vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I applied to refinance my rental property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) with Amerisave on XX/XX/XXXX. Amerisave is discriminating against me because I am XXXX XXXX. I filed a complaint on XX/XX/XXXX regarding them not giving me a date to close on my loan, and Amerisave had a guy name XXXX contact me to say they would expedite my file but they continued to say they need documents I had already provided to them months ago. It has been 14 weeks ( 3.5 monyhs ) since I applied to refinance and Amerisave keep saying they need information I had already given to them over and over again, as a delay tactic to not give me a closing date. Amerisave said they needed to verify my employment on XX/XX/XXXX and I told them my employer said they use the work number for employment verification which I told Anerisave ten days ago on XX/XX/XXXX. They are trying to act as if the work number is not an acceptable means to verify my employment, although XXXX XXXX and XXXX XXXX underwriting guidelines states the work number is acceptable. Amerisave is giving me the run around about why they have not given me a closing date yet, saying they are working to close on my loan although I have given them everything they have asked for the same day they requested it. I am XXXX american with over 750 credit score, income and my drbt tp income ratio is no issue, but this unethical company ( Amerisave ) is delaying my closing to tack on more fees since I qualified for a 2.25 % interest rate they do not want to give to me since I am not a XXXX  man. They are refusing to close and asking for same documents or information repeatedly. I need assistance and Amerisave needs to be investigated for these unfair and unjust practices. I asked in multiple emails to speak with a higher up but they wont provide the information after numerous requests. This is shameful. I have provided all information and more to close on my loan but Amerisave won't do it because I am XXXX and they want to charge me more fees than a XXXX  man due to my race. When I first applied I was approved immediately but once I disclosed my race everything was stayed and has been delayed every since I disclosed I am XXXX. This is truly shameful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
OnXX/XX/2020I purchased a plane ticket using my credit card to fly from XXXX XXXX to XXXX XXXX, and returning for {$480.00}. The amount was posted on my credit card on XX/XX/2020. However, due to the Covid 19 pandemic the countries of XXXX and XXXX cancelled flights due to the pandemic. I was planned to go in XX/XX/2020, but due to the flights being cancelled I filed a credit request to my credit card company. On XX/XX/2020 the credit card company ( Capital One ) provided a credit for the full amount. But on XX/XX/2020 the credit card company charged the airfare again ( rebilled ) for {$480.00} claiming I had not provided enough evidence to substantiate my claim. I proceeded providing documents that showed USA had restricted traveling to other countries. I also provided documentation showing the Center for Disease Control had asked travelers not to travel to XXXX and other countries. I also provided documentation showing XXXX had closed its airports for traveling. I have called several times Capital One and provide the evidence they requested but they refuse to provide me the credit for a service I never used since I had cancelled my traveling plans directly with the airline company ( XXXX XXXX from XXXX ). Please help me with my case. Thank you so much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 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.

Complaint narrative:
So i filed a dispute with equifax on XX/XX/XXXX for which i got an email saying 5-20 business days. 
After 21 business days i began calling. 
I was told they were having technical issues with their dispute tools and they couldnt help me. 
Day 2 i asked for a manager and was denied saying only a callback was an option. 
I accepted, but never received a call. 
Day 3 i was told the technical issue was around 3 weeks now. 
Day for i was told over a month. 
Fast forward to today, i called and spoke to an agent, said call backs were a lie and i wanted to speak to a supervisor now, she hung up. 
Called back. After 1 hour i got a manager XXXX, who told me the tools were working again, they he pulled up my info and said, oh sorry THOSE tools are NOT working. 
I got frustrated and asked why he lied, he said 'dont yell at me ' i told him i wasnt yelling. 
He said ' Sir you can not yell at me have a good day ' and there was silence. 
I said 'If you hang up i will have you fired '. 
He remained silent. 
I said ( after assuming he hung up ) 'OH MY XXXX, YOU XXXX XXXX ' To which he responded ' you cant say that, have a good day ' and hung up. 
This is unacceptable behaviour. and they are refusing to acknowledge my dispute because of 'technical issues ', but how can a company operate with technical issues lasting over a month ... 
I want this resolved right away

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: MN

Complaint narrative:
We applied with Interfirst to refinance our ( XXXX XXXX ) mortgage in early XXXX of this year. 

We provided all requested documentation & were approved & had an appraisal in XXXX ( we paid {$830.00} ). 

In the 3rd week of XXXX was told by our loan officer XXXX XXXX we would be contacted to set up a closing appointment. That never occurred & instead additional documents were requested which were promptly provided & this is still going on as of last week. Most of the time there's no placeholder to upload the additional request so then i have to email XXXX XXXX so she can create one so thats more emailing & delay. 

We have never been informed of any deficiency - just additional requests which we provide - but we never get to close. 

In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwe have received notification letters from XXXX XXXX that they have responded to inquiries for pay off. 

I asked XXXX if we are going to close before the end of XXXX & there reply was they needed a transcript of our tax return ( already uploaded the pdf a long time ago ). 
On Tuesday XX/XX/XXXX i emailed XXXX to withdraw our application because it is over 140 days since we applied. 

Last night XX/XX/XXXX i was filing bills etc & what I thought was a routine renewal of our XXXX XXXX Homeowner 's insurance was actually a DECLARATION : It indicates Interfirst WITHOUT OUR KNOWLEDGE OR PRIOR NOTIFICATION ASSIGNED ITSELF AS THE MORTGAGEE AS OF XX/XX/XXXX & WE STILL HAVE NOT HAD A CLOSING OR SET A CLOSING DATE. I understand this date should be or be pretty close to the closing date. 

I will upload a pdf of the XXXX XXXX document in Step 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Freedom debt relief did not get permission to settle a XXXX XXXX XXXX  account for me. I called freedom debt relief and sent numerous letters to to them their services were not wanted due to the unprofessional representation. I never consented to any settlement on XXXX XXXX or any credit cards and I do intend to file criminal charges for falsely making a settlement with my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello - this morning at XXXX XXXX PST, I received an email from PayPal stating the following : After review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive money or shop online. Upon seeing this email, I immediately called PayPal customer service and was told by a representative that there was nothing they could do to reverse the ban and that they could not tell me what I did wrong either. I called customer service again a few hours later and received the same exact answer. 
I was never given any warning or indication that I was breaking any of PayPals rules before I received this ban on my account. Additionally, I have had this account for 2 years and have used it to buy and sell on the app XXXX all while having zero issues. I would like this matter to be investigated and for my account to be opened back up for me to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have had a one-time late payment remark on my account due to covid and due to the circumstances, I didn't get the chance nor did I have the knowledge at the time of the delinquency to get my payment deferred. This is now causing me damage while I'm applying for a mortgage. Typically I always pay on time and this was a one-time out of the ordinary situation.

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 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a second dispute letter to Comenity Capital Bank/XXXX and all 3 credit bureaus regarding a credit account that was opened in XXXX and has 10 inaccuracies. It is well over 30 days and there are still 10 inaccuracies listed on my credit report and the account still has hasn't been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I have been working with XXXX XXXX, the branch manager, at Huntington Bank located in XXXX since late XXXX. It took me making several calls to the corporate office in Ohio and posting on the bank 's XXXX page to get help from XXXX. She was assisting me in liquidating my deceased mother 's IRA that has matured. The portion for my daughter and myself have been liquidated. However, I the portion for my son is still at the bank. I explained to XXXX that my son is currently XXXX in Texas and asked her what would be required in order for me to take care of the funds on my son 's behalf in late XXXX. XXXX told me I would need to obtain a power of attorney and provide my son 's ID. XX/XX/XXXX I e-mailed the POA and a notarized copy of my son 's XXXX XXXX. XX/XX/XXXX when I did not hear back from XXXX I reached out to her via e-mail to inquire if she needed any additional information from me as well as to inform her that I had moved and would be withdrawing the funds for my son out of the bank. About a week later XXXX called me to tell me that a state ID would be required for the withdrawal to be completed. Under the circumstances with COVID and my son being incarcerated there is no way for him to obtain a state ID. The bank has his XXXX XXXX which has his picture on it along with all the other requirements asked for my son and myself. There must be something that can be done so I can obtain the funds so that the state won't claim the funds ( escheatment ). 

I am hoping to get some assistance from your agency to help resolve this matter as there had been previous issues regarding the liquidation of my deceased mother 's funds in 2016. XXXX has been very responsive in getting the funds to my daughter and myself. However, she said that there was nothing more she could do if I were not able to get a state ID for my son. Again, this is an out of the ordinary circumstance with COVID and my son being incarcerated. However, I have the POA, notarized inmate ID, short certificate showing me as the executor of my mother 's estate, and my ID. There should be a way to annotate the account so that transaction of closing the account is well documented. 

I can be reached at XXXX XXXX XXXX XXXX or via e-mail at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is paid as promised after numerous Calls and given incorrect info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: NC

Complaint narrative:
I paid a collection account in full to XXXX XXXX XXXX XXXX in the amount of {$1600.00} on XX/XX/2020. The account is still listed on my credit report under collections & does not reflect paid as agreed. I contacted XXXX to ask that it be removed & they would not comply. I have also disputed the information with Experian & provided proof, but it was not updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

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 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Debt is not mines last names aren't even spelled the same. Must be father 's doing.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Credit report is missing previously paid off car loan. I made an attempt to correct this omission but mailing a packet of all needed verifying documentation. I called Equifax today to inquire about status and they could not verify my identity and had no record of my mailing which had been received and replied to by the other 2 credit bureaus. This packet included sensitive identifying information and was lost in system. Equifax also failed to unfreeze my credit account as I requested via mail about 6 months ago per their stipulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an insurance reimbursement claim check in the amount of {$48000.00} from XXXX XXXX for Hurricane Irma damage. Summary of Loss Roof {$51000.00} and {$2800.00}. interior repairs less deductible of {$5800.00}. The check is made payable to myself, the adjuster, and Regions Bank. The adjuster and I went to Regions Bank at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX on XXXX/XXXX/2020. We have them the claim report and attorney loss settlement communication including the insurance company breakdown of the reimbursement, the roof replacement contract including paid summary and release of lien. The rep that addressed our need XXXX XXXX indicated that an inspector would call in a few days and that once the inspector came to the home, I could return to have the check endorsed. On XX/XX/2020 I emailed XXXX XXXX to follow-up and never received a response. I then sent a message to Regions via my online banking and received a response to call the branch. I never received a call back from XXXX XXXX. I called Regions XXXX to follow-up and on XX/XX/2020 I emailed Customer Service at XXXX the settlement letter explaining that it was the only documentation provided by XXXX XXXX. I also sent them all of the receipts of the repairs that were done. I called XX/XX/2020 and Regions said they would review. I called XX/XX/2020 and again XX/XX/2020 when XXXX said I would hear back from an inspector within three days. I called again Tuesday XX/XX/2020 when XXXX referred me to a supervisor who called back and again said they needed the detailed settlement. He apologized that Regions was using a new system and they were having computer issues with system failures. After a long talk, finally they he said that an inspector will call within three days. Since I have provided proof of payment for a roof replacement and that is the bulk of the reimbursement and only {$2800.00} is for the interior work, I sent pictures of the interior work to Regions. This morning I called Regions again and they said that because of the holiday it may take more than 3 days for an inspector to call to schedule the appointment. I believe that it should not take a month for Regions to contact me for an inspection. They have proof of payment, invoices from the contractors, and claim settlement from XXXX XXXX. My HELOC account is current and I have not been late since inception. Payments are deducted from my Regions checking account. All payments to the roofing company and contractors have been through my Regions bank account. My HELOC  with Region Bank ( XXXX Florida ).

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 2020-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
Tue, XX/XX/XXXX, XXXX XXXX to XXXX I need two things from you before we get rolling. In writing-no seasoning requirements needed and no current lease. If Cardinal is good with that then I will get moving on signing everything and getting documents to you. 

Thank you sir XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me Yes sir so we got the approve eligible when we ran it through the XXXX XXXX so seasoning isnt an issue or it wouldnt of given us a yes as well as no lease is required because you have enough income to own the home just to keep it empty if you wanted to haha but if you have 10 mins right now Ill call so we can get this thing locked in and you dont have to worry about the rate changing tomorrow XXXX XXXX | Loan Originator Inside Sales Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX : ( XXXX ) XXXX | XXXX XXXX I received a call stating there are seasoning requirements. They have {$600.00} of my money, not performed what they stated they would and have not returned my calls. Next step is small claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: CA

Complaint narrative:
I was in the process of buying a home with my husband. 
We worked with this company " Credit Plus '' We authorize them to make 1 credit run, but then I found 7 hard inquiries on my XXXX and 6 on XXXX. ( thru XXXX XXXX ) I already contacted the company multiple times, to different numbers, and I keep getting no answers. 
I called XXXX and they advice me to create a report in order to take care on those inquiries that are hurting my credit score significantly. 
Thank you. 

Inquiries : Name date 1. Credit Plus XXXX XXXX 2. Credit plus XXXX XXXX 3. Credit plus XXXX XXXX 4. Credit plus XXXX XXXX 5. Credit plus XXXX XXXX 6. Credit plus XXXX XXXX 7. Credit plus XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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