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

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
CFPB, This complaint is about Private Mortgage Insurance removal. In XX/XX/2020, I request Caliber Homes Loans to start the process to remove my PMI based on home value, Caliber indicated that I need an appraisal to know my home value. The appraisal was complete and deliver to Caliber on XX/XX/2020. In XXXX I was advised that I was given the wrong information by the teller and that I need to submit a BPO. The BPO has been completed and deliver. Both the BPO and appraisal show that my home value has going up and that I am eligible for PMI removal, however, Caliber has not made a decision on the matter. I feel that because of the months with the PMI and payments of appraisal and BPO I have lost thousands of dollars due to Caliber irresponsibility. Please contact me for more details. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
I currently have a mortgage for my co-op apartment in XXXX XXXX XXXX with Guaranteed Rate. My difficulty comes in trying to sell the apartment. 

When we close on purchase of this apartment Guaranteed Rate took possession of the original stock certificate and lease document. This is standard practice for lenders who provide financing for co-ops. 

Now I'm in the process of selling the apartment. Every step of the process of selling is complete - I have a contract and the buyer is clear-to-close from their lender, however, the closing is being held up on delivery of the stock and lease. 

The payoff attorney that Guaranteed Rate is using for this deal is the same payoff attorney my previous bank ( XXXX XXXX ) used for the sale of a previous co-op apartment that I owned. This payoff attorney is well respected and on top of sales like this. They submitted the request to Guaranteed Rate to provide the stock and lease documents on XX/XX/XXXX. 

The bank responded that it would take " about 4-6 weeks ''. This is already a long timeframe to work with - XXXX XXXX returned the documents for my previous sale much faster. I waited patiently and 6 weeks has come and gone. 

As of today it has been 8 weeks and 2 days since the original request. As I understand banks are under no obligation to return the documents in a timely manner - theres no stated deadline they have to abide by? It seems unconscionable that they can delay the sale by not acting quickly to return the documents. 

This delay is causing real and potential damage. The longer this delay persists the greater risk the deal is put in. I have until the end of XXXX until the contract expires, but even up until that point there is always the chance for an unlikely event to cause the entire deal to collapse. 

The real damage Im incurring is the cost of the loan Im still required to pay until the sale is closed. Every day I pay {$48.00} in interest to the bank, and {$51.00} to carry the maintenance and utilities for the apartment. 

As of the day of this complaint ( XX/XX/XXXX ) Ive paid {$1900.00} of non-principle carrying costs due entirely to Guaranteed Rates failure to return the documents needed to close on this apartment. {$920.00} of which has directly enriched Guaranteed Rate in the form of interest on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
ON XX/XX/XXXX I WROTE A LETTER TO PROGRESSIVE CAINE & WEINER, XXXX, XXXX AND XXXX. THAT WHEN I HAD PROGRESSIVE WE HAD JUST ENTERED A WORLD WIDE PANDEMIC AND I NEEDED TIME TO PAY. UNFORTUNELTY I HAD LOST MY JOB AND WAS GOING THROUGH HARDSHIPS IN MY FINANCES. THEY HAVE NOT RESPONDED TO ME IN ANY WAY. 

ACCNT # : XXXX DATE OF INQUIRY : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Affirm Holdings, Inc
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Evergreen Recovery Solutions, LLC
State: TN

Complaint narrative:
ENHANCED RECOVERY CREDIT COLLECTIONS DATES XXXX - XXXX THEY WILL'NT STOP REPORTING WRONG INFORMATION TO THE CREDIT BUREAU ( XXXX ) I HAVE Asked THEM TO STOP. 
DEBT OWE IS XXXX I HAVE PAID THE ORIGINAL CREDITOR XXXX AND I HAVE PROOF. I ASK THEM TO STOP CALLING ME AND REMOVE THIS FROM MY ACCOUNT. THEY WILL NOT STOP AND I KEEP DISPUTING THIS WITH XXXX AND THEY're SAYING THE COMPANY HAS SAID THAT INFORMATION IS CORRECT AND THEY Won't REMOVE THIS ITEM. 
I HAVE DISPUTE THIS SEVERAL TIMES. PLEASE HELP ME. THEY ARE VIOLATE MY FAIR CREDIT REPORTING RIGHTS.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I currently have credit cards with XXXX XXXX and suntrust and due to the pandemic I had been having financial issues and as a result I have enrolled in a debt relief program to handle all of my debt called National debt relief. Suntrust was made aware of this over several months ago. Since being made aware, Suntrust bank revoked card privileges over 6 months ago. The problem I am having still is that this card is delinquent over 190 days and they still have card open and charging open interest fees/ late fees instead of charging off the card. XXXX XXXX went delinquent same time as Suntrust and cards are now charged off. I have called Suntrust credit card department several times about this issue and they are not giving a definite date as to when this card will be actually charged off. 

Why isnt the credit card account number fully displayed on actual statement??

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Received an annual credit report for myself and my husband from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, Order number XXXX. Order dated XX/XX/2021, phone number XXXX. When I contact this number they say this is an annual credit report that is free to me annually. I have NEVER given XXXX any information or the ok to run my credit and they hang up on you once they tell you that. It is not right that they are able to run my reports. It says it is a soft him. I have worked in the Insurance business for 20 years. A soft hit does NOT send you your annual credit report. I am furious that they have taken my information WITHOUT MINE OR MY HUSBAND 'S approval.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CITIBANK, N.A.
State: RI

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 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
Follow-up from complaint XXXX. 

Blackhawk Network did not provide a reply that is consistent with the issue raised. More importantly, Blackhawk Network stated that as a one-time courtesy they would be helping me. This is absurd. There is no courtesy involved - I need access to the funds, but the card is not being activated despite all the information being correct.

Blackhawk Network, through its agent is lying to CFPB.

The main reason for this new complaint is that Blackhawk Network, in their reply on XX/XX/2021, stated : The consumer will receive the {$50.00} XXXX Prepaid Card within 15 business days..

15 business days have now passed, and I have not received the card, and I confirmed it has not even been processed yet ( tracking XXXX ). 

This is a serious issue, a financial fraud, so this complaint is also being sent to Attorney General. 

Blackhawk Network license to operate must be revoked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05 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:
On my XXXX and Experian credit report, XXXX ( Account Number : XXXX ) is reporting an incorrect account status as Repossession and reporting a late payment every month. The accurate account status is Charged Off. I requested that this account be updated and the credit bureaus said that the creditor verified this account and it will remain as is. They have now verified it six times. XXXX is deliberately reporting outdated information to intentionally degrade my credit score. The latest status is a charge off and no payment history should be reporting.

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 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Been my credit card account and relationship with DISCOVER card since XXXX and having a cero balance with them, on XXXX they decided without a reason, as far as I know to lower my credit limit from {$22000.00} to {$10000.00} even thought I respect they decision on XXXX they closed my account and the reason that they give me was that I never reply to an email that they had send me ( to a not active email address ), they also say that they had contact me via phone and left voice mail when I don't have a voice mail set up on my phone. I have try numerous time to clarify this misunderstanding with DISCOVER without luck, even the two representatives understand the mistake and they had try to reopen the account back but the system doesn't allow it, one of the representative had told me on XXXX that I would have to re-apply again to re-open the account and since I know my credit history and relationship with DISCOVER was excellent I decided to re-apply and they denied my application. On XXXX XX/XX/2021 I was able to speak with a supervisor and she had told that she was going to check recordings from XXXX to find out If a voice mail was left on my number, If not that she was going to reopen the account for me again, she told me that she was going to call me back personally, I never here from her and after two weeks waiting from her phone call I decide to call myself to follow up and they told me that she had call me the same day and left a voice mail when I don't have voice mail set up in phone and she knows that. I was able to get transcripts from my phone company ( XXXX ) for the month of XXXX and XXXX to verify those phone calls from DISCOVER and there is NOT phone call on either month. As of today my credit history is in EXCELENT condition with a score XXXX and a credit cards limits of {$110000.00} with 14 different companies and my credit card use under 5 %, the only bad think I have in my credit history is a " closed account '' from DISCOVER, a " denial '' from DISCOVER and an " inquire '' also from DISCOVER. To me this is been a very traumatic experience that in the middle of the worst pandemic of he century this company its been giving me the running around damaging my credit history and misleading me without a reason, I feel that they are discriminating me since they having give me a reason for all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I financed a new vehicle in XXXX of 2021 through the dealer where BBVA underwrote and issued the loan to purchase the car. A BBVA Compass bill arrived in early XXXX for a normal payment of {$560.00} due on XX/XX/2021. The payoff quoted on that bill was {$36000.00}. I set up a payment from my bank XXXX XXXX XXXX to arrive on XX/XX/2021 for the full payoff amount : {$36000.00}. It arrived at XXXX on this date. XXXX did not " cash '' the check until the XX/XX/2021. XXXX then " returned '' the check on XX/XX/2021 for an undisclosed reason ( there were more than enough funds to satisfy the check ). On XX/XX/2021, I called XXXX to see what the issue was, and they stated that the payoff was not enough, so they did not honor the check. On XX/XX/2021, XXXX has called me attempting to " collect '' the outstanding payment for amounts owed from?????. There are no amounts owed according to the contract in place and the title is not being released. I am concerned that this will negatively affect my credit as they state I have a payment that is past due when the loan was paid in full Before the due date.

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

Complaint narrative:
Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. Equifax, XXXX and XXXX  have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Purchased private sale vehicle in Massachusetts with westlake financial services XXXX XXXX XXXX XXXX XXXX as lien holder. I paid out settlement to XXXX from my bank account and they are not releasing the electronic title or speaking with me. They have taken my money, I have a notarized bill of sale, bank transactions for the settlement payment, a settlement offer from XXXX, a reciept from XXXX but no title, its been almost a month since I paid the loan and they are not releasing the title. I'm supposed to register the vehicle within 10 days of the sale but I can not without a title. I have more documents upon request. 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 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I set my house payment on a automatic payment plan with my bank. 
they send me a letter saying I was cleared to have that loan payment to the mortgage company withdrawal. 
I when on vacation and was force to stay due to Coron viruses and did not have information autocratic withdraw. My bank said it was the mortgage fault. The mortgage said it was the banks fault. I know and have the letter the bank sent me on the withdraw so I believe it is the banks fault for not honoring the letter. 
The mortgage company place a thirty day late payment on my report and now my score dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: TX

Complaint narrative:
I have received yet another bill from this company after I have repeatedly asked for a signed contract which has NOT been provided. I received a bill from them on XX/XX/2021 and I sent a validation letter on XX/XX/2021 asking yet again for an actually signed contract. Being that they were not able to provide it this collection must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Hello, I have reached out to Caine & Weiner several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.

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

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Harris Financial with XXXX XXXX XXXX have failed to release funds from a IRA inheritance account ( Deceased mother who I'm a beneficiary to that account ). They were able to provided funds to other siblings, but refuse to issue my funds. Total amount is around {$16000.00}. They told me it is invested and will not release. Contact people are XXXX XXXX and XXXX XXXX from BMO and XXXX. I have been emailing both parties and talking to them since XXXX XXXX and signed all paper work that was required. They keep on delaying funds. I believe its a scheme to defraud 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