vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have been struggling to reach resolution about my mortgage interest rate lock with my lender. On Thursday XX/XX/XXXX I received an email from XXXX XXXX. She replied that day copying in my loan officer to assist. However, my loan officer was out of the office thus preventing me from locking my rate on that day. 

Upon receipt of that email I attempted to lock in my rate a phone representative told me on a recorded line that i could only do that with my loan officer via telephone. 

I did not hear from XXXX or Penfed so I followed up on XX/XX/XXXX asking about locking in my rate. I got a auto reply that she was out of the office until XX/XX/XXXX. 

I received an automated message later that day that my rate has been locked in - nobody ever contacted me, there was no discussion about the option to buy points. I immediately emailed XXXX upon seeing this on XX/XX/XXXX saying that this practice was problematic and that I had been mislead by the phone representative and not given the option to lock in my rate in the days and weeks before. 
I was denied the option to choose from the published rates offered and also suffered harm due to unnecessary delay on behalf of my lender. 

My loan officer also advised that to " change '' my rate i would have to pay a XXXXpoint fee. This response is unacceptable. 

I have called several times and have not been able to speak to a supervisor about my concerns. I have been told several times that I will get a call back that never comes. I would like assistance with from your regulatory agency to assist with this request at this time. I have all exhausted efforts with the lender at this juncture. 

.

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 2021-08-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Received a credit alert from Experian this morning showing my credit score dropped from good to fair because I sold a previous home and purchased a new home and moved. Experian dropped my score 17 pts. for this. The other two credit reporting agencies, XXXX  and XXXX  report my scores as XXXX and XXXX. Both as excellent. Experian also shows an old collection amount on my credit report that was paid in full in XX/XX/2019 with the original creditor, XXXX XXXX. The collection was disputed with Experian, but never removed. It is my belief that Experian does not follow the legal consumer protection credit laws and should be investigated and possibly removed as a credit reporting company. Their data and information is obviously inaccurate and no one at Experian consumer assistant will explain anything via phone or text message. I was told to hire a credit advisor so Experian way of credit reporting could be explained to me. That is not a viable solution to a credit reporting company that publishes inaccurate credit data.

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 2021-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was placed on a forbearance plan and the company Shellpoint Mortgage has still accessed fees and did not pause any of my payments. They also did not stop negative reports on my credit. I have contacted them via phone several times since XXXX of 2021 and they tell me a supervisor needs to contact me, one is never available when I call and one will call me back. I never receive a call. I tell them I have documentation that I am on a forbearance and they tell me they do not see the letters I have from them in their system. I request to have the fees removed and the new balance given to me with the payments that were supposed to be paused during my forbearance taken out and I never receive anything other then more letters stating I am in default. I am at my breaking point with this company and just want to work out a payment with them that takes away the fees, legal fees and payments the Covid Forbearance was supposed to pause. I feel this company is not following the Covid Guidelines and are trying to just take my house. I have called, emailed and mailed letters to this company and I am just ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
XXXX transferred my mortgage to XXXX XXXX Loan Care LLC XX/XX/XXXX. The home had been included in a Bankruptcy and not reaffirmed in XXXX. Unbeknownst to me they began placing lates on my credit which they are not to report to the bureaus as I was under Bankruptcy protection and no one can show me where I was late that month and I believe the payment had gone to XXXX who should have transferred it to loan care. I have tried to call numerous times to the company and I am told something different each time. They are saying my XX/XX/XXXX payment wasnt made till XX/XX/XXXX which is not true. XXXX was paid to XXXX and Loan care is not giving the credit for it. They also sent my XX/XX/XXXX statement to the wrong address which when I called they stated they don't even have a record of that address. I want my mortgage history fixed and them to find the payment that was sent in XX/XX/XXXX prior to the change of servicing letter that was paid to XXXX and credit my account and remove all the late payments markings on my credit report. Please find all the attached documentation.

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 2021-08-25 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: NY

Complaint narrative:
Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately. 

XXXX XXXX /XXXX XXXX XXXX {$810.00}, XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX {$590.00}, XXXX XXXX # XXXX {$1000.00}, XXXX # XXXX {$82.00} INQUIRIES : XXXX  XX/XX/XXXX, XXXX  /XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX , XXXX XXXX  XXXX XXXX  XX/XX/XXXX , XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/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 2021-08-25 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: NY

Complaint narrative:
Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately. 

XXXX XXXX  /XXXX  XXXX XXXX {$810.00}, XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX {$590.00}, XXXX XXXX # XXXX {$1000.00}, XXXX # XXXX {$82.00} INQUIRIES : XXXX  XX/XX/XXXX, XXXX  /XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX/XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: IL

Complaint narrative:
Hello, I paid off my mortgage {$220000.00} on XXXX. 
KeyBank released all remaining escrow balance after 30 days.

However, KeyBank didn't release lien after paid off XXXX. 
They just keep delaying over 60 days. 

KeyBank 's contact info is as follows, Loan number : XXXX KeyBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Contact person : XXXX XXXX XXXX email : XXXX XXXX XXXX XXXX Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
I was in forbearance from XX/XX/XXXX to XXXX XXXX XXXX due to pandemic. Since then I have not missed a payment. I contacted my mortgage company BSI Financial about a stand alone partial claim. They did not contact me back until XX/XX/XXXX. They gave me 2 new loan options and I chose one. It said my new loan would start on XX/XX/XXXX and when I recieved my statement nothing had changed. When I contacted the person in charge of my account they said the new loan would now start on XX/XX/XXXX. When I go online to look at my account information it says I can't view because my payments are overdue and is unable for viewing. Don't believe my new loan will start on XX/XX/XXXX and need help getting this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: I.C. System, Inc.
State: TX

Complaint narrative:
Collections account XXXX XXXX XXXX ( XXXX {$1800.00} ) has been disputed and deleted from my credit report. Report Number XXXX with XXXX. 
The same account but different collection company is showing on my credit report again as of XX/XX/2021. Collections company : I.C. Systems ( XXXX {$1800.00} ) Filed another dispute with XXXX  demanding it be corrected and deleted from my credit report. This has cause a huge drop on my credit 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 2021-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My TJMaxx Credit Card by Synchrony Bank was closed by the bank because they claimed that I didn't use my card in 12 months. We are in the mist of a global pandemic with stores/businesses being closed down for months to control the spread of the Covid 19 virus and this bank instead of accommodating the current global situation and providing solutions instead penalizes its customers by closing their accounts. When I used this account I paid it in full and have a good credit reporting. There was no reason why they needed to close the account without even previously notifying me that they were contemplating closing my account. When banks close your credit cards that affects your overall credit rating and your ability to obtain credit at a fair interest rate. When they closed my account on XX/XX/2021 my credit rate dropped 33 points. 
Their policy of 12 months inactivity should have taken into account the global pandemic and the lock-downs for both businesses and consumers. 
If they felt they needed to close my account for inactivity after that they should have notify me in advance that this was a possibility and given me the fair chance to use my card in order to retain my credit card and not affect/impact my credit ratings.

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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion -- they have listed my business partners HOME ADDRESS on MY CREDIT REPORT! Nuts. I pointed this out in a letter detailing everything after numerous phone calls -- very frustrating ... and Transunion 's response? A form letter asking for verification of my current address. What nonsense. 

I need my business partner 's home address ( XXXX XXXX XXXX ; XXXX, TX XXXX ) OFF MY CREDIT REPORT. 
Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
chime banking has placed my account on hold due to someone sending me XXXX XXXX and then them disputing the transaction. its been over a month now and I had funds in there which I do not have access to. So basically they are holding onto my money that I will probably not see again. Which is FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
On XX/XX/XXXX, I filed a CFPB complaint ( # XXXX ) citing inaccurate credit reporting by Synchrony Bank relating to a charged-off XXXX credit card in the amount of {$2100.00}, which was continuing to be reported on my XXXX  credit report despite the company stating they had discontinued reporting in XXXX. Additionally the company refused to accept payment when contacted, stating that because the debt was discharged via IRS Form 1099, they could not accept payment. 

In the company 's response, authored by XXXX XXXX on XX/XX/XXXX, the company stated that they would forward an Universal Data Form ( AUD # XXXX ) to correct XXXX  's information. Further, Ms. XXXX stated that the company would accept payment on the debt, " ... payments may be submitted to the payment address on the billing statements you referenced even after the statute of limitations has been reached on an account. '' On XX/XX/XXXX I attempted to make payment to Synchrony, contacting their customer service line. Both the primary calltaker, and her supervisor refused to accept payment on the account. Immediately after speaking with them I contacted Ms. XXXX and left a voicemail requesting assistance. I received no callback. 

On XX/XX/XXXX, I made a full payment of {$2100.00} ( Confirmation XXXX with XXXX XXXX ) on the account using my bank 's Bill Pay system. I believed this would force Synchrony to process a payment in accordance with Ms. XXXX ' statements in the company response. 

On XX/XX/XXXX, I again attempted to contact Ms. XXXX relating to getting assistance addressing the account, now that the payment had posted, leaving another message. I again received no callback. 

On XX/XX/XXXX, after not receiving contact from Ms. XXXX I filed an appealed dispute with XXXX citing the payment and requesting Synchrony provide clarification to Experian that the account is now paid. I also requested the consumer challenge on the account be removed. On XX/XX/XXXX, I received the dispute results in which the consumer challenge remained attached, and the account was again reported as Charged-Off with derogatory impact on my credit score.

I again attempted to contact Ms. XXXX regarding the account, and received her voicemail. In the voicemail I stated this was the 3rd attempt to contact her regarding the account this month, and failure to return my call by close of business would result in a CFPB complaint filed.

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 2021-08-25 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I closed on my house and the title company issued a check in the amount of {$5400.00} to Lowes. I sent that payment to Synchrony-Lowes and the payment was cashed but never applied to my account. The last four numbers of my account and MY name were on the check. I messaged them and provided a copy of the check, they temporarily processed the payment ( reducing my balance ) but have since charged back the payment. I have spent time on the phone, messages, and sent them a copy of the check and can not seem to get it 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 monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I closed my existing mortgage with LoanDepot on XX/XX/2021 ( statement attached ). As per the payoff statement dated XX/XX/2021 ( attached ) interest was due only if repaid on or after XX/XX/2021. Hence the payoff amount should be {$760000.00} i.e. principal only.of {$760000.00} and recording fee of {$51.00}. However in the statement LoanDepot has charged me XXXX as the payoff amount i.e. excess of {$180.00}. When asked 4-5 times and after spending 2 hours they are unable to explain the excess charge. Request your assistance in resolving the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX {$570.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX/XXXX  XXXX XXXX {$310.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 


XXXX XXXX XXXX XXXX XXXX {$300.00} I filed and ftc report and spoke with the creditor and they refuse to remove it.

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 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I bought 5 tickets to fly from XXXX to XXXX in XXXX with my credit card of Chase. I bought the fly tickets from XXXX. I payed the total amount of {$4300.00}. 
The airline canceled our tickets. XXXX the travel agency refused to refund, they told me that I have to contact XXXX. XXXX, told me to contact XXXX. So, I called to my bank, Chase, they requested documents, proves etc, that I provided to them. I received my refund, but one month later, they refunded back to XXXX half of the refund. So, now Chase refuse to return my refund. So disappointed, about Chase service! I am still fight to have my refund.

Company response to consumer: Closed with explanation