vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
I was financially impacted by COVID-19 and had trouble making mortgage payments. My mortgage servicer, Homepoint Financial, offered a forebearance and a subsequent HUD backed Partial Claim which deferred missed payments to the maturity of my mortgage.

Homepoint sent me the partial claim documents to get sign and get notarized. The first set of documents were inaccurate and included a former lien holder. The second set of documents were signed and notarized and sent back Homepoint. Homepoint rejected the documents because the notary seal was on the left side of the page instead of the right. Homepoint sent me a third set of documents and I returned those as well. Homepoint rejected these documents and stated the state of Indiana was crossed out without initialing by notary. As an attorney, I requested the notary to initial and he did. Homepoint will not provide customers copies of the mortgage documents they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/20 I called Chase Business Services to see if there was a way to get my payoff lowered or reduce my payments/interest rate. I was told that it would adversely affect my credit score if I settled on a payoff less then the amount owed. I then asked if there would be any additional charges if I just paid the card off and the answer was no. So on XX/XX/20 the card was paid in full. I then received a bill on XX/XX/20 for {$73.00} as an interest charge on {$0.00}. I called Chase business service about this and they responded that the interest is a month behind. In this way of doing business how would the card ever get paid off? They will continue to charge interest on the interest each month even though the card is paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This account with Capital One Auto Finance have been on my report for 10 / years. Per law the account can only stay on your report for 7 years after they 1st date of the account being open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I went into forbearance with US Bank due to covid concerns and requested to end the program on XX/XX/XXXX. They were supposed to provide with paperwork to complete the request and did not. I contacted them on XX/XX/XXXX asking about the paperwork and was immediately sent it via email. It stated I had until XX/XX/XXXX to sign and file the final paperwork to defer payment to the end of the loan and officially resume my regular payment. I called on XX/XX/XXXX because i had still not received the paperwork. I was told it was still in underwriting and they were backed up. I called again on XXXX and was assured they were working on it ad someone would get back to me. Again i called on XX/XX/XXXX and was told they were going to escalate the issue and would get back to me ASAP with a resolution. Today XX/XX/XXXX, after not hearing back from anyone, my loans was placed into collections with no notice or information from US Bank as to why, or any paperwork to defer payment and finalize my forbearance. US Bank has failed at all turns to resolve this situation. I resumed payments on XXXX and the funds were placed in suspension.

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 2020-09-21 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: GA

Complaint narrative:
This company continues to report a bankruptcy on my credit file. I've previously asked for the method in which they received the information reported. Their response in writing has been ; the source of there information is via XXXX. I've contacted XXXX and received a letter that the bankruptcy reported is not valid. As a result, information should be removed. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: MN

Complaint narrative:
XXXX XXXX  sent debt validation to XXXX XXXX  on XX/XX/XXXX on my behalf. The company responded on XX/XX/XXXX with a letter asking me to provide basic information about me. ( Document attached ). I have sent letters with attached documents and nothing has Beem done to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
i have refinanced my home and got a new mortgage, i logged inn to the new lender site and follow the instructions on the payments and sent the payments. i got a conformations the payments where made. 
after 2 month of payments my credit dropped 130 points i call to see where is the issue from they told me its the mortgage. the mortgage company never sent me any notice nor email or letter, when i called the company they told me they tried to call me, i naver got a call from them as well. i have paid it as soon as i found out and made sure the information is correct for the future. 
i occupy this property as a primary resident and i never got any letter from them. i requested a copy of the letter that they claimed to send, its says on it draft unsuccessful witch only proving they never sent anything, as this is not my fault and i never had a late payment, i request it to be removed from my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: IL

Complaint narrative:
Application was approved for {$2500.00} XXXX XXXX via internet application then application approval stated, call in for final approval, I received final approval and I was congratulated. Representative stated that I could activate card online ... .then I received card in mail ... .I was unable to activate and I called in only to transfered to department specialist. Then I was told ... .. I was requires to send in Tax form XXXX. I submitted all required documentation that was orginally required to get approved. 

I believe that I was unfairly profiled due to personal reasons of represenative after hearing my voice. If this wasn't the case I don't think I would have been originally approved and sent a physical card. Their was no request for Tax information or any documentation to verify who I was if that was a issue. I feel unfairly targeted and would like this issue reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: NY

Complaint narrative:
I have yet to receive my keybank card in where my unemployment money is currently being sent to. Every time I attempt to call the bank or the unemployment number, nobody answers and they leave me on hold. I have not being able to receive any of my money because nobody answers me or sends me the card. According to my account the money is being deposited to the card every week, but i have not been able to use it. The money has been deposited since XXXX and i still have not receive my debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: OH

Complaint narrative:
I have a car loan with XXXX XXXX. On XX/XX/XXXX the car in the loan was totaled by another driver. XXXX XXXX was responsible and paid off the vehicle in early XXXX. On XX/XX/XXXX XXXX contacted me regarding a remaining balance. I paid for the remaining balance to close the account on XX/XX/XXXX. On XX/XX/XXXX I received a late notice for my car payment for the account that was closed. I called to address the issue. XXXX advised they would call back. They never did. XXXX filed with the credit reporting agencies that I am deliquent on this account. The car is paid off and they now say I owe another {$700.00}. They also reduced my credit score by 100 pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CA

Complaint narrative:
I have attempted to send multiple correspondence to this company and have not received dispute results or how these items were verified and kept on my report. I am distressed and am being negatively affected by these erroneous, unverified items. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 and haven't received a response to my disputes or paperwork showing how the item was verified with signed paperwork from the original creditor. I would really appreciate some communication from the bureau or corroborating in an actual investigation with removal or erroneous and unverified items.

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 2020-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I did a refinance of my mortgage and Rushmoreoan Management Services obtained my loan. 
On XX/XX/XXXX, I contacted them to advise my home owners insurance had not been paid. 
Last week I spent over 3 hours on the phone trying to get them to pay my insurance from escrow fund that has over {$3000.00}. 
I talked to sever supervisors and they said would escalate my problem. 
XXXX XXXX advised me my insurance has expired. They contacted Rushmore to try to get insurance paid. As of today they still have not paid it. My loan number is XXXX and loan is XXXX XXXX XXXX. I would like to report them and get them to pay the insurance from escrow that has funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: OR

Complaint narrative:
On 2 separate instances, I have had trouble with getting any record of my equifax credit report from them. I have 2 reports through XXXX  and XXXX that reflect my credit history, yet equifax has 0 record. On XX/XX/XXXX I sent a record of my identification confirming my Oregon driver 's license, Social Security and address to no avail. I was told I didn't exist, and even offering to share my other credit reports to no avail. 

During the span of XXXX my wife and I were attempting to secure a new car loan. During this time, we tried again to work with Equifax. During this time, we again sent the information, and even successfully pulled 2 credit reports from XXXX  and XXXX. I hopped on the phone with equifax and was told to send documentation again, and received a letter on XX/XX/XXXX saying I did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I spoke with Trans Union Rep and told them I was affected by their ( INQUIRY ISSUE ) The told me to contact companies that did the inquiries. So I did and they told me I requested the inquiries which is false. And they would not give me a letter to give to Trans Union stating that fact.

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 2020-09-21 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: WA

Complaint narrative:
Several years ago, after repeated public disclosures of credit breaches, I went to the primary Credit Bureaus and established Credit Freezes. During the process of opening accounts a different financial institutions I was successful at releasing the freezes for a week or so and then having them established. I then had an issue with going online with Equifax to have the freeze opened for a week, and was rejected from the account. After several attempts they totally blocked my IP address and would not let me even attempt to access the account. I eventually reached their data center, and was told to fax my passport and driver 's license, which I did XXXX XX/XX/20 XXXX. After several weeks and no response, I mailed them another follow up confirming the fax with passport and drivers license and asking what more was required ( XX/XX/20 ). What was amazing was the on XX/XX/20 I received a notice ( dated XX/XX/20 and post marked XX/XX/20 ) telling me my security freeze would be lifted from XX/XX/20 to XX/XX/20. I could not believe it. I asked for a name of a person and a contact number to resolve the issue. I never hard from them. 
I have tried dozens of times to contact Equifax, but their systems do not allow me to even register a complaint. I get dumped completely. 
What is interesting is that they do allow you to buy a monthly membership to MyEquifax, for a fee, where they will allow you to talk to a person. The organization that controls the online access to remove freezes is a separate organization and they can only transfer you call, to an automated system that will just kick me off the call. It almost sounds like they are trying to extort a monthly fee to be able to access your personal account. 
What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MT

Complaint narrative:
I has denied my FHA refinance loan at closing because Carrington Mortgage Services LLC took  OVER 120 days to finalize my loan approval, and the issues that developed with Covid-19 and my age and being in a high risk category for contracting and possibly XXXX  from the virus. I unexpectedly had to change jobs one and a half weeks BEFORE my closing was to be scheduled by Carrington Mortgage Services due to the risks at my existing job and contracting Covid-19. For my health and safety, I had to switch jobs where I did not travel across several states each month. exposing myself to disease contraction at gas stations, hotels, rest areas, and restuarants. This change was necessary on XX/XX/2020. I applied for my loan with Carrington Mortgage  LLC in late XXXX of 2020. The refinance loan was approved in XXXX of 2020, after 90 days of very slow progress on Carrington 's part, yet no date was given for closing at that point.

Carrington Mortgage LLC did not consider my FHA loan a priority and it was placed at the bottom of their list to complete. By the time they decided to talk about closing it had been OVER 120 days since I had applied. They denied my loan at closing because I had to unexpectedly change jobs for my health and safety even, though the approval of the loan came from them in late XXXX. 

I was discriminated against do to my age, high risk and XXXX involving Covid-19. I lost over {$900.00} in paying for the property appraisal which showed my home as XXXX over the market price of what Carrington 's paper work had listed. Because of Carrington Mortgage LLC 's inefficient and prejudice methods of processing loans, particularly FHA loans versus their conventional loan applications from clients with higher credit scores and less misfortunes, I was not able to refinance my home, and have experienced extreme financial and emotional duress. I was denied my refinance because I could not hold on for over 4 months at a job that was risky and possibly deadly to me due to the pandemic. This is discrimination and preferential treatment of loan applicants by XXXXarrington Mortgage LLC.

I have also filed a complaint with HUD against Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CA

Complaint narrative:
I have attempted to send multiple correspondence to this company and have not received dispute results or how these items were verified and kept on my report. I am distressed and am being negatively affected by these erroneous, unverified items. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 and haven't received a response to my disputes or paperwork showing how the item was verified with signed paperwork from the original creditor. I would really appreciate some communication from the bureau or corroborating in an actual investigation with removal or erroneous and unverified items.

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 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX XXXX XXXX did a hard pull inquiry on my equifax credit report in which I didn't authorize. I didn't have XXXX XXXX at this time. I wrote to XXXX XXXX  and they wrote me a letter which I have dated XX/XX/XXXX that they will remove this hard inquiry from my credit report. Months have gone by and I have tried to reach out to XXXX XXXX again and no one from the company replies. I tried to reach out to Equifax and supplied them a copy of the letter from XXXX XXXX and they refuse to remove the hard inquiry stating that it is factual. I know that this inquiry will drop off in about 6 months however, the reason why I am submitting this is because it isn't right due to the fact that I never authorized this nor did I have this service. I am asking that this inquiry be remove from my Equifax Credit report since I never authorized this. 

My name was changed after I got married from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have supplied my change of name certificate in here too to clear up the confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: SC

Complaint narrative:
MY WALLET WAS STOLEN AND MY IDENTITY

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 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A third party processed a fraudulent or mistaken {$430.00} ACH or electronic charge against my Bank of America checking account. I called Bank of America to report the fraudulent charge. Bank of America froze my account and refused to open a new identical joint account for my wife and I. I am a longstanding Bank of America client ( since 1984 ). We are unable to pay bills and the funds in that account are trapped and we are being denied access to the funds.

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