vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
Good afternoon, To start I would like to summarize the issue please for clarification and so you may direct me in my goal. All we are looking for is to lower our payment to a more comfortable amount to secure our future payments. We are believing our lender gave us a predatory loan with low down payment to entrap us into a high interest mortgage XX/XX/XXXX. We received the loan from 21st. mortgage on a manufactured home. 

We have a paid off 1.47 acre plot of land in XXXX, Fl and the agreement was to use the land for the placement of the home in lieu of a larger down payment but we had to combine the land into the package!. We are looking for a way to refinance our manufactured home with FHA or lower interest 1. My current interest rate is 9 % on a {$100000.00} mortgage we are willing and able to continue but we need this debilitating interest rate to go down. 
2. I am highly convinced it was a predatory loan from the start.

3. I believe they were misleading us asking us to give our land as collateral and add it into the loan package we could get the loan for only {$500.00} down. 
( Our land value free and clear {$34000.00} at that time. ) 4 We still paid {$3500.00} ( was a hidden cost not disclosed to us until final closing days ) for the well to be completed. 
5.they made false promises to refinance and lower the interest rate after a few years. Now its 6 years 6.  They threaten to foreclose when I am 20 days late even during this Covid 19 emergency we feel is an unlawful act 7. I called and spoke with representatives behavior was belligerent, disrespectful and belittling to me. It was a great stress and left me feeling XXXX  that I may ever obtain a Humane interest rate. This leads one to believe the lender is lying in wait for you to default. 
8. I emailed them to make further arrangements and they blocked my message period. They were insisting for a call in to make a payment and again harass me ... basically.

9. I worked 30 years in XXXX, to help people. But you find little help for yourself later it seems Now  is XX/XX/XXXX and we made our XXXX payment but they are being inflexible and demanding for the XXXX mortgage by XX/XX/XXXX. 
As I felt trapped in this high interest mortgage we had no way to make an adjustment. Unless they stated " to be on time for 2 years ''. 

Any help is so appreciated Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
My old loan company CashCall Mortgage sold my loan to another mortgage company XXXX XXXX XXXX. In the process my payment for the month of XXXX was lost. I paid my old loan company CashCall on XX/XX/XXXX for the month of XXXX And that payment was not received by the new loan company. Ive been back and forth with the old and new loan company and both have said something different and Im being penalized for the month of XXXX because they took my XXXX payment and charged it for XXXX. Its been almost two months since the transfer and that payment is no where to be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased 120 XXXX Gift Cards at {$100.00} each. I received only 117 Gift Cards and the company keeps creating obstacles to replace the three missing cards. They are telling me to audit each card number which I did and they still will not replace the cards. I have already distributed the cards that I have and want the three missing cards sent expedited.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
The Stimulus check arrived today into my American Express serve card and many people myself included can not access any funds in the bank, their online website and mobile app is fully down, and their phones are disabled. Additionally I got this card when I filed taxes this year and have yet to receive an actual card, I have been having to use the temp card number they give online with XXXX XXXX, they supposedly sent a replacement card 2-3x but I never get the card, verified with my postal office that the issue is not on their end. Without that card their is no option for me to transfer or withdraw my funds ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 payment indicates 30 day late on credit report. I have filed an extension for XX/XX/2020 due to Natural Disaster and was granted approval. I have ask to have the late removed of credit report. I was also informed During the Natural Disaster the loan company will not be reporting late to credit agency during the Natural Disaster ( Covid19 ). I have talked and confirmed with XXXX and she indicated I was correct it should be appear but it shows on my credit report. Please assist with the removal.

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 2020-04-13 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: TX

Complaint narrative:
I have checked with the companies online website and they did not have an account linked to me. I have called multiple times and left messages with no response from the company. I have also reached out to my condos owner and sent the letter stating I was behind and they also stated that was inaccurate and I am up to date on all of my payments and never been late or missed. I filed a dispute with experian and they did not get it resolved. XXXX XXXX XXXX does not even seem to be a real company because I can not get in touch with a real person to get to the bottom 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 2020-04-13 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: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
On XX/XX/20 I sent a certified letter to Trident Asset Management about a account that was not my debt. I also asked that they send me original documentation and signatures binding me to this debt. I have never received a reply providing me with the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I was just furloughed due to COVID-19, and have asked my creditors to defer payments temporarily until I can sort out my new financial situation. All of them have responded positively by deferring my payments temporarily. 

I contacted Upgrade today ( XX/XX/2020 ) to make the same request for deferment. I explained that I am impacted by COVID-19 and have been put on furlough. My normal payment is {$270.00} per month. The representative told me they can only take {$100.00} off of my payments, and then spent a full 60 seconds reciting the terms and conditions. I asked her for a copy of the terms in writing and she told me that they don't provide it in writing, even through email. The only part I understood in the rapid reading of the terms is that the payments are tacked on at the end, which at least helps. 

Regardless, I reluctantly agreed because I can't afford the other option which is to pay the full amount when I am struggling now to pay for rent and food. 

Would the CFPB be able to contact the lender and see about better terms on deferment? I have good credit, never miss payments on loans or rent, and am simply needing flexibility until I can sort out things financially. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
During my senior year at XXXX University, I became very ill and had my roommate take me to the emergency room at XXXX Hospital on XX/XX/XXXX. I was in the hospital for five days with an XXXX XXXX I was under my mother 's insurance at that time ( XXXX XXXX XXXX XXXX ), which I had in my possession ( Medical   Insurance card ) at the time of admission. At that time my legal mailing address was my parents home. On or about XX/XX/XXXX my parents received a collection letter from Affiliate Asset Solution, LLC. it stated that I owed {$XXXX} for services dated XX/XX/XXXX. My mother inquired about this XXXX XXXX XXXX XXXX, who is with, " XXXX XXXX XXXX XXXX '' ; and the original Account # XXXX. The insurance do not have a claim filed for that Dr. on that day, or any other day. XXXX stated, " Dr. 's have 12 months to file a claim for services '', after that the insurance co. and patient are not liable for payment. I don't remember this Dr., but then I was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm still making payments to the hospital. After my mother called Affiliate to find out more about this bill ; I started receiving phone calls from them. Last week it was every day, they even offered to take half the amt., if I pay now. My mom contacted XXXX Hosp., and they said this Dr. no longer works there, and they haven't seen him in a long time.They also told my mom that there was another complaint involving this hospital and XXXX XXXX XXXX XXXX XXXX Also, my first name is misspelled on the collection letter. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Experian ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Experian said that they will not reinvestigate the accounts in question that I have attached with this complaint. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My report # is XXXX Note : This is my second complaint.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Placed order on XX/XX/2020 on Macys.com under order number XXXX, it is a qualifying purchase for the 12 months interest free financing as it is a jewelry watch purchase. I fully understand that the total purchase has to be paid within the 12 month period to avoid retroactive finance charges. Please place this purchase under this category back to the original purchase date.

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 2020-04-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Financial has a non-customer-friendly habit of letting its customers know about CD renewals too early ( about 6 weeks prior to maturity ) and then letting them know much too late that it's renewed ( about 15 calendar days after its renewed ).

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  is inaccurately reporting an outstanding XXXX debt in the amount of {$250.00} with a delinquency age of 3 years, 8 months. The actual Date of Delinquency should be approximately XX/XX/XXXX, which is when I canceled my service. 

I received a recent notification, called on XX/XX/XXXX and received the attached copy of a XXXX statement dated XX/XX/XXXX. 

I request that the account be removed from all of my credit bureau reports due to the negative impact that this has had on my credit, and because the actual Date of Delinquency does not appear to be known.

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 2020-04-13 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: IL

Complaint narrative:
# XXXX items purchased for {$90.00}, {$53.00} and {$110.00} on XX/XX/21. 2 items returned XX/XX/XXXX and 3rd item  returned XX/XX/XXXX ( could not take them to store for faster credit due to Covid-19 as the stores were closed ).  Refund of {$90.00} has been supposedly processed as a credit 3 times including today. They claim this item is still sitting in their warehouse as unprocessed. Item for {$53.00} was credited but still shows on balance through Macys/XXXX XXXX XXXX. Item {$110.00} has been successfully credit to account. When I look at Macys.com the balance finally shows XXXX but when I call in to them to talk about it, I am told by their automated system that my balance is still {$140.00}. Please help!!!

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have tried to resolve this problem since the end of XXXX. They just sent me a refund check for {$1.00}, and said they closed my account. If you look at the photos I have included, I have {$600.00} in my rainy day fund. Dont you think they American Express Serve would include the {$600.00} in my refund check! I have filed a complaint before and thats when they sent my {$1.00}. I can still move money from my main account to my rainy day account even after they sent this letter about closing my account, how in the world could the smart guys at American Express miss {$600.00}? Unless???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: TX

Complaint narrative:
XX/XX/2020 payment indicates 30 day late on credit report. I have filed an extension for XX/XX/2020 due to Natural Disaster and was granted approval. I have ask to have the late removed of credit report. I was also informed During the Natural Disaster the loan company will not be reporting late to credit agency during the Natural Disaster ( Covid19 ). I have talked and confirmed with XXXX and she indicated I was correct it should be appear but it shows on my credit report. Please assist with the removal.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: TX

Complaint narrative:
Social security benefits are transferred to directexpress card. Direct express say they dont have my funds. However when I check by using my as number they have the funds. My card they sent me is a XXXX   balance. 
So I'm having problem finding out who has the money. I have bills. I'm XXXX cant work. I don't have anymore money to get medicine or pay my doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Dear Sir/Madam, On XX/XX/2020, American Express decided to suspend my platinum card for no good reason. I have never missed a payment with Amex or with any credit card and have a credit score of XXXX. I was pre-approved for the Amex platinum I paid {$590.00} for the annual fee. When I called and spoke to XXXX from Amex at XXXX she said my current balance is $ XXXX and due to Covid19 crisis and Amex has no history with me they decided to suspend it. This is very concerning because I have not missed any payment with them and the initial limit was around $ 44K. It is not fair for anyone to be charge {$590.00} annual fee for a card that is not active. I am very fortunate that I have enough money to sustain my living during the Covid19 crisis. I'm more concerned on how credit card companies are allowed to suspend credit cards during a crisis like this. Obviously, we are on lockdown and there is no way to pay via cash to it makes the situation very difficult for the average American people. I've attached all my correspondence with Amex for your reference. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
XX/XX/2020 sent debt verification letter to show more information about debt. Because I did not recall this debt. I gave them more than 30 days to respond and no response from the collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: NC

Complaint narrative:
I'm a prospective home owner that engaged American Financial Network ( " AFN '' ) for a mortgage. The first few weeks were smooth sailing until we approached closing - AFN charged me over {$6000.00} for an interest rate fee lock and this was not previously disclosed. I had a conversation with my loan officer and I asked what closing fees would be associated with the mortgage and they said a fixed flat rate ( which was under {$2000.00} ), and now that I'm XXXX  with the deal with a large due diligence amount, they decide to add a $ 6,000+ charge for an interest rate. I'm not a legal expert when it comes down to mortgages, but this just does not seem right. Further, my loan was supposed to close on XX/XX/2020. It is now XX/XX/XXXX and the loan still has not closed. Every few days I receive an update that the " loan will close tomorrow '' but it has not closed. I have been living with a friend since XX/XX/XXXX since I was relying on AFN to close the mortgage on time. Loan officer goes MIA for 7-12 hours at a time without responding. I've tried contacting their production manager and they do not respond either. Very unprofessional company as a whole.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One will not issue a refund on my closed credit card account for up to 90 days, yet I am required to pay every 30 days. This is an unreasonable amount of time. They further refuse to deposit to one of my registered payment accounts which I use to paid the credit card bill.

Company response to consumer: Closed with non-monetary relief