vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XXXX of XXXX my husband and I were forced to close our business 's due to covid 19 and the governors orders. Being self employed we were not eligible for unemployment at that time. Out of fear we called our bank and asked if there was anything we could do. They offered us a forbearance plan which they said was very simple and would just add 3 months onto the end of our loan. We went ahead with that. We were not to make payments for XXXX XXXX and XX/XX/XXXX. We were told they would send paper work for us to sign in the mail. We never received anything. I called on XX/XX/XXXX and then on XX/XX/XXXX. I was told everything was delayed and they assured me we would get it soon. I then called on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. All the same thing everything is delayed it will be mailed soon. On XX/XX/XXXX I called and was told they were working on our paperwork and I should get it soon. I called again XX/XX/XXXX and XX/XX/XXXX same response. On XX/XX/XXXX the paper work was sent over night. We signed and notarized and send it back the next day. I called again XX/XX/XXXX XXXX and XXXX. They said they received the paper work and were working on things. I called XX/XX/XXXX and spoke to a man who was extremely rude and told me I should be greatful that they even gave us the opportunity to do the forbearance and I needed to be patient. I called back on the XXXX of XXXX and Then on the XXXX of XXXX. I was told on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that someone would call me within 48 hours to discuss my issues and I have never received a phone call. It has now been 1 year. We are losing money. We have everything ready to refinance our home at a lower interest rate so that we can fix the roof that is leaking into our home. So everyday this process goes on is costing us money and damage to our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My last lease with XXXX XXXX has a 30 day late showing on both my and my wife 's credit. We were exactly 30 days late as I was out of the country and my automatic payment with my bank expired. I paid it as soon as I learned of the issue ( exactly on the XXXX day ) and XXXX XXXX said that they understood the issue and would remove it from my credit. They didn't ... 

My family has purchased or leased 6 vehicles through XXXXXX/XX/XXXX in the last 10 years ... and this has been the only issue we've ever had, and yet they have significantly harmed our credit as a result. 

Not exactly good customer service given the circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
The reason why I'm writing this letter is because my mortgage company reported that I was late a month for my payments but during the pandemic, I was able to get assistance with XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX for the month of XXXX, XXXX and XX/XX/2019. I spoke several times during the month of XXXX and XXXX to the mortgage company about the assistance from XXXX that they are going to process the payments so I don't get charged a late fee or be reported, they repeatedly said that they won't do so, they never mentioned anything about reporting me or anything in that matter the XXXX mad the payments for on XX/XX/XXXX for the three months.my credit score has been above 7 for many years, my credit score is XXXX today, I have been working all my life on keeping a really good credit score. when I reached out to my mortgage company about it recently when I discovered that they reported me and my credit score took a hit. they said that the person who I spoke with should havetold me that you won't be reported to the agency and you can dispute it if you want but meanwhile I'm trying to apply for a loan and with this score, it's not easy to get a decent loan. the mortgage company is Mr cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: MI

Complaint narrative:
XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My XX/XX/XXXX account mainly serves as a vehicle for XXXX XXXX Purchases which ends in the number XXXX was compromised with XXXX XXXX Visa card by XXXX with an unauthorized charge against my XX/XX/XXXX credit card on XX/XX/2021 by XX/XX/XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XX/XX/XXXXWAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOWXX/XX/XXXX OBTAINED MY XXXX XXXX XXXX XX/XX/XXXX VISA CREDIT CARD. 

This compromised security breach of XXXX XXXX XXXX XXXX VISA XXXX CARD had caused harm by suspending my purchases opportunity at XXXX XXXX AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY DISCOVERY CREDIT PROGRAM. MY DISCOVERY IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, DISCOVER IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE XXXX XXXX XXXX XX/XX/XXXXVISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the XX/XX/XXXX representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit XX/XX/XXXXXXXX Visa Card which arrived in the mail on XX/XX/2021. 

I had talked with the XXXX Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including XX/XX/XXXX credit agency. The XXXX Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX Legal says they are investigating many other complainants, some class action XXXX s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order XX/XX/XXXXto remove there false negative credit reports to all 3 credit bureaus due toXX/XX/XXXX Compromising my credit information and allowing XX/XX/XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE XX/XX/XXXXPOLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST XX/XX/XXXX CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE XXXXXX/XX/XXXX RANGE. 

THANK YOU AND XXXX BLESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid off the credit card with XXXX XXXX Bank. 
Experian deleted, removed, this account showing Excellent payment history from my credit report to provide lenders, creditors positive information. 

Experian has removed this positive credit reporting account from my record and left all negative, derogatory accounts making me like a risky, worthless borrower, infact, the credit characteristic is damaged. 

I have called to obtain a logical response, however, Experian employees advice to call XXXX XXXX Bank to report the account to Experian, hang up on me, do not transfer to XXXX. I have called XXXX XXXX and have advised to call Experian. 
In addition, I have uploaded an Experian letterhead providing infirmation such as credit card account is paid in full with {$0.00} balance. If thia letter is needed then I will uploaded to CFPB but I have to look for it at my files or at XXXX XXXX Bank inbox. 
Experian says I filed a fraud dispute regarding XXXX XXXX Bank. I did not file anything with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED. 
GM Financial will not acknowledge that they withheld that information. However the agents on the phone have. the only response has been from a letter from XXXX XXXX XXXX XXXX Department XXXX Complaints XXXX XXXX ) XXXX ( w ) | ( XXXX ) XXXX ( f ) XXXX does not answer or return calls. 
In her letter she stated - XXXX  does not cover any payment extensions you may have received throughout the life of the account. she also recommends calling the XXXX number if we have any further concerns. When this occurs the agents do not know who to connect us to and send us to a random voicemail when asked to speak with a supervisor who also will not return the call. 
- GM Financial is Avoiding our requests to speak with a supervisor. 
- That XXXX  coverage was financed ( while paying interest ) on the loan by GM financial - GM Financial offered a payment extension and never disclosed accepting the extension would affect another product being financed by you. This was never mentioned during call when the offer of the extension was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Someone opened an account with XXXX  in my name. They owe over XXXX dollars for non-payment and not returning the equipment. I spoke with Sunrise Credit Service, a collection agency, and was told that the account was opened in XXXX. I also spoke with XXXX  and is in the process of resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I had a previous mortgage with Wells Fargo. So naturally when I applied for another mortgage, I went to them first. During the Preapproval process I was told my income had been verified, so I didnt need to send in tax returns. 

Once Id chosen a house and provided the team with the purchase agreement the service went downhill. There was little to no follow up. My processor XXXX  was very bad at communicating. I sent her income forms and she didnt turn them into the underwriting team and when she came back with decisions, I could never get the appropriate information from her. 

I, an XXXX XXXX  XXXX, would call her time after time and she wouldnt answer, but always answered for my XXXX XXXX  realtor. Shed promise to follow up and never did. Id even try emailing her boss XXXX, and she never once followed up. 

I never got a final decision on my loan and after spending {$1000.00} for the appraisal and inspection, I had to go to another bank, who financed me with no 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 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MI

Complaint narrative:
XX/XX/XXXX. XXXX and XX/XX/XXXX XXXX XXXX sent a letter requesting verification and validation of account and there was no response. In addition this company is reporting inaccurate information on my credit report. The date of last activity and the last payment date is incorrect and is showing different on all 3 credit bureaus. 
Validation letters was also sent to the 3 credit bureaus and was not verified or validated correctly in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I opened an account with Pnc bank earlier this month just to pay bills. I deposited a check I received from XXXX XXXX  and they initially accepted it and it cleared. The next day they reversed it and charged a returned check fee. They said it was altered which I dont know how. When I used their mobile deposit feature it said my signature was too light so I traced over my name with black ink so they would accept it. If that was the mistake then my bad. 

I reached out to XXXX and they were useless. They said call the returns department or the escalation department. I kept asking them what will it take to get my money back and they wont tell me except for me to give my information to their escalations department. Mind you, Im on vacation and I dont want to deal with this XXXX. I tried to resolve it before vacation but I couldnt. Just run me my money and Ill leave you alone. The only reason why I joined this sorry excuse for a bank is because I could have an account under my married name. It took me almost a year to find a bank that let me open up an account under my married name and let me deposit this check I received from XXXX, despite being born and raised in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Friday XX/XX/XXXX : car was involved in accident when another car, other driver was at fault. 
Monday XX/XX/XXXX : contacted lender One Main FinanciaXXXX first thing as was first business day after accident. I was informed at that time that I was being charged extra for their insurance. I went to office to get a copy of policy as ( XXXX. I had never received copy XXXX as this was autopay I really didn't pay attention to the extra charges ) I was also informed at that time that they had sent me XXXX notices back in XXXX of XXXX and since I had not responded the insurance had been added. I asked some simple questions that they took offense to and could not answer. I will list the same questions again. 

XXXX. If One Main has no problem contacting me multiple times by email ; text ; phone calls ; and all of my bills from them since this loan as well as promotions have all come to my address on XXXX XXXX since XXXX, why is it that the only XXXX pieces of mail that dealt with an insurance issue sent in XXXX of XXXX sent to an old address on college? 

XXXX. When my XXXX  and I came in to finalize and close the loan we brought in our drivers licenses ; title ; registration ; insurance that all had the XXXX address on ( my wife had paper copy as well as sticker on back of license for change of address from Michigan secretary of state ) and we filled out closing form with our XXXX address, so how did it not get put in their system correctly? 

XXXX. They stated that my address had been updated in system in XX/XX/XXXX. I asked were they got the new address from as I had never been contacted to confirm? I was told from the File?? 

XXXXI am being told that an insurance that they took payment for to secure the collateral is no longer valid as I had shown proof that I had full coverage insurance ( I'm still being billed for their insurance though ) How can One Main take payment for a service that they have no intention of fulfilling? 

Now I am being told it could take months for them to resolve their issues, but I am still required to pay the monthly payments including an insurance that I didn't need or have to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
i recently applied for a mortgage but there were XXXX outstanding credit collection items both related an accident. I broke my arm due to slip on wet marble floor XXXX XXXX was taken the hospital by an ambulance company. The ambulance company billed my insurance over {$1000.00} but my deductible was {$400.00}. I was not aware there was a balance. The ride to the hospital was less then XXXX blocks. Had I known i would have walked to the hospital myself. In addition, my gym continued to charge me despite not going for months due to a XXXX XXXX. They renewed the service despite that i was not attending. I closed my credit card to stop the gym charges but they tried to continue to collect fees. 
I am now forced to pay for these extortion fees to clean up my credit for services not rendered and overcharges by the private ambulance service company. 

XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX Amount {$400.00} representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM tele XXXX XXXX XXXX Service performed XX/XX/XXXX XXXX Collection Agency # XXXX Tele XXXX XXXX XXXX Amount {$78.00} representative XXXX XXXX services for : XXXX XX/XX/XXXX Please note i had not gone to the gym since XX/XX/XXXX because my arm was broken and was in a cast. They charged me for months of services despite i had asked them to stop charging. 


i paid the charges to end this from being reported past due but the taint will continue to be reported as late bill. It is wrong that i have pay for these illegal fees. 

My contact : XXXX XXXX tele XXXX XXXX XXXX birth date XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Company failed to properly communicate my rights as well as the account information. They never validated debt after request. I never received written report that they had an account from them. They sent to an address that was incorrect and refuse to remove this off my credit. Once they got in contact with me, I asked for a debt validation which I never received and I attempted to settle this to not have it on my credit. After I paid it they then reported to the credit bureau. They also reported it incorrect. XXXX XXXX never gave them the proper address and I have been at the same address for years. I have been in litigation with XXXX XXXX about my account balance so I took this opportunity to just pay a settled amount prior to it going on my credit. These people are very rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX my XXXX  and I applied for a mortgage with Wells Fargo in XXXX, NJ. 
The bank provided us with the loan pre-approval letter. Our credit score are XXXX and XXXX respectively yet our loan application was denied. On XX/XX/XXXX we have received a denial letter. A few of the adverse decision factors were : level of delinquency on accounts ; to short time from the recent account opening ; to many credit inquires within the last XXXX  months. We have never had any delinquency. The XXXX out of XXXX credit inquires were by Wells Fargo, and all of our accounts were opened a long time ago and are in perfect standings. On XX/XX/XXXX we have closed the house purchase using our funds from the retirement account ( XXXX XXXX paying in cash. However, this will impact hugely our next year taxes as the money taken out of the XXXX  will be considered as a taxable amount. Our potential loss will be about $ XXXX to be paid in taxes as a lump sum as opposed to mortgage interest of the XXXX yrs fixed loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
On XXXX I was pre-approved to finance two properties with Better Mortgage. I guess I should have paid attention to the first indication of lack of professionalism this company has when they couldn't distinguish between the two properties with their platform. I ended up dropping the primary property due to the confusion and that's where the nightmare really began. As a result of dropping the primary, the dashboard picked up all of the debt and duplicated for the the residence in question. I completed the requests asked of me to payoff accounts, and pay down accounts. I spent the next 12 weeks requesting for the duplications to be dropped and was reassured time and time again that there was no issue. Each time the file went to underwriting, the underwriter, not aware of what was going on, returned the file for the same documents, previously submitted, to be forwarded to them yet again. When trying to talk with the processor about the concerns, it was brushed off as if I still needed to submit documentation. She eventually discovered what I was talking about and then assured me that there was no problem. I then received, the fourth time to underwriting, notification that I still needed to produce documentation. I asked the processor if she could complete the task, as it had already been sent to them. She indicated that I would need to supply the documentation yet once again. During this period of time I was requested to purchase a printer for copying documents, send for a duplicate copy of XXXX tax return, and endless hours attempting to meet their requests. This company does not care about their customers and are not friendly to work with.

Company response to consumer: Closed with explanation