vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: OR

Complaint narrative:
I have a mortgage through XXXX XXXX XXXX DBA MidAmerica Mortgage. I called around the end of XX/XX/2020 to talk about forbearance options with the CARES Act. I was immediately transferred to Collections department and the agent was 'tough ' about letting the mortgage go into Forbearance the way we instructed. 
I told her I was experiencing financial hardships with my job and needed to go into forbearance- she wanted to know the specifics of my hardship! I kindly let her know the CARES Act doesn't say I have to divulge my personal detailed hardship. The rep immediately responded with " I need to know the specifics ... '' I just told her that my hours were cut. Her attitude changed from mean sales person to kind customer service. " I am sorry your hours are cut at work- and then instructed me to go into default! in order to be placed in Forbearance. I thought that was odd and again asked why we couldn't just go into Forbearance with my XX/XX/2020 payments? 
She told me that is not how it works- I would have to voluntarily missed one payment and put loan into default. Once in default, then they would be able to move my loan into forbearance and mail me my repayment options. 
I kindly asked her to clarify where she was getting that information, The CARES Act does not specify I would need to go into default, to go into Forbearance I only had to contact my bank verbally or email/note with my request and they would send a letter out with my agreement and payment options. 
She said No- I would have to purposely miss a few months payments, go into default and then call in every month to check in with her about my hardship. 
This did not sit well with me at all and I said Thank you let me think this over. 
I called again a week later, was immediately transferred to Collections again and given the same false information and pressured to make an uneducated decision. I reached out to my Mortgage Broker and he mentioned that by going into default as the state of our loan during Forbearance will create more chaos and the loan needs to stay in 'Current Status '' I emailed the company again with my information and request of Forbearance to begin XX/XX/2020 and have not heard anything back from them. I DO NOT want to go into default to take advantage of the CARES Act these are unfair and deceptive tactics and tricks to make the consumer have to pay more in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: UT

Complaint narrative:
XXXX XXXX XXXXy is reporting a debt on my credit report that is not mine. This account is a fraud account and not mine. I have never had an account with XXXX XXXX or ever received any cameras, or systems in my home. This is a mixed file and I demand this account to be removed off my credit before the next call I make will be to my attorney.

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 2020-09-23 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my credit report that is not mine. This account is a fraud account and not mine. I have never had an account with XXXX XXXX or ever received any cameras, or systems in my home. This is a mixed file and I demand this account to be removed off my credit before the next call I make will be to my attorney.

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 2020-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I have called Quicken loans for refinance quote. I told them I have a 15 year refinance at 2.25 % and paying {$6000.00} closing cost and asked them if they can match it. Loan officer XXXX XXXX promised me that that yes he can do better and asked for my ssn number to run my credit. I asked him before he run my credit can he verify that he will match or beat the rate and he said he confirmed with his manager based on what i told him they will match or give me a better rate so i gave him my SSN number and he put a inquiry into my credit report. He called me 30 minutes later with same rate but closing costs were {$15000.00}. He said that's the best he could do. So i asked him why he told me that he will give me a better deal before he run my credit he said there is nothing he can do about it and hangup the phone. 

I was deceived was this company promising me to offer better rate from what I currently have and they advertise match rate policy with is false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I contacted LoanCare because of the COVID-29 pandemic, they granted us a forbearance, it is about to expire and we want to do a loan modification but they will not talk to us.

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 2020-09-23 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: GREAT WESTERN BANCORP, INC.
State: ID

Complaint narrative:
Great Western Bank keeps reporting a past account from XX/XX/2005as accurate which it isnt. I filed a chapter XXXX bankruptcy on XX/XX/2005 and it was discharged on XX/XX/2005. Case number is XXXX which is public records. I want this removed from my XXXX  credit report or I will take legal action.

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 2020-09-23 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:
Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks 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 2020-09-23 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: NJ

Complaint narrative:
The sum of my monthly transactions, is lower than the sum indicated on my XX/XX/XXXX statement, by {$2.00}. There is NO accounting for this discrepancy. I am not disputing ANY of the monthly charges. 
The credit card company is and has been denying the sum is different. 
I have been on the phone, three times -- mostly on hold -- totaling over 2 hours, while a 5th person, now, reviews my statement. Her name is XXXX, senior account supervisor, agent ID # XXXX, and she also is denying there is an error. 
I have calculated the total 8 times, my daughter has verified my calculation is correct, as has my XXXX  spreadsheet. 
The statement is incorrect, I have it in black and white. I don't really care about the {$2.00}. 
What I care about is the statement being wrong, and the company 's denial. 
If this is happening with other customers, the company stands to make tens of millions of dollars of illicit profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: FL

Complaint narrative:
CREDIT CONTROL , LLC PLEASE STOP all communication tactics with me. I remember you from previous letters and I asked that STOP AND CEASE all collection methods. I DONT OWE anything to XXXX XXXX, never opened a credit card with that credit company. Please STOP HARRASING ME. 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 explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have my student loans with Navient and every-time I turned in a loan forgiveness form signed by my school administrator because I work in a XXXX XXXX  XXXX  it was rejected, I should have had my loans paid off by now because i have been XXXX over twenty five years but instead Im still paying on a high debt loan because they would never accept my forgiveness so i will be retiring in a couple of years and still having to pay Navient thats is just unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 have reached out to XXXX, transunion and XXXX  several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both XXXX and transunion that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, XXXX XXXX, and XXXX XXXX which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.

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 2020-09-23 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 have reached out to XXXX, XXXX and experian several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both XXXX  and XXXX  that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, XXXX XXXX, and XXXX XXXX   which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.

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 2020-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
in XXXX of XXXX my interest free promotion ran out on a XXXX clearance item my balance at that time with interest applied was XXXX i have always made my minimum payment on time and now today XX/XX/XXXX my balance is now XXXX how id that even possible i have always made my payments on time and my balance has gone up to almost twice the amount of the item purchased 3 years later im pretty sure that 36  mos at XXXX dollars a month is XXXX so how in gods name is my bill still XXXX i am getting robbed blind by synchony bank and value city furniture

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 2020-09-23 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:
Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks 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 2020-09-23 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:
Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I applied for a mortgage with Amerisave Mortgage Corporation on XX/XX/XXXX. I was forced to pay, upfront, a fee of {$500.00}, before they would consider my application. I came to Amerisave through my XXXX membership, meaning Amerisave 's origination fee could not exceed {$350.00}. My home was appraised at $ XXXX for a loan of {$510000.00}. My credit score was XXXX. My income was over {$500000.00}. This loan was the ultimate no-brainer. The communication with Amerisave became less and less frequent after they received my {$500.00}. They performed the appraisal and eventually sent me a Closing Disclosure statement but the figures on the Closing Disclosure Statement was inaccurate - the loan on the statement was for $ XXXX, not the {$510000.00} I asked for - and the origination fee was over {$1500.00} which exceeds the sum advertised by XXXX for its mortgage affiliates. When I subsequently received a revised Closing Disclosure Statement, the loan amount was accurate but the origination fee was actually HIGHER than the first figure and still well above the {$350.00} allowed as a XXXX Executive member and approximately {$4900.00} in lender credits to me had disappeared from the Closing Disclosure. My efforts to resolve the higher than permissible origination fee and the lender credits ( to me ) that disappeared were never addressed. I was told that closing would occur XX/XX/XXXX ; however, nothing happened that day. All efforts to follow-up with my processor have been ignored. I have called and e-mailed every day since last Thursday, XX/XX/XXXX, to no avail. I recently saw a XXXX settlement between your agency and Amerisave and it appears that the owner is up to his old, dirty tricks. 

I am out {$500.00} and I do not have a loan to close despite clear qualifications for the loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is a scam that we unfortunately fell for. 

We contacted U.S. Consumer Attorneys, P.A. to help in this matter. They managed to get the matter settled however the Club had already sent to Monterey Collection Sv. The club apparently does not intend to inform Monterey Collection Sv that the matter has been settled.

The Club has been dragging their feet on this but this is not a legitimate company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 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: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account was charged fraudulently for the following transactions that I did not authorize : * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$200.00} from XXXX XXXX on XXXX XXXX UTC * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$110.00} from XXXX XXXX XXXX XXXX  on XXXX XXXX UTC Upon noticing these transactions on my account, I made a claim with my financial institution on XX/XX/2020 and at their request, submitted a written claim on XX/XX/2020. 

I was informed by a representative of the financial institution on XX/XX/2020 that the matter would go under investigation and if the claim was not resolved within 10 business days, I would be extended provisional credit no later than XX/XX/2020. 

On XX/XX/2020, I received a notification that my claim had been rejected, but was not given a specific reason as to why. 

On XX/XX/2020, I requested to know the specific reason for my claim being rejected as is my right under Regulation E and did not receive a response until XX/XX/XXXX when the financial institution informed me that my claim was still being investigated as it had never been denied, but that theyd have 90 days to reach a decision. 

As such, as the matter was open the entire time, I am entitled to provisional credit under regulation E in the amount of {$530.00} which to this point, I have been unjustly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-09-23 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation