vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$3000.00} on the XXXX, original creditor XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have never lived in XXXX, Georgia which is where the property in question is located. This is clearly an account that has been put onto my credit report in error. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX XXXX XXXX, as well as the bureaus to remove this however, I have not been successful.

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 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In XXXX  2020 I contacted my current mortgage lender, NewRez LLC, about refinancing in order to decrease my monthly payment. After the initial application online, I corresponded by email and telephone with the loan consultant ( XXXX XXXX XXXX several times and was assured they could refinance at a lower payment. During this time, I informed the consultant the property was collateral on a business loan, but there was nowhere to include that information on the application. The consultant assured me this would not be an issue. I then paid {$470.00} to have an appraisal completed as part of the loan process. At this point I was handed off to a loan processor ( XXXX XXXX XXXX. I submitted several more documents and scheduled the appraisal which was completed. I was then contacted by the Title Company and asked to submit documents to my business loan bank so they could subordinate the loan for the mortgage. These documents were detailed and required several hours to complete. Several weeks transpired with no activity. I began inquiring with the loan processor and then the loan consultant via email and phone messages over the course of two weeks with no response. Finally, I received a response via email informing me the loan could not be completed due to the business loan plus the new mortgage amount exceeding the loan to value ratio. I forwarded the emails to the loan consultant of the initial notification of the business loan and his acknowledgement, asking if my appraisal fee would be refunded. To date, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, my HSBC credit card Ending XXXX was stolen and make large purchases from XXXX XXXX and XXXX XXXX. I believed the totals were {$4200.00}. Then I called the bank HSBC and filed a dispute. They accepted the dispute for XXXX XXXX but refused the XXXX XXXX because they said the XXXX XXXX was in-person purchase. On XX/XX/XXXX, I check my HSBC account and fund out that they have put the charge from XXXX XXXX back on my balance. I called them and asked them why they put the charges back on my account. They told me that the Merchant had replied with evidence that the charges were done by me because they shipped items into the house that I lived at. I said to them that could be possible, but I do not make the purchases, and I lived with a bunch of people, and I do not know if XXXX of them maybe had stolen my credit card. They told me that the claim was denied. I requested for supervisor twice, and I was told the supervisor would call me back, but that never happened. Therefore, I am filing this complaint requesting HSBC to honor they promised to me that I am 100 % protected from unauthorized charges, and accept my dispute from XXXX XXXX and XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am trying to reach out to my Mortgage, Sun Trust Mortgage, regarding COVID-19 problems and hope to hold my payments for few months. They do not have an option on their web site to hold the mortgage payments. They do not answer the phone. I was on hold for 3 hours and they did not pick up. This is not right. I would like to file a complaint against them. All other Mortgage Banks are helping people. 

If you go to their web site, www.suntrust.com - There is a box for " Request Payment Relieft '' They have listed credit cards, line of equity, etc.. But, NOTHING ON MORTGAGE PAYMENTS. 

Please contact this lender to see why they are not doing anything on the Mortgage Payments. 

Thanks,

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 2020-04-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$3000.00} on the XXXX, original creditor XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have never lived in XXXX, Georgia which is where the property in question is located. This is clearly an account that has been put onto my credit report in error. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX XXXX XXXX, as well as the bureaus to remove this however, I have not been successful.

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 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: UT

Complaint narrative:
Receivables Performance is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.

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 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been having a collection on my credit report the agency name is XXXX XXXX  XXXX reporting for XXXX XXXX. I paid {$110.00} in return for them to report the collection from my report. It is on my Equifax and XXXX  credit report. The collection has been on there since I put in a dispute in XXXX and I keep getting transferred to departments that can't help me. I received a letter from XXXX XXXX  XXXX on XX/XX/XXXX stating they would have the collection deleted from both reporting agencies. This is stopping me from getting approved for a house and it should be removed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION
State: WA

Complaint narrative:
We were quoted a figure of {$430.00} for title charges on the original estimate of costs, and on the final closing cost form, but when the title company contacted us to close the loan, the fee for title charges was {$1400.00}. When we asked about this, we were told that they had quoted the {$430.00} because they expected us to get some sort of credit which they figured out we were not eligible for after they sent us the final closing cost form. So we basically had to come up with an {$1100.00} to close the loan the day before the signing. This feels like a bait and switch, but with the closing happening, we didn't feel we had a choice but to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Bright Lending to verify through a three-way call to my financial institution that my loan had posted and paid in full. 
The agent ( XXXX ) noted the account and proceeded to update my account at Bright Lending so that I may take out a new loan. 
( This would be my fifth loan as I have paid in full, four previous loans since XX/XX/XXXX ). 
I was told to proceed online and call them if I had any questions or issues. 
Upon submitting " Complete My Application '' I was given a screen result of : Please email your Driver Licence, State ID or Passport and email to support@brightlending.com '' before being able to move forward with the application. 
I called Bright Lending ( BL ) once again and was told by a Supervisor that [ due to the coronavirus, we are asking for this form of ID in order to proceed with our returning customers ]. I asked what the privacy disclosures were given that the prior agent that I spoke to did not disclose this information neither is it expressly stated on your website. I also asked : How can you assure me of my identity being safeguarded if you have agents that are working remotely from home? The response was [ Your email gets sent to a department within their " tribal facility '' .... somewhere of which I was not made aware through an Agent 's Name/Supervisor or direct phone number extension. 
Thirdly, I asked : Do you use encryption methods on your email or site for that matter that will safeguard my identity? I was not given any further details other than I do not know and I would have to further ask another department/supervisor for this information. [ sic ] Now, the danger of this deceptive practice is : The customer is giving consent to not being assured that their identity is not being viewed by others, disseminated for unwanted third-party telemarketing or selling of your information and most importantly, that your information is being harvested by any employees and affiliates on the internet. I was told that my ID can stay on their records for 5-7 years. I believe Bright Lending is engaging in illegal business practices that are not being told/informed in a Truthful manner. There is a very fine print in which they state they do not guarantee that your privacy is completely private. However, not stating nor informing their so-called Covid-related business practice has to be a violation of my privacy and consumer rights. At XXXX XXXX  XX/XX/XXXX PST, I have finally received an email from BL, that my application for a loan has been withdrawn. However, I still believe this business engages in deceitful business practice at the expense of one 's personal and confidential identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-03 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank has repeatedly called my number today five  times in six  hours from XXXX XXXX to XXXX XXXX. This has now crossed over into the land of harassment and it needs to stop. No Voicemail is every left, I am dealing with the COVID-19 pandemic like everyone else and these people and their constant calling is only adding stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2020 To whom he may concern, Sadly I am reaching because chase is overdraft fees again, From XX/XX/ 2020 to today Chase bank charged me 18 overdraft fees at {$34.00} total {$610.00}. 

When I contacted Chase in XXXX and explained that due to being unemployed, also chase some mistake like charged me while I was overdrawn their fee ( I am not supposed to have, was promised to me when I open the count few yrs ago and I fight chase about few time they take the monthly off and always put it back. I got tired and just pay for it XXXX. 

Also I have text alert when I am overdrawn which will be allow me to make deposit immediately but somehow that has not been working and I think I am low balance until chase send me messages saying that I am overdrawn and I have to pay their fees. 

Because per a supervisor ( very rude ) they refunded me XXXX this yr so doesnt matter bank error or not I have to pay the overdraft fee. 

Overdraft fees should be high up to {$34.00} Bank have limit of how many time they refunded doesnt matter is bank error or not. 
Wheres the customer is right? 
The only thing is the text or email alert and my case I dont receive them until they assess their fee. 
Unemployed I was doing XXXX job to pay my bills and company check balanced on me create overdraft that kept be keeping following behind and create more overdraft. 
Someone that have disconnection notice in all her bills, has to pay {$610.00} to the bank for fees. 
Banks is greed kept me broke and under pressure the last 3 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX DID IT AGAIN, IT MUST BE FROM CORONA? THEY MISS REPORTED BALANCE OWED TO ALL BUREAUS FROM {$4.00}, XXXX TO {$43.00}, XXXX ON XX/XX/2020. THIS WAS DONE ON PURPOSE. THIS ACCBA.OUNT IS HEREBY DISPUTED UNDER THE FCBA OR F

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have my credit frozen with all three credit rating organizations. I put in the wrong password in with Experian and now my account is not only frozen, it is also locked. I am unable to get the information I need or speak with someone at Experian to get this situation 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 non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
I ordered a product and opted in for biweekly payments to be debited from my cashapp card, the company did not provide the product that I paid for and I would like my 2 payments that was taken off my card returned, I have tried to contact cashapp but there is no proper channel to resolve the issue, the company named XXXX took ( 2 ) {$67.00} payments from my card and they refuse to provide the product or refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
I contacted the Collections department to try to resolve my debt. First my calls kept being transferred over and over and I kept being hung up on or sent to a full voice mail with no resolution or a chance to talk to anyone. I finally got ahold of a representative and asked if my late fee could be waived as I am aware of other individuals who have had their late fee waived by this same company. The representative transferred me to her Supervisor name XXXX ( who said his Managers name is XXXX but refused to let me leave a message for him ). I was politely asking if my late fee could be waived and he started to raise his voice and talk down to me in a demeaning manner. I told him he did not need to talk to me that way but he just kept talking down to me when I was simply asking about having a late fee waived to be able to bring my account current. He then said he was going to hang up on me and end the call because he did not want to answer my questions. There is no reason why any company specially a Supervisor needs to talk to customers in a demeaning way. We are all going through a hard time right now with the Covid -19 issue, XXXX could have tried to be more helpful and understanding. What kind of company allows their employees to talk to customers in that manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
We build a house last year and moved in at the end of XXXX. Fast forward to XXXX when we get a letter from XXXX XXXX XXXX that our escrow payment would be going up by {$350.00} a month beginning in XXXX due to a {$4200.00} shortage in our escrow account. I called them on XXXX XXXX, XXXX to see what happened because I found it hard to believe that someone grossly miscalculated our escrow amount at closing by over {$4000.00}. I spoke with a woman who looked into it and noticed that our water tax and county tax were listed as they exact same amount : {$2900.00}. She said there was no way that those two were exactly the same and she put me on hold so she could get with a manager. She came back and said whoever did our escrow analysis made a mistake and she requested a re-analysis be done. She advised me not to make our XXXX payment as the numbers would completely change when they completed the re-analysis. After that, I called weekly to get an update as I saw the analysis had not been redone. I was always told it would be done by the end of the week. I was even told once that I needed to get a water tax statement so they could update it. I then called both our XXXX District and the XXXX County Tax Office and they both informed me that since our house has not been appraised by the county yet, that no XXXX tax documents had been sent out or even generated as they are waiting on the appraisal. This means that {$2900.00} didn't come from any official county documentation and it has not even been paid yet as there is nothing to pay. When I spoke with a supervisor XX/XX/XXXX, I was told the analysis had a close date of XX/XX/XXXX. XX/XX/XXXX comes around and still no analysis. I call again XX/XX/XXXX and speak to a supervisor once more. He lets me know that there was a note from XX/XX/XXXX saying they spoke with the county and that our house doesn't have a certified valuation for XXXX and that he was not sure why they hadn't done anything since they found that out. I have since found out from numerous mortgage brokers that they are not allowed to pad escrow when there are not official county tax documents to back that amount up. I get nowhere when I call these people. No one wants to take the initiative to fix my problem and I will not be stuck paying an extra {$350.00} a month due to their mistake and blatant disregard for general mortgage policies.

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