The rep on the phone told me that Capitalone went through my account and decided to decrease the limit. That sounds like I was singled out and discriminated against. Capitalone is ruining my credit. They wont give me a better credit card with no annual fee and they reduced my credit limit to display power and control against me because I have their subprime card. Even though I am no longer sub prime. Its unfair and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$7200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$3200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXXXXXX {$6900.00}

Company response to consumer: Closed with explanation