vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XXXX, approx XXXX XXXX, I called my mortgage servicer, Freedom Mortgage, regarding starting a mortgage forbearance program based on COVID-19. I spoke with a representative, XXXX, who told me to I needed to apply for the program using an application provided on their website. That application can be found by following this link. 

XXXX : XXXX I told XXXX that I didn't want to fill out that application since it states that I would be obligated to repay all forbode payments plus the current mortgage payment all at once at the end of the forbearance period. 

I made clear that I'd like to start a mortgage forbearance program outlined in the XXXX XXXX  Lender Letter ( XXXX ), with all forbode payments being tacked to the end of my mortgage. 

I was told repeatedly that ' they're not able to change the terms of the loan ' and 'deferring those payments to the end would be changing the terms '. I was ultimately offered a multi-staged forbearance program that at its maximum would result in a 12-month forbearance with all forbode payments to be paid in full at the end of the forbearance period. 

I asked to speak with a supervisor and would not accept the terms she described. I was placed on hold, but soon XXXX came back on the line to tell me there was no supervisor available at the moment. I requested to stay on hold, but she wouldn't allow it. She said her supervisor would call me back within 24-48 hours. She also suggested I call back in an hour to speak with a different supervisor. I again asked to be placed on hold to speak with a different supervisor and was told I could not hold. 

I'm a single mother of two. I am the sole breadwinner. This virus has put an incredible strain on my household finances and without help, I will most likely face serious default or foreclosure. The plan Freedom Mortgage has proposed would leave me financially devastated. 
I've worked hard to purchase the home I've owned since XXXX and am finding the lack of solutions offered to Freedom Mortgage customers unacceptable. The following excerpt was pulled directly from the Freedom Mortgage " COVID-19 Frequently Asked Questions '' link to page : https : XXXX 'What is forbearance? 
Forbearance is a temporary suspension of your mortgage payments, allowing you to remain in your home while working through your short-term financial challenges. We will suspend your payments for up to 180 days. Once that time period has expired, we will work with you to reevaluate your situation to determine whether your forbearance can be continued. At the conclusion of the forbearance period, all of your deferred payments must be repaid. The Consumer Financial Protection Bureau ( CFPB ) has a useful video that explains forbearance as it relates to the Federal CARES Act. '

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 2020-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My initial complaint ( # XXXX ) was responded to me by US Bank. In their response to me they state in paragraph 2 " This fee would have also been removed if the dealership had purchased the vehicle from US Bank at the end of the lease term. Our records confirm that the dealership did not purchase the lease vehicle, and it was returned to the possession of US Bank. '' ( I have attached a copy of that letter ). I am also attaching a copy of my sales receipt showing that the vehicle was " traded-in '', a copy of the payoff sheet to US Bank, and a copy of the check payment made to them from the dealership. The documentation I provided clearly states that US Bank was not truthful in their correspondence to me and I would expect a refund of the {$20.00} payment that I did make to them in good faith while waiting for reconciliation of this matter.

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 2020-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This is for both my checking account and my savings account, but CFPB web site only allowed me to check one. 

On XX/XX/XXXX I asked through XXXX 's web site how to fill out a POD or TOD. No response. 

On XX/XX/XXXX I phoned XXXX and spoke with XXXX, who said it's XXXX 's policy that customers need to go to the bank in person. I can't do that because the governor has a stay-at-home order, and even if he didn't it's not safe to be that close to other people. XXXX the nearest Chase Bank is well over an hour away. XXXX connected me to a Chase Bank in the XXXX area ( the nearest one that's still open ) and I spoke with the manager XXXX, who confirmed the policy. He said the he'd escalate the issue. 

On XX/XX/XXXX I received a phone message from XXXX, I phoned her back and left a voicemail, but haven't received a call back. 

This is ridiculous. It is perfectly legal to do a POD / TOD through the web site - I have an Ally Bank account with a TOD/POD and was able to set it up online. 

Lots of people are dying now and undoubtedly there are many other customers who are concerned about filling out a POD/TOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/20 I was laid off due to covid-19. I contacted XXXX credit card, they waived my payment. I then tried to contact citibank via the messenger in the app. They told me I would have to call. I called and explained that I was seeking help due to covid-19. The customer service representative came off as very rude. His response was " OK so do you want a payment plan or something? ''. I was a little surprised by how he was talking to me. He looked up one of my cards and said there's no late fees ever on that card so don't worry about it. Then he looked into my other card, and just said that he was gon na waive the late fees. I explained that my other credit card waive the payment for me, but he wouldn't do anything. I asked if my payment would double up since hes telling me I don't have to pay it and he couldn't give me a for sure answer. I logged into my account yesterday and noticed that I do have a double payment on the on account. I have sent several messages to citi bank via their app And sometimes they just cut my conversation off and end the conversation without any resolution. Yesterday, I notice that you could apply for assistance via their website so I went ahead and did that. This morning, I woke up to emails advising me that both my cards credit limits had been decreased and pretty much maxed out. One of the cards they took away {$5000.00} worth of credit. I thought the whole point of the assistance programs were to help you maintain your credit scores during this time. Now my credit score is going to drop significantly. Terrible customer service

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 2020-04-09 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.

Complaint narrative:
Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX CARD SERVICE- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX- Removal date : XX/XX/XXXX XXXX ) XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX XXXX NA- Inquiry date : XX/XX/XXXX XXXX ) XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX   CARD SERVICE- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX CARD- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX XXXX   XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX NA-Inquiry date : XX/XX/XXXX 2018

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 2020-04-09 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items 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 non-monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
This company needs to send me the correct 1099 for the work performed regarding previously filed complaint XXXX. I am not asking for borrowers information ; however, the CORRECT 1099 that i am entitled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX. I currently have a FHA mortgage loan. I have been impacted by the national disaster of COVID-19 and have reached out to my mortgage servicer, Home Point Financial. After speaking with several representatives, including a supervisor, XXXX XXXX, it was explained that the only forbearance option I had at this time would be to defer my payments for 90 days and at the end of the forbearance, a balloon payment of all three payments in addition to the XXXX payment would be due. 
I explained to Mr XXXX XXXX, that according to the CARES act, his company is required to provide me with reasonable, good faith accommodations to assistance me during this national crisis. He repeated the aforementioned and stated, " until the investors tell them to offer additional options, this was all that was available at this time. '' Home Point Financial is not complying with the Federal law in providing its customers " good faith '' efforts in accordance to the law. Please help me. I do not know where else to turn and need help! You may contact me at ( XXXX ) XXXX. I look forward to hearing from you. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TX

Complaint narrative:
After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/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 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
Had identity theft in XX/XX/2017. Reported to police. Thief caught and charged. 
Now, 3 years later, I'm getting debt collection on one of the illegally opened fraudulent accounts. The amount is {$590.00}. 
The original company was XXXX XXXX XXXX XXXX, the debt collector is 'Jefferson Capital Systems ' . 
I recall speaking to XXXX, asked them to send me evidence and i.d . of credit applicant and to cease and desist. I did not receive any legal identity documents/furnishings, but it was taken off my credit report. 
Now, years later they are sending me collection notices, without any proof of my i.d . 
I had and still have a fraud alert active, and one caveat is that they need to call my personal phone for any credit applications. Which, clearly, they did not, but still approval the fraudulent application. 
Between myself and the authorities, we quelled 38 such credit applications. 
Now this one has appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: AR

Complaint narrative:
I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2020-04-09 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: AR

Complaint narrative:
I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Spirit Airlines XXXX MasterCard denied and my Score is XXXX, XXXX, XXXX so I file settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Identity theft XX/XX/XXXX, perilous Hail storm XX/XX/XXXX, XXXX ( dumpsters winched from faucets. Hose credited, all homeowners insurance claims Underpaid, underpaid on wrong structure, and no personal injury but fell at XXXX XXXX XXXX XXXX Colorado in asking what the heck is that truck doing in my backyard? 

XXXX, non vet XXXX owner since XX/XX/XXXX. 

So when the police came XX/XX/XXXX in home office of XXXX ( incorporation date XX/XX/XXXX ) and primary home of XXXX XXXX XXXX onset date was XX/XX/XXXX. Many people f XXXX  ceo ( XXXX  ) XXXX  XXXX  lost many XXXX of goods and to {$600000.00}, but only in the California corporate Studio site. 

XXXX XXXX then, sold to Shellpoint on mandated homeowners insurance and appealed denialisms of this underwriter and agency. Even turned in to state regulatory agencies. Ignored. 
Foreclosure cured by not me and likely upset family once in bundlers renewal scam I allege, still. 

Identity theft and files from XXXX attached XXXX XXXX  and the homeowners post asset sale of another mortgage by XXXX/XXXX/shellpoint. 

Owed {>= $1,000,000} that day in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Today, XX/XX/2020 I needed to withdraw funds from Wells Fargo in XXXX XXXX, New Jersey. 

All branches in my area are closed other than ATM 's. There is one branch with drive up service available and I was told that I can not use that service as a walk up. I must have a vehicle that would enable me to then step out of said vehicle to do said banking that I was doing just sans vehicle. 

The only two branches are ones not in my area and are accessible again by car that I do not have but would have to hire or via public transportation. Both ways put me at risk and in turn are not safe for a XXXX year old woman to do. I have no family nor support system and must access cash to pay for essentials and do my business as I prefer that to using a card. The Covid virus has a very short life on paper and in turn I can just leave change for tips and the rest and reduce fraud with my card being listed on numerous sites, etc. 

Why I can not walk up and have a dedicated lane for pedestrians is beyond my understanding as if I was in a car and saw a person standing there why would I drive into them? How absurd and how disturbing that I can not get my money handled without having to get a car to do so. So I have to buy a car to do banking.. if you think I would let a taxi driver or hire car take me a single old lady to do my banking with cash you have got to be kidding me. 

I have the right to access my funds and distributed to me in the denominations I need and not have to go out of my way to do so and in turn put myself at risk.

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 2020-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX  is not mine authorize user card

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 2020-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
My mortgage servicer, Amerihome Mortgage, still is not offering a forbearance package that complies with the CARES act. They are only offering short term forbearance where the total payment amount postponed comes due at the end of the forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX is not mine authorize user card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX is not mine authorize user card

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 2020-04-09 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: TX

Complaint narrative:
After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation