vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC
State: UT

Complaint narrative:
We applied for a mortgage loan with SOFI Financial the first week of XX/XX/2020. We locked in our rate for 60 days on XX/XX/XXXX. After sending in documents showing income, mortgage balances, credit report, we were told we were approved for our loan. Our home 's appraised value came out higher than we had initially valued it on the application ( so no problem there ). We received an estimated closing date of XX/XX/2020. 
When that date passed I contacted our loan officer to find out what the hold up was. He stated he'd look into it and get back to us. At that time he requested more documents that we had already sent in, but I sent them again.

When our loan officer failed to contact us over the next week, I contacted his supervisor and asked what the hold up was, since our lock was then expired, our estimated closing date had past. Within a hour of contacting the supervisor, our loan officer contacted us and asked for an explanation of a past foreclosure. I explained neither my wife nor I have ever been foreclosed upon, that there must be some mistake and why was this only now coming to light after they had pulled our credit report and twice informed us our loan was approved. I asked if this was retaliation for going to his supervisor. I asked if he was discriminating against my wife and I for some reason.

He said, " of course not '' just routine inquiry. He said he'd get our loan closed by the 90 day mark.

12 days later, after the 90 day mark, I contacted the company again to ask what was happening. I received an email asking for additional documents that we had already turned in several times and no other response. The email was the exact same email as 6 weeks before, that we had already responded to.

I believe SOFI is holding up our loan by requesting we send in the same documents over and over, hoping we'll cancel our application. Which is what I finally did after 93 days since we first locked in our rate.

We paid for an appraisal and wasted 90 days time on this matter. I can not prove it, but I believe my wife and I were discriminated against.

I requested a refund of the appraisal cost and {$2000.00} compensation for wasting 90 days of our time, and losing our rate lock, but I got no response on the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with the three major credit bureaus XXXX, XXXX  and Transunion about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX  about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
In XXXX of XXXX, I received an alert to my credit file from a Paragon Revenue Group. It stated it was a medical debt and that I owed them {$4700.00}. I reached out to the company to tell them that this was not my debt and I was instructed that I had to pay it. The next day after talking to this company I contacted the hospital and they stated I had been in for services. I informed the young woman that I was not even in the state of Ms and she instructed me to bring the papers to her. I took the information she requested and she said that she will pull it from the company and my file. Two weeks later I received notification that the fraudulent account had been removed. On  XX/XX/XXXX, I received another notification. The same company put that same fraudulent account on my credit file again and it damaged my credit severely while I was in the process of buying a home. The account is fraudulent and the company is continuing to try to collect on an account thats not mind by damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
I was having trouble making a payment online for my mortgage with Volunteer Mortgage Loan Servicing. I spoke with the company and discovered the problem. They instructed me to call a certain number to make the payment, this was on the last day of the month, and they informed me the payment would not be reported as late or negatively affect my credit score. This was for XX/XX/XXXXorXX/XX/2020. It was reported late anyway. I spoke with Volunteer Mortgage and they instructed me to file a dispute with the credit bureaus in order to get the information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 formally requested for XXXX/XXXX # XXXX to remove this fraudulent account wich is not mine and the result of Identity theft, i have provided then with all documentation of th illegality of the same account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Every day I get a call from XXXX / XXXX saying they are from Macy 's, after I inform them I do not have a Macy 's credit card they then ask for social security number which I refuse to give them. I talked to Macy 's and they have not made any calls to me. I would like for these calls 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 2020-10-07 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:
Hello Experian, I received a copy of my credit report and I am disputing some items that need to be deleted immediately. I have highlighted and circle these disputed items on the attached copy.I also attached my Driver License and a Utility bill to verify my identity. The reasons why these items should be deleted are also attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Conn's, Inc.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
This company practices in predictory lending practices during the pandemic. They advertise on their website the following ( https : //netcredit.com/blog/how-cares-act-impact-credit-score/ ) : " During the CARES Act, if your finances are affected by COVID-19, you can make an agreement with your creditor to update or change your payment terms, which may include temporarily skipping or reducing payments. As long as you maintain the new terms, youll be able to keep your account up-to-date without any damage to your credit score ''. 



I had to miss a couple of payments during COVID-19, and I communicated with netcredit from XX/XX/2020 to XX/XX/2020 and instituted repayment plan. During the CARES Act, my finances are affected by COVID-19. I made agreements to change my payment terms. I have maintained the new terms, but Netcredit is still reporting me as late to the XXXX, XXXX, XXXX and damaging my credit score. 

I called and wrote a letter, asked to speak to suupervisor and was unable to. This company is currently being sued in VA for predictory lending practice. Horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a checking account with Chase, who has an Overdraft Policy available noting that they charge an overdraft fee of {$34.00} when an account is overdrawn by more than {$5.00} ( see attached ). On more than one occasion, I have overdrawn my account by less than {$5.00}, but was still charged a {$34.00} overdraft fee. Recently, my account was overdrawn by {$4.00} but was still charged an overdraft fee. I used Chase 's messaging feature to ask that the charge be reversed and they responded that they charge based on whether the account is overdrawn by less than {$5.00} at the end of the business day ( attached ). 

However, at the end of the day on XX/XX/2020, by account balance was - {$4.00} ( under the - {$5.00} threshold ). Only the next day did charges appear that were suddenly listed as having been charged the previous day when it was not when I checked that evening. 

I am concerned, as I have expressed to Chase before, that my transactions are being re-ordered to incur more fees which is extremely unethical and takes advantage of low balance customers. 

I would also like to note that {$34.00} is an EXTREMELY high amount to charge for an overdraft even in the best of times. To charge such an exorbitant amount per overdraft up to {$100.00} PER DAY seems to prey on low balance ( and perhaps low income ) customers. As a very large Bank that caters to the individual consumer market, these fees could use some looking into by the appropriate governing body. Personally, by my quick count, I have been charged {$780.00} worth of overdraft fees since the beginning of the year, and that is even after some were reversed at my request ( which I do appreciate! ). Especially considering the global pandemic, it is a shame that these large consumer banks show no concern for throwing fees at the low balance customers that can least afford it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX XXXX  XXXX XXXX account # XXXX XXXX. Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
I went to XXXX XXXX XXXX XXXX through XXXX I graduated and left the school. Several months later I discovered that XXXX XXXX XXXX was closed due to fraud. I also discovered that Navient and peaks loans were involved in fraudulent practices against it's students. I went on Navient and filed a form right against repayment seeing my diploma was no longer any good. Navient has charged me over XXXX in student loans and with the interest that occurs every month and each year had sky rocketed over XXXX in student loan debt. I have tried to talk to Navient to get these loans discharged several times and they won't budge as well as my my form right against repayment sits in limbo with no one deciding. Meanwhile my student loan gets bigger and bigger and Navient refuses to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was having trouble making a payment online for my mortgage with XXXX XXXX XXXX XXXX. I spoke with the company and discovered the problem. They instructed me to call a certain number to make the payment, this was on the last day of the month, and they informed me the payment would not be reported as late or negatively affect my credit score. This was for XXXX or XXXX of 2020. It was reported late anyway. I spoke with XXXX XXXX  and they instructed me to file a dispute with the credit bureaus in order to get the information corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CarMax, Inc.
State: FL

Complaint narrative:
I have reached out to Carmax as well as the Credit Bureaus by mailing them letters and speaking to them on the phone to dispute the information being provided to my credit file. Carmax is reporting the following inaccurate information on each credit bureau 1 ) The Balance Owed, 2 ) The Highest Balance amount, 3 ) the date opened and 4 ) the last payment made on this account. 

These inaccuracies are harming me and my ability to obtain affordable housing, and other important necessities and this is an intimidation tactic, even though I made arrangements with them to pay my balance and have been honoring this agreement by paying them monthly. I have bank statements to prove that they are receiving a monthly payment and not reporting them, and reporting an inaccurate balance. 

As they continue to choose to report inaccurately, I am requesting that they delete all information completely from all the Credit Bureaus Immediately. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The  banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a check from my home insurance company, XXXX, who are very reputable. Bank of America said they were holding my check for almost 2 weeks instead of a few days. They gave me no use to any funds whatsoever. 
On XX/XX/XXXX, I noticed that Bank of America cancelled this deposit out without any phone call or notification to me. It was made out to my Mom and myself. The insurance company told me as long as I have POA and a Living Trust since my Mom passed in XXXX of XXXX, I would be ok. 
I had to call BOA this morning and they said they already returned the check to me. I told them I wanted to come in with the documents, but they said they couldn't help me. My insurance agent said why didn't they have the decency to give me a courtesy call??? 
This isn't the first time BOA has handled my accounts with disregard and disrespect. 

I had to contact my Broker and send them the death certificate and they removed my Mom 's name. That does NOT excuse BOA 's behavior. I am a senior and I just suffered a terrible trauma. BOA is rude and condescending. They blame the customer for everything.

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