vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was given a forbearance by XXXX  in 2020. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XXXX has reported me TWICE as being delinquent and my credit score has dropped XXXX points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XXXX and they completely admitted being in the wrong and said that they would make it right. But then in XXXX it happened again. Once again I called XXXX  and was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XXXX which did not happen. Please help!

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 2021-08-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand to see Verifiable Proof from XXXX, XXXX  and Equifax ( an original Consumer Contract with my signature on it ) and have a file of the accounts listed below. The failure to positively verify these accounts, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. I demand the following accounts be verified or removed immediately. Please add a Promotional Suppression to my credit file. Which, nothing was sent or handled. In addition, investigation always exceeds the 30 day window. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX Card XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mother became terminal in XXXX and I tried to dispute flight tickets for over {$1500.00} with cheap o air. I then disputed it with chase bank and was issued a temporary refund. They then after. Week or two retracted the money back and stated they can not do anything for me.. I supplied them with death cert and all supporting documentation to prove all steps and they still refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I had two checks deposited into my Capital One bank account that were the same amount of {$540.00} that I did not do. Then on XXXX XXXX I had another check deposited into my account with the amount of {$1200.00} that I did not do as well. When I disputed those transactions with Capital One on XXXX XXXX after checking my account I was placed on hold by an employee at Capital One named XXXX who made multiple threats about locking my account for other reasons that I did not call in about. I asked to speak to a Capital One Manager named XXXX and he placed me on hold for about 5-10 minutes. XXXX informed me that my account would be restricted until they completed an investigation for a PPP loan I received on XXXX XXXX and the amount of my loan would make my account negative. I let XXXX know that the checks that I was disputing were why I was calling in and that me disputing something going on with my account and now having something completely different now affect my account was not okay since I was not calling in for that. I received an email shortly after to send documents in regards to the PPP loan and also informed them multiple times through email and phone calls that I never stated that I owned a business and that I was a XXXX employee. My account has been negative $ XXXX for over almost three weeks and almost going on a month. I have had multiple bills that have been reversed and not paid because of Capital One locking my account or restricting all access to my account/funds. I have received zero information in regards to my original dispute which were three checks being deposited into my account, it has been 16 days since my dispute and there has been no resolution and those checks are still showing up in my account. They have not sent me a new debit card as well either. I made multiple attempts online to request a new card as well as calling multiple times and I have been told one is being mailed to you but I have not received one. Every single time I try and contact Capital One for an update and when I let them know this has gone weeks without an answer I am told the same thing which is we do not have an update for you and this can take as long as it wants there is no deadline or timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I received a collections letter from Weltman Weinberg & Reis CO LPA for the amount of {$6300.00}. I realized this is the office of an attorney and per the Fair Debt Collections Practices Act, 15 U.S.C. 1692e ( 3 ) a debt collector can't give the false presentation or implication that they are an attorney. The letter states " an attorney '' did not take part in the collections attempt but when I reviewed the secretary of state ( Ohio ) website, the company is registered as an attorney. There is no way to confirm if an attorney wrote the communication or not. I sent a letter dated XX/XX/2021 and the office received my letter on XX/XX/2021 as confirmed by certified mail USPS. The law office has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Filed a dispute regarding incorrect balance and payment history with reporting agencies equifax and XXXX. XXXX responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
I had a second mortgage home equity line of credit with SouthState Bank. My first mortgage loan was foreclosed. I was never materially delinquent with South State. When SouthState got notice of the foreclosure hearing they accelerated my loan, still not delinquent. The loan balance was an amount that could easily have been converted to an unsecured loan, but they wouldn't consider it. SouthState charged off my loan. This activity is from XXXX through early XXXX. In early XXXX SouthState 's recovery department called me and we worked out an arrangement. I paid a third of the loan balance ( {$54000.00} ) in an {$18000.00} lump sum, I'm paying a third in installments, and once I finish paying {$18000.00} in installments SouthState is under contract to cancel the last third. Even though I am timely paying the required installments, SouthState reports me as very past due on the loan. I don't see how they can report me past due when I was never seriously delinquent on the original loan, they got nervous and accelerated the loan when I was willing to keep on making regular payments, and I am fully performing the terms of the arrangement with the charge off department. I don't see how they can even call the loan part of their regular reporting portfolio when it's been charged odff. NOTE : this complaint is actually two complains. The original loan was joint credit with my husband, and SouthState reports him delinquent too.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I have been in contact with Professional Finance Company since XX/XX/2021 as of late I have sent documents on XXXX in regards to this fictitious debt they placed on my consumer report. They had no write to place any false misleading unverified accounts on my consumer report.. I am a federally protected natural person and consumer and they have breach my consumer rights. Pursuant U.S. Code 1681n and all of its subsections. They owe me compensation granted to me by federal law. Please make not this is my final attempt to settle this mater outside of a federal courthouse. I have attached all documents and an invoice for payment request. The FDCPA allows me compensation for their willful damage and knowing noncompliance of these laws. Their act of piracy and act to damage my consumer report for monetary gains will not be tolerated. I am invoking my specified remedy as a consumer and I expect to receive my just due via federal law. Simply removing this account does not remove their liability and it also doesnt change the gaming affects this false reporting has so to much consumer report. They have caused me monetary damages and also caused me to be denied for further credit opportunities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
I am writing this letter to bring to your attention a very unpleasant recent experience I had with Flagstar Bank refinance operations. I have been a consumer of Flagstar Bank since XXXX. I recently closed on a very lengthy and unpleasant loan experience with Flagstar Bank. It was the WORST loan experience I have ever experienced and given the circumstances I would never ever again do business with Flagstar Bank.

I fully understand the whole world is dealing with a global pandemic, and I sympathize with professionals working from home while managing personal and work life ; however, unfortunately for me, Flagstar Bank staff were very unprofessional, unethical, irresponsible and discriminated against me for being XXXX while processing my loan. It took 8 months for my loan to be approved and closed ( XXXX ) when I was promised on XX/XX/XXXX that a refinance process would only take " 60 days ''. During the 8 months, I made multiple attempts to communicate with different Departments to no avail. I even made attempts to supervisors and management also to no avail. No supervisor and or manager bothered to return my calls and or emails. 

As a XXXX consumer, I felt discriminated against by Flagstar Bank staff. I am convinced that had I been a XXXX  consumer I would not have experienced the disrespect of unanswered emails, answered phone calls, and bouncing around to various different loan processors and Departments when I persistently called.

How can my complaint be satisfactorily addressed?

Flagstar Bank should review its policy about promises made during the initial disclosure and have a firm policy about their staff returning phone calls and emails/mails to their consumers including management.

Flagstar Bank should also be investigated for loan practices of XXXX  consumers versus people of XXXX. I felt my loan experience was unpleasant because of my race being 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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian credit bureau didn't go to the furnisher of my chapter XXXX bankruptcy but instead they used a third party company like XXXX  or XXXX the original furnisher is the court house they didn't verify this with the court because I contacted the court house and they said they don't report to any credit bureau so why is this on my credit please remove this immediately

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 2021-08-24 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: PA

Complaint narrative:
On XX/XX/20 XXXX XXXX XXXX placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

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 2021-08-24 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: MAJR Financial Corp
State: PA

Complaint narrative:
On XX/XX/20 Majr Financial Corp.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I submitted documentation to Equifax along with a signed affidavit explaining the inquiries on my report are fraudulent as I have been a victim of identity fraud. Equifax did not investigate properly and did not remove the inquiries. They sent me a letter stated they were verified. This would not be factual and is a violation of my rights to have inquiries investigated and removed from my report due to fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARMEL FINANCIAL CORPORATION, INC.
State: GA

Complaint narrative:
I don't know who owns my debt. It is either XXXX XXXX or Carmel Financial Corp. 

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX Carmel Financial Corp : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IA

Complaint narrative:
Contacted HPFC numerous times regarding tax bill disbursement. HPFC provided an auto generated reply stating the bill would be paid but for a different amount and with a past date. The bill was higher than what was anticipated to bill due to an error with the XXXX county assessor. I informed HPFC of this and made a payment to the escrow account for the shortage. My bill was increased by XXXX with no insights or documentation for the increase. Prior amount was XXXX and bill now shows XXXX. This conflicts with my statement and HPFC can not provide an insight as to the difference. The asesor has also fixed the issue to document my taxes now being due in the amount of {$1000.00} which is less than HPFC estimated amount of {$1500.00}. This should lower my total monthly payment. Ive contacted HPFC numerous times to resolve and no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Applied for COVID 19 forbearance on mortgage. Signed the promissory note on XX/XX/2021. FHA Partial Claim is dated for XX/XX/2021. Claim request from loan servicer ( Idaho Housing And Finance ) was submitted to XXXX XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX received the signed documents from notary on XX/XX/2021 with XXXX  tracking number confirmation. 

We are selling our home and title company was not able to get loan payoff. 

XX/XX/2021 : called XXXX XXXX XXXX and they stated the loan servicer has not submitted claim request. 

XX/XX/2021 : on the phone from XXXX CT. Called loan servicer, claimed they can not give payoff due to funds from HUD/FHA have not been received for COVID 19 forbearance. State they have submitted claim to XXXX on XX/XX/2021. Called XXXX  back, state they dont have record, so they can not give payoff for COVID-19 forbearance. Called servicer, they state the title company has not recorded the signed documents, so they can not process a payoff. I stated we can pay out of pocket for the loan amount but they will not allow it because the paperwork has not been processed. 

XX/XX/XXXX : Submitted formal request for payoff to both XXXX XXXX XXXX and Idaho Housing and Finance. I received an email back saying they are unable to process the request due to the loan servicer not submitting a claim request XXXX the claim request was submitted XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Ad Astra Recovery Services , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CARMEL FINANCIAL CORPORATION, INC.
State: PA

Complaint narrative:
On XX/XX/2020 Carmel Finan .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation