vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: FL

Complaint narrative:
XXXX XXXX Unauthorized charges successful iconSubmitted XXXX   XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful icon

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 2020-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Two problems : I received the bill for to pay electronically which encourages for me to make my payment via the website. My payment is due XXXX and their system allowed me to set up my payment for XX/XX/XXXX and I am still getting calls everyday and when they call from an unknown 800 I have to assume it's them they are asking for the last 4 digits of my social security number and don't feel comfortable giving that out also I feel harassed that if I contacted the creditor on their website and made arrangements why do I continually still gets calls? 

Also, I requested Flagship for an extension due to Covid for two months and they stated can only do 1 payment extension/deferment and at no time did they mentioned it would be reported to the credit bureau as a natural disaster.

They also misspelled my name on the account and that is the way my title would come if I finished paying my car with this company.

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 2020-06-01 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: CA

Complaint narrative:
I closed my XXXX Visa card. Please be clear it is a Visa card with XXXX. I also have a DEBIT card with XXXX and that is not related to this. I closed my XXXX Visa card on XX/XX/XXXX. XXXX XXXX   states they reported the card closed per my request when I closed it. Now I have an inquiry into my credit by XXXX XXXX. XXXX XXXX  states it should not be an inquiry as their history/records show there was not an inquiry only a report. XXXX  does not show the inquiry on my report. EXPERIAN DOES SHOW THE INQUIRY BY XXXX ON XX/XX/XXXX. 

Something is not adding up. The XXXX inquiry will not fall off for two years, i.e. XXXX. No one asked me to make a hard inquiry or informed me one would be made. And as of today, XXXX can not explain how the inquiry was generated to show up on my credit. I want it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: FL

Complaint narrative:
XXXX XXXX Unauthorized charges successful iconSubmitted XXXX   XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful icon

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: MA

Complaint narrative:
My wife and I recently applied to refinance our mortgage. While in the process of doing that we received an update of our credit score : It was 100 points lower than the last time we checked, which was in XX/XX/XXXX. This was received XX/XX/XXXX. 

Wondering why it had changed, I tried to access my credit reports online. I could not access Experian and XXXX, but I received a summary from XXXX, but not a complete report. This happened on XX/XX/XXXX. 

The XXXX  did not indicate ANY bad information, although it was missing a state of balance from XXXX XXXX in XX/XX/XXXX. Of course, that had been on the books since then. 

I proceeded to file a dispute about the credit numbers with XXXX, but the Website did not proceed past a certain point. 

Accordingly I called XXXX  this morning to dispute the item by phone. This happened today, XX/XX/XXXX. They simply cut me off saying this could not be handled by phone at this time. 

I also, and noted in a separate complaint, that I could not order a paper copy of my credit report either by the Web site or by phone, so I can not proceed with the process any further. This happened today, XX/XX/XXXX. 

Regarding Experian and XXXX  ... I could not even see their version of the credit reports online, nor was I able to dispute or call them successfully. 

Accordingly, the same complaint is being submitted regarding them.

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 2020-06-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: NM

Complaint narrative:
I started a refinance XX/XX/2020. My file went to closing on XX/XX/2020. The closing agent, XXXX XXXX, all but refused to call anyone other than her contact at the title company for almost three weeks. She only called someone else once I complained to my loan officer, XXXX XXXX, and called the title companies in my area. She was informed by the manager of the title company her contact no longer worked there. She then sent the request to a local company, XXXX XXXX. After a few days I called the title company to ask about the progress and was informed there was no open order. I told XXXX and she told XXXX who finally called XXXX XXXX and was informed she was given the wrong contact information and had to resend it. On XX/XX/2020 she was asked some questions but didn't answer until XX/XX/2020 at which time she was asked if a survey was needed. She didn't answer that until XX/XX/2020 by having XXXX contact me to request the survey. I have had to resend documents because they expired and resign documents because they were wrong. Every time a request was made of me I complied. When I complained on XXXX I finally got a call from XXXX to get more information from me and that someone would call me tomorrow ( XX/XX/2020 ). It is now XX/XX/2020 and I have yet to receive a call. It has been two and half months since my file was sent to closing. I finally closed on XX/XX/2020 but still have yet to receive a call from M & T Bank about the problems and delays I had. Throughout this whole process I either talked to or tried to get a reply from five different people. Only one was willing to always return any correspondence either phone, text, or email.

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 2020-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Red Tree Mortgage LLC
State: GA

Complaint narrative:
I am in contract to purchase a home and my loan is with Red Tree Mortgage. I have been working with XXXX XXXX and her manager XXXX at XXXX has not been responsive to my inquiries. 
XXXX XXXX Senior Loan Officer T. XXXX XXXXXXXX NMLS XXXX I was supposed to close on XX/XX/XXXX and still do not have a conditional approval letter. I received a pre-approval dated XX/XX/2020, and just found out on XX/XX/XXXX, after the first contract extension about the conditions that I needed to meet the requirements of a full approval. I expressed to them that I have to be moved by XX/XX/XXXX and now find myself having to pack my stuff and try to find storage. If I have to pay to move twice due to the negligence of them, they need to be responsible for the cost associated with it. 

I need for them to get my loan through underwriting before I lose the home I am supposed to move into. If, for any reason at this point I am not approved for this loan, they need to reimburse all of my expenses associated with this process. I am beyond frustrated by the things they are asking for, some of which are obvious from the credit report. Such as, the XXXX bill that has been paid in full and has a zero balance on the credit report. They now want proof that the dispute has been removed. Why does the dispute need to be removed when the dispute was prior to the balance being paid off, which shows the resolution was to pay it in full. 

Please help me resolve this situation so I will not be homeless at the hands of Red Tree Mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
On or around the end of XXXX XXXX Permanently limited my account for an undisclosed reason. The froze my balance of {$730.00} Upon reaching out, they said it was their right when limiting my account to hold that money for 180 days. 
Since the passing of 180 days has occurred I reached out. 
Their phone services state there is no representatives. Their messaging system says to use it during certain hours. I did. And still getting the message to use it during certain hours. 
I used their internal email system and got the direct responses that my account had been limited. Not about letting me have my money. 

They are holding this money that is the companys and taking no steps or good Will gestures to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was approved for a Chase Amazon Rewards card on XX/XX/2020. Several days later, I called to have an authorized user card for my girlfriend sent to an additional address. Instead of helping me with my request, a fraud executive named XXXX immediately placed my account under review. They refused to even accept my card number after asking me because they had already clicked onto the next menu. They said someone would call me back within 24-48 hours. 

No one called me back for more than a week. My card was not accessible to make purchases even after I received it in the mail. After waiting a week, I began calling Chase customer service in order to access my account. I was continuously hung up on. One person asked to speak with me, as if I was someone else, referring to them as " her, '' even though I had already stated that was my legal name 3 times. This is because I am trans and my voice does not sound like what they expected from someone with my legal name. Finally, on XX/XX/XXXX, the first day of XXXX XXXX, I called several more times, was hung up on again, and finally got someone who did not hang up on me. They instructed me to be honest about my legal name after I stated it several times. Then they informed me that my account was under review by a back department that is not front-facing and that I can not reach them. They refused to provide any further information. Shortly after that call, my card, which I never had the opportunity to use, finally disappeared from my Chase mobile app. Meanwhile, the card still shows up on my credit report in good standing - despite being inaccessible to me ever since it was approved more than 2 weeks ago. 

I do not deserve to be chided, discriminated against, and accused of lying because of my body or my gender. Moreover, I have a perfect credit file with no late payments or derogatory marks. There is no cause for adverse action against my account. Thank you for allowing your staff to degrade me and deactivate my account without cause during the first day of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-01 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: AL

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. 

XXXX XXXX {$1600.00} XXXX XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-06-01 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: AL

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. 

XXXX XXXX {$1600.00} XXXX  XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-06-01 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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XXXX  Report USAA Account XXXX reported by usaa as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See USAA Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND XXXX  DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have a VA home Mortgage through Mr. Cooper loans. In XX/XX/2019 my loan servicer was switched from XXXX to Mr. Cooper and it has been problem after problem. 

Relevant to the Coronavirus pandemic, I run a XXXX XXXX  as my sole source of income and had to shut my XXXX  for over a month. 

I had contacted in early XXXX, Mr. Cooper, to explore mortgage relief options. I was told they had a forbearance program but there was no loan modification and the entire balance of forbearance would be due at the end of forbearance. I was advised to refinance my loan, despite my vocal confusion over the fact that I had just told them my income was negatively affected. I Inquired about terms, rates and fees and was told that I would be getting a lower interest rate and payment for about $ 400-600 in fees. I was sent signing documents and discovered that  there were over {$10000.00} in unmentioned fees. 

I called Mr. Cooper mid XXXX to inquire about these fees and was told by a representative that I should not have been advised into a re finance, and that forbearance with loan modification would be an option. For whatever reason I was not told about what my loan modification would look like. 

At the end of XXXX ( Thursday, XX/XX/XXXX ) I contacted Mr. Cooper to the end my forbearance. I was given options for repayment or to choose loan modification, and have my application sent to underwriting. I chose loan modification. On Saturday I checked into the Mr. Cooper app to see any notification from underwriting and I saw a warning that showed that I was delinquent on my loan. 

I called Mr. Cooper for the first time at XXXX and struggled to get in contact with a representative for an hour. The representative then told me that I was in the loan repayment plan and not loan modification, in direct contradiction to what I had requested. The representative reviewed the notes from the previous call and said that representative said I chose repayment. I asked if all calls were recorded and she said that they were. At this point I requested speaking with a manager. I was then placed on a series of holds until XXXX when their call center closed, and the phone line was cut short. 

This company is preying upon veterans, who are having their loans sold to Mr. Cooper only for them to mismanage these loans with borderline fraudulent communication and banking practices.

Company response to consumer: Closed with explanation