vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 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: OK

Complaint narrative:
I submitted a complaint to Experian via cfpb complaint portal and via affidavit certified mail. The company is using stall tactics to avoid resolving consumer rights violations.

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 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my checking account back in XXXX, they did not give me any reason, I was costumer with them since XXXX when I was an international student. I went to the branch and tried to open a new account with them, they told me they would not be able to open any account nor any business relationship with me. I really enjoyed banking with them, and looking forward to solve the misunderstanding but they would not tell me the reason and that is difficult for me.

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 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
Regarding my potential lender : Better Mortgage Corporation Better provided a loan estimate at the beginning of XXXX. Under the " Calculating Cash To Close '' section of their loan estimate while I was comparing lenders they incorporated a {$3700.00} credit on the " Adjustments and Other Credits '' line. 

This line item was never discussed until today XX/XX/10 after they removed it. I emailed them to ask about this line item on XXXX XXXX with no response. 

The response I received from them today ( XXXX ) the credit is their assumption that the seller has unpaid taxes which would lead me to bring less money close. How can any lender assume this and place it on a " good faith '' estimate? 

I noticed other lenders we've worked with or asked for a loan estimate from never assumed the seller would be providing tax credits or even filled in any credit on this line item within a loan estimate. 

This is very misleading. It played a factor in selecting Better as a lender. They removed it yesterday as I'm soon to close on my house. Now I'm expected to bring more than {$3000.00} extra to closing. 

I want to make you aware as a concerned consumer. I don't want anyone else to be blind sided by this type of situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
After sending a formal complaint with the CFPB back in XXXX, the company that is servicing my loan number XXXX, SPS, decided to offer us a loan modification. I asked multiple times what type modification could SPS offer and I was told that we had to pay three consecutive payments in a Trial Period from XXXX to XXXX before sending a definitive proposal. Today, we received the loan modification agreement which is not sound, looks blatantly illegal and financially abusive. When we applied for a loan modification we properly informed SPS that my husband is battling XXXX and we needed to lower our payments but we were denied refinancing due to a high debt ratio. 
Today, this unscrupulous company named SPS presented its offer, asking us to extend the length of the loan 8 more years, which sounded acceptable, PLUS PAYING, an additional balloon payment of of XXXX at the maturity date which is overly abusive. IF THE LENGHT OF THE LOAN WAS EXTENDED A BALLOON MUST NOT BE APPLIED. 

If the loan was extended an additional 8 years, overcharging a person with an extra balloon payment is basically usury. I am also requesting a detailed explanation of all the money disbursed during the trial period and how this money was applied to the escrow account and the principal and interests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2020 BB & T incorrectly reported my credit card account as late and in violation of CARES ACT.

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 2021-12-11 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: EdFinancial Services
State: NC

Complaint narrative:
I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I was pregnant and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Velocity investment LLC served me with papers to sue for an auto debt that was over 4 years ago ( in Texas ) Would only settle for {$4400.00} and the original was {$5200.00}.

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 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a business account with the U S bank. I escorted XXXX XXXX to the U S bank to open up business account. XXXX XXXX is XXXX. We asked banker XXXX ( bank # XXXX ) for reasonable accommodations under the Americans with XXXX act to allow XXXX to be interviewed in a private cubicle in the same bank to prevent XXXX XXXX personal information from being overheard by the other customers at the counter. XXXX has trouble speaking in low or normal tone of voice due to birth defects. She is on XXXX. And wants to make her life better by starting her own business. XXXX escorted us to a desk approximately 2 feet away from the counter where other customers were opposed to the cubicle approximately 4 yards away from other customers. Plus there was a second cubicle farther away. Both unoccupied. I explained to the above banker that XXXX had the above XXXX and that was there to help her answer any questions that he would have of XXXX and she would authorized me to do so in front of him. XXXX refused. We left. I plan to return and would like help convincing the U S Bank to provide the requested accommodations under the XXXX. THE INCIDENT OCCURED ON OR ABOUT XX/XX/2021 just before noontime. 
I gave a verbal complaint to headquarters and cited XXXX rule of their own business on accommodations. I was informed that the incident or violation didn't qualify for formal investigation nor could the bank honor such an XXXX accommodation. I spoke to a * XXXX by phone on XX/XX/2021. He stated or read the bank notes on the complaint to me and it was whollfully insufficient.

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 2021-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 XXXX & XXXX incorrectly reported my credit card account as late and in violation of CARES ACT.

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 2021-12-11 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: NJ

Complaint narrative:
On XX/XX/2020 XXXX & XXXX incorrectly reported my credit card account as late and in violation of CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 XXXX & XXXX incorrectly reported my credit card account as late and in violation of CARES ACT.

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 2021-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I was pregnant and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and 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 2021-12-11 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: NC

Complaint narrative:
I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I was pregnant and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I waXXXX XXXX  and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and 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 2021-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
Skagit Bonded Collection for XXXX XXXX I asked them to verify debt pursuant to The Fair Debt Collection Act SS XXXX they sent a letter, followed by a phone call on XX/XX/2021 at XXXX XXXX  ( PAC ) time, stating that they are not required to send me anything. I sent certified letter on XX/XX/2021 notifying them that their response did not comply with the FDCPA SS809. Cease all collection activities until they comply by providing me the requested information. I will be seeking civil liabilities pursuant to section 813 for wilful noncompliance. 

I obtained a copy of my credit report on XX/XX/2021 Skagit Bonded Collection is on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
We have been customers of Regions Bank sinceXX/XX/XXXX, when they were then known as XXXX XXXX Bank XXXX XXXX. We have/had a XXXX XXXX XXXX FREE Checking account. They started charging a monthly fee for holding this account with no notification because it no longer receives Social Security deposits ( due to seizure by the government to pay for XXXX expenses ), and it was not in the account requirements when we opened the account that direct deposit or any minimum balance was required. After discussing the issue with a customer service rep, they told me we had no choice but to pay the fee, would not refund the fee, nor waive the fee. They also refused to allow me to close the account without jumping thru a ton of hassles. Regions has made a habit of overcharging and bilking senior citizens living thru fixed incomes and XXXX issues by sucking extra fees from accounts with well over a {$1000.00} balance.

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 2021-12-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: Carvana Group, LLC
State: TX

Complaint narrative:
I placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. 

Several credit providers rejected the person trying to use my identity. Only one extended credit, Carvana. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. 

I have contacted Carvana several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). Carvana has very poor controls and it is impacting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: FL

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

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 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
This is in regards remaining account balance for accounts XXXX XXXX XXXX XXXX For total of {$670000.00} The accounts were closed on XX/XX/XXXX and a cashier check ( s ) suppose to be mailed in the next business day with First Class U.S Mail according to the letter from bank of the west. 
I waited until XX/XX/XXXX and still not received any mail from bank of the west, then I called the number XXXX from a previous bank correspondence in order to get an update According to Branch Manager XXXX XXXX, the mail was send with XXXX - tracking number XXXX with four checks total for the above accounts. She mentioned it was sent on XX/XX/XXXX and arrived on XX/XX/XXXX. XXXX But according to security camera installed at my house XXXX driver never made the delivery for that tracking I requested a stop payment to be place on the checks since the mail was lost/stolen. 
I was advised I will get a call back on XX/XX/XXXX but I never did received one. 

I started an investigation request with XXXX  and requesting the driver who suppose " made '' the deliver to assit with locating the package.

Company response to consumer: Closed with explanation