vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2019 i Called Wells Fargo Mortgage dept to get pre-approval for a home i wanted to buy, XXXX. i spoke with Loan Officer XXXX XXXX and during initial conversation i explained to him that i had approximately XXXX in Student Loans and some medical bills that were being disputed and that i had paid off vehicle and credit card. .and XXXX proceeded to pull my credit and said he would send to Underwriting. within 5 minutes a decision came back from Underwriting with a Pre-Approval. XXXX said he was surprised that underwriting had approved with DTI being right under 50 %. and that my Credit score qualified me for FHA and they had a 3 Point Program that i also qualified for that only Wells Fargo offered. He then directed me to website to fill out application all with his assistance while we both were online and he could see and direct me while i input my information.. He also told me to go to my WF Application and pay {$75.00} so that i could receive {$750.00} to help with my Closing Cost. I was ELATED that i had a pre approval from WELLS FARGO Bank that the same day i put up {$3000.00} Due Diligence fee to secure home and my agent delivered certified check the following day. the following morning around XXXX i received an email informing me that " XXXX i made a significant oversight on your pre approval, your students loans I made a significant oversight on your pre-approval ; your student loans which will make your debt-to-income ratio significantly higher than guidelines permit '' I recommend you disapprove the physical condition of the property and cancel the contract. I deeply apologize for rushing through your loan application with us and for having wasted your time, ..This gentlemen knew that i had put up DD money and bragged about him having over 8 years experience and do allow some other Loan Co do what he just did to me..AND MOST OF ALL HE SHOULD HAVE KNOWN THAT DUE DILIGENCE MONIES ARE NOT REFUNDABLE..I AM DEVASTATED AND WOULD LIKE TO BE REFUNDED MY {$3000.00} AND HOLD WELLS FARGO ACCOUNTABLE. I DID CALL AND FILE COMPLAINT WITH WF ON FRIDAY AND WAS INFORMED THAT SOMEONE WOULD CALL ME AND TO DATE NO ONE HAS CALLED. PLEASE HELP!! I AM A SINGLE PARENT TRYING TO PURCHASE MY FIRST HOME AND THIS HAPPENS WITH A REPUTABLE COMPANY " WELLS FARGO ''

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 2019-05-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received an alert from XXXX XXXX saying that a hard inquiry was done by XXXX on XX/XX/2019. After doing research it is : XXXX Bank via XXXX. I did not initiate or authorize any new accounts or applications with either institution. I called the number on my Experian credit report : XXXX ( XXXX ) and the agent looked up my phone number and email address and said that she isn't seeing anything. She emailed ( via XXXX app ) me information on how to dispute the hard inquiry. If there is no record of anyone trying to open a new account, then that means XXXX ran my credit without my permission. I am in the process of disputing it with both Experian and 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 non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IL

Complaint narrative:
For over the past several months, I have been trying to work with my servicer CARDINAL FINANCIAL. I have been trying to get PMI removed from my loan. I am required to have an appraisal done on my property. They have been making errors in how they have been deducting the fee. I have been calling them, and to date, they still have not order the appraisal on my file. Could someone PLEASE order and appraisal to remove the PMI?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DC

Complaint narrative:
Bayview Loan Servicing, even while knowing that the information that they have on our mortgage account is incorrect, sent in this wrong information to the credit reporting agency, causing our credit scores to plummet at the same time that we are attempting to refinance our mortgage loan. 

Bayview has incorrect information about our property tax escrow account -- we had already appealed this information and had the corrected tax documents sent from the District of Columbia to XXXX XXXX   ( who previously held our mortgage ). Bayview bought this mortgage, ignored the corrected tax information, and then reported out accounts as delinquent. We contacted Bayview immediately upon learning that their information was incorrect, but they still went ahead and reported the account delinquent to the credit reporting agencies. 

We are attempting to refinance our mortgage, however, Bayview 's actions are causing us both direct financial harm and preventing us from leaving Bayview 's portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We receive at least 3 calls an hour, all day long, all hours of the day, even weekends. Have asked them to stop and they have not. The dates have been ongoing for weeks. Todays date, XX/XX/19 was the last straw for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I tried to withdraw {$75.00} from my savings account at XXXX   XXXX XXXX, by initiating a transfer, using XXXX 's website, to my account at another financial institution. XXXX 's website indicated that I did not have sufficient funds to make the transfer, My available balance is {$100.00}. XXXX is greater than XXXX. The account does NOT have a minimum balance requirement ( it does have a minimum opening deposit, but no ongoing minimum balance. ) I tried contacting XXXX XXXX XXXX repeatedly and got no response. Out of a combination of frustration and now total lack of confidence in XXXX being a safe place to hold savings, I contacted the bank again and asked that my entire account balance be ACH 'd to my external account at another bank, and that my savings account be close. XXXX has not responded to, nor acted upon, this request. 

I'm concerned that my funds may be lost forever. It's not a high dollar amount, but it is my money, and I'd like it back. 

In the interest of full disclosure : I'm an employee and a shareholder of Alliance Data XXXX. Alliance Data XXXX is the parent company of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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: GA

Complaint narrative:
My credit card had got stolen, when they was disputing the issue it took over 120 days. They told me no payment was due because, they didnt have a new account number for me. In the mix of everything, they told me no payment wasd due. Then they reported me late. When I tried to get it fix. they told me to write a letter of dispute or dispute it with the credit agency then they would remove it. I have written letter after letter and still to date its reporting as a past due payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
This debt was place on my credit report on XX/XX/2019. The amount was for {$430.00}. The collection agency was Phoenix Financial Services. I contacted this company on XX/XX/2019 and XX/XX/2019 about not opening this account and could they send me proof that I open this account. As of yet I have not received anything. This account was sold to them by XXXX XXXX XXXX. I file a dispute with XXXX and was told the information was accurate. I disagree with the result and how they came to this conclusion. How much investigating did they do? Did they see the proof that the company provided? What about proof that this account was open via computer with no signature to verity the authenticity? And how did they come to this conclusion in such a short time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank in the month of XX/XX/2019 shows ( ND ) as not reported to XXXX  and needs to be updated as XXXX payment. XXXX goes months with no updated information to payment history. Last time it was 3 straight months no payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I had a 3 year note with Associated Bank ( AB ) ending on XX/XX/2018 with a 2 % prepayment penalty clause. When XX/XX/2018 came we had the Note renewed for a 5 year term. The prepayment penalty ( pp ) on the second note was structured differently. 5 % pp if the note was paid in full in the first year and 4 % pp if the loan was paid in full in the second year and so on. 

All I knew before signing the note was the interest rate and the duration of the note.My complain with AB is that I saw the note for the firsts time the day we signed the papers. The AB employee briefly " explained '' each page before flipping them over. very poor mentioning of the prepayment penalty on a 35 page document on a half and hour meeting. I do accept responsibility for not thoroughly reading 35 pages in a half and hour meeting, but I think AB should take responsibility for not explaining well to clients important details of the documentation and for not giving clients ample time to see the documents before signing. 

Another issue I have with AB is that they changed the pp from 2 % for the entire 3 years on the first note to 5 % if the note was paid on or before the first year of the 5 year loan, 4 % if the loan was paid on or before the second year, 3 % pp if the loan was paid on or before third year, 2 % pp if the loan was paid on or before fourth year 2 and 1 % if the loan was paid on or before fifth year. 
We sold the property less than a year after we signed the second loan and we were charged the 5 % pp. 
I tried to work with them to possibly charge me 2 %, much like the first note as the pp was very hefty, but they declined to keep some responsibility for explaining the note terms adequately at the signing. 
I am aware of the brutal " goals '' they impose on their employees which in turn their employees either are dishonest with clients or do not take the proper time needed to serve the clients properly. I call AB on shady banking practices and on very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
XXXX XXXX and XXXX XXXX have sent Carrington Mortgage multiple different mortgage modification packets. They continue to claim they don't receive the right information. XXXX has kept thorough records of everything that has been sent numerous times. 

The latest letter is dated XX/XX/19 and is asking for more documentation to be sent by XX/XX/19. This is humanly impossible. 

The sherriff 's sales is set for XX/XX/19 and they can not trust that Carrington Mortgage is going to try to work with them due to the multiple times of sending informaiton, not having a single point of contact, and no options. 

XXXX and XXXX 's original mortgage was with XXXX XXXX XXXX which was later sold to Carrington Mortgage. 

XXXX and XXXX can now afford the mortgage payment if Carrington will agree to a special modification of putting the past due on the back of the loan and setting up a new payment arrangement. 

The approx. value of the house is {$160000.00} and they owe approx. {$120000.00} due to the very large down payment they made originally. It is a FHA loan. 

Please help us to get Carrington Mortgage to provide a fair and equitable service. 

Thank you in advance for helping us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX USAA illegally closed my Visa Credit Card, Checking and Savings Accounts, and Certificate of Deposit based on UNLAWFUL RETALIATION against me exercising my basic consumer rights to dispute wrongful charges. Then falsely claimed their actions are based on my " UNACCEPTABLE BEHAVIOR OR ACTIVITY ''. 

In this case USAA is deliberately violating THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT by illegally discriminating based on race, and national origin, and because I have in good faith exercised my rights under the Consumer Protection Act. 

XXXX XXXX XXXX ; ( In Re : USAA Bank accounts held from XXXX - XXXX ) XXXX-XXXX-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX, even while knowing that the information that they have on our mortgage account is incorrect, sent in this wrong information to the credit reporting agency, causing our credit scores to plummet at the same time that we are attempting to refinance our mortgage loan. 

XXXX has incorrect information about our property tax escrow account -- we had already appealed this information and had the corrected tax documents sent from the District of Columbia to XXXX XXXX   ( who previously held our mortgage ). XXXX bought this mortgage, ignored the corrected tax information, and then reported out accounts as delinquent. We contacted XXXX immediately upon learning that their information was incorrect, but they still went ahead and reported the account delinquent to the credit reporting agencies. 

We are attempting to refinance our mortgage, however, XXXX 's actions are causing us both direct financial harm and preventing us from leaving XXXX 's portfolio.

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 2019-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: ME

Complaint narrative:
Im actually the beneficiary for the account for someones account at Key Bank located XXXX XXXX XXXX XXXX Maine XXXX XXXX which both husband and wife passed away. I went into the office instead of them asking for all material at one time it was asked piece by piece eventually giving them all that was asked I then had to wait 30 days After 32 days I went in they told me they had to fax everything to legal and I would here from them, now i have not received any phone calls or reply back from them, I also had a lawyer to write a letter asking Key Bank if theres anything more needed from XXXX if so please inform us so XXXX can move on with his life. 
Heard nothing from Key Bank. 
I have all emails, from bank manager stating I had to wait 30 days. 
I also called another Key Bank to find out what do I need to close a bank account if Im the beneficiary, the reply was original beneficiary paper work, 2 original Death certificates, affidavit and waited 32 days which they require 30 days. 
Still no reply, nothing, please help. 
I can be reached at XXXX or XXXX I have all emails and documentation to and from Key bank if needed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Repeated phone calls : XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX ; XX/XX/2019 : XXXX, many more Ally Financial repeatedly calling to collect a debt that is not mine. They refuse to provide an explanation as to how they got my phone number. I never had nor currently have an an account with them. The actual account holder did not provide my number as a reference. They are likely using a listing company ( i.e. white pages ) to find any person that may or may not be associated with the account holder and repeatedly calling and harassing to get information for a debt collection.

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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is the 2nd time that I've filed a complaint against Experian and STILL I am not able to remove this fraud alert. I've submitted a written request with required documentation TWICE, first in XXXX and again 3 weeks ago and they STILL haven't remove this fraud alert. I submitted the required ID, ( DL & PP, even tho only one was required ). I also submitted 2 current pieces of mail. I sent the letter registered mail and received confirmation that they received it the very next day but they STILL haven't removed the fraud alert. Further, the website states that the fraud alert is a 7 year alert. Yet I've been getting denied credit since at least XXXX when I couldn't get an apartment in VA because they couldn't get the Experian credit report. That was EIGHT years ago. I've only ever had one instance of fraud and that was cleared up with the vendor itself, NOT Experian. Further, everytime someone requests my report and Experian wont ' release it, my credit score STILL drops on average 40 points and the vendor NEVER tries to contact me to verify identity even though they claim they do but the phone number and the email address is on the application and they never contact me. I called the XXXX phone number and that number is like circular XXXX. It only allows you to put a credit freeze on your report but does not give you any guidance on removing a fraud alert even though it alludes to fraud alerts. They wording changes from fraud to freeze but don't allow you to remove a alert, only place one. I'm exhausted in trying to deal with Experian. I've done what is required of me TWICE ( in XXXX and again 3 weeks ago ) and they still won't release/remove this freeze and it's killing my credit score which is probably why they refuse to remove it. I've attached a copy of the letter that I sent to them and it included my DL, passport, and 2 current bills WITH current address as well as extra information that they didn't ask for just  so there wouldn't be any issued in proving my identify and STILL NOTHING!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
OnXX/XX/2019 I settled a XXXX XXXX XXXX XXXX account with XXXX XXXX XXXX and they sent a letter that the debt was paid in full and removed it from my credit reports. On XX/XX/2019 I had alerts from XXXX stating an account was added to my credit reports from Diversified consultants for the same XXXX XXXX XXXX XXXX account that was paid and DCI claims they had the account since XX/XX/19 and they never informed me with a letter, phone call or anything. On XX/XX/19I called and spoke with XXXX XXXX and she informed me that they did not have to inform me that they had an account in their office and they were within legal right to report this account to the credit bureaus without any notice to me. I submitted proof of the paid account via email to DCI following my phone conversation on XX/XX/19 and they received it onXX/XX/19. I spoke with XXXX XXXX again onXX/XX/19 and she stated that the dispute was opened on XX/XX/19 and that it will take 7-10 business days for an update and or removal. I called back again today XX/XX/19 and spoke with XXXX XXXX who stated there aren't any updates and that it is going to take up to 45 days for any response from XXXX XXXX XXXX. When I did not accept that answer he became nasty and I asked to speak with a supervisor he transferred me to the voicemail of XXXX XXXX, which I left a message explaining that I am filing this complaint and that I am also requesting a callback within 24 hours. I have had nothing but issues with this company and they are always reporting illegal and unverified accounts to my credit report and this is getting out of control. I was in the process of purchasing a home and this knocked me out of financing and I am considering filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax on my XXXX XXXX XXXX XXXX has not been updated since XX/XX/19 and all payments have been made on time and on my Paper Printed report from Equifax

Company response to consumer: Closed with explanation