vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My Old loan with XXXX XXXX was sold off to Freedom Mortgage XXXX as of, XX/XX/2021, and was informed it would be ready in their system as of XX/XX/2021, I have been ready to close my refinance through XXXX XXXX XXXX, and this payoff has held up the closing process. 

XXXXXXXX XXXX XXXXXXXX has been calling in requesting updates on this request since XX/XX/2021, they were informed that it would be ready by XX/XX/2021, XXXX XXXX had called to follow up on this request, and were told once again that it would be ready by XX/XX/2021, I had called in on the XXXX, to request my new loan number ( XXXX XXXX XXXX ) with Freedom Mortgage. 

The following day ( XX/XX/2021 ), the Loan processor at XXXXXXXX XXXX XXXXXXXX, and I had spoken with a supervisor at Freedom Mortgage by the name of " XXXX. '' XXXX had promised that he would follow up XXXX XX/XX/2021, at XXXX MST ), and provide the payoff quote as promised, XXXX never did call this morning, nor did he provide the payoff, as he originally promised. 

XXXX XXXX  had called in, again, this morning to follow up on the request. Nothing has been accomplished. He had spoken with XXXX, Rep I.D : XXXX, she had promised a response by ( XX/XX/2021 ) XXXX MST. She did not commit to her promise, and the Rep I.D . was false. 


This is a big issue, my lock expires on XX/XX/2021, and were able to close as soon as XX/XX/2021, Freedom Mortgage has not delivered on their promise, on multiple occasions, and has caused a lot of stress on my end with the mortgage process.

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 2021-05-13 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: OH

Complaint narrative:
I have discovered there are unauthorized inquires on my credit report with XXXXXXXX XXXX and Equifax that I did not authorize and need them removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX  # XXXX. 
XXXX XXXX, XXXX # XXXX XXXX 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 2021-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is a loan provided by the XXXX XXXX XXXX XXXX Comenity Bank for dentures for my wife. The Dentist 's Office Finance person presented the loan to us as a 0 interest, 24 month loan. We were to make flat payments for 24 months and the loan would be paid off with {$0.00} interest. 
Due to Co-Vid the procedure was delayed a year. Everything about the loan was forgotten until the first statement was received. The only number on the statement was a 'minimum ' payment. Per my original understanding ( made foggy by a year 's passage ), we were to pay a flat amount for 24 months and be done. Since the only number on the statement was the minimum payment amount, I paid that. When the next payment was due, the minimum payment amount had changed and was lower. This did not seem quite right so I read the statement about finances charges. It turns out that if I made only the minimum payment the loan would be paid off in 25 years and with {$25000.00} of interest. 
This was not my understanding of the loan. I called The XXXX XXXX and was transferred into Comenity Bank where it was explained " the flat payment amount '' was not included on the statement, and that I should do that math myself to create my own payment schedule. The Customer Service individual told me flat out that he could not document by letter, email or other written communication what my flat payments needed to be. He did the calculation and gave me a number that I was to pay for the next 22 months to pay off the loan. I was at a loss as to why he could not provide that in writing and so I asked to speak to his supervisor. The Supervisor reiterated the INABILITY to provide a written communication as to what my flat payment should be. 
My concern is that as a XXXX XXXX XXXX, not in great health, I could die at any time. I am the bill payer in the house, and if I go before my wife, she will then be left paying bills. It is entirely possible and very likely that if she needed to pay the XXXX XXXX monthly statement, SHE would fall into the 'trap'/habit of paying the minimum payment, thus lengthening the term of the loan and incurring unexpected interest charges. 
WHY can't Comenity Bank put in writing and list on the monthly statement the flat amount to be paid over 24 months to pay off the loan so as to not incur interest charges? 
Both my wife and I are on Social Security and while we can make the flat monthly payments, we can't afford to pay longer than 24 months or the added interest. 
In checking the XXXX XXXX XXXX website, I see that others have the same complaint. Not having the flat payment amount listed on the statement, and making the minimum payment in error. Clearly this is something that Comenity Bank could do, but is unwilling to do, lest they no longer mislead customers with the minimum payment and thus losing an interest payment stream greater than 26 % for 25 years. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My son died XX/XX/XXXX. I went into Bank of America XXXX branch on XX/XX/XXXX and reported his death to XXXX XXXX and they scanned the death certificate. They told me I need a state form to obtain his funds. I thought they froze his account. I was also told someone from that branch would contact me. No one ever did. I thought my son 's funds were safe. The amount was {$7300.00}. I went back to the same branch XX/XX/XXXX with the state affidavit of relationship form notarized. The bank told me my son 's account was closed and there were no funds available. Bank of America disbursed my son 's funds on XX/XX/XXXX to someone who claimed to be the " fiancee '' to my son. Bank of America needs to be held liable and needs to recover my son 's {$7300.00}. Fiancee is not a relative, and not listed in the PA State laws of Intestate Succession. A fiancee is not a surviving spouse. Nevertheless, the claimant was not a fiancee to my son. She was removed from his account XX/XX/XXXX. 

I have reached out to Bank of America Estates Department and they have not helped. Please help me. It should not be my responsibility to try to recover my son 's {$7300.00}. I am filing my son 's XXXX income taxes and he owes {$24000.00}. I need the {$7300.00} that Bank of America disbursed in error.

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 monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have Purchase Protection as a card benefit on my Chase XXXX XXXX card. I lost a bag on the train on my way to the airport containing an handbag that I purchased on the card. The card explicitly states that involuntary separation is covered and they will not cover the cost of the lost bag and are claiming it was a " mysterious disappearance ''. I had reached out to the transit security to ask if the bag has come up and they have not found the bag. I have provided this evidence to my credit card and they are not accepting my documentation and rejecting the claim despite their terms and conditions stating that this incident should be covered. 

I submitted my claim through the link they provided me : XXXX Claim Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Over the course of the last week, my credit score dropped XXXX points on XXXX The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at XXXX. He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.

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 2021-05-13 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: CA

Complaint narrative:
Over the course of the last week, my credit score dropped XXXX points on XXXX  The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at XXXX He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.

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 2021-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a XXXX XXXX card in good standing with a {$3000.00} credit line and currently at {$0.00} balance. XXXX has manually reported my card to Transunion but they have repeatedly failed to document the card on my credit report. XXXX advised to contact Transunion and after doing so today, Transunion referred me back to XXXX who can not assist further. 
There may have been a dispute with XXXX last year which was resolved. That is not a reason to remove the card which is active and good standing from 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 2021-05-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. I have also attached a copy of my Drivers license and SSN for identification purposes. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WI

Complaint narrative:
My husband and I refinanced our mortgage in XX/XX/XXXX with XXXX Mortgage. At that time we signed the closing documents with a notary. The closing documents stated that our property taxes would be paid quarterly. In XX/XX/XXXX, I received a bill from the state showing our tax bill. It showed two options, annual or quarterly installments. No benefit was present for paying annually. The mortgage company then paid our taxes in a one lump annual payment in XX/XX/XXXX. In XX/XX/XXXX an escrow analysis was completed and we were short several thousand dollars, due to the payments not matching what is being put into the escrow account based on quarterly payments. Now XXXX wants us to pay {$720.00} extra each month to rectify their mistake. I have called many times, sent the closing document paper and the tax bill twice. Every time I call I am unable to speak to any one in the tax department or the escrow account department. How can XXXX change what was agreed upon in our legal binding document we signed at closing?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to Equifax and XXXX via certified mail on XX/XX/XXXX, although I saw a new dispute was opened with Equifax through the dispute portal, I have yet to receive a response from this company. XXXX never opened a dispute until today XX/XX/XXXX after my initial complaint to CFPB. They are both reporting inaccurate information on my credit file as well as incorrect addresses. I only live at one address and I have reached out to all current and past creditors and bureaus to update this information and have received push back. This is putting me at risk of someone obtaining my information from creditors. 

The accounts in particular that have not been properly investigated are : XXXX XXXX showing the first date of delinquency as XX/XX/XXXX on Equifax reporting but on XXXX its XX/XX/XXXX. This is aging the file to remain longer on my report please remove as this is further damaging my credit history. 

XXXX bank XXXX is showing the original delinquency date as XX/XX/XXXX with a charge off of {$73.00} but has fluctuated the balance past due as {$450.00} and {$450.00} on Equifax month over month, but showing first delinquent date as XX/XX/XXXX on XXXX with {$450.00} past due. Please remove as they are not updating this file to report accurate information to the other bureaus. 

Fair Collections & outsourcing XXXX was not properly investigated and shows date of delinquency as XX/XX/XXXX on Equifax but reporting XX/XX/XXXX on XXXX. please remove this file as it is reporting different information on different bureaus further damaging my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. I have also attached a copy of my Drivers license and SSN for identification purposes. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased a condo in XXXX of XXXX. My initial mortgage company was XXXX XXXX XXXX. My first months payment was in XX/XX/XXXX. I made that payment on XX/XX/XXXX. After that payment was processed ( I can send my XXXX  XXXX bank statements ) my loan was transferred to BSI financial. I set up a reoccurring payment for the first of every month. I got a phone call from BSI stating they are missing my XX/XX/XXXX payment. I informed them that I made that payment to my first mortgage company XXXX XXXX XXXX The assured me this was fine, & XXXX XXXX XXXX  has 60 days to show proof of that payment. So I figured, great they will show proof of payment & this will be handled. 60 days has long passed. It is now XXXX of XXXX. Every single month BSI Financial called me saying my mortgage was 1 month late. I have a payment processed on the first of each month. But since that first XXXX payment hasn't been processed XXXX thinks I am paying off the previous month on the 1st. I spent literally weeks calling XXXX XXXX XXXX to get this handled. No answer. Emails, phone calls, messages left, still nothing. I tried everything I could think of. Then I contacted my lender/realtor. They reached out to XXXX XXXX XXXX  & got it handled. Or so I thought. My complaint is to XXXX XXXX XXXX  & BSI Financial. My credit score has taken a complete nose dive. My credit was excellent before this whole debacle. BSI has ASSURED me multiple times that my credit will get fixed. It still hasn't. They assured me they would get the XX/XX/XXXX payment handled. They still haven't. They assured me I wouldn't get any more phone calls for late payments, they still haven't. I have sent proof of my XX/XX/XXXX payment from my bank statement to both BSI & XXXX XXXX XXXX, still nothing. I sent BSI correspondence between myself, my lender, & XXXX XXXX XXXX stating that this was handled, it still hasn't been. I got the number of a supervisor from BSI. XXXX XXXX XXXX. They are both supervisors at BSI. The first & only time I talked to XXXX she assured me this problem with my credit & XX/XX/XXXX payment would be handled the NEXT DAY. It is now 3-4 weeks later. I haven't received a phone call back yet. I am now calling XXXX every ten minutes  until she answers or calls me back. She has not answered me once. After I finish typing this complaint I will call her again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$4200.00} the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers license and SSN for identification purposes. ) This account is well over ( 7 ) years old and should not be reporting at all on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$4200.00} the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers license and SSN for identification purposes. ) This account is well over ( 7 ) years old and should not be reporting at all on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation