vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: TN

Complaint narrative:
I submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/2021 ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021, I visited the TD Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I asked for the first 6 months of statements after my account opening. The branch employee I spoke to did not disclose the {$140.00} research fee. 

Once I found out about the fee, I didn't know what it was, so I called the TD Bank Call Center and spoke to a supervisor. The supervisor informed me that there is no way to escalate the call and there is no department to forward the complaints to ( everything on the line was recorded ). The call center supervisor informed me that I have to visit the branch to have the fees removed, even after I told the supervisor that didn't feel comfortable visiting that branch due to prior past negative experiences ( actually she told me that she would call in me in two days, but I never received a phone call ). 

On XX/XX/XXXX, I visited the branch directly and told them my issue. The employee said that it was a fee assessed by Corporate and that it wasn't her job to fix, and I told the employee that it was her job to disclose the fee to which she did not respond. 

I also feel that because I am an immigrant struggling with XXXX as a Second Language, I am viewed as vulnerable or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name changed due to a divorce over 10 years ago ( and Ive legally had it changed back to my maiden name right after the divorce was finalized ). Equifax is the only credit bureau that doesnt seem to have anything correct on terms of anything in the past 10years. I have faxed, mailed and spoken to them so many times it is becoming emotionally exhausting. I have confirmation numbers and correspondence to show this. They need to get it together. HELP! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
The Company called me on XX/XX/XXXX after saying they received a debt from an old credit card. I subsequently asked for a verification of the debt and only received the settlement offer that the company had suggested. I did not receive the verification of the debt. 

The lady, I spoke to XXXX, subsequently told me that I would have to report the best and damage my credit unless I paid the debt. 

It was implicitly stated that my credit would be damaged unless I paid the debt in full and I did so. Not only did they take the money without sending me the verification but consequently went ahead and reported the debt damaging my credit. The balance reported did not show the payments made even though I did make a payment on XX/XX/XXXX. The balances did not reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
I closed on my loan in XXXX of XXXX. My impound account had {$6300.00} deposited into it. every month balance was increased by XXXX. When 1st installment of taxes was due I paid it out of my checking account. I did the same for the supplemental taxes. See attached. On XX/XX/XXXX Summit Funding had a total of {$14.00}, XXXX in my escrow account which included an overage for property taxes I had paid out of my checking account. I should have a reimbursement from Summit Funding for the taxes that I paid. Upon logging in this week the balance was now {$4000.00} I requested an escrow analysis they did it and said no refund was due to me. She submitted and escrow research ticket for the lost {$10000.00}. I am worried this company can not manage my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company " COMMONWEALTH FINANCIAL SYSTEMS, INC ( cfsi ) has violated several of my consumer rights. on XXXX i disputed a collection, they deleted the collection and they put it back on my credit report without notifying me in writing within 5 business days. Under the FCRA part ( A ) ( 5 ) ( B ) ( ii ) this is a violation- Consumer protection afforded by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Developers Mortgage Co.
State: TX

Complaint narrative:
Step 1 : What is the complaint about? This complaint is about a mortgage company that systematically delayed getting our mortgage approved in order to get more money out of me and my wife.

Step 2 : What type of problem are you having ( had )? A crooked mortgage company that was trying to fleece us for {$50000.00} in closing costs on a {$300000.00} home.

Step 3 : What happened? In XX/XX/2020, we hired the following company to assist us with a FHA loan : XXXX XXXX, Loan Originator, Developer 's Mortgage XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, TX XXXX, XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. This company intentionally delayed the approval of our mortgage in hopes of getting more money out of us at closing. Here 's what happened. I am a veteran, who when I first contacted this company wanted a VA loan, however, it was discovered that I could not do VA on this particular house so in XXXX we opted for a FHA loan. Now, prior to this the mortgage company was saying that to qualify with the lender better, it would behoove us to sell our we lived in, and that would reflect one less debt. After 8 weeks of delay after delay and being out of over {$12000.00} in hotel bills because they drug their feet on the approval, we fired them, hired another company that got it done is 3.5 weeks. When this company presented us with docs prior to closing the wanted {$30000.00} and they were the underwriter was asking for some of the same docs we had given them over and over again. We walked away from them, found another mortgage company who only wanted {$17000.00} at closing and was able to close us in 4 weeks. That {$30000.00} they wanted was 76 % higher than what the mortgage company we went with wanted.

When we saw such a huge difference in closing costs between the two companies and started thinking about how they had one delay in approving us after another, we began to wonder if they were trying to fleece us for additional money or if they were violating some kind of mortgage laws that we are unaware of. That is why we are contacting you because if they did it to us they have probably done it before, and I have the docs to prove it. And the way they delayed us was by asking for the same information over and over again. It was ridiculous! I've never seen anything like it and this is my 3rd home owning. Unbelievable!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TN

Complaint narrative:
On XXXX XX/XX/2021 I receive a Email from XXXX XXXX XXXX Consumer Resources Tennessee XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX XXXX XXXX. XXXX with XXXX XXXX Tennessee Department XXXX XXXX XXXX, they agree Due to the ongoing pandemic they will be happy to review removing the charge-off completely as a courtesy off my credit report I dispute this item a with Equifax & they will not remove off my credit file this was related to the job loss, pandemic and subsequent charge off reporting incorrectly. I receive emails from First south Vice President, Risk Management XXXX XXXX Ph. XXXX Fax XXXX with a letter to send to Equifax & they still will not remove this charge off my credit file. I'm not understanding why Equifax will not remove this item off my credit file i dispute this item before it went over 30 days & Equifax still wont remove after receiving the letter from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
During the course of attempting to refinance my home loan with a new lender I was advised that they needed a copy of the mortgage modification agreement so it could be reviewed by their under writers. I told them that this loan had never been modified and they advised me that it was listed as modified with all three credit bureaus. I confirmed this by reviewing my credit. I contacted my current lender on XX/XX/XXXX and advised them of the discrepancy. This loan has never been modified or altered from its original state. I have never been late or sought any type of mortgage relief. I was advised that they had purchased the loan and it was listed as being modified with the previous lender. I was advised that they would research the issue and correct the problem if they confirmed it was not modified. I have contacted my lender no less than 10 times by phone. I have been advised that a supervisor would contact me and they never have. I have been told that they confirmed the loan was never modified but they refuse to send me written confirmation that I can provide to complete a refinance. Each time I call I am told they will escalate the problem and contact me, but no one ever does. In the mean time I have lost my interest rate on my refinance and my home appraisal has expired. This is costing me literally thousands of dollars and no one seem to care.

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 2021-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account, & its multiple balances and balance updates reported on XXXX XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, The Consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 XXXXl Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2016 I wrote this letter in to equifax on XXXX and am waiting on a response upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 a fraudulent charge of XXXX dollar was withdrawn from an atm in XXXX XXXX when i was visiting my family in new jersey. Bank of america has open and then closed and now reopened my claim. They are saying it will take 45 days to get my money back. this is unacceptable.

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 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
I send the money to a friend in XXXX XXXX and the person gave me back the money but I'm from XXXX XXXX and apparently in Pay Pal you can't transfer money to my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, The Consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2016 I wrote this letter in to equifax on XXXX and am waiting on a response upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: LEXISNEXIS
State: WA

Complaint narrative:
Hi I requested a method of verification for a bankruptcy appearing on my credit report from LexisNexis via certified mail, it was confirmed that they received my letter on XX/XX/2021. According to their website they process this request within 15 days after the request is received. As of XX/XX/2021 I have not received any type of response from LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was trying to purchase a 2nd home or vacation home. In doing so I sought out a pre approval through Rocket Morgage / Quicken loans. I applied for a pre approval in XXXX of XXXX and received an approval and was informed that I was good with a score near XXXX. I then updated the approval on 3 additional occasions attempting to be prepared if we found the correct home. I was never advised that these additional credit pulls could adversely affect my credit by the lender. On the fourth pull I was informed that I now had XXXX combined credit score below the lending limits. I was informed that this was because I had 1 late payment and late payments from XXXX were impacting my score. When I reviewed my credit report they provided it clearly states that the number of hard inquiries has adversely effected my score. Thus putting me in a denial status not only for them as lenders but many other lenders as well. Ive now lost out on a chance to buy my second home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I had used my credit card ( barclay 's ) to purchase flight tickets for my parents to travel from XXXX to XXXX XXXX. After making a purchase, I had paid all my dues via bank transfer. 

Due to covid restriction the flight company XXXX XXXX XXXX ) refused to provide service. XXXX XXXX had no option but to cancel flights. XXXX XXXX  mentioned that because the flights are being canceled, the payment will be refunded. 

I did see that XXXX XXXX  had refunded. 

But now Barclay is refusing to pay me back. The customer representative over the phone states that XXXX XXXX has charged me back. At this point of time the customer representative with Barclay are trying to create a fraud. They have asked me to send a fax of XXXX XXXX XXXX emails. I have sent the fax as a proof that it was XXXX XXXX who canceled the flights. 

The second pictured attached here is proof of email that my father recieved because XXXX XXXX had canceled my parent 's flights. And first attachment is about cancelation confirmation. 

I seek assistance from your department. 

Thank you. 
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 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
My loan application was being processed for over 2 months, I've spent time and financial resources getting this application pre-approved and it was in underwriting according to the lender. I received an email with them informing me that " Existing mortgage loan reported in forbearance within the last 24 months. A full 24 months housing payment history is required to proceed. '' They knew from the start that the mortgage had been in forbearance for 8 months during the start of the pandemic because my wife lost her job. They had known this all along. Now they have all of our personal information and negatively affected our credit score with hard inquiries. I feel like I got cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CA

Complaint narrative:
There are 4 inquiries on my credit report showing up on all three bureaus that do not belong to me I have tried solving this with the bureaus as well as the furnishers but they will not help me I need to remove these from my credit account since they do not belong to me I have not authorized or know what these inquiries are for. 

XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXXP - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation