vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Near the end of XXXX, I reached out to Shellpoint Mortgage Servicing to inquire about mortgage payment options on our personal home since we rely on income from our two rental properties. It was possible, in the near future, that our tenants may have difficulty paying rent and we wanted to know our options. I called the main phone number and reached a customer service representative. I was told that Shellpoint could not give me any options unless I filled out the online form. I filled out the form and waited for a response. Over the next few days I completed more research and realized that forbearance only put off the payments until the end of the forbearance period. This type of plan would not help me. I decided to not pursue any mortgage options through Shellpoint.

To my surprise, I received a letter from Shellpoint dated XX/XX/2020 stating that we were enrolled in the forbearance plan. I did not agree to that. On XX/XX/2020 I called my point of contact, but I could not get through and the mailbox was full. I called again on XX/XX/2020, XX/XX/2020 and XX/XX/2020 to get the forbearance cancelled and the automatic payments started again. 
This, in it itself, wouldn't have been such a problem except that I was going through a refinance of my personal home at the same time. The new lender saw the " affected by natural disaster '' on my credit report and required additional documentation, assurances and time to evaluate. This credit report verbiage is code for Covid-19-related issues and the new lender was concerned about our ability to repay the loan. That verbiage should never have been on our credit reports and has resulted in payments of {$5100.00} in loan lock extension fees. 
I'm including XXXX documents. The first XXXX is the original loan estimate for the new mortgage loan on our personal home. It shows the lender credits as {$10000.00}. The second document is the closing disclosure showing the lender credits as {$5300.00}. The difference in lender credits is due to loan lock extension fees. The third document is a letter I wrote to the new lender explaining why our XXXX loan was erroneously placed into forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has left me completely speechless. About a month ago I noticed a charge on my account that I never purchased. I went ahead and contacted citi which they later credited my account for the amount. The merchant has provided them with false proof that I purchased whatever they were selling and citi closed the dispute. How do you close a dispute without hearing from me next? Seems like they took the side of the fraudulent website. I did my own research and found out this website XXXX has history of scamming people. Its unfair that these kind of people get away with scamming people. Unlike chase bank, citi makes you feel helpless. They do not offer great support for clients and now I just feel robbed.

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 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Bureau : Experian Account : XXXX XXXX Type : Medical debt collection Original creditor : Texas XXXX XXXX Amount : {$380.00} Desired resolution : REMOVE from my Experian credit file for multiple violations. 

I am writing to file a complaint against Experian credit bureau for violating my rights under the FCRA regarding an account with XXXX Financial for an alleged medical debt collection. This debt is not accurate, complete & verifiable ; therefore, must be removed. 
*TransUnion has already removed this debt from my credit file after their investigation, but Experian will not. 

Violation # 1 : XXXX is continuing further collection activity, including credit bureau reporting, without validating this debt. I have written XXXX twice, and called them twice to dispute and seek validation of this debt. They responded in XX/XX/2020 by sending another invoice, but NO supporting evidence of the debt. I also called the original creditor, Texas XXXX XXXX in XX/XX/2020, and they could not find record of this debt either, nor could the Supervisor. 
1st dispute to XXXX  : XXXX 2nd dispute to XXXX : XXXX Phone call to XXXX  : XX/XX/2020 Phone call to XXXX  : XX/XX/2020 Violation # 2 ) Failure of Experian credit bureau to perform a proper investigation. 
I have disputed this 3 times with Experian, but they continue to verify this debt as accurate. ( Experian told me by phone on XXXX that my 3rd dispute request was dismissed as frivolous because it had already been verified as accurate by XXXX, and Experian was not required to obtain proof of the debt. ) My report now says This item remains unchanged from our processing of your dispute in XX/XX/2020. 
1st dispute to Experian : XXXX 2nd dispute to Experian : XXXX XXXX dispute to Experian : XXXX Violation # 3 ) There can not be a Past due amount reported on a Collection, yet my report shows Past due {$380.00}. 

*See attached documents confirming my previous attempts to dispute this debt and request removal.

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 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
We received ( XXXX $ ) on our bank account in the ( XXXX XXXX ) in XXXX and the payment was from XXXX through ( XXXX XXXX XXXX ) on XX/XX/2019 but the payment was suspended from execution and an inquiry was sent to the correspondent bank J.p. Morgan chase bank N.A., New York on XXXX XXXX, XXXX Due to lack of response within the specific period the transfer in the amount of XXXX USD under reference XXXX was returned to the correspondent bank on XXXX XXXX but unfortunately the account in the XXXX XXXX XXXX is closed And Yet both XXXX bank and XXXX bank refused to do anything so what would we do in this case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This keeps showing up on my credit report from Portfolio Recovery. Collection account. {$1500.00} past due as of XX/XX/2020. 

This company has garnished my check for payments through XXXX XXXX They also keep reporting incorrect dates to the Credit bureau. 

I really do not have any knowledge of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are two person loans attached to my credit report that do not belong to me. I filed a dispute in XXXX and it has been labeled as resolved. The claim is that the information is accurate. XXXX XXXX and XXXX XXXX XXXX are the two accounts attached to my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/2020 for 30 days lates. 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 check 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 2020-07-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E Mortgage Capital, Inc.
State: CA

Complaint narrative:
I have two loans on my mortgage. the second one has 7.5 percent interest charge. i talked to E Mortgage Capital XXXX XXXX Mortgage Loan Officer / Broker and he told me that i can combine both of them with 2.999 percent. i submit all the documents and after one or two weeks Mr. XXXX XXXX XXXX. XXXX, E Mortgage Capital send me an email which Congratulations, your loan has been approved! If you could please gather the list of items mentioned below we can get final sign off and move forward with issuing loan documents and they send me phone number for an appraisal which he charge my credit card for {$460.00}. Today mr. XXXX XXXX send me an email which I am very sorry to inform you that the lender has declined the loan to refinance both loans due to the high loan to value. I will call you as well to discuss.we talk to each other and i asked him who is responsible for {$460.00} charge and he is telling me you. i called to my credit card company and dispute the charge.

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 2020-07-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!

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 2020-07-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!

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 2020-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Im trying to get XXXX XXXX to have them pay my rent so I can make smaller payments throughout the month because I dont always get paid on the XXXX of the month when my rent is due and there is over a {$100.00} charge for late rent. Please allow me to link my bank acct so I can avoid late fees for my rent. Thank you. Ive been with PNC over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax report is not showing up anywhere. this problem has been happening for about 3 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
Comapny name merchants credit in Washington state continue to threaten me and family .By send representative to my house and threatened my minor son who is XXXX XXXX if he doesn't call his father now.Threw papers at him since he didn't understand anything .This company merchants credit continue contact me even after i told them to stop.It was medical bill around {$1800.00} dollars That was due to an accidents another party hit me and i advised XXXX XXXX XXXX the original creditor that my injury attorney is working on it .XXXX advised me that merchants credit association is no longer their collection agency and they are not using because of repeated abuse and complaints.Merchants credit association and to threaten to sue me and harm my family to collect the bill .I told them several times to stop.Still continues to threaten by phone thru mail in person and thru credit reporting .This abuse need to stop.

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 2020-07-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I informed fifth third bank that I didnt open a credit card that I found on my credit report and they wont take it off. They told me that the account was sold to a collection agency and when I did research the company is out of business. I have been disputing it with credit agency for months and they wont remove it. Its fraudulent and I want it removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-07-30 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: OH

Complaint narrative:
I informed XXXX XXXX XXXX that I didnt open a credit card that I found on my credit report and they wont take it off. They told me that the account was sold to a collection agency and when I did research the company is out of business. I have been disputing it with credit agency for months and they wont remove it. Its fraudulent and I want it removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: OH

Complaint narrative:
I informed Experian that the XXXX XXXX  credit card account found on my credit report was fraud and they still didnt take it off they keep running me in circles I have sent them letters from bank and collection agency saying its fraud. I want it removed off of my credit report immediately

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 2020-07-30 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: OH

Complaint narrative:
I informed XXXX that the XXXX XXXX credit card account found on my credit report was fraud and they still didnt take it off they keep running me in circles I have sent them letters from bank and collection agency saying its fraud. I want it removed off of my credit report immediately

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 2020-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOTAL MORTGAGE SERVICES LLC
State: TX

Complaint narrative:
Started a mortgage application with Total Mortgage on XX/XX/2020. At the beginning of the process I was treated as if my business wasn't welcomed by XXXX XXXX. Once I applied and sent in my documents there was no follow up and when I called to follow up it was met with push back and disengagement. Another time when I spoke with XXXX XXXX was told because I didn't do exactly what he asked me to do then he didn't feel like he could help me. I asked if XXXX XXXX could assist me since he was initially the first person that reached out to me when I first applied, and he said you can give him a call in which I did and left a message because XXXX did not answer. I followed up with XXXX about a week in a half later in which my first conversation with him I received total attitude and proceeded to talk down to me before I could even fully explain why I was calling. I am not sure why I was treated this why by this company. I simply was trying to obtain my first home and sough out their company for a potential mortgage loan. Before the end of the call on XX/XX/XXXX, XXXX advised he would be re pulling my credit at my request. Then on Monday XX/XX/XXXX I received an email from XXXX saying that there are multiple layered risks and they do not feel comfortable taking my file on given the current financial climate. 

I was never asked any questions about my file, I provided every single document along with proof and account sign ins, my id and social, and more ; during this process I paid off 3 items that were hurting my credit ( which XXXX appeared to be displeased with me doing ). I was denied further service based on opinion and not facts. I also believe race played a role in that has well. By law if I am denied a loan based on my credit, finances, or any other factors I should be told exactly why I was denied and I wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We were solicited by Rocket Mortgage ( Quicken ) for a refinance of our VA home loan. We started the process around XX/XX/2020. We provided the required documentation no later than XX/XX/2020 to Rocket Mortgage. We were advised that from here on out, the loan would go to final underwriting and we would be scheduled to close by the end of the month of XXXX. Due to technical difficulties on Rocket Mortgage 's side ( a missing disclosure that they were unable to send electronically ) we did not close at the end of XXXX. We provided the executed disclosure and advised we would close at the end of XXXX, as to minimize the prepaid interest amount we would pay on the new loan. We had no contact with Rocket Mortgage regarding our final underwriting and when we would be clear to close. After being assured we would close at the end of XXXX, I sent an email of complaint to Rocket mortgage on XX/XX/2020 and to date have not received a response. On XX/XX/2020 ; I spent more than 3.5 hours on hold asking about the status of my complaint ( which two customer services reps ignored and failed to address ) and one chat where I was asking questions regarding the HUD-1 Settlement statement, first payment date of my new loan, and the delay in this process. 
I questioned the following on my Preliminary HUD : Payoff provided by lender ( attached ) is {$210.00}, XXXX Payoff listed on HUD ( attached ) is {$200000.00}. 
Unable to explain the delay in Clear to Close from XX/XX/2020 to present Unable to address the reason for not closing prior to XX/XX/2020 ( initially scheduled ) Via Chat, I expressly asked that we receive a call no later than XXXX tomorrow and that the closing is cancelled until my inquiries are met. The package, estimates et all are all prepared and still reflect that I am closing on XX/XX/2020.

Company response to consumer: Closed with explanation