vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Loan with USAA. Sold vehicle to XXXX. USAA quoted different payoff amounts to me and XXXX. After I sold the car I tried to cancel the auto pay. USAA refused to stop the auto pay. Ended up taking an extra payment. USAA refuses to return the money. I have the title and a loan satisfaction letter dated XX/XX/2021 but USAA still refuses to return the {$470.00} overpayment. Their internal policy is to hold funds for 15 days from the date of receipt of payment. Then 2-3 business days after the 15 calendar days. USAA demanded my bank records to prove that the funds were taken from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are incorrect late payments showing on my credit reports from " XXXX XXXXXXXX XXXX XXXX ''. The credit reporting agencies are showing a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. When I log into my account through the company, they show a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. 30 days had not yet passed and the company reported my account as being late to the credit reporting agencies. All of the information is inaccurate. According to my payment history showing on my account, my the late payments in question have been paid before on the same date that my payment is due. My due date for my payments are the 25th of each month. The XX/XX/XXXX " late '' payment was made on XX/XX/XXXX. There was a payment of {$31.00} on XX/XX/XXXX to cover the payment due for XX/XX/XXXX. There was also a payment of {$62.00} made on XX/XX/XXXX to cover XXXX and XXXX payments of XXXX. As stated above, my payments are due on the 25th of every month and the late payments in question were not 30 days late.

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 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint because Transunion has refused to remove this acct status of late.LOUISIANA CHILD SUPPORT Reported : XXXX XXXX, XXXX {$40000.00}. Because of the COVID 19 Pandemics I was out of work for a year but now I am all caught up and request Transunion to change the status to good standing. I have provided the same explanation to XXXX and XXXX without any issues. 
This has caused me financial harms as most Americans. The Pandemic did not helped me but I am good now.

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 2021-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: AL

Complaint narrative:
BSI Financial is my mortgage co. The CFPB filed suit on BSI and found them liable for mishandling of modifications, loss midigation ext. My mortgage was a XXXX XXXX loan and was heald by XXXX until XXXX  while I was in the process of a Help For Homeowners Hardships Modification FHA my loan was transferred to BSI. The modifications paperwork I signed was for a FHA HARP modification however BSI has my loan currently as a Conventional Mortgage and has charged me nearly {$20000.00} in fees and processing additional interest rates even the prior foreclosure, bankruptcy, modification processing fees even late fees that were occrued before the Modification was processed and applied. Modification fees, late feels previous deliquent charges have to be figured into the new loan amount of the modification, discharged or paid prior to the Modification closing. The law suit CFPB has and settlement against BSI is exactly what BSI did to my mortgage and I have struggled and suffer financially because of this. Furthermore the mishandling and false filing of my FHA loan to a conventional loan has caused me to not be able to modify my mortgage or use the covid relief aid available to FHA mortgages because BSI fraudulently altered my mortgage and did not file and process my HARP approved modification but processed my mortgage to a conventional loan instead. At the time of my modification HARP approval my mortgage was in default for almost {$17000.00} and my credit score was XXXX also my income to debt ratio was only eligible for a hardship HARP modification and barely qualifed and would never come near a conventional loan. BSI has caused me to loose more money and equity in my home than I can honestly put a dollar amount on. I have literally only been able to pay my mortgage and utilities because of this and am unable to modify the loan now or utilise my only available savings and assets the large amount of equity I have built in my home to live and prosper in life souly due to BSI mishandling my modification from a HUD mortgage to Conventional illegal loan that I can not refinance modify and barely survive paying. Please please help me I've contacted and done everything and anything to fix this for the last 3 years since I discover BSI fraudulently changing my loan classification. BSI says nothing is wrong and I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
My Chime checking account was hacked 3 times in the period of a month and a half. Every time I would call immediately and freeze my card and prove my identity while I waited for my account to be available again. On XXXX the XXXX I had started a transfer of {$250.00} to my XXXX XXXX account. On the XXXX, the final hack, I rushed to get the remaining funds out of my account before the hackers robbed me of it. I spoke to a Chime support member while doing so. She informed me my transfer had gone through and now that I had withdrew the rest it was safe to close my account. Well the transfer DIDNT go through and Chime wouldnt even let me back in my own account after verifying my identity numerous times and with a new Drivers license number! I tried n tried to gain back access, spoke to several managers claiming they were working on it. One even promised he would run the tapes from that day and listen to his employee that helped me that day. No word for 3 months from Chime. In fact, they told me they couldnt access my account bc I didnt know the email ( the hackers ) associated with the account. This is even with my account, routing, and card numbers ready and willing to share just to do so. I finally filed complaints with the XXXX and the XXXX XXXX website. I finally just a few days ago was allowed back into my account which had a total of {$5.00} as the balance. No word of my {$250.00} that just disappeared. So I ask again. They inform me they are gon na contact XXXX XXXX and see what happened. The transfer never went thru, therefore Chime would still have it, but the real question is, where did my money go??!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Attempting to make a payment after rocket mortgage conducted my second escrow analysis in two months. After the first analysis they told me I'd have an overage, which I told them to keep. The second analysis resulted in a shortage. 

Anyways I noticed that my monthly payment had changed, so I went to adjust my already scheduled payment for XX/XX/XXXX, which was to be withdrawn on XX/XX/XXXX. For the past hour I've been trying to submit a payment or contact customer service. When calling the office they give no indication that customer service will ever be available or like their hours of operation or anything. It seems like their customer service is indefinitely closed. The online payment system isn't accepting payments currently from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are incorrect late payments showing on my credit reports from " XXXX XXXXXXXX XXXX XXXXXXXX ''. The credit reporting agencies are showing a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. When I log into my account through the company, they show a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. 30 days had not yet passed and the company reported my account as being late to the credit reporting agencies. All of the information is inaccurate. According to my payment history showing on my account, my the late payments in question have been paid before on the same date that my payment is due. My due date for my payments are the 25th of each month. The XX/XX/XXXX " late '' payment was made on XX/XX/XXXX. There was a payment of {$31.00} on XX/XX/XXXX to cover the payment due for XX/XX/XXXX. There was also a payment of {$62.00} made on XX/XX/XXXX to cover XXXX and XXXX payments of XXXX. As stated above, my payments are due on the XXXX of every month and the late payments in question were not 30 days late.

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 2021-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TN

Complaint narrative:
My FHA Mortgage was originally with XXXX XXXX. I have always paid my Mortgage on time. However during the pandemic shutdown when I was kept from working, I had to put my mortgage on a COVID-19 Forbearance. When that Forbearance ended I signed a XXXXartial Claim Deed Of Trust stating that the balance was to be paid back if I sell my house, in the case I refinance or by the due date of XX/XX/2049. Now Midland Mortgage has purchased my loan from XXXX XXXX  and they have not been honoring the Partial Claim Deed Of Trust I signed back in XX/XX/2021. They have been sending default letters in attempt to collect that debt claiming that if I do not pay in full by XX/XX/XXXX they will escalate to foreclosure. Besides the fact that my partial claim deed of trust clearly states the balance isnt owed until XX/XX/2049, that balance is owed back to XXXX, XXXX, not Midland Mortgage. Ive made several attempts to resolve this with Midland Mortgage. Ive sent Notices of Errors, I have sent request for accurate Information & I have made several phone calls. Every time I speak with Midland Mortgage they claim they are waiting on all the documentation needed from my previous lender XXXX XXXX  in order to update my account. However when I contact XXXX XXXX  they claim they have transferred all of my documents required to Midland Mortgage.

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 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: VA

Complaint narrative:
On XX/XX/2021 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 30days 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 caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
My mortgage company Freedom Mortgage contacted me in XXXX telling me I was eligible for refinancing with them. I refinanced my home XX/XX/21 they collected 11 months in homeowners premiums totaling {$970.00}. On XX/XX/21 I had a water pipe bust in my bathroom causing damage to my living room, dining room and kitchen floor I have black mold everywhere from where the water has been leaking. I contacted my homeowners insurance only to find out that my plan was canceled due to non payment from my mortgage vendor. I pay my payment every month that includes my taxes and insurance. So I contact my mortgage vendor and now they are placing me on Mortgage Forced Insurance? Because they do not know how they forgot to send my homeowners premiums. Everytime I call I get transferred around and no one is trying to help me resolve this issue.

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 2021-12-17 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: IN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I inherited a business from my uncle who passed away on XX/XX/XXXX. The business had a checking account with Capital One bank. I called the bank to close the account, but was told I have to go into a local branch. However, the credit card was immediately closed. This was during the pandemic so after a few weeks I went into a local branch and immediately left since it was crowded and there was no social distancing. A few weeks later I went into the bank again and there was no customer service available. So I had to speak with a teller. I explained that I want to closed the account and I completed the forms she gave me and provided her with the death certificate and a surrogate court papers. After a few weeks I contacted the bank by email and again was told I have to go into the local branch. I went to local branch and spoke with another teller and explained the situation, completed forms and submitted paperwork. After a few weeks I contacted the bank again to follow up and was told I have to go into local branch again. This time when I went into the local branch I spoke with a branch ambassador. I explained what was going on and she apologized for the problems I was having. For a third time I completed forms and provide the death certificate an surrogate court papers. She said I have to be authorized as a signer on account before it can be closed. After a few weeks I contacted this representative and she said she did not hear anything. She sent an email to department and flagged it to get their immediate attention. That was on XX/XX/XXXX. I was so frustrated that I filed a complaint with the NJ banking department and the corporate headquarters for Capital One Bank. As of today, I have heard nothing. I started this process right after my uncle passed away in XX/XX/XXXX when the account had {$790.00} in it. Since that time the bank has not allowed me to use the account, but they have been charging {$15.00} a month as a maintenance fee. I told them I want the account closed and I want all of the monthly maintenance fees refunded since XX/XX/XXXX because they have not maintained anything since I cant use the account. This has been going on for so long for such a small amount. At this point the company has been closed. Your immediate attention to this matter would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I asked for a replacement card with Barclaycard, and while it was in process of getting delivered in the mail, which it finally did - the company went ahead and closed my account and now will not reissue the account whatsoever. I never missed a payment, had no issues, or anything. I just wanted my replacement card so I can begin using the card and have positive activity. They did this to discriminate and retaliate against me for no reason, and they will not provide a justification as to this decision that was made literally right as I asked for the replacement card. They are only doing this because I am of XXXX  ancestry, no other reason.

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 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I recently applied for a Citi Advantage card and was denied. The reason stated was they couldnt verify some of the information on the application. I called Citi Advantage to inquire as to what it was they couldnt verify and they were unable to give me a reason. I specifically asked if it was a credit score or income verification and they said no. I asked if the application could be reconsidered if I provided income and address info and they said no. 

We recently moved to the XXXX area and my desire to have this card is for travel purposes. My credit score is above XXXX as is my husbands. We have verifiable annual income in excess of $ XXXX and own our house outright. 

I am perplexed as to why I was denied and feel I am being treated unfairly.

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 2021-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted XXXX to refinance my car. My new loan is through XXXX XXXX XXXX XXXX. The contract was signed in XX/XX/2021. My pay off check was received by Chase on XX/XX/2021 at XXXX XXXX, signed for by XXXX XXXX in XXXX XXXX, Texas. My car has NOT yet been paid off. It has caused a huge financial hardship for me because I am now paying on TWO active loans. Chase took {$500.00} from me on XX/XX/2021. I paid {$430.00} to my new lender on XX/XX/2021. Chase owes me so far a total of {$1000.00}. I have called Chase numerous times and my refinance company. Chase claimed it would be processed by XX/XX/2021. I called today, XX/XX/2021 and now they are claiming Monday, XX/XX/2021. My credit has also been effected.

Company response to consumer: Closed with monetary relief