vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I do not knwo what is going on with this account. There are too many lates on it and this is absurd. I demand an investigation why is this reporting like this because I do not recall having this kind of account.

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 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
My home in XXXX, MA was formally foreclosed upon in XX/XX/XXXX by Roundpoint Mortgage Services Co. after multiple attempts to come with up with a repayment plan, one of which was approved and my checks were returned by the company nullifying our agreement without notifying me. After having a buyer for my property lined up they told them they were rejecting their offer Saturday night and processed the foreclosure Monday morning. We moved and with our lives and were starting to rebuild our finances and credit while our property was boarded up, lock boxes placed on the doors and fences, and Roundpoint Mortgage Services Co took ownership of the property. In XX/XX/XXXX we received a letter stating Roundpoint Mortgage Services Co. had illegally foreclosed on our property, were restarting the foreclosure process, and billing us for missed payments since XX/XX/XXXX along with foreclosure fees again. After immediately contacting Roundpoint they were denied working with us and that although it was their mistake we were still at fault for missed payments for over a year on our credit along with a second foreclosure. In XX/XX/XXXX we received a notice from the town of XXXX, MA stating that the property was a public nuisance and a hearing was being held. A decision was made that we were liable to have the house demolished despite it being in the hands of the mortgage company ( who was contacted by the town regarding the property ) and use being locked out of the property. The town only gave 45 days for action to be taken. Roundpoint has dirtied the deed and is now again attempting to put myself in financial ruins for the same foreclosure.

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent all 3 credit bureaus, the proper paper work on the this bankruptcy, I have asked them to give me something in writing stating how they got this information, all I want them to due is verify how they got this information in order to put it on my report. I have typed proof, that the United States Bankruptcy court didn't report this to any of them, also I have a typed report from XXXX also stating that they don't report. and also XXXX XXXX stating that they didn't report. So please explain to me in writing how you all got this information, to put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent all 3 credit bureaus, the proper paper work on the this bankruptcy, I have asked them to give me something in writing stating how they got this information, all I want them to due is verify how they got this information in order to put it on my report. I have typed proof, that the United States Bankruptcy court didn't report this to any of them, also I have a typed report from XXXX also stating that they don't report. and also XXXX XXXX stating that they didn't report. So please explain to me in writing how you all got this information, to put on 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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Setting up an acorns account but pnc is refusing by way of policy to link the accounts via mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Step 1 : What is this complaint about?

Went into contract to purchase a new construction home with XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX XXXX Gave a deposit of {$2500.00} and approximate expected closing date was XX/XX/2020. 
Applied for a loan with the builder 's preferred lender Caliber Home Loans for a USDA loan and submitted all paperwork requested in mid XXXX and was informed on XX/XX/2020 that the USDA loan had been denied due to income limit being above the requirement. They waited over 2 months to realize that I didn't qualify when they had all my information for the last 2 years where it shows my income to be very similar to today 's. Why was this not done promptly to confirm or deny sooner?

Step 2 : What type of problem are you having?

After sending me the USDA loan denial notification, Caliber Home Loans offered an FHA or Conventional loan options and sent Good Faith Estimates for both types of loans.

In conversations with the loan officer XXXX XXXX I mentioned that due to the Pandemic Covid-19 my current contract at XXXX XXXX XXXX may not be renewed and that I may lose my job, and possibly my last paycheck was XX/XX/XXXX. 

Step 3 : What happened?

Caliber Home Loans accused me of exaggerating so I could get my closing costs covered and that due to my disclosure of a possible unemployment situation he had no other choice but to deny the loan.

Step 4 : What company is this complaint about?

I explained the situation to the builder 's sales representative XXXX XXXX and he forwarded two other preferred lenders to start the pre-approval process again. I refused to authorize these two other companies to run my credit. In addition to the fact that I can be laid off and that the first preferred lender had already denied the loan, I asked the builder 's representative to cancel the purchase because I was denied the loan. 
The builder is now sending me a cancellation & release form stating that management spoke to Caliber Home Loans and they determined I do qualify for an FHA loan and that XXXX would expect me to close on time. 
I feel this is unfair and untrue because I have it in writing where the loan was denied, so it is not because I don't want to close but due to the reasons stated above. 
I understand if they don't want to give me my {$2500.00} deposit back plus the {$500.00} deposit for upgrades selected but for me the most important thing is to make sure that I am not liable for anything else. 

Step 5 : Who are the people involved? 
People involved : XXXX XXXX XXXX, Caliber Home Loans and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.

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 2020-06-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
have been effected by COVID-19 due to lost of employment. I informed Schrony bank ( Pep-Boy ) of this information and still continued to make payment on account. My account closed when payments were being made. It is my understanding that creditors should not do anything negative to consumers credit during this pandemic for those who were affected. You used information reported during a Pandemic and not based on my paying history. Your closing my account with a remaining balance has cause a negative impact on my credit report. According to Schrony Bank, Information was given by XXXX XXXX that acccounts were reported negatively in XX/XX/2020. All negative items were disputed and corrected by other creditor and XXXX XXXX continue to report negative information against the Care Act Bill. after I provided information from the creditor showing negative information was being removed from credit report. This information was provided to to XXXX through previous CFPB complaint filed.

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 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data and Contact Management Solutions, LLC
State: AE

Complaint narrative:
I purchased a phone from XXXX XXXX in XXXX 2019, at the time I purchased the phone, I notified XXXX that I may have to move for an overseas assignment with the U.S. government. After I moved overseas, I notified XXXX and they send me instructions of how to return the phone and assured me that I would not be responsible for any further charges on the phone once they received it. I returned the phone per the instructions from XXXX, but the Post Office lost the phone on route. I have the tracking number ( XXXX ) to show that the phone arrived XXXX XXXX, Texas where the XXXX facility is located, but it did not arrive at the XXXX facility. I contacted XXXX, which assured me that I would not be held liable for the phone because it was the Post Office, not me, that lost it. However, XXXX nevertheless reported me to a debt collection agency and also perpetuated fraud by false reporting that I was deceased. I contacted XXXX, and the first representative and their supervisor assured me that the charge would be deleted from my account, but then the third representative from their collections department repudiated all the statements that previous XXXX representatives had told me and said that I needed to pay the debt collection agency the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
On XX/XX/2020 I sent my final payment to pay off my mortgage to PHH Mortgage Services of XXXX. XXXX NJ XXXX. They requested an additional processing fee to pay for interest, lien release, recording fee, which I paid on time as required. The total pay off amount was {$1100.00}. However, they are still sending me statements instructing me to continue to make payments and stating that I still need to pay off that amount, even though they have taken it out of my bank account. One consumer representative told me that I would get a paid in full letter within ten days of sending the processing fee, however it has been nearly a month ago. Now I'm being told to continue making payments on the account. Why? Because they have not applied my payoff payment of {$1100.00} to my account. I am wondering if they are trying to get more money out of me, take my home away from me, or are just stupid. I have been an excellent customer and have always paid my payments on or ahead of time. If they will do the right thing, I will have paid this mortgage off 15 years early. There is no prepayment penalty on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
on XX/XX/2020, I sent two certified letters one to XXXX, tracking number XXXX XXXX XXXX XXXX XXXX and Trans Union, tracking number XXXX XXXX XXXX XXXX XXXX. They were letters of request of verification on items on my credit report. As of today, XX/XX/2020 I haven't heard from either bureau.

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have a ReliaCard from US Bank for unemployment payments. I was able to make the first two transfers to my personal bank account successfully. The third transfer I received an error. I tried calling the customer service number hundreds of times only to be disconnected after being on hold for hours. I then  went to XXXX and saw many complaints. I DMd US Bank and they responded. After several days going back and forth I was able to make one transfer. Now Im trying to make another and am receiving the same error as before. They know there is a problem again and Ive not heard from anyone. 

This card is issued by the Commonwealth of Pennsylvania, but yet you can not get your money and there seems to be no urgency to respond or correct the problem. You can see all the complaints on social media. I need access to my money. Please help!

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 2020-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I recently looked at my credit report and seen Santander financial showing as closed account/ bad debt with a charge off amount but car was totaled and insurance paid off the the loan, and I had gap insurance coverage insurance was through the general so should not be showing as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
I have sent 3 separate emails to the company requesting payment deferment & relief from late payment charges and negative reporting, due to my decreased income during this pandemic on XX/XX/20 at XXXX XXXX, the same day at XXXX XXXX, and another on XX/XX/20 at XXXX XXXX. Neither have I received a single confirmation that my emails are being received, nor an emailed response from the company. 

But I continue to receive texts that my payment is late, the most recent was 'your payment is now 25 days late. ' Concerned that I will be negatively reported and frustrated by not knowing where my request stands, I called them today, XX/XX/20. I was told that my request was forwarded to their support employee named XXXX but the representative I was speaking with was not sure if XXXX tried to call me or send me an email. 

I told her that I definitely have not received any emails to my external email address ( I even checked in the spam folder ) or to my message box on lendingpoint.com. I further informed her that because I receive numerous spam and fishing calls, I do not answer unknown calls, which is why I initiated my communication to them through my lendingpoint.com message box. In the middle of our conversation, the representative 's line went silent, then completely dropped. I waited for a return call, but no effort was made to reach out. 

I have also tried in vain today to verify my pay-off amount and access my loan terms and documents but nowhere in my online account on their site did I see a link to the loan documents and the pay-off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
have been effected by COVID-19 due to lost of employment. I informed XXXX XXXX ( XXXX ) of this information and still continued to make payment on account. My account closed when payments were being made. It is my understanding that creditors should not do anything negative to consumers credit during this pandemic for those who were affected. You used information reported during a Pandemic and not based on my paying history. Your closing my account with a remaining balance has cause a negative impact on my credit report. According to XXXX XXXX, Information was given by Trans Union that acccounts were reported negatively in XX/XX/2020. All negative items were disputed and corrected by other creditor and Trans union continue to report negative information against the Care Act Bill. after I provided information from the creditor showing negative information was being removed from credit report. This information was provided to to TransUnion through previous CFPB complaint filed.

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.

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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I would like to link my checking account with XXXX, an on line crypto currency exchange. They have informed me that PNC no longer allows this type of a relationship with a third party. Crypto currency is gaining popularity and I want to be able to access my funds on deposit in order to purchase Bitcoin and other crypto currency directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: LA

Complaint narrative:
My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXX ( the collection agency provided by XXXX XXXX ). I was never told that the collection company would take 30 days as well as the creditor ( XXXX XXXX ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. XXXX XXXX sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from XXXX  XXXX stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at XXXX XXXX and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like XXXX XXXX to rectify the situation. 



Not admitting to the debt

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