vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: AK

Complaint narrative:
I received XXXX On XX/XX/XXXX. 
There were no terms sent to me stating it was a 600 % apr. 
I made a payment of XXXX on XX/XX/XXXX. 
I called to payoff in full on XX/XX/XXXX and was told I owed XXXX I set up to pay that amount and its still in my account XX/XX/XXXX. Even though I was scammed. They never disclosed the payback amount until I signed the agreement. And why is it still in my account? They need to be stopped. Shut down. I cant afford to pay that back but had to borrow because if the interest kept on it wouldve been XXXX to pay back and now I dont have rent money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was added as an authorized user on someones primary trade line in XX/XX/2020 and was taken of the account in XX/XX/2020, but the authorized user trade line is still being reported as open when its been closed for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
Today I tried to reach out to customer service for well over an hour and a half.I was connected to two different people, none of which were able to help. Anytime I need to contact my mortgage servicer, I get a runaround and no answers because I'm always sent to the wrong place. I would like to know when/how to remove the PMI.

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 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have escrow account with Flagstar mortgage and they are responsible for my home insurance and property tax, at least that is what they have been doing since i purchased this home in XXXX. Yesterday XX/XX/XXXX, i received a property tax bill that my first installment was overdue, so I called flagstar the following day. They said they have made a payment of {$4300.00} on XX/XX/XXXX which was late and i was assessed penalty of {$390.00}. I asked flagstar to be responsible for this late fee but they refused, stating that " someone '' requested a pay-off on my loan, hence they put a hold on my account. This is very ridiculous since anyone can request for pay-off amount, at anytime, as many times as they want. Im in a process of shopping around for my refinance. I have never once been late on my mortgage, never requested any forbearance even in this difficult time. Both my husband and I are XXXX  and we do not have time to play game with them. I am a XXXX, working long hours dealing with rising number of covid patients day in and out and im beyonf exhausted. Seeing this bill was my last straw. When I was on the phone with the representative of flagstar, case id # XXXX, I asked to be transferred to whomever that can resolve this issue but was told that the department do not take calls or make a phone call. I have a feeling this company and their way of doing business is not transparency. Of note, flagstar was also late on making payment on my home insurance, in which i was notified by my insurance broker and have covered the payment. Flagstar never once notified my by letter or email that they put my account on hold? I mean if that was the case my monthly mortgage should be on hold too then? I am fortunate that i can afford my mortgage but I do feel the need to let the authority know about this matter because many Americans are facing financial hardship and this could be the unnecessary stress on 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 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: PA

Complaint narrative:
According to my credit report via XXXX XXXX, a First Progress Card was opened XX/XX/XXXX. At the time the account was opened I was incarcerated. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX therefore I am not responsible for this account. This account was opened fraudulently using my information. I have contacted First Progress Card and no action was taken. I would like this account deleted from all credit bureaus and a discharge of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously disputed a derogatory item I found on my credit report with equifax and sent them an affidavit denying that the debt is mine and and when they said they verified it, I sent another affidavit. Requesting proof of the verification methods in which they used to verify this debt as accurate. I sent the affidavit asking for verification of the methods they used on XXXX XXXX and they have still not responded. Which is a violation of the FCRA. As it has been more than 30 days since they received my dispute letter and have not responded nor have they corrected the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
A fraudulent inquiry is reporting via Equifax XXXX XX/XX/2020 by XXXX  / XXXX ). The inquiry is the result of identity theft. Disputes, including a law enforcement report, have been sent to Equifax on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020, XX/XX/2020 and XX/XX/2020. As a credit report ordered on my behalf today, the fraudulent inquiry continues to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of for being ignored of my disputes. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 35 days over 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 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 explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I applied for a credit card, and the company told me I had to lift the security freezes on my credit information at all three bureaus. I had no problem doing this online on XX/XX/XXXX for XXXX and XXXX, but the online system of Equifax said I had to call and do this in person. So I called Equifax on XX/XX/XXXX. Their robo-system is slow and terrible, but I went through all the steps, to the point where they use information, supposedly from my credit report, to verify my identity. The system asked for information on the home mortgage I took out around XX/XX/XXXX, asking me to identify which of four companies provided that mortgage. I had never dealt with any of those companies, and did not take out a mortgage in XXXX ( I did refinance a mortgage in XXXX, but not with any of those companies ). The system then asked me for the monthly payment on that mortgage which I did not have and when I answered none of the above, it said it could not unfreeze my report and that I would have to send in a letter. I tried multiple times to get through to a live person, but there was no way to do this. I lost nearly an hour navigating the menus and responding to questions, all to no avail. I think it is not right that a company like Equifax should be able to gather and sell my information without my authorization. It is even worse when they make it impossible to efficiently freeze and unfreeze use of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
Today, XX/XX/2021 i sent the following email to Mr. XXXX XXXX, CEO for Fairway Mortgage Co. He dismissed my concern as if this is normal behavior from one of his employees. 

XXXX, Please review your mortgage loan officer, XXXX XXXX XXXX XXXX NMLS # XXXX ) comments to the client where he accuses me of offering something that is not reasonable and questions my integrity a few of his comments :. The Mortgage insurance is just like the rate, no way. 
With me, the numbers will be accurate, we will close you on time, you will have a much better experience I can not lose you to the bank on bad information Ive spent 27 years in this industry with an impeccable reputation. XXXX XXXX, XXXX XXXX, you and I spent time together so I believe you know my work ethic. 
I dont appreciate anyone attempting to undermine my integrity. For what its worth the taxes were unimproved last year explaining the increase, client is locked at 2.5 %. 
Im sorry XXXX feels frustrated he lost the client but frankly taking the high road is advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was reported 30 days past due on my Chrysler Capital vehicle lease. I could not determine why and what the error may have been therefore I continued to pay what was asked to avoid any further damage to my credit. Today, on XX/XX/XXXX I received a check for {$470.00} that was a result of a " file review '' ( attached ). With said check being received it is apparent that there was some issue with my file. I will accept the refund but I will also like the 30 days late marks removed from all three of the credit bureaus and my file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
My prepaid Visa card expired XX/XX/20 with {$150.00} on it. I've only had it 1 year. 

I try calling but, there is no way to reach a live person. 

The company is MyPrepaidCenter.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
On or about XXXX ( Xoom transaction # XXXX ) I attempted to send money and the transaction was to be immediate. My bank account was debited XXXX USD. 
The transaction then was reported to be on hold and a delay was imposed. 
On or about XXXX I contacted Xoom and was told the transaction was to be delayed further, I then canceled the transaction and I was told I would be refunded three days after the funds XXXX was received. This was odd since my bank was electronically debited XXXX on XXXX. 
On or about XXXX I received the inclosed email stating a refund was initiated and will take three business days. 
Today on or about XXXX I called Xoom and was told that XXXX has not been received and it will be refunded three days after receipt of the funds.

Prior to this transaction Xoom has kept funds from the below transaction. 

On XXXX my bank account was debited XXXX and money was sent on Xoom transaction # XXXX, it was canceled on XXXX. 
I contacted Xoom and was told the money was deposited in my bank account. 
I have not seen a credit to my account todate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX {$480.00} hotel showed a payment made on two different cards. The hotel fixed the problem. 


XX/XX/XXXX. {$23.00} Debit Visa was declined several times. I wrote a check. 

XX/XX/XXXX {$17.00} purchase declined. I used a different card. 

XX/XX/XXXX - XX/XX/XXXX {$610.00} total with 184 purchases on Visa Signature. 
Stop put on vendor and Card restored amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my bill for account MACY'S/DSNB ( opened XXXX XXXX, XXXX ) did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Below is what I have sent to numerous customer service research emails for XXXX. 

I am writing because XXXX XXXX, XXXX and XXXX is reporting negatively on my credit report. XXXX currently shows delinquent balance throughout XXXX as late as XX/XX/XXXX. The document attached shows where my total balance was paid in full XX/XX/XXXX. This property was sold to another buyer. The attachment also shows where the check for the balance of XXXX, was overnighted to XXXX as well as signed and received by XXXX employee XXXX XXXX on Wednesday, XXXX XX/XX/XXXX @ XXXX. I do see a hand written note that it was not processed until XXXX, however that was done by an XXXX Employee. I can not answer why it took so long to process. At this time I need all three companies to update my report immediately as this is hindering me from a new purchase. There should be no late or delinquent payments throughout XXXX. 

I have been working/waiting for XXXX to correct this error for over a year now and each week that i call for an update I am told it is being reviewed and someone will call me in 72 hours. I have been given two dates of XX/XX/XXXX and XX/XX/XXXX stating this will be resolved. I have literally called every week and I have not received a single return call from anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loan Cabin Inc.
State: TX

Complaint narrative:
I filed out the online application on loancabin.com in late XX/XX/XXXX. I was contacted by a Loan Cabin rep the next day and was told that a loan originator ( XXXX? ) would contact me shortly. In early XXXX, XXXX informed me ( via telehpone ) that I was pre qualified and I would receive my pre qualified letter shortly. The loancabin.com site does not have any way to upload documents, nor did XXXX ask me for any documents. I have never heard back from XXXX. I called Loan Cabin a few days later to get XXXX 's contact info ( XXXX ) and emailed him on XX/XX/XXXX. Still no response. 

I called Loan Cabin on XX/XX/XXXX and spoke with XXXX (? ) to file a complaint. She stated that she would contact XXXX to obtain an update or would find me another loan originator to work with. I still haven't received a response from Loan Cabin. I called and left a message on XX/XX/XXXX. I emailed their complaint department ( XXXX ) on XX/XX/XXXX. 

Loan Cabin has pulled my credit report. I need my application to be cancelled and to have my credit report inquiry to be retracted/deleted. 

Today is XX/XX/XXXX ... I still haven't received any response from Loan Cabin. 

--

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. They must be held accountable and to the standards clearly outlined in the FCRA.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial unfairly and improperly submitted late and/or delinquent reports to the credit agencies. I made every lease payment on time or early. I had a perfect payment record. The problem came after the lease ended. GM Financial charged me {$33.00} after the lease ( for unknown reasons ), and I never received a notice of the charge. I had signed up for paperless billing and notifications, but I did not receive any notice, either electronic or by regular mail. 

The first notice I received regarding the " late '' payment was from my credit monitoring service, which let me know that my credit score had changed. Meanwhile, GM Financial had been reporting me for the " late '' payment notwithstanding the lack of notice or any attempt whatsoever to contact me, a loyal leaseholder for 3 years. My credit score has now gone from XXXX to XXXX, solely due to GM Financial 's unfair reporting. 

I have called, messaged, and texted with GM Financial to no avail the call center is not staffed appropriately, the chat help center is incompetent, and the text message service does not respond appropriately. I have also written a letter to GM Financial.

Company response to consumer: Closed with non-monetary relief