vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
In early XXXX of XXXX, I contacted XXXX XXXX from US Bank to discuss the possibility of buying a vacation home in XXXX, AZ. In mid XXXX XXXX after reviewing my credit, bank statements, taxes, etc ), I received a verbal approval by phone that I was ok to travel to XXXX, find a home I like & that US Bank would finance it up to XXXX & maybe more. I also received an email confirming this amount on XX/XX/XXXX. Based on this approval, I flew our family out to XXXX to begin looking for our vacation home & began putting in offers the week of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX gave my realtor a letter confirming my pre-approval. On XX/XX/XXXX, we had an accepted offer on a house that we liked & began to move forward with the next steps to close on the house. We paid out of pocket for an inspection on the property & paid US Bank to conduct an appraisal which valued the home higher than our accepted offer. Everything seemed to be lining up & working out greatly. Then, on XX/XX/XXXX, I received notification from US Bank that they would no longer finance the house due to something in my taxes. I consider this to be ridiculous as they had my taxes & looked thru them prior to the approval. Why were my taxes ok at application time, but not XXXX weeks prior to closing? Yesterday, we lost our dream vacation home as the sellers refused to extend closing time to allow for financing with another bank ( which I was approved for at XXXX XXXX XXXX XXXX XXXX. So, there is the story. As you can see, this is upsetting to be lied to by a bank, but this situation is especially upsetting due to all the costs incurred. When I look back & start adding them up, they add up quickly, but heres a breakdown : Travel costs : {$4000.00} ( aprox ) Loss of work to travel : {$2000.00} Inspection : {$600.00} Appraisal : {$390.00} Earnest : {$4100.00} ( wire transfer fee included ) As you can see, I threw away over {$10000.00} of my hard earned money due to the banks actions. In addition, my realtor & accountant worked hard with US Bank to make this deal happen, only to see their hard work lead to nothing. In addition to that, the sellers also made approximately $ XXXX in improvements ( requested by me as a result of inspection ), so they are impacted as well. As you can see, many parties were impacted by this. 
In conclusion, I think its important for banks to not give approval unless they are going to stick to it. Obviously, some loans fall apart due to borrower actions between approval & closing. This is not the case here. The lies of XXXX XXXX XXXX US Bank have cost lots of time & money & I think its important to prevent this from happening again.

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 2021-03-02 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I was charged onXX/XX/XXXXI issued a dispute with my credit card company which is the Apple Card and the merchant. The merchant issued a refund and the credit card issued a credit. I asked for the credit card to remove the credit to avoid charges. I was told they removed it. And that I would not have to worry and it wouldnt be added to my account. However they charged me on XX/XX/XXXXfor the amount of the provisional credit and refuse to remove it even though I do not owe and was told I would not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/2020 thru XX/XX/2020 I made my monthly payments to XXXX on time and qualified/was approved for a loan modification program that lowered my monthly payments. XXXX reports that my account was over 120days late for these six months when I clearly made the payments on time! This is significantly hurting my credit score and prohibiting me from refinancing my home and changing lenders. XXXX is impossible to get ahold off, ignores all attempts to contact them through email and is fraudulent in their credit bureau 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 2021-03-02 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: MO

Complaint narrative:
XX/XX/2020 thru XX/XX/2020 I made my monthly payments to XXXX on time and qualified/was approved for a loan modification program that lowered my monthly payments. XXXX reports that my account was over 120days late for these six months when I clearly made the payments on time! This is significantly hurting my credit score and prohibiting me from refinancing my home and changing lenders. XXXX is impossible to get ahold off, ignores all attempts to contact them through email and is fraudulent in their credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have two CitiCards. An Awards ( ... XXXX ) card and a XXXX XXXX ( ... XXXX ) Sometime in early XXXX, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX Checking Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX ( XXXX ) were being applied to my XXXX card. I discovered this error and contacted XXXX, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. XXXX moved the credit to XXXX on XX/XX/XXXX, or thereabouts, but never updated my payment history as promised. As a result I immediately received a 60-90 past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/XXXX, however upon notifying XXXX, their fraud department and customer service departments tell me that I have a negative {$35.00} balance ( credit ). 

On XX/XX/XXXX, I received two letters from XXXX ( attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. The only problem with the letters is that they both have card numbers that are invalid ( not enough digits and are nowhere near any card number issued ). 

I spoke with XXXX again, XXXX - XXXX PST on XX/XX/XXXX and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates XXXX XXXX lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if XXXX releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/XXXX. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except XXXX. 

Best Regards ... ... .. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Assisted by what was supposed to be XXXX support involving XXXX XXXX. Unknowingly being assisted by a scammer who advised me to use XXXX, which had no knowledge of nor ever used til that moment. Was told this would give a code to get my refund back from XXXX XXXX and be refunded back to my account. 
It was like they had virtual control of my phone. Knew exactly which screens to go to and exactly how to scam me out of {$1000.00} by using a code. 
I would never have used XXXX knowing what it is and reviews involving scams. 

I have a bank letter telling me I would receive all my money back and any fees that were incurred with this fraud account. Bank said associate made a mistake, on well.

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 2021-03-02 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Chime Financial Inc
State: GA

Complaint narrative:
My name is XXXX XXXX someone hacked my email and chime account with XXXX dollars in it I called before this even happened and told several representatives it was not me making changes on my account they said they couldnt do anything about it and they can just send me XXXX to my sister account Im homeless and stranded as of right now with XXXX kids if you cant help me with anything within the next 2 hours I will be taking farther actions contact XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: IN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo called me a few weeks ago and said I was approved to refinance my home. At {$630.00} per month and starting over at a 2.5 % interest for 30 years. I got behind on my payments from last year due to my company was all laid off for the XXXX support desk for XXXX. They recorded the conversation and said I would have to state that I agreed with their terms stated above to refinance. I said yes I agreed. Paperwork came in and filled out and overnighted to them last week before the deadline if XX/XX/XXXX. Another letter came in a day letter stating that I was not approved. It doesn't make sense why they approved me and I signed the paperwork they would turn around and denied it. I have all the paperwork still. 

I can not afford the {$890.00} payment that it was.

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 2021-03-02 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: VA

Complaint narrative:
I am a victim of identity theft and have tried twice now to get my credit report corrected. However, this credit bureau refuses to correct the report in accordance with the law and has refused to properly investigate the accounts listed in the attached affidavit documents. Additionally, this bureau has not responded to my request for specifically how they verified this account with the creditor that is alleging that I owe them. 
Lastly, Equifax has a split file and refuses to merge it back. As such, they are giving out inaccurate information about me that is defamatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the CFPB regarding my mortgage holder PennyMac. I explained that they failed to timely pay my taxes and a late fee of {$410.00} was now added to my property tax bill for XXXX. I also requested that as punishment for failure to fulfill their fiduciary duty and contractual obligations that my escrow account be divested from my monthly mortgage payment and that I be allowed to pay my insurance and taxes myself. The taxes have since been paid, only in response to my compliant with CFPB, and my escrow account has been divested from my monthly mortgage payment. Because the taxes and insurance have been removed from the monthly payment, the new amount to pay each month was to be {$1500.00} starting XX/XX/XXXX. Because I have a standing {$450.00} additional principal payment each month, the new amount as of XX/XX/XXXX should be {$2000.00} ; HOWEVER, on XX/XX/XXXX PennyMac wrongfully withdrew {$2800.00} from my checking account ( which is my previous mortgage payment ). This action by PennyMac once again breaches their fiduciary duty, commits the civil tort of conversion, commits the criminal act of theft, and is a breach of contractual obligations in violation of the commitment letter sent to me by PennyMac dated XX/XX/XXXX which altered my mortgage contract with PennyMac. PennyMac has once again shown through their actions, and lack of action, that they are entirely incapable of financial management. I am demanding the following ( 1 ) immediate return of the {$750.00} PennyMac stole on XX/XX/XXXX via direct deposit into my checking account, ( 2 ) immediate suspension and removal of the PMI monthly payment from my mortgage account as financial punishment for their continued wrongful civil acts and criminal acts, and ( 3 ) immediate return of the outstanding monies in my previous escrow account via direct deposit today ( XX/XX/XXXX ) which I have yet to receive from PennyMac as previously promised. I have been dealing with XXXX XXXX at PennyMac who's phone number is XXXX, extension XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MN

Complaint narrative:
I received notice from a company called Cash Central in XXXX, Ohio that they will be debiting my bank account by {$210.00} for a loan I didnt borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Applied in XX/XX/XXXX with existing mortgage company NewRez for rate/term, was told XX/XX/XXXX that it was clear to close. no calls no responses to inquiries until mend of XX/XX/XXXX. Final CD never sent for review. When CD was sent it was incorrect. Processing manager reached out for clear to close call and to set up closing. NO final CD sent, closing was no call no show. No one at lender responded to any emails or calls. Closing was supposed to be for first week in XX/XX/XXXX. Closing agent from title company calls on XX/XX/XXXX out of now where and says they will be there to close. No final CD has been given to me in advance, at least not one that resembled what was told to me, and no advance notice on closing. When speaking to lender on XX/XX/XXXX and title agent, based on their recommendation we rescheduled closing for XX/XX/XXXX so i can " skip '' a couple payments instead of paying an entire month of per diem interest ( or so it was sold to me this way ). XX/XX/XXXX roles around and no call no show again. When I get Operations and Sales Manager involved, come to find out I am now back in underwriting AGAIN because of a credit pull and supposed collection ( which was also on the original report ) again. Literally sat on the file for a week and waited until 10 minutes before closing to tell me this. The practices of this lender have resulted in numerous TRID violations, not to mention the appearance of multiple unfair, deceptive, and abusive practices. I would have to imagine this treatment is not reserved for only me, but others are experiencing it too. In addition to the above, no one could give me a correct LE or CD based on what I was told i advance and once they actually did they cancelled closing. It appears not only are they trying to waive the lender credits and rate promised to me, they are actively working to discourage this application for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX of XXXX a loan was taken out in my name. The dealership along with Santander Consumer USA performed acts of predatory lending by using false and inaccurate on the loan application. My credit score on XX/XX/XXXX of XXXX did not meet the minimum score required to obtain a loan with Santander. 

I sent a certified letter asking for the original signed loan documents and any other information used during the loam process. Santander received that letter on XX/XX/XXXX of XXXX. I called on XX/XX/XXXX to follow up with them and they said they would email the documents. I asked them to mail them as the letter stated, they never mailed nor emailed the documents. It has been 45 days since they received my first letter for verification. This fraudulent auto loan account is causing unjust financial hardship for my family and I. Especially during the current Covid pandemic its been taking a huge hit to my credit scores and finances. 

I have sent out another letter to Santander Consumer USA asking them to remove this account from my credit report immediately since they failed to provide me the debt verification requested. Also I have sent a letter to the 3 major credit bureaus with the details of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I called and talked to a XXXX the last two days. She is saying the check for the overpayment of the payoff of my loan was processed on XX/XX/2021. This complaint is to piggyback what they are doing. I filed my first complaint on XX/XX/2021. I have talked to XXXX at PNC, she does not know the check number to the check, and I asked her when it went out her reply was " I think On XX/XX/2021. She comes back after I asker her again and she said " yeah I think you check went out on XX/XX/2021. Here it is now two weeks later, and she says the check may have gotten lost. She goes on to say the check for {$190.00} for the overpayment for the payoff is delayed because of the bad storms in the mid west. I said the bad weather was in Texas. She says " oh yeah ''. She said she overnight the check and stop payment on Tuesday XX/XX/XXXX, however it would take a week to get. This company is playing a game with me. I want my money NOw.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MA

Complaint narrative:
I have attempted twice to have them validate the debt. 

They sent me a bill. which stated I was past due from XX/XX/XXXX. 

The Account they were attempting to collect was over 5 years old. 

They did not respond to my second request sent Certified mail. 

# XXXX received XX/XX/XXXX they failed to respond in the 30 days.

Company response to consumer: Closed with explanation