vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: FL

Complaint narrative:
XXXX XX/XX/2020 I filed a complaint about inaccurate information on my credit report. There were unauthorized accounts and unrecognized accounts.These inaccurate items need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XX/XX/2020 I filed a complaint about inaccurate information on my credit report. There were unauthorized accounts and unrecognized accounts.These inaccurate items need to be removed immediately.

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 2021-02-27 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
In early 2020 me and my family were the very first American families impacted by the COVID 19 Pandemic. Of course, since we were sick and with an uncertain future in the early 2020, we miss some payment on my mortgage, auto loan and credit card. I contacted my creditors and since congress passed CARES Act. Most of my creditors agreed to relief me with my payments and to do not report any late payment on my credit report. 
The only company that refuses to relief with the late payments on my credit report is my mortgage company Loancare LLC. I contacted them and I was enrolled on a forbearance until XX/XX/XXXX. when I first contacted this company, I was past due in my payments because as I said I was once of the first American families hinted financially by Covid 19. 
Now I am current on my payments, but this forbearance destroyed my credit score, this company is reporting late payments on XXXX, XXXX, XXXX, and XXXX of the 2020. I contacted them one more time and they said they are reporting late since when I enrolled on the forbearance, I was past due, and they continued reporting the late payments on the missed payments before I enrolled on the forbearance. This just do not make sense because for obvious reasons I got into the forbearance because I was struggling making payments due to the coronavirus pandemic. I have the impression this mortgage company is misinterpreting the guidelines n the CARES Act. 
I am not a lawyer but its for common sense the CARES Act gave relief to borrowers struggling making payments, I think the representatives I spoke unknow a protocol for my situation.

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 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
The credit card I am having trouble with is the Citi VISA card associated with COSTCO. For the past two months they have delayed processing my payment until the last day or as in this cycle did not process the payment at all. I pay my bills in full and mailed this cycles payment on XXXX XX/XX/2021. According to them it has not arrived. This is the only bill that has been a problem. Every time I talked to someone they blame the mail, saying some payments do not get processed for 20 or more days which always takes it to the past due point. Their only option is for me to sign up for direct payment, or give them my bank routing number over the phone. My concern is that they delay processing in order to get you to sign up for direct payment.

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 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021, I went to ATM to take out {$500.00}. There are 2 ATM machines at the drive thru at Bank of America. When I tried to take the money out, it did not give me the money, the machine acted as if it did. I immediately called the XXXX # on the machine. It was the XXXX Fraud #. The rep told me to try again and he would enter a number on his end. The machine did not give me the money again. I told him there was another machine next to me. He said to drive to that machine and try it again. So I did. That 2nd machine disbursed the {$500.00}. When I went home, I looked on my account online and the statement showed 2 {$500.00} deductions. I called the XXXX Fraud line again and they told me not to worry, that they would put in the dispute and temporarily put the {$500.00} back in my account. Two weeks ago, the BOA took out {$500.00} from my account and informed me that the dispute was lost because they found that the transaction was valid. I appealed it and it went back into re-consideration. I was recently advised that I lost the 2nd dispute and could not appeal again. -- I'm told that the camera shows me receiving the money. But, I was informed verbally by the rep, that the dispute was made on the 2nd transaction and the video was only viewed for the 2nd camera. Not the first transaction and not for the 1st ATM camera. When I asked them to show me the proof, they said I had to get a supheana. They also told me verbally that they checked both cameras and both ATMs, but they won't put it in writing. The rep I spoke to informed me verbally that the dispute is only for one transaction, but the claims department won't let me put in a 3rd dispute for them to look at both cameras for both ATM machines. I didn't receive {$1000.00}. The transactions shown on my statement are not time stamped, therefore, I don't know which one is first and which one is 2nd, so I don't know which one they disputed and which one is right and which one is wrong. All I know is that I only received {$500.00}, not {$1000.00}. I have attachments showing that they only say they viewed 1 camera for 1 ATM.

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 2021-02-27 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: FL

Complaint narrative:
Im attaching chat transcripts and tracking summary. In summary I sent my XXXX XXXX XXXX headphones and they were supposed to be sent back to me in a different color. They then cancelled the different color and did not credit me for the returned XXXX XXXX headphones. In their system they say I received a replacement. I did not. And they can not provide me a tracking number for anything they sent back to me. 
I said to ask them for the tracking number for this supposed replacement I spent my time compiling all the evidence and you ignored it. I want to talk to a supervisor or the tracking number for this replacement.

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 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
I emailed Chime Support asking for the ability to do remote deposits on XXXX They responded by email on the XXXX with freezing my count and telling me I had 3 days to respond with a long list of things to verify my account. 

I followed up with all that and then some as instructed by replying to their email on the XXXX. 

I never heard back if they received it or if i attached everything requested. 

Because they made threats of making a decision within 3 days if I didnt include it, I followed up with another phone call. 

Was told they didnt get items that were attached in that first email. I responded again with the items a 2nd time. 

Spoke to a manager who said that department was a separate department with no way of them contacting them. Was told we would hear back in 24 hrs. 

Received an email shortly after saying there was a new timeline, outside of the 1-3 days of the first email. 

Each time I call in, I verify my name, address, SSN, transactions, my phone number gets verified, I verify my email address as well. 

They should be able to easily to verify me multiple times and ways but they are not following their own timelines when its convenient for them. 

They tell me one thing and timeline but never stick to it and no one makes any effort to communicate, just locks me out of my funds. 

They then hide behind that the investigations team is only able to be reached by email and not by phone, that there was no way of us communicating with anyone from that department to try to further resolve and verify it. 

When we asked to speak to a manager, we would just get rerouted to another customer service agent and not an actual manager with any different authority. 

I asked who their department was that handled CFPB complaints and is set to resolve issues of their is a complaint. Was given more run around. 

Changing time lines, asking for the same documents multiple times, saying no one can be reached to resolve anything, itd a mess and they are stealing my money. 

Just requested they close it out and cut a check to the address on file and they still his behind the investigations team that no one can talk to is the only people and thats when they then quoted the 45 days and ref e. 

So they just site rev e and are compliant when its convenient for them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: NC

Complaint narrative:
I disputed the following unauthorized inquiries due to identity theft on my credit report to Equifax. I also submitted to them a copy of my report to FTC about fraudulent inquiries. After the investigation, these unauthorized inquiries remained on my report, which are preventing me from obtaining new lines of credit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX - EQUIFAX XXXX XXXXXXXX -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX EQUIFAX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI, INC at address XXXX XXXX XXXX XXXX IL XXXX is reporting an account on my credit reports in the amount of {$670.00}. I don't know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
XX/XX/XXXX Ths Complaint is about Missing MERS  / Mortgage Assignment Documentation. 

I have two mortgages with LoanCare ( XXXX  ) since XXXX, both of which are current and never late with a payment. In XX/XX/XXXX I obtained written approval from another bank XXXX XXXX XXXX XXXX to refinance one of these mortgages ( LoanCare # XXXX XXXX at a significantly lower interest rate. On XX/XX/XXXX LoanCare was formally requested to provide the new banks attorneys with the customary MERS resolution and assignment documents for Consolidation Extension and Modification Agreement ( " CEMA '' XXXX to close. 

For over 4 months ( XX/XX/XXXX - XX/XX/XXXX ), despite numerous documented online submissions, emails and phone calls, LoanCare has still not provided the required MERS / CEMA documentation. 

We have requested three extension from the new bank and the final extension is expiring XX/XX/XXXX. If LoanCare does not provide their attorneys with this conventional documentation, we will not only lose our processing/application fees but be forced to keep our higher interest rate mortgage with LoanCare. 

We have been exceedingly patient and exhausted all reasonable attempts to resolve this. We implore your assistance to expeditiously correct this before the expiration of our final XX/XX/XXXX extension. 

I urge you inform the appropriate LoanCare personnel to resolve this or advise of alternative courses of actions. Please contact me at your earliest convenience to discuss how we should proceed. 

Sincerely,

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 2021-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XXXX XX/XX/2021, I contacted PennyMac Loan Services about my existing mortgage. I am currently on a forbearance plan due to the impact of the COVID-19 pandemic. I recorded my phone conversation with XXXX. I asked for an extension of my forbearance and asserted that I am still being affected by COVID-19. XXXX asked me in what way was I still being affected ( e.g., loss of pay, reduced hours, not working ). I reminded her that I was not required to provide this information. She stated ( quoting exactly ) " It is for documentation purposes. For us to continue it, we have to document how you are still impacted. It just can't be that you are impacted. '' I responded to her statement by letting her know that the law does not require me to provide additional information/documentation beyond making the assertion that I already made to her. She emphasized that the questions she asked were not intrusive. I told her that was irrelevant. I also told her about my recent complaint to the Consumer Financial Protection Bureau regarding PennyMac 's previous incident in using quid pro quo tactics whereby PennyMac refused to provide me information about my account and answer questions about my forbearance until I answered their additional questions about my COVID-19 hardship. The representative stated I can call back when my forbearance expires and that she would not honor my request to extend my forbearance. XXXX stated a date that I could call back, but I was unable to make this out during the actual call. During the call, I tried to ask her about the date she stated I needed to call back. She refused to ansewer and, instead, flooded the phone with several pieces of information. I attempted several times to let her know that I couldn't hear her and to ask that she repeat the vital information. She refused to do so and, instead, directed me to visit PennyMac 's website. I have included attachments of publications on the Consumer Financial Protection Bureau 's website that provide instructions and guidelines to mortgage servicers. Beyond the plain language of the CARES Act, these additional publications make it clear that PennyMac is required to provide a forbearance and an extension of a forbearance upon my request and assertion of continued harship as a result of COVID-19. PennyMac 's refusal to do so and PennyMac 's refusal to answer simple and routine questions about my forbearance ( not to mention as a repeated offense ) constitute the main claims of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian tries to lure people in to their Boost ability to boost your credit score, this does boost it with utilities if they are paid on time. BUT they are now supplying all of your bank information ( which was the original goal ) to get into your bank account. 
Yes you can turn this off but your score will drop now. I plan to get my score up and then shut this down. 
This is an invasion or privacy and the whole world now knows how much money or cash flow is in your bank account. 
These are private companies and should not allowed to provide this information. 
I have contacte the boost dept many times and get people in other countries not even the US.

I would like to have someone from that dept contact me.

there are discrepancies and I need them fixed. I don't want to speak to the anyone expect US citizen. 
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 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I talked to a Mortgage Specialist from TD BANK on XX/XX/2020 and filled my application the following day. 
During the 1st call with the Mortgage Specialist, I decided to keep the rate floating as I decided to wait for few days to think about it. 
The reference rate was 2.75 % with a {$1200.00} points credit. 

I finalized the application very quickly and uploaded all the required documents to not lose any time during the process. 

On XX/XX/2020, I decided to lock-in the rate, but I was not able to reach the Mortgage Specialist. 
As stated above, between the dates XX/XX/2020 to circa XX/XX/2020, I made several calls ( left voicemails as the Mortgage Specialist was never answering the phone ) and sent emails to lock the rate.

When I finally got an answer from the Mortgage Specialist, I was told that the rate went up from 2.75 % to 2.875 % with points costs. 
I explained that I sent many emails to get a callback and left many voicemails but I was told that he never received my emails. 
I decided to escalate my complaint to the supervisor, it took few days to finally get a negative answer to have the rate locked to the initial rate of 2.75 %. 

During these 2-3 weeks or so, I was very stressed as every time I was begging to have the rate locked, the lender was telling me that the cost ( of pints ) was increasing. All this stress in addition to the difficulties brought by the pandemic had a very bad on my mental health.

I was very disappointed that TD Bank 's only excuses explaining the lack of responsiveness to my several attempts to lock the rate was " technical issues and emails not received ''.

I am filing this complaint now, several months after the closing, as I needed to have a smooth closing.

I have copies of all the emails exchanged between the Mortgage specialist, the different supervisors, and myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am being sent the pre-approved credit card application multiple times. In this case from JP Morgan Chase. I applied for the card but received a letter that I am denied. At the same time after denial I still got another pre-approved invitation letter from JP Morgan Chase itself. 

This hurts my credit history and my chances of being able to apply successfully for another company. 

Attaching the denial letter and the subsequent pre-approved invitation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CO

Complaint narrative:
There were numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. I gave them a 30 day demand to compliance as I am able to legally. They have responded to me or provided any information. I am requesting to have these items removed. I only have 2 inquiries and that's for XXXX. Everything else was not done on my behalf.

Company response to consumer: Closed with explanation