vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.

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 2020-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IN

Complaint narrative:
I have federal student debt that was refinanced by the private lender XXXX and later sold to Mohela. When I login through XXXX/Mohela there is language indicated that payments and interest on student loans has been postponed due to National Emergency. 
I applied for forbearance due to National Emergency with this lender, and I am still accruing interest. When I spoke to customer service they indicated because my federal student loan was refinanced with their private company, I am not eligible for 0 % interest during my forbearance. There are several reasons I wish to file this complaint. 
1 ) Companies offering to refinance federal student loans, due to under the premise of offering borrowers relief through the form of lower payments, etc. I was not informed when switching my loans to this company, that I would no longer be able to qualify for assistance/aide in the event of a National Emergency that I would have been afforded had I left my loan with the federal institution, therefore I could not have made an informed decision about this. 
2 ) I would argue that this is quite unethical to take advantage of borrowers during a National Emergency by refusing them financial assistance that they would have been entitled to had they left their loans with the original lender. It is taking advantage of consumers during a vulnerable time. 
I believe that these private lenders should be subject to the same guidelines as federal lenders during this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I pulled my credit report from XXXX XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. Equifax Never responded and the other two credit bureaus never deleted the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX2020 XXXX2020 XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX I received information that I may be deploying and I paid all the balance on my Citibank credit card and kept the card, not knowing that they charge me interest after the billing cycle, without communicating with me the charge accrued interest which I didn't know until they reported it as late payment on my credit report on XXXX XXXX. 

When I reached out to the bank, they reversed all the late payment fees, I paid the remaining payment and they decided to close the account which is not fair to me. 

They put the 90 days late payment for the little amount and despite the fact that I already settled the payment and the late payment is not my fault it is the bank that failed to communicate with me that I have payment that is due. 

I will appreciate if the late payment can be remove from my credit report with XXXX and XXXX, I filled dispute with them and they didn't remove it because the bank claimed that it is valid charge, I explained the same to XXXX XXXX and they already removed it That is the only late payment on my report because I always ensure that I make my payments on time

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 2020-10-30 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: CO

Complaint narrative:
I HAVE SENT TRANSUNION 2 CERTIFIED LETTERS TO REMOVE FRAUDLENT AND UNAUTHORIZED INQUIRIES ON XX/XX/2020 AND XX/XX/2020AND THEY STILL HAVE NOT REMOVED THE INQUIRIES. NOR RESPONDED IN REGARDS TO THIS REQUEST, THEY DIDI REMOVE THE INVALID COLLECTIONS, BUT NOT THE INQUIRIES

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 2020-10-30 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: SC

Complaint narrative:
I pulled my credit report from XXXX XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. XXXX Never responded and the other two credit bureaus never deleted the accounts

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 2020-10-30 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: SC

Complaint narrative:
I pulled my credit report from XXXX  XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. XXXX  Never responded and the other two credit bureaus never deleted the accounts

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 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a secured Discover card with a {$200.00} security deposit. On XX/XX/XXXX the money was withdrawn from my account. About 10 days later i received the card in the.mail. I called to activate the card the same day but was refered to a special agent who said they needed access to my IRS.records to verify my identity. I complied but really didnt understand why a copy of my state id and ss card was t good enough. He said he would activate the card bu t couldnt guarantee it would work. After trying to use the card for a week i was notified the account was closed. I called trying to get my deposit back and the credit reporting removed. I was told i have to wait 2 billing cycles for the money a d there was nothing they could do about the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: THRIVE MORTGAGE, LLC
State: TX

Complaint narrative:
We applied for a Land and construction loan through thrive mortgage XXXX loan amount. XXXX acres of land and XXXXsf new build. We were suggested to use an FHA loan. the process dragged on for 4 months. 4 days before closing, they told us they would not do the loan and gave several reasons. Each legitimate reason they gave was known on day 1 of the process. Because of the 4 month delay, Thrive mortgage caused us to loose our land deal. The sellers backed out and would not extend the land contract any longer. The sellers had already extended the contract 4 times. 

After the explanation from thrive on why they denied the loan, it was clear that they knew all of the reasons on day one and wasted four months when they could have told us that it would not work on the first day. Back up Emails and correspondence are available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: MD

Complaint narrative:
In XX/XX/XXXX I received information that I may be deploying and I paid all the balance on my XXXX credit card and kept the card, not knowing that they charge me interest after the billing cycle, without communicating with me the charge accrued interest which I didn't know until they reported it as late payment on my credit report on XX/XX/XXXX. 

When I reached out to the bank, they reversed all the late payment fees, I paid the remaining payment and they decided to close the account which is not fair to me. 

They put the 90 days late payment for the little amount and despite the fact that I already settled the payment and the late payment is not my fault it is the bank that failed to communicate with me that I have payment that is due. 

I will appreciate if the late payment can be remove from my credit report with Equifax and XXXX, I filled dispute with them and they didn't remove it because the bank claimed that it is valid charge, I explained the same to XXXX XXXX and they already removed it That is the only late payment on my report because I always ensure that I make my payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: MD

Complaint narrative:
In XX/XX/XXXX I received information that I may be deploying and I paid all the balance on my XXXX credit card and kept the card, not knowing that they charge me interest after the billing cycle, without communicating with me the charge accrued interest which I didn't know until they reported it as late payment on my credit report on XX/XX/XXXX. 

When I reached out to the bank, they reversed all the late payment fees, I paid the remaining payment and they decided to close the account which is not fair to me. 

They put the 90 days late payment for the little amount and despite the fact that I already settled the payment and the late payment is not my fault it is the bank that failed to communicate with me that I have payment that is due. 

I will appreciate if the late payment can be remove from my credit report with XXXX  and Experian, I filled dispute with them and they didn't remove it because the bank claimed that it is valid charge, I explained the same to XXXX XXXX and they already removed it That is the only late payment on my report because I always ensure that I make my payments on time

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 2020-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I booked a hotel with XXXX in XXXX XXXX for my wife and I. It was a 3 nt stay from XX/XX/XXXX. It was a non refundable rate, however with Covid, all flights to XXXX were cancelled ; borders where closed. These circumstance made it necessary to cancel this booking on XX/XX/XXXX. The hotel stated there would be no refund as the booking was non refundable. I appealled and received an email on XX/XX/XXXX stating a refund was being processed in the amount of {$600.00} US . I have this email should you require a copy. After a few weeks I contacted Capital One to follow up on the refund. They stated I had to open a dispute which I did. Capital One credited my account however on XX/XX/XXXX they reversed the transaction. Since then I have tried to resolve this with Capital One directly. They sent me several pages of papers to complete, which I did and faxed back to them. After about a week I followed up with a phone call and they claim they never received the fax dispite my fax receipt showing they did. I then had to scan them and send them via my phone. I have called them numerious times only to be placed on hold for long periods of time. My last call to them was on the XXXX  when I was on hold for 35 minutes until I was disconnected. Their representative called me back and said I had to submit all this paper work again in order for them to review the case. Instead I am contacting you. 
I have impecable credit and these past due statements are not what I want to show on my credit report. 
This card was a business card in my name and my company, XXXX XXXX XXXX. I closed XXXX XXXX back in XXXX and contacted Capital One to close the account. They closed the account in question and just issued me another card as they changed from Visa to Mastercard. I don't have the entire account number for this new account but it ends in XXXX. The account number I listed below is the old account but they can still retreive the details with this infomration

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
we have some fraudulent activity years ago, These companies said they would be deleting these accounts XXXX XXXX did their job. all clear XXXX  and XXXX  needs to remove XXXX  account XXXX XXXX  account XXXX XXXX XXXX XXXX bank of america 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 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: WA

Complaint narrative:
Someone opened a Debit/Savings account in my name through PNCBank. I have tried several times to get the account closed through PNCBank without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I keep getting collection notices in the mail from a company called CONVERGENT who claims they are authorized on behalf of XXXX to collect a debt owed to them. I never had a XXXX account, and I just called them to confirm that no one else has created a bogus account with my info- They said I would have have received collection notices first from XXXX themselves, and they also said they have never even heard of this company, CONVERGENT. I am weary about calling CONVERGENT myself to dispute their false claim, b/c I suspect they are a fraudulent company, so I'm not going to call them and give them any more of my personal info. I have tried to report them to the XXXX, but b/c they are a non-accredited business, the XXXX  can not take any further action besides lodging my complaint. I've read other bad things about this company, CONVERGENT, sending out bogus collection notices, and some people even claim they affected their credit history negatively. So I'm reaching out now to the CFPB to make you aware that this company is fraudulently reporting false debt owed by me to XXXX when none exists. 

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 2020-10-30 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:
I contacted Equifax over 60 days ago regarding some information on wanted on my credit report removed. They never replied. Then I sent a letter more than 30 days ago and still no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: AZ

Complaint narrative:
I deferred {$3600.00} ( three payments x $ XXXX/month ) on my FHA Mortgage serviced by Home Point Financial Corp. This was due to a Covid-19 loss of income situation as allowed by the CARES Act. 

I promptly contacted Home Point to end forbearance and to resume payments. I requested and received Partial Claim documentation via XXXX  from Home Point and understand completely that a second lien will be required for {$3600.00}, the amount of the deferred payments. 

If you look at the Uploaded document prepared by Home Point and received by me, the amount of the second lien is in excess of {$6100.00}, nearly {$2500.00} higher than the amount deferred. This is a binding document and can not be changed once signed/notarized. 

I have remitted the upcoming month 's payment in-full and the amount of deferred payments are the only outstanding balance.. I understand there may be a small amount ( {$120.00} or less ) charged by Home Point for preparing documents and providing a return XXXX label for my use. However, a {$6100.00} second lien as written in this binding document for deferring {$3600.00} is egregious and absurd. 

Thank you for reading my compliant. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Recently refinanced mortgage with XXXX XXXX XXXX XXXX ( XXXX ). The mortgage was previously held by Dovenmuehle. The mortgage/refinancing was completed XX/XX/XXXX. XXXX, XXXX XXXX XXXX was the law firm involved. 
Due to timing ( XXXX period ), taxes are due so the new mortgage holder ( XXXX  ) required I wire money to cover the escrow. In turn, all parties ( XXXX, Dovenuehle, Law firm ) all advised me that once the loan paid off with old holder ( Dovenmuehle ), I would receive a refund of the escrow account I had with Dovenmuehle within 15 business days. 
Dovenmuehle confirmed loan paid off XX/XX/XXXX in amount of {$320000.00} and escrow of {$10000.00} would be refunded to me via check in 15 days. I still have not received the escrow refund and I have spoken with Dovenmuehle several times. 
On XX/XX/XXXX, I spoke with XXXX of Dovenmuehle ( they don't give last names or any other identifier like agent number, etc. ). He said I would have the escrow refund by XX/XX/XXXX. On XX/XX/XXXX, I called to report that no check arrived and spoke with XXXX. She told me check hadn't been sent but could/would not explain. She put in a request to process the check. On XX/XX/XXXX, I spoke with XXXX. Same story, check not sent and she would put in another request. I then spoke with XXXX and her Supv XXXX. Same story. The reps all tell me the only thing they can do is put in a request and for me to check back in 5 days. This has happened repeatedly. I asked to speak with the dept or individual who worked my loan and I'm told they can't give names or other dept contact info. I asked the rep to send me an email confirming she made the latest check request and am told they can't send outbound emails. I asked for a call back and was told they can't make outbound calls. Bottom line is Dovenmuehle is supposed to have already sent me the escrow refund check for {$10000.00} and I don't have it and every time I check I have to start all over - rep claims they update system to request check which has 5 day turn around time to issue check and I have to call back only to find out nothing has happened in terms of refunding the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
Peaks loan company was giving out fraudulent loans for XXXX XXXX. 
Now all loans are being forgiven because of the fraudulent practices of Peaks loan scam. 
Huge amount of people defaulted on these loans, I was paying them off over XXXX . 
I asked for a refund because fraudulent school loans are suppose to be paid back. 

They refused to send my refund and sent me a link to contact you. 
How do I get the over XXXX $ they stole from me back?

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