vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, My credit card payment is due on the XXXX of every month. I logged in to pay on XX/XX/2020 and they had already added a late fee even though my payment was not yet late. Then, a couple days later, interest was added to that supposed late amount. I have payed my monthly balance off on time and should not have acquired a late fee OR interest for the month. I tried calling and waited on hold for an hour and a half only to be hung up on, twice. Capital One does not provide an email for support, which means my only other option is to hand write a letter and mail it in. I do not have faith that I will receive any kind of response using the mail-in method. It seems as though the company is intentionally making support difficult/unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RGS Financial, Inc.
State: PA

Complaint narrative:
Never had a account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am in my XXXX 's and have had credit cards since I turned XXXX. Usually XXXX or XXXX, plus XXXX. Every month of my life I have paid every single credit card bill in full. I do not believe in credit/ debt. I buy cars and houses in cash. I got a Bank of America VISA because they are the XXXX  XXXX partner. From day one, their customer service was so bad that I had to force myself to not cancel. 
A mistake was made in a payment one month ( I made payments by phone and when I called in I would read the bank account # 's over the phone to an agent ). One month, they were entered incorrectly : two digits were switched ( I found this out later when I was on the phone with customer service diagnosing why " payment did not go through '' ). It's not clear whether the agent typed them in wrong or whether I read them out and accidentally flipped two. It was the same bank account I used every single month to pay, but each month they made me provide the info again and their system did not seem to notice the two numbers were flipped. As soon as it was brought to my attention I of course paid the bill in full. as always. But they refused to forgive the interest of about {$1000.00} which had accrued in the interim few weeks between the mistake and the resolution. I never used that cc again. My CFPB complaints and letters to the CEO and Board of Directors went ignored - no one ever engaged or responded. I recently paid them over {$4000.00} ( now with accrued interest ) to make it all go away. They are the worst possible kind of anti-customer culture. Truly shocking.

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 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Approximately year XXXX, I obtained a Target credit card. During that time, I lost my business, did not have a job, had a toddler that my wife was home with, my mother-in-law was diagnosed with XXXX and was moved into my house. I was at a bad place in my life and was not able to pay my bills which includes my credit cards. I needed to keep a roof over my head and had to modified my home loan to stay in my home. The home loan went up to 40 years which we had 10 years left on our mortgage. We had to do what we had to and stop paying credit card was the only choice I had at that time. 

On XX/XX/XXXX Target served papers to my mother-in-law whom at the time has been diagnosed with XXXX. My mother-in-law took the package to her room and I never laid eyes on those documents until I tried to refinance my home. When XXXX XXXX did a title search on our home, it came back that we have a lien on our property. We were in total shock as we were not aware that a company can do something like this without our knowledge after so many years. How is this possible to take a non secure debt and put it in a secure debt? This debt was originated back in XXXX and how could Target put a lien on our home from a debt that was so old. When I first got the credit card, the limit may have been around {$2000.00}. When target was done with me, the debt got up to {$12000.00} including all the late fees, court fees, over the limit fees, etc. I have hired a lawyer to try to handle this situation to no avail. Target would not work with us through the lawyer. We were willing to settle and to this day we have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to Quicken loans because they kept calling me many times a week regarding refinancing my loan. I spoke to hey nice gentleman named XXXX who informed me he would take me off the list and that there was no need for me to refinance right now anyway since I was at a good rate and paying it off quickly. 

Soliciting Calls continued. So I called them back I spoke to a man named XXXX XXXX who gave me a big sales pitch on how I should refinance and why. I told him I suppose I could have more information if he would send it to me in an email. He said no problem and took down my email address and gave me a sales pitch on how much money would save me. He tried to get me to sign forms online without reading them in person. I told him I wasnt willing to do that and he needed to send them to me by email. He agreed. He was very pushy. 

I received the email and just as I did I also received a notification from XXXX XXXX that my credit score had a hard-hit. I absolutely did not give his permission for a hard credit hit. I am in the process of purchasing another home as a cabin and this could hurt me. I would like this removed from my credit report but XXXX XXXX tells me he does not have the power to do that though he is sorry that he pulled it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
It has been over 30 days since my initial dispute that was sent to XXXX, XXXX, and Experian in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX  # XXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither XXXX, XXXX, or Experian so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I contacted Synchrony Bank regarding the absurd interest rate of 29.99 % currently being billed to my account. I have had this account for a few years now and this rate is insanely high. Their response to my request was that the rate was " non-negotiable '' based on their " system ''. I requested to speak to their underwriting department as this seems very out of place that an APR reduction can not be considered at all, especially given the current circumstances related to COVID-19. 

I feel this to be unfair treatment and borderline abusive that this is non-negotiable, as the account manager could not inform me as to what specifically is driving the system to deem this non-negotiable. 

This was an extremely negative experience and an interest rate of this amount is usury.

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 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: GA

Complaint narrative:
The mortgage company First Guaranty Mortgage Corporation dba goodmortgage ( NMLS ID 2917 ) representative name XXXX XXXX reach out to me and my husband in XXXX regarding refinancing our current mortgage that we have. When I spoke to him he said they go our information from our mortgage company to see if we wanted to refinancing with a lower rate and payment. I contacted our mortgage company and they said yes it was legit. I asked XXXX would there be any closing cost or any fees associated with this loan he said no we would have to pay for the appraisal to see if the value of the home. He said it would only take a month to do. Well a month came and went. Once he transferred the loan to XXXX XXXX she came back saying she couldn't verify my husband employment I gave her FOUR contacts so she could verify. She kept coming back saying she couldn't verify. Then she came back with something else regarding a foreclosure that was included in Bankruptcy and discharged back in 2013. Now they are saying because of that they can't proceed with the loan.

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 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX  and Transunion do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XXXX XXXX mortgage account information.

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 2020-04-14 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: FL

Complaint narrative:
Equifax, XXXX  and XXXX  do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: FL

Complaint narrative:
XXXX, Experian and XXXX do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.

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 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XX/XX/2019, I've mailed each bureau about 3 times to fix some incorrect information on my credit report. The incorrect information is still displaying on my report. I also asked them to tell my how they verified each item and the credit bureau has failed to do it. It's been pretty frustrating seeing incorrect collections hurting my score.

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 2020-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
We recently refinanced our VA mortgage with NewRez. It has thus far been a terrible experience and I would rather be paying higher interest than dealing with them. I got laid off due to covid. We sent the online request form for assistance. We did not hear back. Called and waiting over an hour on hold. Was told they would cancel our autopay and someone would get back to us within two days. Did not hear back and they still ran our payment. Called again, waited an hour on hold again. Was told someone would get back to us within a few days. Was told to call someone else for reversal of payment they processes. Waited on hold again. Has been almost two weeks and payment has not been reversed. We got a letter in the mail saying we were approved for forbearance for 3 months and after 60 days would be re-evaluated for options. Website says this will not impact credit and says loan terms can be adjusted as an option to make up missed payments ... all sounds ok. Yesterday we got a letter from ShellPoint, who does loss mitigation. The letter states they decided that we dont qualify for hardship and they believe we have the financial resources to keep current with our mortgage. The letter states we are granted forbearance but will be reported as delinquent on our credit report and will still owe the sum of missed payments at the end of the 3 months. It states they decided we dont qualify for loan modification and our options are short sale or foreclosure. 
Based off the CARES act and VA guidelines what theyre doing is totally unethical, illegal, and displays bully tactics during which they are clearly trying to force us into short sale or foreclosure. How they made the determination that we do not have hardship is not only false, its without any justification. I called both new Rez and ShellPoint yesterday, waited on hold an hour again, and was not given any answers, just told to call back. I am now spending entire days trying to rework our finances to avoid having to enter forbearance on the mortgage because with what theyre doing, its not even worth missing payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
To whom it may concern, I have an XXXX XXXX Credit card issued by BBVA Compass ( BBVA ). I'm currently an XXXX and XXXX veteran getting a second degree in XXXX  in Washington DC who honestly went back home to Alabama during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$110.00} balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with BBVA and a credit card account for at least 5 years. 

I've been in Alabama displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with BBVA. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that BBVA remove the negative credit report, but I was told BBVA was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal BBVA customer for nearly 20 years with over 9 of those years banking with BBVA as a served as a XXXX in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left Washington DC at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  and XXXX  XXXX XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit profile for others to see. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  and XXXX  XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.

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 2020-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am having issues with New Rez Mortgage group. My mortgage was bought by New Rez from XXXX XXXX XXXX in XXXX. In XXXX I received a call from the county in which I lived, stating that I had not paid my property taxes. I went to my new mortgage company ( New Rez ) and explained to them that I pay my taxes every month with my house payment and they in turn payed my taxes. On Monday XX/XX/XXXX I went to pay my mortgage and it increased from {$1400.00} to {$1600.00} which is a {$190.00} difference. I contacted New Rez and they are telling that I was issued a check out of my escrow on XX/XX/XXXX in the amount of {$1100.00} which I was. I immediately called them and told them that I received funds and asked why. They told me that I had over paid my escrow account and that no other action needed to be taking ( i was told this phone call was recorded ). Fast forward to XX/XX/XXXX and they are now telling me I owe this money back. Again which is fine I understand, I offered to pay the total amount back on XX/XX/XXXX to get my payment back to the original amount and they are now telling me that I owe {$2000.00} to get my escrow back to the correct amount. I don't know where the extra money is coming from and find it hard to believe anything anyone there says. I do not want to pay my mortgage until this issue is resolved in fear that if I pay it, it will seem as if I agree with what is going on. I have never experienced this with any mortgage company in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: STATE FARM BANK, FSB
State: NV

Complaint narrative:
XX/XX/XXXX My vehicle which was bought in XXXX was refinanced by State Farm Bank, I do make my payments electronically without any skips and after finishing my payments last month, this Bank has brought another bill of {$2500.00} to pay because the price of the vehicle is different from the place where it was financed which doesn't sound right .All the calculations were done by you the financiers and I'm suppose to finish my payments last month so why should they bill me extra and where is this money going? 
Moreover they're asking me to pay it within a specific time frame other than that they're going to add an extra 9 % interest to it .I feel very bad for this Bank because what They're doing doesn't sound right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a checking account with Santander Bank in XX/XX/XXXX. Bonus of {$220.00} would be paid after requirements are met. I RECEIVED {$170.00} Bonus on XX/XX/XXXX. I called them and they said they would sort it. This did not happen. 

Also on the XXXX XX/XX/XXXX me and my friend who refereed me to Santander should receive {$50.00} each per there bonus offer. This will need addressing if we have not received it by then.

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