vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I have an 800 - 804 Credit Score and in the process of refinancing my home starting XX/XX/2020. In XX/XX/2020 my license which was set to expire in XX/XX/2020 was extended an additional 60 days per the State. Each State across the board extended licenses expiring XXXX and XXXX because of the Nationwide Shutdown of all government offices. I explained this to the finance company of Flagstar, sent them the Government link showing .gov in the website and still they refused. Their own state had 90 day extensions etc because of the same situation. 

When government office opened back up on XX/XX/2020 the first available appointment was for XXXX XXXX traveling to a different city in the same County. Flagstar bank has sat on my refinance for what will soon be going on 4 months. They gave me each run around possible as to why my refinance was taking XXXX-4 months to close blaming the title company etc but will not disclose the name of the Title Company. I provided all documents early XXXX in a single business day, pay stubs, employer information W2 's in early XXXX. 

I pleaded with Flagstar in XXXX to please complete my refinance by XX/XX/2020 as this is when my license will expire and yet they did nothing. Flagstar holds my loan currently and I thought would be easier to refinance with the same company. I have never heard of a refinance taking 4 months when there is no issue outside of them not wanting to accept my license then agreeing to take It and what seems to me them intentionally waiting for it to expire to then allow that to be the issue. I will have made 4 payments at a higher rate with PMI by now all because no one is held accountable and does not impact them directly yet impacts the consumer on the other end. 

During the course of the refinance I would ask if rates have changed and they refused to run rates until the process was near completion. Now here we are 4 payments and going on 4 months later. I have cc 'd XXXX XXXX, XXXX XXXX XXXX, my loan officer XXXX and Processor XXXX XXXX each time. 

This company is dishonest and biased on there own terms with no standing ground or explanation. I hope no one else has to go through the process I went through where things are not explained, extreme lack of communication and taking 4 months for a very easy refinance, not a complex case at all what so ever.

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 2020-06-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has not corrected erroneous and negative information on my credit report in spite of numerous requests to them and numerous complaints to CFPB. The incorrect information has to do with my revolving account at XXXX XXXX. The same erroneous information was also on reports from XXXX  & XXXX  but they have corrected the information since then based on the supporting document from XXXX  submitted to them. However, Experian continues to deny my claim. It has close my recent complaint at CFPM citing that : 1. They contacted XXXX and the information has been verified to be true. This is a false statement because I know for a fact that the specific department at XXXX that would verify this information has been closed since XXXX on account of the pandemic. Additionally, if they contact XXXX, XXXX would verify that what I am saying is true since they sent me a letter in early XXXX which states that they agree that they reported negative information in error and that they've requested the various credit agencies to delete this potentially negative information from my credit report. 
2. The supporting document/letter from XXXX  ( that I uploaded to my complaint ) directly ascertains the facts but Experian is ignoring the letter. 
I urge the CFPB to read my complaint and the supporting document to verify for themselves that Experian is perpetuating fraud and lies in this situation. How can CFPB allow a company to blatantly lie when the facts prove otherwise?

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 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My home of 20+ years is scheduled for foreclosure on XX/XX/2020. 
Although my payments were behind prior to the Covid Pandemic - In XXXX of this year, I had finally resolved a discrepancy between my employers Insurance and myself and a settlement was in the works to include timeloss benefits and approval for my XXXX XXXX  XXXX. I felt certain I could keep my home and stay current on my payments, if a Modification were approved. 
Then Covid 19 shut down everything - My Lawyer, Insurance, medical and there was nothing i could do - My Attorneys office and I have just recently started talking again, but the prediction of resuming a settlement is now for sometime in XXXX. 
My Mortgage company gave me 30days written notice of foreclosure ( XX/XX/2020 ). I have tried contacting them nearly everyday but they are unreachable. 
- we set up 2 telephone conferences The first they claim they had my wrong phone number despite the many emails ive written correcting them, to include the email confirming our phone apt., and ive had this number for over a year. 
The 2nd phone apt., I waited by the phone for an hour - they never called! Finally I sent them an email asking why and never got a response. 
- The many emails i have sent, requesting a meeting so that i could explain how Covid has halted my progress along with some ideas and questions as to how i may save my home go unanswered. ( i.e. adding a family member to the note and/or modification or forebearance ). 
WHY cant I at least get some answers. 
I am trying very hard to save my home and feel as tho i am being ignored intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/2020 I called Banana Republic credit card regarding charges that were not authorized on my account. I was told I would get the extra interest that was added to my account refunded to me when the dispute was resolved. When I received the interest refund for the unauthorized charges it was not what I calculated that I should be refunded. The Company only gave me back the interest for each individual unauthorized charge and not the total accumulated amount I was charged on the balance on my account. And in the following statements they reversed the interest credits and added the refund amount back to my balance. I was also informed of a interest rate increase from 26.99 % to 27.49 % in the same bill with the interest refund with no explanation for the increase. 

There was 3 unauthorized monthly charges for {$370.00} each on my account and I received a interest refund for exactly {$8.00} for each monthly transaction. My interest rate was 26.99 % at the time of the dispute and as of XX/XX/2020 increased to 27.49 % for new purchases.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
collection not mines

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 2020-06-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I had a trip planned and paid for with XXXX, which due to the COVID19 pandemic had to be cancelled. XXXX was having issues processing refunds ( up to 8 weeks ) so I filed dispute with Citi band as I did not feel I should be on the hook for this dollar amount for that long simply due to a billing issue. Citi reversed all but one charge. Citi has told me they received no push back from XXXX on this charge, that it " aged out '' without me responding. My issue : 1 ) letter was NOT issued on date it was dated and 2 ) I have called multiple times without resolution. Backdating documents is NOT ok, especially when you'll use them to then say an item has " aged out. '' Citi needs to reinstate the reversal.

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 2020-06-25 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/2028 charge was debited to my account which overdrew it by {$58.00} between the XX/XX/XXXX and the XX/XX/XXXX which is nine days I received three separate charges for this one {$58.00} charge. One {$37.00} overdraft to sustained overdraft fees of {$30.00} each and just nine days. Then on XX/XX/XXXX I had a {$20.00} charge debited to my account this charge was expected but because of excessive fees of sustained overdraft charges that come every three or four days which made it out of my reach to catch up. So then on XX/XX/XXXX XXXX made his own decision to charge that card with the charge had not originated from a {$5.00} charge which gave me another {$37.00} fee saying day XX/XX/XXXX I received two {$30.00} charges for sustained overdraft on the same day. Not taking in consideration what our country is going through and the people are going through at this time during the pandemic they are aggressively and excessively pushing this sustained overdraft fee more than anyone else. I am on Social Security XXXX and my income is what I have lived on prices have doubled for food and everything else I had to expected charges get or debits that I could have managed some banks let you see them before they post and if you get there that same day and make a deposit it is fine. This aggressive fee scales needs to be impressed when you get to charges in the same day during the middle of the worst health and economic crisis of our lifetime they should be a little more lax with some of these fees to represent some kind of an American compassion and spirit all my debts get paid every month but these fees are not right. So for a {$83.00} amount of debt they stand to collect {$200.00} and possibly another {$30.00} before my check comes again I have no way to make that money up during this crisis. If they were working with the American people this would never happen. It's almost like one of those scandalous car towing lots where they pick up your car for violation and add so many excessive fees every day to you can even afford to get your car this needs to stop

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
collection not mines

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
collection not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX Missed loan payment, XX/XX/XXXX applied for Forbearance. XX/XX/XXXX Forbearance granted. XX/XX/XXXX Attempted to make all payment and cancel forbearance. We spoke to a customer service rep and made all past due payments, however due to his error of under charging us by {$6.00} our XXXX payment was put in a " holding account '' until we called on XX/XX/XXXX because account was still showing default online. XX/XX/XXXX Called and spoke with a supervisor that explained what had happened also again canceled forbearance and set up autopay for XX/XX/XXXX and all future payments. XX/XX/XXXX received an email that autopay is setup. Online account shows autopay setup, still shows account behind, also shows active forbearance. We sent numerous email message, called and could not get a live person, we even asked for a call from a live person with no response. Our credit is showing we are 7 months past due on our mortgage. XX/XX/XXXX We made an online payment because our credit union does not show a draft. We called and actually got a representative ( loss mitigation ) haha because we are calling about what they still list as a past due account. XXXX helps with problem assures us that account is current and transfers me to customer service for help with credit issue and letter for auto finance letter because XXXX XXXX has rescinded their offer on a car we purchased on XX/XX/XXXX due to " delinquent mortgage ''. Customer service XXXX states she can not help. I do have all documented email from loan care and rescinded offer from XXXX XXXX.

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 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I am the 3rd part Listing Broker for XXXX & XXXX XXXX. 
Since XX/XX/XXXX I have been trying to negotiate a short Sale with Lender Carrington Mortgage. Since then I have had multiple offers on the property and submitted them to Carrington Mortgage. Each time the offers where denied. From XX/XX/XXXX till about XX/XX/XXXX Carrington Mortgage finally sent someone out to look at the property. Please note this property Has been on the market over 300 days. 
The property needs much repair. 
My last offer was entered on XX/XX/XXXX. When carrington set the appraiser out he asked how much the contract price was. I told him he said after viewing the property that XXXX would probably be high price for this property based on the condition. 
On XX/XX/XXXX I called Carrington to check status of my offer and the value of the property as per the Appraisal / BPO I was told the value was XXXX. I asked for a copy of the appraisal this way I could show it to the buyer to see if I could work the offer up. I was no problem it would be emailed. Never got it. I called back on XX/XX/XXXX and was told that I could not see the appraisal / BPO. However a asset manager would contact me. I never got a call. On XX/XX/XXXX I got a message on the XXXX XXXX to upload the offer that was already sent to them in XX/XX/XXXX. Then about 1 hour later I got an email from XXXX that the short sale was declined. They did not even Counter the offer. I feel that Carrington is acting in bad faith and not helping in any way the borrowers to avoid foreclosure. Not Providing a copy of the appraisal / BPO is a violation of CFPB rules.

Carrington Mortgage is hampering me from doing my job. The appraisal / Bpo is a tool I could use to help get the buyer to that price.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from 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 explanation
Consumer complaint received 2020-06-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from 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 explanation
Consumer complaint received 2020-06-25 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: TN

Complaint narrative:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX-XXXX XXXX   XXXX XXXX XXXX  XXXX

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 2020-06-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX-XXXX XXXX   XXXX XXXX XXXX  XXXX

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Americans express card charged my {$500.00} a year with a no limit credit card limit but instead the gave me {$4000.00} spending limit this was NOT they agreed to. I gave demanded a full refund for membership fee for the 7 years but the refused I have been con and discriminated against as other people with the America express platinum card have no spending limits. But I was not given the same treatment.

Company response to consumer: Closed with explanation