vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
During COVID, my uncle fell ill and has since been moved to a facility to assist with his medical needs. During his XXXX XXXXXXXX, the family was not aware of the situation concerning the mortgage of the home that he was living in. The home that he resides in is Estate property that he has been managing since the death of my grandmother ( 5years ago ). We became aware of the default on the mortgage after he went to the facility when I read the foreclosure and notice of sell in the local paper. 
We immediately started attempting to contact the Attorney listed on the notice who said " anyone could pay the bill '', but no one could guarantee that this would stop the pending sale. We have tried to call the bank, but they continue to tell us that only the " authorized '' person on the account could speak with them. This caused confusion because the account is assigned to the " Estate of the deceased ''. The bank wouldn't tell us who the " authorized '' person on the account is and continues to stonewall phone calls to handle the matter of the mortgage. After we called the attorney, they said the sale was delayed due to the COVID moratorium and would be rescheduled for XX/XX/XXXX. We have tried every option to communicate with the bank and the attorney to settle the account, but have been denied any level of details about the mortgage. Their only interest is in selling the home that has been in our family for years instead of working with the family to prevent the sale to an outsider. We are willing to settle the balance, but no one ( the bank or attorney ) will talk to us about the balance details. PHH Mortgage and XXXX XXXX XXXX are trying to steal the home away from us during the pandemic without offering any options to help my XXXX uncle or family prevent the sell. The penalties, interest and fees continue to accumulate to benefit no one but the mortgage company and the attorney 's office. There was only a very small balance remaining, but now the attorney and bank fees have almost doubled the amount of payoff. This should be illegal and unethical. We have been attempting to get details concerning the account for the past 2+ months with no success. The bank has just been delaying speaking to us until the end of the COVID moratorium and now we have only days before they try to sell the home. If we could get more information about the payoff balance then we would be able to move forward, but at this point we don't know the status of the insurance, taxes, mortgage balance, etc. so it's difficult to work with a bank whose only goal is to sell the home and not work with the family/homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FL

Complaint narrative:
ON XXXX, I SENT MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THEY SAY THAT IS VERIFIED BUT ACCORDING TO 15 USC 1681-DEFINITIONS, UNDER INVESTIGATIVE CONSUMER REPORTS, THERE WERE NO PROPER VERIFICATION THAT TOOK PLACE. THEY JUST SAID THAT IT'S VERIFIED. THIS ARE DECEPTIVE PRACTICES BY THE CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK
State: LA

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX, LA obtained a loan from XXXX XXXX, XXXX XXXX, CA whose lender was XXXX XXXX XXXX, same city who has gone out of business and sold my acct. to XXXX XXXX, XXXX, MA. On XX/XX/XXXX I contacted XXXX XXXX. XXXX  for a loan pay out quote. The quote of {$5300.00} was given and good until XX/XX/XXXX. On XX/XX/XXXX a XXXX  XXXX cashier 's check # XXXX was delivered to XXXX on XX/XX/XXXX.On XX/XX/XXXX til present day I have been unable to speak with anyone at XXXX XXXX  who knows why my acct. has not been paid out and where the XXXX XXXX truck title is located. On XX/XX/XXXX XXXX XXXX called First Republic Bank, XXXX XXXX, CA where the cashier 's check was deposited on XX/XX/XXXX, cleared the bank on XX/XX/XXXX to a bogus acct. First Republic Bank has no acct listed on the back of check. Please help me get my truck title back and investigate this fraudelent activity. 
Thank you. 
XXXX XXXX XXXX, owner XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, LA. Phone # XXXX Email - 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 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage with NewRez, LLC is a refinance. I had homeowner 's insurance in place before refinancing and have maintained it throughout the life of the mortgage without any lapse or missed payment. I have also made every mortgage payment in full and on time. 

On XX/XX/XXXX, the bank took {$1100.00} out of my escrow account. The notation states " XXXX XXXX XXXX ''. On XX/XX/XXXX, the bank took $ XXXX of my escrow account. The notation states " XXXX XXXX XXXX ''. In both instances, this was an improper conversion of money held in trust in an escrow account. As noted, the property has been fully insured at all times and all payments were made by me to insurance. 

I first spoke to a customer service representative about this on XX/XX/XXXX. I have talked to XXXX XXXX, Team Lead, XXXX XXXX, Team Lead Supervisor and XXXX XXXX, Supervisor. Ms. XXXX refused to let me talk to her supervisor, XXXX XXXX, XXXX and would not give me contact information for anyone so I have no option to follow up with anyone ever.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/XXXX, I SENT IN MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THE ITEMS THAT WERE TAGGED ARE FRAUDULENT AND I DON'T KNOW WHERE THEY CAME FROM. HOPEFULLY I WON'T BE IGNORED OF MY DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: KY

Complaint narrative:
Theft and harrassment and stolen vehicle suspect also stole my drivers licence and cellphone and adding fraudlent charges to credit report, suspect stole the vehicle that was in my name from another victim XXXX XXXX XXXX at 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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2017, I was unable to temporarily lift my EQUIFAX credit freeze via my landline phone. Their automated system required a cell number ; I do not have a cell phone. I then spent hours on the phone with Agents in the XXXX. They instructed me to open an online account ; no, I will not trust them with an electronic account. I answered their questions : Name plus spelled ; Social Security number ; Address plus spelled ; Date of birth ; Phone number. First they said their system was down, and to phone back in a couple of hours. Then I answered the same questions again in subsequent calls, while struggling to understand their geographical accents ( I am hard of hearing ). They no longer use the PIN they generated when the freeze was placed. I was finally told they could NOT temporarily lift my freeze unless I mail them copies, from California to Georgia, of my ID and driver license with a cover letter. Then wait three business days after their receipt of slower, coast-to-coast U.S. Mail. The Federal Trade Commission ( FTC ) specifies, " If you request a lift of the freeze, the agency must lift it within one hour. '' There is no stipulation that one must have a cell phone. And it was easy to immediately implement temporary lifts at the other two agencies, via landline phone with my PINs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I paid my balance in full so I could make a new purchase due to an issue with another furniture retailer. The next day my full balance was not made available to me. When I called I was transferred a few times before I could even speak to someone in US, which I had to specifically ask for. Once finally speaking to someone in the US ( XXXX XXXX XXXX )  explained they can not remove a 10 day hold on a payment for new accounts for the first 6 months. I said that wasnt a fair policy and would like to speak to manager and she said it was in my terms and conditions I signed and she was a manager. I asked to speak to her manager and I was told Id have to wait 24-72 hours which defeated the purpose of making the purchase the same day. Additionally she told me that no one at the company could override their policy. XXXX continued to be rude and combative all while denying she was being disrespectful and in fact then insulted me. Im XXXX and just needed a new bed frame right away given we had several issues with another furniture retailer so, we had no bed for 2 weeks and Mattress Firm was willing to help us and ship next day but, Synchrony Bank wouldnt allow my payment hold to be lifted. My account was paid in full and this seems like an unfair and deceptive practice. I asked to lodge a Presidential complaint and XXXX told me she could give me an address to write a letter and when I asked for an email address to send my complaint about the whole interaction she said they dont have one. I cant believe a bank would operate in this horrendous way and not try to help its customers, especially during these trying times.

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 2021-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The Menard 's XXXX Card has a 2 % quarterly rebate associated with it. It is not issued as a statement credit. After calling Capital One three times I believe they send a paper rebate. I was lead to believe on a prior call that my rebate for XXXX XXXX would have been sent on/around XX/XX/XXXX. It hasn't come. The last time I called they said the rebate might have been sent but they weren't sure and that I should call back in a week. Today is XX/XX/XXXX and I have been on the phone with Capital One for 18 minutes with no clear resolution. 

The Capital One staff supporting Menard 's XXXX Card seems woefully under-trained and unprepared to assist with even the most basic of questions relating to this credit product. No one seems to know what's going on and it is ridiculous. After spending 28 minutes on the phone with most of that time being on call center rep induced mute and hold I had to hang up to go to a meeting. 

My questions remain unanswered : Where is my XXXX rebate? What is an appropriate timeline for expecting rebates to be sent?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: PR

Complaint narrative:
On XX/XX/XXXX I called Experian to record a fraudulent account that was open and submitted a copy of the FTC that I reported. On XX/XX/XXXX I received an email stating thAt the information was accurate. I am a victim of fraud and Experian has record of that. I also so have a few fraudulent inquiries which I reported to them and has not been solve. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 's XX/XX/XXXX, XXXX XX/XX/XXXX. 
None of these issues has been corrected. Attached please find a screen shoot of their response and copy of my repo=rt to Federal Trade Commission XXXX Al Experian XXXX XXXX XXXX XXXX Report number XXXX | XX/XX/XXXX XXXX Print report | Important messages Your credit report and dispute results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


The information you disputed has been updated. Please review your report for the details. 
The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Please review your report for the details. 
Information on this item has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX Contact us by phone - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in your time zone. 
XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX upload Submit documents supporting your claim electronically at experian.com/upload. 
Important note Any pending disputes will be highlighted below. 
Here are your dispute results XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX numberStatus Show more XXXX XXXX XXXX XXXXXXXX .... 
Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
If our reinvestigation has not resolved your dispute view your options

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 2021-07-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help 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 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: VA

Complaint narrative:
I receive information that a collection company submitted a claim on my credit report. after disputing it it was removed because the account was paid in full before it was closed. 2 months ago i received another collection agency claim on my credit report, I disputed the claim, on which i try to contact XXXX to find out why i was getting charge again. while on the phone with the company he told me that because i didn't remember my log in information i needed to go to a retail location, at the retail location they told me that i need it to call the XXXX ( XXXX ) number. 
collection agency is AFNI.inc, date reported XX/XX/XXXX balance {$770.00} First company to submit on my credit report : XXXX XXXX XXXX. submitted on XX/XX/XXXX Balance XXXX status : removed from credit history XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : KOHLS/CAPONE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
I applied for a cash out refi on one of the properties that I own with this company. During, and leading up to our decision, my husband and I, did a little due diligence and found that on one hand ( primary their marketing program ) they came highly recommended. However, in delving into some of the personal reviews, we found a problem centered around the {$500.00} processing fee that this company charges in order to start any application to re-finance. Based on the skepticism forthcoming from these reviews, we made it clear with our agent i.e., XXXX that our fee would be refunded if they ( AmeriSave ) were responsible for derailing the process. Well, this is exactly what happened. I work for XXXX XXXX and was on sick leave. AmeriSave, in general, wanted us to get XXXX XXXX to issue some type of written guarantee that I would be returning back to work, with the same pay scale. This was not only an unreasonable request, based on the fact that XXXX XXXX does not issue such statements as a matter of policy, it made it an impossible request. Therefore, and based on our aforementioned verbal agreement, we asked that our {$500.00} processing fee be returned and were denied. At this point, our concerns that surfaced in reading the personal reviews about this company, doing this very thing as a matter of policy, we now found ourselves as a victim of as well. We now find ourselves in a fight that we intend to pursue upon every legitimate avenue available to us, starting with filing a complaint with the Consumer Protection Agency. Finally, it is not the money, we can afford to lose {$500.00}. We do this for those that are being ripped off by this company, especially the ones that can not afford to lose {$500.00}, but also do not have the time to fight this company in their scheme to rip off the consumers who fall victim to their scheme and based on our research of previous complaints ... this is a scheme. 
Finally, this company concluded that they denied me based on my credit report. Please see attached reports from me and this company.

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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Pentagon Federal Credit Union is reporting my auto loan status incorrect to transunion the auto loan was NOT included in my chapter XXXX bankruptcy in fact I sold the car prior to filing. PenFed sent me a payoff confirmation letter. This was sold to XXXX the account was paid in full and closed by me. As the lien was satisfied. Yet penfed decided to report it as derogatory commenting included in chapter XXXX bankruptcy this account wasnt included the account was paid in full and satisfied. Not derogatory and I want this updated to reflect paid in full as it should be.

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 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: GA

Complaint narrative:
I dont know who these AFNI people are who just destroyed my credit by making the score drop by XXXX points for an account that was established that it is not mines. I DO NOT OR NEVER HAD A XXXX ACCOUNT. They keep selling this {$84.00} account that has been taken off my credit by XXXX  for not being able to prove that it was my account. XXXX does not even have my social security number when I inquired about the account. So why would you continue to. Try to destroy my credit and reputation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate 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