vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls XXXX   has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TX

Complaint narrative:
Experian has continued to report US Department of Education student loan accounts XXXX and XXXX Fed Loan XXXX as Derogatory since XX/XX/2020 in direct violation of US CARES ACT. These loans are currently under a CARES ACT forbearance. On XX/XX/2020, Congress passed, and the president signed into law, theCoronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, 2020. I have contacted the Department of Education and Experian several times and they assured me this reporting would cease during this time. I attempted to dispute with Experian as recently as XX/XX/2020 with Experian refusing to open the FCRA dispute. Experian is causing continued damage and irreparable harm to my credit rating during a very difficult time for me personally and our country having been affected by the natural disaster. 

On XXXX XXXX, 2020, the President directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, 2020.

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 2020-09-09 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.
State: TX

Complaint narrative:
XXXX has continued to report US Department of Education student loan accounts XXXX and XXXX Fed Loan XXXX as Derogatory since XX/XX/2020 in direct violation of US CARES ACT. These loans are currently under a CARES ACT forbearance. On XX/XX/2020, Congress passed, and the president signed into law, theCoronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, 2020. I have contacted the Department of Education and XXXX several times and they assured me this reporting would cease during this time. I attempted to dispute with XXXX as recently as XX/XX/2020 with XXXX refusing to open the FCRA dispute. XXXX   is causing continued damage and irreparable harm to my credit rating during a very difficult time for me personally and our country having been affected by the natural disaster. 

On XXXX XXXX, 2020, the President directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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.
State: MN

Complaint narrative:
XXXX XXXX continues reporting my account as delinquent and does not reflect that I paid the account in full on XX/XX/2020. They agreed to delete in exchange for full payment but it has been 90 days and they continue reporting as charged off every time I dispute it. They refuse to provide proof of this status and I provide a letter acknowledging that I paid the account but they still refuse to update. Im attaching a copy of the letter showing my account was paid in XXXX, and screenshots showing the before and after dispute status showing they refuse to update my account. I have also reported this to the XXXX, and the MN AGs office. I have disputed directly 4 times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: MN

Complaint narrative:
XXXX XXXX continues reporting my account as delinquent and does not reflect that I paid the account in full on XX/XX/2020. They agreed to delete in exchange for full payment but it has been 90 days and they continue reporting as charged off every time I dispute it. They refuse to provide proof of this status and I provide a letter acknowledging that I paid the account but they still refuse to update. Im attaching a copy of the letter showing my account was paid in XXXX, and screenshots showing the before and after dispute status showing they refuse to update my account. I have also reported this to the XXXX, and the MN AGs office. I have disputed directly 4 times with no success.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i paid the bill off in full and i contacted the credit card company to see if they can remove it from the credit and no one wants to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We paid our Citi credit card statement balance of {$16000.00}, via the internet, on XX/XX/2020. Citi withdrew the funds on XX/XX/2020 from our XXXX XXXX account. However, they have told us that the funds will not post to our Citi account until XX/XX/2020. 

Why are they allowed to " hold '' funds for 14 days?

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 2020-09-09 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: PNC Bank N.A.
State: IL

Complaint narrative:
Hello, I requested to have this account closed and brought the balance to XXXX  to allow the bank to close it. As requested, PNC did not close the account and cause it to accumulate {$25.00} fees for two months, then they decided to closed it and send it to collection. They never bother to call me about this. 

This affected my credit score. I am about to refinance my home this damaged my score. My credit score was over 800. 

I asked them to close the account in writing, through the messaging system. It's unacceptable they denied my request and allowed fees to accumulate. 

I want them to grant my previous request in writing, through the messaging system, to close the account, the request was done before the account collected any fees, then, they need to correct the derogatory remarks on my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09 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.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
hello sirs, I have a conventional mortgage that was taken out with XXXX XXXX, they sold it to other servicers, i never had any prior issues, as i pay my mortgage timely monthly and pay for years now my property taxes and insurance directly to the state and insurance company as is agreed upon in the mortgage documents, all of a sudden a new servicer took over the loan servicing, dovenmuehle mortgage loan servicing, and i was harassed immediately on them opening an excrow account to pay my taxes, i responded to them in writing telling them that i did not authorized any escrow account on my mortgage and that i would pay the taxes directly as i done for years, they did not respect my wishes and opened an escrow account paid the taxes with out my consent and are doubling my monthly mortgage payment to {$4600.00} dollars monthly from {$2300.00} and taxes are only {$490.00} dollars per month etc expenses and want to escrow over {$10000.00} dollars in escrow. this is all done to force me to default and loose my property in an unclean hands action against me.. where fore i need the CFPB to investigate this matter and take actions against this mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
the credit card was paid and closed. they agreed to delete the account from all 3 credit bureaus but it is now stating charge off/paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I contacted GM Finance in regards a debt that should not be pending. Their response is it didn't go through to be removed from your credit report. We will contact our department to get it removed and I should receive documents in the mail. However its been pending for a few years and is actually showing debt being paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 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: NY

Complaint narrative:
ON XX/XX/2020 I PAYED OFF MY AUTO LOAN AS AGREED THIS WAS A 72 MOUTH AUTO LOAN AND I HAVE CALLED TRANSUNION CREDIT BUREAU AND ASKED WHY HAS MY CREDIT SCORE DECREASED FROM XXXX TO XXXX THAT IS XXXX POINTS AND THIS WAS DONE BECAUSE I HAVE PAID IN FULL AS AGREE MY LAST PAYMENT FOR THIS ACCOUNT WAS ON XX/XX/2020 NEVER HAD A PROBLEM WITH THE CREDITOR ALL PAYMENTS HAVE BEEN ON TIME, NEVER LATE FOR SOME REASON I AM BEING PENALIZED FOR PAYING AS AGREE THIS IS VERY UNFAIR I SHOULD HAVE HAD AN INCREASE AND NOT A DECREASE PAYING OFF ANY LOAN SHOULD ALWAYS BE A POSITIVE ON MY CREDIT SCORE AND NOT A NEGATIVE CREDIT SCORE

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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Hello, I paid off my mortgage to Dovenmuehle on XX/XX/2020. I have {$210.00} on my escrow account that must be sent back to me. As of today, XX/XX/2020, Dovenmuehle hasn't sent me my money back. It has been 40 days since the payoff date Dovenmuehle is not helping its customers. There is no customer service. When I call the customer service line, there is an average of 45 min wait time until I speak with someone. Sometimes, they hang up on me. When I explain the situation, they will open a case with their research department and send a mail to notify me. However, they won't send the money back. 

I came across similar posts from other account holders. It is obvious that Dovenmuehle is keeping escrow balances that are due to customers as long as possible. Sometimes, I probably never pay. 

PS : Attached document shows a response to my earlier complaint I had with Dovenmuehle. In this document, you can see the following Dovenmuehle statement in the last paragraph : " There is an escrow balance of {$210.00}. Our procedure for disbursing escrow funds from a borrower 's account after payment in full is to wait fifteen days from the payoff date to ensure the payoff funds have cleared. Your payoff date was XX/XX/2020. As such, we will disburse your remaining escrow funds directly to you in the form of a check through USPS mail. This check will be sent to the mailing address on file at the time of payoff. '' There is no excuse that this check hasn't been sent yet. Please investigate other Dovenmuehle accounts. You will see that they keep escrow money much longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank charged almost {$400.00} in overdraft fees in a period of 3-4 days, then kept a {$420.00} child support payment from the state of Texas office of the attorney general. Bank of America agreed in a class action settlement not to charge any overdraft fees, and this is exorbitant and unfair.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: TN

Complaint narrative:
In XXXX, was working for XXXX XXXX XXXX XXXX XXXX XXXX through a temp agency called XXXX XXXX ; and I was injured while working. I used my insurance, from XXXX, to be seen by a doctor at the hospital I was working at. 

I was wrongfully charged for it. 

I disputed it. It came off my credit report. Easy peasy, right? 

Well, they sold the debt and this new agency put it back on my credit report in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I ordered an XXXX online on XX/XX/XXXX. I used PayPal with confidence under their buyer protection promise. I was billed and then paid {$240.00}. No shipping information was provided. I filed a dispute on XX/XX/XXXX. A tracking number was provided by merchant. The item arrived not as described. A worthless phone case. I filed a claim and provided picture evidence. PayPal has been unhelpful and unresponsive in helping settle this case. I have been delayed and asked to file an internet crimes report twice. Which I have done. Still PayPal will not answer or provide me with information about the merchant or their buyer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
Applied for a 30-year refinance from Better Mortgage in early XXXX at a quoted rate of 2.75 %. With a XXXX score of over XXXX, I provided all documentation requested, nearly everything within 72 hours of application. After receiving the initial GFE for closing costs and escrow, I received several significantly higher GFE " updates '' with bogus property tax figures, which I had to correct. My credit card was charged {$550.00} for an appraisal which has not occurred and which I have been told is not necessary and was to be waived but I have not received a requested refund to my credit card. Was asked by Better Mortgage to provide documentation which I had already provided and was subjected to long periods ( > week ) where I did not receive replies to my emails asking for the status of my loan application. It is now two months after the initial application, the rate lock has expired, and I am being told the company is waiting for " 3rd party '' documents before submitting the loan package to underwriting. In the meantime, Better Mortgage 's advertised rate on the same loan product has fallen to 2.5 % and I have requested that due to excessive delays entirely the result of their own service failures, I want the rate of 2.5 % currently being advertised by Better Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2020 all my accounts held with navy federal credit union were frozen without warning or notification after a deposit of {$5000.00} and {$1000.00} was made to my account by another navy federal member. I contacted NFCU after my card was declined at the drive-thru on XX/XX/XXXX. I was told that the department that could assist me in recovering my accounts was not going to be able to assist me until after XXXX XXXX weekend. My 8 month pregnant wife and I are left figure out how to make it through the weekend with absolutely no funds. With no other options we hunker down for the weekend. First thing on the following tuesday XX/XX/XXXX I reach out again to recover my account. I am given instructions on what to do to recover my accounts. I do so and await a response. It is now XX/XX/XXXX, day 5 with no funds, and i reach out again after receiving no response for over 48 hours. I am told no emails have been recieved and am asked to attempt again. The emails were sent to the very same email address as before no typo was made in either attempt. The department finally receives what they need and now I am told that they need ANOTHER 24-48 hours to review despite my situation. My wife and I have been left in the worst imaginable situation. The lack of services available to recover access to my funds seems unlawful! There are still another 48 hours that we are forced figure out how to get through our day-to-day without access to our accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
I refinanced my primary residence with Guaranteed Rate and closed on the property on XX/XX/XXXX. An escrow account was set up to be used to pay homeowners insurance, flood insurance and property taxes. 

I received the final property tax bill from my town for Q3 and Q4 XXXX and Q1 and Q2 XXXX. I called Guaranteed Rate and was instructed to send that information to their custserv email, which I did the same day, requesting that my Q3 property taxes due be paid when they were due on XX/XX/XXXX. I received a computer-generated reply that the request was received and would be addressed. 

I found out via the town that my taxes were never paid. I paid them out of my own funds on XX/XX/XXXX when I realized this. I again contacted Guaranteed Rate by both phone and email on that day. Again, I received the automated response but nothing further via email. The person I spoke with saw that a ticket was set up on XX/XX/XXXX but was not completed " due to COVID delays ''. 

Since then I have contacted Guaranteed Rate on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX to no avail. The property tax information that they have in my escrow account is still incorrect, and I have not received a refund for the property tax payment I made ( {$3300.00} ) over 3 weeks ago. I was told today that they would push through an escrow analysis ( which is the same thing I was told last week ) and that I would receive a summary in writing in 5 business days. 

My next property tax payment is due XX/XX/XXXX and Guaranteed Rate 's records show that the next payment isn't until XXXX so I have no assurance that I won't also need to pay that directly out of pocket. In the meantime, I have over {$8200.00} in my escrow account, which will increase to over {$10000.00} when I make my payment before the end of this month. 

I should also note that the annual homeowners and flood insurance isn't due until XXXX and XXXX next year, XXXX. So accordingly, they have overcollected and not dispursed any funds.

Company response to consumer: Closed with explanation