vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 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: CO

Complaint narrative:
Today, Im filing 2 separate complaints regarding Equifaxs continued violations of my rights under the FCRA. Following is my first complaint : On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX shows that my letter was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Equifax regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Equifax provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Equifax has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Equifax received my Affidavit on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
After attempting to obtain a bank account for my business. I learned that XXXX has an open account from Bank of America. The account stated that I owe {$2500.00}. Then filed a Identity theft report with the FTC and a Identity theft affidavit with XXXX. After I sent in this information to both Bank of America and XXXX, I received a letter from XXXX. The letter says that the report is disputed by Consumers and Verified Accurate by the Financial Institution. The validation that was sent that the XXXX  have on their records is a document showing that I originally opened the account. It does not show that I did fraudulent activity of {$2500.00}.

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 2020-04-13 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/20 I sent a certified letter for a account on my report that didnt belong to me. I also asked for original documentation to be sent to me binding me to this debt. On XX/XX/20 I sent another letter asking for my signatures and original documentation I have not got any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was 2 months behind on payments and SunTrust would not take partial payments to get caught up along with trying to do a modification they wouldn't assist me on my sole person and I was told several times I needed my ex wife 's information even though I have supplied the divorce papers along with the quit claim. The only assistance I have received from them is calling several times a week and finally saying something about Corona virus to then be allowed to make partial payments to them.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was trying to make inquiries with the provided Chase Customer Service number after two weeks of card not being received on time. I tried to find out status and location of card. I put this call on speaker with my mother because I was unfamiliar with this bank and the steps need to replace my card that had never been recieved. After getting a representative on the phone he proceed to ask probing information that had never been give to Chase bank. He then said for security measure he needed to verify my phone number and attemt to text my phone. That text supposedly would not go threw nor any calls to my phone. He then state he was going to get a senior investigator to help with the security questions while he stayed on the line. The next person ( a Mr XXXX ) said he'd help with security questions ; then he asked me data sensitive questions that once again had nothing to do with the card or information I had give to chase to start the card. Questions on what other types of credit lines did I have. What was my mother 's maiden name and my employer also information I had not previously provided. When my mother began raising questions about the data hes was asking for he then got defensive and said he was fraud security and proceeded to act even more agitated. Im worried that he was collecting formation for fraud and my answers may be used to create a fraudulent account or hack my information. Or that this may be unsolicited data collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The idea of FORBEARANCE for mortgage holder is OUTRAGEOUS during this pandemic! While they might let you put our payments on hold temporarily, they don't give you any breaks whatsoever and it's so incredibly difficult when we have no income coming in for weeks and months to suddenly have to pay back 3 to 6 months of mortgage payments in FULL!! 

Mr Cooper says : " At the end of your forbearance period, all payments not made during the forbearance period will have to be paid back. We realize this will probably be a big financial burden. '' This also happened to us during Hurricane IRMA. They made us pay back every penny at the end of the 3 months - this is SO HARD for families!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We recently closed on a $ XXXX HELOC with Bank of America in XX/XX/2020. Our credit terms include the promotional introductory discounted interest rate prime minus 1.51 %. We drew some funds from this line on XX/XX/XXXX {$98000.00} and {$2500.00} and XX/XX/XXXX {$50000.00}. The first billing cycle statement XX/XX/2020-XX/XX/2020 had the wrong interest rate and minimum payment terms -did not align with our loan document terms. We brought it to their attention via the online messaging center as well as via phone to the loan representative who sold us the line of credit. That is also after getting bounced around then was disconnected on their " help '' line. During that time we were advised to pay that higher " incorrect '' minimum amount and that later when they get to it, will make it right. There was plenty of back and forth of days after that it will get corrected and we have texts and phone records to show. Several weeks later via phone conversation and many hours wasted by both myself, and XXXX ( internally ) they verbally fixed it and the next statement will reflect the correct finance terms. I told them to apply the excess in that payment to the principal. The latest statement XX/XX/2020-XX/XX/2020 shows the wrong rate again and a higher minimum balance due. Backing into the math, it is nothing representative of the prime minus 1.51 %. On XX/XX/XXXX, I reached out to XXXX and told him it still hasn't been fixed by their HELOC department. I never heard back from him. On XX/XX/XXXX I submitted another inquiry to the online messaging center. I am forced to wait up to 5 days again to get any response. I also informed XXXX on XX/XX/XXXX via text that we have run out of patience and will be filing a complaint to the CFPB. XXXX seems to be trying from his end but internally runs into the same barriers as we do. 
We have experienced great HELOC relationships with other banks in the past, but this time around at BofA we have been treated so poorly.

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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
NewRez took over servicing from XXXX. 

When I call NewRez at their loan servicing toll free number the call center IVR states that call will be recorded as my call to them is related to a debt collection. When I reach an agent they state that the call will be recorded as it is in regards to a debt collection. 

Since my loan is not in default stating that the call is being recorded as it relates to an effort to collect a debt is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Good afternoon. My mortgage was sold from XXXX to Loancare. I received an email from Loancare advising everything will stay relevant same reference my auto draft biweekly payments. Ive been doing this for the past 7 and a half years without any incident. I get paid every other Friday and when I get paid half the mortgage gets taken out of my bank account automatically. Well Loancare took it upon themselves to take the first biweekly  payment on XX/XX/2020, which is a Wednesday. Than the next biweekly payment on XX/XX/2020 which is not the week I get paid. And again on XX/XX/2020 which is not the week I get paid. This caused my bank to charge me overdraft fees because they drafted On the wrong dates. In the middle of this I spoke to several employees in their customer service department. They ensured me it was corrected and it would start drafting on XX/XX/2020. Of course it was not. Than I called again and they said it was fixed and would start drafting on XX/XX/2020. Today XX/XX/XXXX I received a phone call stating they can not fix the problem and the dates to be drafted will continue to be the opposite weeks I get paid. I have all bank statements for several years proving my point. This has put great stress on my family and myself not knowing if or when they will draft a payment. I feel like they are gambling with my money and refuse to help me. I am not asking to stop payments. Im asking to put me on the correct auto draft schedule.

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 2020-04-13 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: CO

Complaint narrative:
This is the second of 2 complaints Im filing against Equifax today regarding Equifaxs continued violations of my rights under the FCRA. On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX  shows that my mailing was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 2 of 2 was a Factual Dispute Letter regarding their reporting of accounts for XXXX XXXX, XXXX, and XXXX XXXX XXXX on my credit report ( please see attachments ). The 30-day time frame given for Equifax to investigate my factual disputes passed on XX/XX/2020. At XXXX XXXX today ( XXXX ), I called Equifax inquiring about the status of my factual disputes. After a long hold, I spoke with their representative named XXXX. While XXXX acknowledged receiving Enclosure 1 of 2, she told me they did not receive the factual disputes listed in Enclosure 2 of 2. XXXX offered to start a dispute for me via the phone. I adamantly refused! When I asked to be transferred to a supervisor, she put me on hold and then disconnected the call! I have proof Equifax received my mailing with 2 letters enclosed and have no intention of waiting an additional 30 days for them to respond to my request. Equifax is once again in violation of the FCRA. I believe Equifaxs goal is to intentionally cause me further harm by refusing to acknowledge and process my factual dispute and I demand they immediately delete all references to XXXX XXXX, XXXX, and XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
With current VA IRRRL interest rates very low, I have tried to refinance my current VA IRRRL at 3.50 % interest, the note for which is held by M & T Bank servicing the loan on behalf of XXXX XXXX XXXX , XXXX. For two consecutive months ( XX/XX/XXXX and XX/XX/XXXX ) extra fees have been posted to my loan payment statement for information sought by those potential lenders in regard to the " payoff amount. '' These fees are nowhere spelled out anywhere in my VA IRRRL documents ( completed in XX/XX/2014 ) as necessary to having the loan paid completely. A careful bit of analysis would seem to indicate this is a form of " ballooning '' the amount of the loan to the benefit of the servicing entity, here, M & T Bank. If they are allowed to continue to do this to all Veterans for whom they provide " loan servicing, '' this will amount to hundreds of thousands, perhaps millions, of dollars taken from Veterans who are on a single income - their VA compensation. I, personally, am not in fear of foreclosure as I have stopped the entire process of seeking a new VA IRRRL as the process had become far more complicated than I was initially told when contacted by these lenders ( there were 3 ). These " fees '' are not huge in terms of my loan, but I question by what authority does M & T Bank believe it has the right to raise the cost of my mortgage to me except through legally required notifications of a prospective change to the loan amount, i.e., I have an escrow account ; therefore, an increase in either or both property taxes and home owner 's insurance would be something which the servicing entity is required to inform me. I have carefully read my existing loan documents and can find no reference to additions to my loan balance either through " fees '' in order to provide information or then consequent increase in my mortgage balance.

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 2020-04-13 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am in the process of attempting to purchase a house, when credit was pulled XX/XX/XXXX it shows an outstanding account with a balance with Regional Acceptance for {$8800.00}. Upon discussion with my mortgage officer and receiving the a 1099-C Cancellation of Debt for XXXX, that was claimed on XXXX taxes, to call the company directly. 
At first i called Branch Banking & Trust because the way the 1099-C is written is " Branch Banking And Trust Company Regional Acceptance Corporation '' My phone call today were as follows : XX/XX/XXXX - XXXX unable to get to an agent XX/XX/XXXX - XXXX reached agent advised i was with the wrong department. She transferred me to XXXX. The department was too busy asked me to leave a message. left message. 
XX/XX/XXXX - XXXX Spoke with XXXX advised the balance was still owed on the account. I advised that i received a cancellation of debt letter 1099-C. she advised just states you are not responsible and we will no go after you. i ask why is this out stating then? she responding because you still owe the money i advised again then why did i receive this 1099-C to claim as added income to my taxes? She said she didn't know that is different department. i then asked which department it was she said " they only sent those out '' i asked how to resolve this because i received 1099-C she advised since the debt is still owed i can can settle it will show paid on the credit report then. I then asked " you want me to pay on a debt that is cancelled? she responded the money is still owed but it is up to you if you want to pay it or not it still stays on your credit. you can clear it up by settling the account. I asked for what would be the settlement amount she advised XXXX i asked " So if I paid this then I would get another 1099-C which doesn't make sense because i am claiming is income twice. '' She responded " you would have to talk to a tax professional, and those form are sent out by a different department. '' i asked which department to talk to she advised that they just send out the form and to talk to a tax professional '' i again advised i did and they advised me to claim it on my XXXX taxes. There was no resolution to call she kept trying to collect on a canceled debt so i ended the call. 
XX/XX/XXXX - XXXX spoke with an agent after explaining the situation said hold on one second and then transferred me to a fax machine. 
XX/XX/XXXX XXXX attempted to call back advised hold time was 25 min. disconnected call

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 2020-04-13 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: CA

Complaint narrative:
I just discovered accounts appearing on my credit report that are not mine.

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 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I returned a purchased item to XXXX. I payed all but the returned amount. They contacted me the week of XX/XX/2020. I told them to please look into why my account still had not been credited for the return. The woman said she would look into it. 
The week of XX/XX/2020, they repeatedly called my XXXX year old father-in-law ( who still has a landline with a published number ). They have my contact information and have spoken with me. There is no need to continually phone a family member. They should be contacting me directly. In my research, I have found this is not legal for them to do.

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 2020-04-13 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:
On XX/XX/2020, I called XXXX XXXX  to have 4 fraudulent hard inquiries removed from my credit report. XXXX XXXX  confirmed the inquiries were fraudulent and said they would submit a request to Equifax to have them removed, which would take 30 to 60 days. 

On XX/XX/2020, a 5th fraudulent hard inquiry had been added. I called XXXX XXXX to get the 5th one removed. The person at XXXX XXXX  said they would not disturb the first request for the first 4 inquiries, but would add an additional request for the 5th one to be investigated and removed later. 

On XX/XX/2020, I called Equifax to ask why they had not removed the the 4 fraudulent hard inquiries on my report that XXXX XXXX  had reported to them. Equifax told me they have not received anything from XXXX and that I have to contact XXXX. Since Equifax had been telling me XXXX has to fix the error and XXXX told me multiple times in 2020 that they had sent off the request to Equifax, I wanted Equifax to allow some form of communication between all three parties to get this error sorted. Equifax had already put me on hold for a combined total of 1.5 hours this evening, but then put me on hold again when I asked to speak to a manager, where after being on hold for 15 more  minutes, Equifax hung up on me. 

I believe Equifax is not interested in fixing my problem and just wants the customer to give up and hang up so they don't have to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just discovered accounts appearing on my credit report that are not mine.

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just discovered accounts appearing on my credit report that are not mine.

Company response to consumer: Closed with explanation