vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I reached out via phone to TD Auto Finance in early XX/XX/2019 to seek a payment extension as I knew it would be tough for me to make the next payment given the substantial money Ive spent trying to repair my flooded moldy home in Houston. I took the action they required, which was to pay the accrued interest to effect the payment extension. TD claims I should have mailed in a signed paper as step 2 to  effect the agreement. The attached shows that TD confirms on pg 1 that paying the interest is whats needed to effect the agreement. Pg 2 changes it to say sign here. In short, TD reported the account 30 days late which caused all 3 of my FICO scores to decline XXXX points. Ive begged them to not apply this false 30 days late and they refuse to even consider admitting their negligent error. 

Unfortunately, Ive been through this with other lenders and none has ever required a document to me sent in : XXXX XXXX, XXXX XXXX etc. matter of act, those lenders have never required the accrued interest be paid either, but thats not my complaint. 

Ironically, Ive sent TD Auto 2 payoff checks in certified funds, and they have yet to apply either check despite having the checks for over 7 days. TD clearly has operational issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Strada Education Network, Inc.
State: SC

Complaint narrative:
My wages are still being garnished and loan status is in default status from attending the failed for profit XXXX XXXX XXXX. Under the terms of the latest settlement, XXXX must stop collecting on all outstanding loans and discharge all of them, the CFPB said.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I refinanced my home with CashCall Mortgage in XX/XX/2019. They transferred loan servicing to XXXX effective with the first payment on XX/XX/2019. I set up autodraft for the payment, and the first payment was successful. Two weeks later I received notice that the loan had been sold to XXXX, and the servicing was now being transferred to XXXX XXXX   where I also set up a new autodraft. The notification from XXXX states in bold letters across the top : No action is required on your part. 

On XX/XX/2019, the prior servicer, XXXX, pulled a payment in the amount of {$3300.00} for a loan they no longer held servicing rights to. On XX/XX/2019, XXXX pulled their regularly scheduled payment as they now hold servicing rights to the loan. 

I contacted XXXX, authenticated in the IVR, opted to speak to an agent ( who required full authentication AGAIN with the same information! ), shared the information above and asked how this would be resolved. He said that since this was no longer showing as an active loan in the system, he had no information including the payment drawn on XXXX XXXX. He recommended that I write to XXXX to request a refund. 

I have reached out to XXXX as directed, and am also lodging a complaint here as this should not have been necessary on my part based on the formal letter received from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went into foreclosure back in 2016 due to loss of income, lost my job. Went back to work and filed for a modification of reinstatement with Chase. I was refused 2 times because I defaulted in the past. I hired XXXX XXXX who said they can get me back on track. They filed 2 more times with no results. All the times I sent in for reinstatement or a new modification Chase never used my income as a barometer for another chance. Same answer came back, because of prior defaults I would not qualify. I tried one more time and was denied once again. I make enough money to pay for my mortgage and more. I even offered chase part of the money back to negotiate a settlement, but to no avail. They want the total amount owed or I lose the home. I'm very frustrated with Chase and feel that although I did refinance in the past and went into default due to hardships from losing my work. all I want to do is save my home and get my mortgage reinstated. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
My Husband works in XXXX and was out of work due to the snow therefore we fell behind on the mortgage which then we reached out to Flagstar and spoke with an agent. XXXX sent out an application to apply for modification after all documents were sent we were reassured that we would be okay BUT we received a letter months later declining our application. I then reached back out to XXXX and spoke to him regarding the mail which he then stated we can redo BUT at that time we were so far behind and a notice for foreclosure had been sent to the home. 
My Husband and I had placed our family home up for sale after reaching out to a Realtor which he was willing to sale but advised that filling for Chapter XXXX Bankruptcy is also an option. 
My family had told us about a program called XXXX whom can assist which Monday we had reached out to them to learn our options. XXXX had sent over ALL documents needed BUT after 2-3 months they stated they have not received any documents. XXXX representative faxed and emailed documents which also included confirmation BUT in that same email Flagstar replied stating they still have not received documents. 
I went along and filled Chapter XXXX so we wouldn't lose the home because the sale date is XX/XX/XXXX which my Lawyer has been in communication with Flagstar but having a hard time getting anything out of them or complying. 
XXXX and my Lawyer both called me again XX/XX/XXXX asking if I still wanted to move forward which we do and are attempting to contact Flagstar AGAIN but informed me that I am able to make a complaint which i was told to do so months back but i wanted to give them an opportunity which they have failed yet again. At this point everyone is frustrated with Flagstar

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 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Before I opened the Savor credit card with Capital One, my husband ( who was also a Savor card holder ) and I specifically asked about whether cruise ship charges would be considered entertainment for Savor card reward purposes, therefore earning 4 % cash reward instead of 1 %. Both agents explicitly and definitely stated that cruise ship charges, including all expenses incurred on cruise ships are categorized as entertainment and would be receiving 4 % rewards. 

As a result of Capital One agents ' response, we put all cruise ship expenses on the Savor card, expecting 4 % reward ( instead of putting these charges on another credit card that give us 3 % rewards for travel ). The transactions included : XX/XX/19 XXXX {$2600.00} XX/XX/19 XXXX XXXX XXXX XXXX {$910.00} XX/XX/19 XXXX XXXX XXXX {$68.00} XX/XX/19 XXXX XXXX   {$3900.00} However, contrary to what Capital One agents told us, we were only credited 1 % cash rewards for these transactions as Capital One claims that these merchants categorize these transactions as travel. Capital One mis-informed us of its reward program categorization and as a result, we did not receive {$220.00} of cash reward that we were informed we would earn with these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc.
State: GA

Complaint narrative:
I closed on my new home on XXXX and over XXXX dollars was put in my escrow. I got my tax bill for 2019, which was XXXX. I sent this 2019 property tax bill over to XXXX at Prosperity Mortgage who closed on my loan. I was told by my contact at Prosperity that the bill was paid along with my homeowners insurance. She said the balance in my escrow was {$6900.00} after these items was paid as of XXXX. However, after my mortgage was transferred to the new servicer, XXXX XXXX XXXX, my escrow balance is showing {$1000.00}. I was told my XXXX that prosperity paid another tax bill of {$7100.00} which there is not such bill. The bill was actually XXXX can't get in touch with anyone at Prosperity to let me know what happened to all the money in my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HOVG, LLC
State: FL

Complaint narrative:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: FL

Complaint narrative:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2019-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I took out an auto lease from Chase Bank, account XXXX. The lease was a 36 month lease that was set up for automatic monthly deduction from my bank account, at the end of the term Chase Bank assessed a bill for damage to the car, I did not receive this bill and was only made aware of the issue once I was notified of a 30 day late payment by the credit bureau. 

My issues are as follows : 1. The account was set up for automatic monthly payment and any fees should have been deducted as were the prior XXXX  on-time payments. 
2. I was never sent a bill or invoice from Chase until I called them to query the late charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing a complaint against Bank of America ( BOA ) due to their failure to maintain a foreclosed condo property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, SC. 

THE ISSUE : BOA has owned this property for over a year and has failed to protect the exterior door openings from water intrusion after repeated requests by XXXX XXXX XXXX attorney. Water has entered our building and flooded units below the unit owned by BOA. BOA has failed to reimburse our small building for this damage after successfully filing a lien on their unit. BOA has failed to make any repairs to the building to prevent future damage leaving one door, facing the ocean, with deteriorated plywood. This property is a blight on our building and our community. 

Additionally, BOA 's inaction has also caused rot to common area building components and wood wall structures which are owned by the XXXX XXXX XXXX. There are seven door units that face the ocean in the BOA condo and are the responsibility of BOA according to our Master Deed. All seven doors are not compliant with XXXX XXXX building code. XXXX XXXX XXXX has repeatedly asked that these doors be replaced with doors that meet the building code as required by XXXX XXXX XXXX 's Master Deed. 

COMMUNICATION : BOA assigned this case to a local XXXX XXXX attorney ( XXXX XXXX, XXXX ) which has evaded our repeated demands for repair. At one point, BOA agreed to make repairs but subsequently missed the deadline they agreed to in writing. To date, I am not aware of BOA making any significant steps to even conduct preliminary due diligence which would be required prior to any repairs due to the repairs now being so significant. 

SUMMARY : The actions of BOA are disturbing and beyond comprehension. BOA has ignored not only how these needed repairs are inhibiting their own ability to sell their unit but also completely ignoring the impact to their neighbors. They also are causing a negative financial impact to owners which are not able to rent their units or are forced to rent units for less money as beach goers choose to stay in buildings without old deteriorated plywood on doors visible to the street and beach. 

Please help the XXXX XXXX XXXX and ask Bank of America to replace the doors and stop hurting the other owners in our building. Thank you.

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 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-11-04 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: MoneyLion Inc.
State: GA

Complaint narrative:
Per agreement with XXXX  on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX last week and XXXX   today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

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 2019-11-04 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below. 

ACCOUNTS XXXX XXXX XXXX  XXXX never late DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU 3XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine COLLECTIONS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: FL

Complaint narrative:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2019-11-04 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: FL

Complaint narrative:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I have been fighting Equifax for some time now. They have my birthday incorrect and even after several attempts to get them to fix it they still have it wrong. I have supplied them all the information they need to investigate the information and they still report it incorrectly. I am not sure if they don't read English or what but the information they listing is wrong. I have called them, written them and still they refuse to fix their incorrect information. The birth date they are reporting is associated with fraud and they should have done more at that time instead of trying to lock everything with the wrong information! I was a victim of fraud and using that incorrect information also shows an account with XXXX XXXX which is not mine.

Company response to consumer: Closed with explanation