vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
My husband died and I tried to do a modification based upon my income. I started the process in XX/XX/2021. I filled out the paperwork and submitted bank statements each month as requested. My modification was denied in XX/XX/2021. I have decide to sell my home. My complaint is the payoff amount. They delayed the denial. I could have sold it in XXXX after the first submission. The payoff includes XXXX monthly payments. 
These additional payments should have been avoided if they would have offered me a forbearance. No options was presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
Today XX/XX/XXXX a man called from a private number and said that they tried to deliver something with a signature to the home address. So, I needed to call XXXX XXXX XXXX and give account number XXXX. 

I've been expecting a package from XXXX XXXX XXXX so I called. 

A guy answered XXXX XXXX and said that there was an overdraft of more than {$900.00} in XXXX that now was up to $ XXXX with US Bank . If I didn't settle they would go to court. The checking account ended in XXXX. 

They had the home address, birthdate and last four. 

I have never had an account with US Bank. So I went to a local branch and spoke to XXXX XXXX NMLS ID : XXXX. She suggested I call the central office 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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot, who has 3 of my mortgages, estimated costs for me to purchase a new home in XXXX XXXX, UT. When the home appraised for lower, the Loan officer called and said we would have to lower the Lon amount. He didnt mention and I didnt find out until the day of closing, that the lower loan amount meant I would be paying points ( XXXX ) to buy down the interest rate or that any discounts I was originally quoted would disappear. The loan officer wondered why no one had called to tell me this. He said his boss should have called. The loan cost me approximately an additional {$3000.00}. I was also told by the loan officer that someone would call me to discuss. No one ever did and I was held hostage the day of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
on XX/XX/2021, i sent a letter to Equifax about these unauthorized inquires that i didn't authorized and its hurting my score and keeping me from getting things that i need.i sent it usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I used the CITI credit card on XX/XX/XXXX and made a payment of {$10000.00} and several other smaller payments amounting to {$10000.00}. I paid the credit card in full on XX/XX/2021 and the money was taken out of my bank immediately. I have not been able to use the card and have not had access to my funds since. I called and i was told i have to wait until XX/XX/XXXX. Meanwhile i have been humiliated every time i have tried to use the card being told i have insufficient funds. 

Citi had no problem taking the money immediately but now it wont give me access to my funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX  and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
Good  Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX  and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.

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 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: AL

Complaint narrative:
I am about to have a hard time paying my mortgage payments. I am XXXX so I had where I was XXXX XXXX for people. but since our country is in this mess with the pandemic people are just spending money for this right now. I have a loan modification on my house but they gave me a interest rate of 5.125 %. I have told the mortgage that I have lost some income. I have ask them if they could adjust my loan and lower my interest since the interest rate today is so low. They just say no. They gave me no reason or willing to answer my questions about it just said no. But the mortgage company sent out letters saying they are willing to help people with their mortgage since we are in this pandemic. I have tried to talk to someone beside just a representative thinking maybe that they have more to do with the loans. But I just get a answer machine I leave a message about my loan no one calls me back. I know I will not be able to make my payments I have used all the money that I had. My XXXX check is not enough to pay the payment. That is all the income I have. I have things posted to sell if they sell I will have some money. I am willing to sell anything that I have to keep my home. My husband passed away with a XXXX XXXX. 
So I only have my income. I just need someone to help me. I have no family. It is just me and I don't know what to do. If you can help in any way I would be grateful. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I started receiving multiple debt collections in the mail from credit card companies that I didn't applied for and now my credit is going down hill from it. I start receiving letters this month from it. I called the companies and they are not taking action for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
I sent a letter to Amer Assist on XX/XX/2021 about a debt they owe. It has been more than 60 days with no response to this debt they owe. I cant wait forever for there response or payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this but had no resolutions. I realized my information were fraudulently used without my permission to process transactions and open an account without my consent. This is their contact info page for additional reference : XXXX XXXX XXXX Also, I already disputed the said account ( XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from XXXX  as a fraudulent account. However, it is still reporting negative under Experian when I got my updated credit reports today XX/XX/2021. I've attached a copy of my credit report summary showing that it has been deleted. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records and is hurting my financial stability.

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 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2021 I issued an ACH payment through Webster Bank to XXXX XXXX in the amount of {$1800.00}. This was my XX/XX/2021 mortgage payment. 

Around XX/XX/2021 I received notification that my loan was being transferred to XXXX XXXX. 

On XX/XX/2021, I contacted XXXX XXXX  to pay my XX/XX/2021 mortgage payment and was told I never paid XXXX 's mortgage and had to pay XXXX + ~ {$200.00} late fee due to the payment being late. I made the payment totaling {$2000.00}. 

After XX/XX/XXXX through XX/XX/2021, I corresponded with XXXX XXXX  and Webster Bank to find the money that went out of my account on XX/XX/XXXX but was never returned nor posted to my mortgage loan. XXXX claimed they never received funds from Webster Bank. Webster claimed they sent the funds.

I was provided with letters from Webster Bank indicating that the money was withdrawn and never returned into my account. Despite the letters that contained tracer numbers, XXXX XXXX  denied having ever received the funds. 

Around XX/XX/2021, I filed an ACH dispute with Webster Bank to find the money they lost. They concluded this dispute and sent me a letter dated XXXX saying I authorized the funds to be withdrawn and thus my dispute was closed. 

I still do not have the {$1800.00} that was withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I BECAME XXXX IN XX/XX/2019 AND ENDED UP IN A VA XXXX AND THEN A VA XXXX XXXX. UPON, MY RELEASE FROM XXXX, I CONTACTED MY MORTGAGE COMPANY ( FREEDOM MORTGAGE ) ; TO INQUIRE ABOUT A LOAN MODIFICATION, DUE TO MISSING A FEW PAYMENTS. I WAS SENT THE INFORMATION TO FILL OUT AND RETURN, WHICH I DID. I HAVE BEEN TRYING FOR 2 YEARS ALMOST FOR THE LOAN MODIFICATION. I HAVE COMPLETED SEVERAL PACKAGES DUE TO FREEDOM MORTGAGE CLAIMING A DOCUMENT IS ALWAYS MISSING OR SEVERAL ARE MISSING. I FINALLY GOT THEM TO ACCEPT A PACKAGE ONLY TO BE TOLD THAT ONE OF THE FORMS FOR ME TO SIGN XXXX OBSOLETE. THEY SENT ANOTHER FORM TO SIGN AND I EMAILED IT TO FREEDOM MORTGAGE. WHEN I CHECKED ON THE STATUS BECAUSE I HADN'T HEARD FROM FREEDOM MORTGAGE ; I WAS TOLD THE EMAIL WAS RECIEVED IN XXXX, BUT THEY COULDN'T READ IT. SO, I REPLIED WHEN WAS SOMEONE GOING TO CONTACT ME AND THEN I WAS TOLD THAT I WOULD HAVE TO START A COMPLETELY NEW APPLICATIOON. THIS MATTER HAS BE STRESSFUL AND VERY DISCOURAGING. FOR 2 YEARS I HAVE BEEN CHARGED LATE FEES AND INTEREST ON THE LATE PAYMENTS. IT HAS WENT FROM A LITTTLE TO A LOT OF MONEY. I FEEL, THAT I AM BEING DISCRIMINATED AGAINST, DUE TO MY XXXX ( XXXX MAN AND BEING A XXXX XXXX VETERAN ). " I KNOW I AM NOT THE ONLY TO GO THROUGH THIS. I KNOW I WON'T BE THE LAST TO GO THROUGH THIS, BUT AT LEAST I WANT ELSE TO UNDERSTAND THAT THIS IS UNFAIR AND THIS IS NOT RIGHT. JUST 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 2021-08-24 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: OR

Complaint narrative:
XX/XX/2021someone tried to open three credit cards in my name. XXXX XXXX, XXXX and XXXX XXXX. I was alerted the same day from XXXX XXXXa that their were new hard inquirys on all three credit bureaus XXXX, Equifax, and XXXX. I contacted the credit card companies first and they were quick in getting the applications stopped and flagged the accounts as fraud the same day that the thieves originally applied for the credit card accounts XX/XX/XXXX. Then I purchased credit monitoring from all three credit bureaus and I Locked my credit file on all three so no one could do that again. I then disputed the information with all three credit bureaus and all the hard inquiries were deleted with in days. Except Equifax refuses to delete the XXXX XXXX hard inquiry. Their investigation shows that it was a factual inquiry and there for will stay for two years. I then called XXXX XXXX again and they assured me that Equifax was notified that the credit card application was fraudulent and that the application was stopped the same day they tried to open it and to delete the information from my credit report. I also filled out an identity theft victim form on the FCC website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I've been disputing an account with Equifax Information Services, XXXX XXXX XXXX Account # : XXXX, which is a paid medical account that has been disputed. There is a law that prohibits such reporting called XXXX, and I believe the CFPB is the proper arbiter of such cases. Equifax has repeatedly violated my consumer rights granted under XXXX, and you should make them pay for their infraction!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
In XX/XX/2021 XXXX XXXX reported I was 30 days late on my credit card. I spoke with the bank who acknowledged they were experiencing systems issues, but assured me they would immediately address my complaint, the bank rep also advised my to dispute the late payments through the credit reporting agencies. I called Transunion, XXXX, and XXXX. They all conducted and investigation and all determined there was an error in reporting the late payment. All three agencies undated my report and removed the late payment. 

Transunion then began reporting the late payment again after it had already been updated and removed. I called Transunion to inform them that inaccurate late payment had returned to my credit, the representative stated I had to submit another complaint, I asked to speak with a supervisor, and was transferred to Mr. XXXX XXXX who identified himself as a supervisor for Transunion. Mr. XXXX  acknowledged the late payment was once removed and Transunion could not control the bank making the same mistake over again. I advised Mr. XXXX it was not appropriate to report inaccurate information on my credit and their investigation concluded the late payment was not accurate. I informed Mr. XXXX I would escalate the complaint to the CFPB, he showed no concern and advised me by stating " do what you have to do ''

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 2021-08-24 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In XXXX, during the pandemic and economic downturn, I was unable to pay my auto insurance bill with XXXX, and switched insurance carriers to XXXX. XXXX didn't properly terminate my insurance and continued to bill me. I spoke with the insurance agent and they adjusted the bill accordingly. CCS, the collection company that was assigned to this debt, didn't give me adequate time to properly dispute the debt on my credit report. Even after I was employed and payment was made, they reported it to the credit bureaus by violating the FCRA 's 30 day debt dispute window. The amounts were reported to all bureaus as of XX/XX/XXXX, ignoring my requests. 

They did not consider the COVID lockdowns, Cares Act reporting requirements by not reporting this instance, or reporting it as paid until the Cares Act expired. I have contacted the company several times to try and resolve the matter to no avail. 

In XXXX, even after I was able to pay off the balance in full, they still will not acknowledge the past violations of the Cares Act and FCRA 30 day debt validation window and will not remove the item from my credit reports. This is causing financial harm and I am unable to find good rates on mortgages and other loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation