vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
To Whom It May Concern, Please consider this an official letter of complaint regarding my interaction with Guild Mortgage Company. 

On XX/XX/2020 I began my home search. The realtor I was using referred me to XXXX XXXX with Guild Mortgage to begin the financing part of the purchase process. After initially speaking to XXXX I realized I needed to prepare more before beginning the process. Afterwhich I chose to begin the process on XX/XX/2020. I continously kept in contact with Mr. XXXX and followed and provided whatever information was required of me-TIMELY. On XX/XX/2020 I put in an offer on a home and my offer was accepted thus beginning the homebuying process. This also began the contract period with my earnest money with the Seller. My realtor and I contacted Mr. XXXX every other day to ensure I was in compliance with all of required documents to close on the home, The closing date was set as XX/XX/2020. Mr. XXXX confirmed that my file was submitted to the underwriter on XX/XX/2020. Mr. XXXX confirmed all that was missing was my tax transcripts from the IRS which were requested on XX/XX/2020 the same date that Mr. XXXX confirmed that the needed appraisal was ordered. 
On XX/XX/2020 I began receiving correspondence from XXXX XXXX with Mr. XXXX still in copy. At that time expectations where set and outlined. I believed we were on track to close. 
On XX/XX/2020 I sent copies of everything that was requested of me. At no time was it communicated with me that there was a danger of me not closing. As my closing date was approaching, I continously reached out to Mr. XXXX but his responses became vague and calls were not being returned timely. Mr. XXXX communicated to me that I was not his only customer and he was busy. The conversation was troubling and I reached out to my realtor to assist with the communication gaps with Mr. XXXX. 
On XX/XX/2020 my realtor reached out to me to advise that Mr. XXXX was no longer with Guild Mortgage and she felt it was very strange to receive a call from him advising him as such. His call was actually to network and not to inform me. At no time has anyone from Guild to this day ever called to advise me of this situation. 
On XX/XX/2020 my realtor called me in panic as the listing agent called her to tell her that XXXX XXXX had informed them that we would not be closing. At this point Ms. XXXX had not reached out to me via email or by phone. My calls to Ms. XXXX went unanswered. The listing agent then informed my realtor that my earnest money was forfeited and they were no longer interested in continuing the buying process with us as there was an insuitation of inproperity on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: MD

Complaint narrative:
I have sent out a letter to Equifax about one ( 1 ) account on my credit report ( XXXX XXXX  XXXX ). I have asked Equifax As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for that account. I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Equifax signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter ( 66 days to be exact ) and Equifax signed the receipt. I have never received the contract that contain my signature which I repeat is my right under the section 609 of the FCRA and Equifax keeps reporting that account ( XXXX XXXX XXXXXXXX ) to my credit report. I would like to notify you that the account has been removed on my XXXX and XXXX credit report. Why can't Equifax do the same? Does XXXX XXXX XXXXXXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately that account from my credit report. I have attached to this statement the USPS return receipt and the copy of the original letter that I have sent to Equifax. Please CFPB help me fix this issue. Equifax is getting money from big companies such as XXXX XXXX  XXXX to keep information of people credit report no matter what and that is a shame!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank, has been harassing me over a charge on a credit card that was not made by me.

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 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
On file complain on XX/XX/2020 case # XXXX Requesting mortgage note Gregory funding did send dee of trust form and all information is not correct and not recorder by the state of californian and my legal name is not in there files and send me a letter want to foreclosure whit not properly legally file ducument s not We need to be stop to file in court and show right legal documents I will send copy s they did send 7 copies Is clear documents are not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On XX/XX/20 Mr. Cooper, my mortgage company spoofed my works phone number to get me to answer the phone. My employer is XXXXXXXX XXXX XXXX XXXXXXXX which is a governmental agency. I am a state employee. From what I have read this is illegal. I let the person who called me know they just spoofed my employer. I also let them know I was told not to make this months payment because it is an FHA streamline and you bring the current months payment to the closing. All XXXX and XXXX numbers belong to the XXXX  XXXX XXXX. They called me from XXXX. 

I am in the middle of a refinance with Mr. Cooper which closed on XX/XX/20. I told them to stop calling me. They called all weekend with spam calls that I didnt answer. Mr. Cooper called again this morning on XX/XX/20 5 days after the closing of the refinance of my mortgage. They asked when I would make a payment. I asked them to check the notes on my account at which point the person said oh yeah, I see a refinance code on your account. I dont see why they have is call refinance accounts. I let her know the spoofing that happened on the previous call and that her call came up as Spam risk and her company is spoofing numbers She said they used to call from their number, but people dont answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland funding and XXXX XXXX I have dispute this information multiple times with Midland and XXXX, this account is in collections and I paid Midland funding and they said they will do a pay to delete, I have also sent the XXXX the same letter this account was paid in full, neither are trying to remove this account from my credit report or report it paid in full, I request a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One auto loans website for payments seems to offer opportunities to make additional payments or payments well in advance of when they are due. In fact, when I try to make added payments on principle their system advises me my bank refused to authorize payment. That is a lie, they don't even ask my bank to make such payments. I have spent hours with their people trying to sort this out and have become convinced that they do not want earlier payoffs and the saving of interest from their customers. Their answer is to tell you can always call in the payment. This is both inconvenient and time consuming and I believe it is intended to prevent early payoffs. 

Reality is that making payments on low down payment loans likely keeps your equity below the value of the car. A borrower can never get ahead, even if they have the ability and desire to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XXXX after checking my XXXX XXXX report I discovered a credit card account that was not opened by me with a balance of {$4100.00} on it. After realizing this, I proceeded to call the number of the creditors listed on the XXXX XXXX XXXX. After explaining my situation they proceeded to freeze and start an investigation and that it could take from XXXX to 90 days. On XXXX I received a letter from TD Bank informing me that due to a lack of evidence to substantiate my fraud claim, it had been denied. The letter also included merchant sales and delivery confirmations copies. After receiving that letter, I proceeded to call the number at the bottom of the TD Bank letter in order to ask more questions about the issue. However, every single one of my calls got directly sent to voice mail. After many failed attempts on making contact, on XXXX, I was instructed to visit the legal office on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After speaking with the Legal Officer, I was given a package with instructions on the necessary steps to take to move forward with my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello My Unemployment Usbank Reliacard has been blocked for over 7 days. I have sent in numerous verification documents as requested by the bank to have my unemployment bank card unblocked but still no resolution. I have attempted to contact every source for assistance but still no resolution. My unemployment card is the only source of income that I have. I have sent to the Usbank my personal photo, my identification card and a copy of my home rental lease to also proof identity and residence. This is causing serious issues as I am not able to take my autistic son to see his physician and attend his therapy appointments because I cant use my Unemployment Usbank Reliacard. Any help would be greatly appreciated. Thank you in advance.

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 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted to deposit a check in the amount of {$6600.00} via the Chase mobile deposit app. On XX/XX/XXXX, the deposit was reversed with the reason being that the back of the check image was unusable. On XX/XX/XXXX I took the check to a physical location and deposited it in the ATM at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX along with another check. The total deposit amount of the two checks was {$7000.00} and the posting date was XX/XX/19. The check deposit in the amount of {$6600.00} was again reversed with the reason being that this was a " duplicate '' deposit. 

On XX/XX/XXXX I contacted Chase and asked them to open a dispute and review the deposits so that they could determine that the second deposit was not, in fact, a duplicate but rather the physical deposit of the check that was not accepted due to the image error. I received a response on XX/XX/XXXX stating that the transaction was processed correctly and that there would be no adjustment to the account. 

My deposit in the amount of {$6600.00} has been reversed twice now and I am no longer in possession of the check since the physical check was deposited at the ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I hired Lexington Law to repair my credit for three months, approximately XXXX XXXX XXXX. I cancelled the service because they were not getting the results I expected. I received a call from Lexington Law around XX/XX/XXXX. I was asked why I cancelled and I told them it was because they sent too few letters and they were not focusing on what was important to me which was removing the bankruptcy public record entries from my credit report. The lady I spoke to told me that they would focus on the bankruptcies and getting those removed and they would charge me a lesser fee. Lexington Law only sent one letter to address one of three bankruptcy entries on my credit files. The other letters they sent were ineffective, I got letters from the credit bureau saying they would not remove the information because Lexington Law had sent multiple letters for the same entry resulting in the credit bureau confirming the debt. I called Lexington Law and cancelled the service on about XX/XX/XXXX. I was supposed to get my first charge XX/XX/XXXX. I received an email confirming the cancel and then this morning I get an email saying my service level has changed and to expect another charge in XXXX. I do not feel Lexington Law did what they promised when I agreed to rejoin therefore I want them to refund me any bill from XX/XX/XXXX and I need to make sure they cancel my service and cease trying to bill me. I tried to text with Lexington Law and no one replies for several hours and I can not get through on their customer service line that keeps saying it is busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: MD

Complaint narrative:
XXXX funding and Equifax XXXX I have dispute this information multiple times with XXXX and Equifax, this account is in collections and I paid XXXX XXXX and they said they will do a pay to delete, I have also sent the Equifax the same letter this account was paid in full, neither are trying to remove this account from my credit report or report it paid in full, I request a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
This prepaid card receives my Pennsylvania unemployment benefits. On XX/XX/2020, I scheduled a transfer in the amount of {$2100.00} from the card to my personal checking account at another institution. The card did not make the transfer and, instead, totally froze the account such that I have no access to any of my unemployment funds which are deposited with the card. On XX/XX/2020, I contacted the card 's customer service by telephone and inquired why the card had been frozen and was told that I needed to submit identification documents to the card. On XX/XX/2020, I uploaded photos of my drivers license and social security cards to the card 's website portal as was requested by the card 's customer service representatives. Nevertheless, my ability to withdraw any funds whatsoever from the cards remains restricted and I have no access to any funds from the card.

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 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX put my mortgage account into forbearance without my knowledge. All payments have been made on time and I have never missed a mortgage payment. XXXX XXXX claims I agreed to have deferred payments due to Covid19. I never signed or verbally agreed to anything regarding Covid19. Hence never missed a payment. I did not need any assistance due to the pandemic. Now my credit report is showing XXXX XXXX account in Forbearance and affecting me when applying for other credit. I've reached out to XXXX XXXX numerous times and still haven't heard back or have had the problem resolved.

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 2020-10-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo put my mortgage account into forbearance without my knowledge. All payments have been made on time and I have never missed a mortgage payment. Wells Fargo claims I agreed to have deferred payments due to Covid19. I never signed or verbally agreed to anything regarding Covid19. Hence never missed a payment. I did not need any assistance due to the pandemic. Now my credit report is showing Wells Fargo account in Forbearance and affecting me when applying for other credit. I've reached out to Wells Fargo numerous times and still haven't heard back or have had the problem resolved.

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
XXXXCredit Acceptance stopped reporting my 100 % on time payments to some of the credit bureaus. 
Within a week I stopped receiving loan offers. Though at that same time frame XXXX XXXX has been sending me notices to come in and upgrade my car, knowing I can't even get a loan on tires now because of their actions. Called them. They don't care and will not call me back on this issue. 
XXXX  is the only only one being reported to. My scores dropped 95 points because of this.

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 2020-10-26 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: SLM CORPORATION
State: NJ

Complaint narrative:
Sallie Mae made an agreement through their legal representation to discharge a loan in XX/XX/2018. It was filed in a court of law. Since then, the report on my credit has been reported as a delinquent charge off which I have attempted to dispute and correct with Sallie Mae and the credit reporting agencies. It was previously updated correctly and recently began reporting again as a Chargeoff that is derogatory. 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 non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: MI

Complaint narrative:
They made me send hundreds of dollars for fees I knew nothing about. Each time telling me it would be the last payment and I would receive my loan. Which never happened. An additional fee popped up every time. And they wanted more money. Almost more money than the loan itself. I have asked for a refund of all the money I sent because I got fired of additional fees popping up. Ive received nothing. They stated I would receive my money via check. I never got it. Called and asked about it they ask for my address as if they were sending it now when it should have been sent. They did this twice. They stop answering my calls. All I want is my refund of the money I sent. It has been about 2 months..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: CT

Complaint narrative:
On XX/XX/2020 I opted out of the automatic payment via ACH option on my account and the request was made with no problem. On XX/XX/2020 I sent an email to Avant requesting that my banking information be deleted since I am no longer using that option and they refused. I called on XXXX a few days before my payment was due to inquire about how to cancel the autopay. At that time the payment was due in a few days so I told the representative that I would let that payment go through and I would call back. On XX/XX/2020 I can't remember if I called or went online for the request to cancel the autopay, but it was done immediately and I received a confirmation email right away. I have been going back and forth with them by email about deleting my banking information. They can't remove it because of federal regulations. How does my banking information fall under the federal regulations that they are citing? My banking information is personal and private. If I am no longer using the automatic payment option there is no reason for them to hold on to my banking information. I chose another way to pay them.

Company response to consumer: Closed with explanation