vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Dealer Funding, LLC
State: PA

Complaint narrative:
On XXXX, purchased an XXXX XXXX from XXXX XXXX XXXX located XXXX XXXX XXXX, XXXX, PA XXXX. Put a down payment of {$5500.00}, and financed {$14000.00} with Dealer Funding located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My monthly payments were {$370.00}. On or about XXXX, called Dealer Funding to make loan payment, and was advised by Dealer Funding associate that Dealer Funding can not accept my monthly payment. Dealer Funding associate advised me that Dealer Funding were not licensed in Pennsylvania to issued auto loans, and my auto loan has been transferred to XXXX XXXX XXXX. Requested an full refund, and my account to be a XXXX balance from the associate and advised her Dealer Funding committed loan fraud by providing auto loan to me without being licensed in Pennsylvania. Dealer Funding associate advised me there is not that can be done.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-02 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back. 

As I recall, I made a monthly payment to XXXX XXXX XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date. 

This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, comenity bank keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I would file an official complaint with Freedom Mortgage and the underwriter that handled the loan for my wife XXXX XXXX. The underwriter was sending last minute requests close to the end of each business day that involved my business and also my wife. 

We felt the requests were very repetitive and we had already provided the documentation to the underwriter for Freedom Mortgage through tax returns and bank statements. Only to have the information requested again delaying our closing and costing us more money in the long run.

We were asked at the last minute to provide a letter explaining why were downsizing our home when if fact the home is 200 square feet larger than our previous home. We asked several times what is all the information that Freedom Mortgage and the Underwriter needs in now. From our perspective the underwriter kept taking their time asking for requests several days over several weeks as to at the beginning of the process. 

Then I received a letter from XXXX XXXX the Sr. Vice President of Customer Service at Freedom Mortgage that did not address all of our concerns and issues with the underwriter and this unpleasant experience. I left her a voice message 5 days ago to address the concerns and issues not addressed in the letter sent to me without a response to date. 

I want to know if this is an ongoing practice by Freedom Mortgage and were we profiled for some reason resulting in a form of discrimination being as though we were putting close to 30 % down payment on the mortgage which is not the norm for owner occupied homes.

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 2017-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This was {$50.00} PNC Bank card given to us as gift and when we finally plan to use during holiday season we found the balance left on the card was {$2.00}. Bank took away rest of the money in their account upon calling multiple times customer service just response that its service charge monthly, this is absurd when the card is valid till XXXX how can they charge fees and for what? As I received a gift card how would we know of such charges? Are we still staying 19 centuries where bank can about anything. Do not bank with PNC Bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Back in XXXX, I notified XXXX, XXXX and Transunion of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided XXXX and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Transunion, XXXX and XXXX have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. XXXX, Transunion, and XXXX has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D

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 2017-12-02 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: TX

Complaint narrative:
Back in XXXX, I notified XXXX, Equifax and XXXX of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX, Equifax and XXXX have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. XXXX, XXXX, and Equifax has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When trying to built credit you apply for a car loan. Each dealer you go to sends out inquirery to sends it to several credit agencies. The result = each credit reporting agency penalizes you 2 points for each inquiry. You now have a lesser score after trying to built your score. This tactic is working agains you. I had a XXXX and ended up without a loan and a XXXX score. This is hurting people from fixing their credit. End this practice. 
I now can not get any credit because of my credit score. So, how a my supposed to built credit when I can not get it to begin with? Its a catch 22.

Also, every credit card company that gives you a credit score shows you a different credit score than the credit agency. Its not uniformed.

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 2017-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Innovate Managed Holdings, LLC
State: PA

Complaint narrative:
Called XXXX XXXX XXXX on or about XXXX, and advised were my auto loan with them. XXXX XXXX XXXX associate advised me that my auto loan was transferred from XXXX XXXX. Advised associate that loan was fraudulent from XXXX XXXX because they were not licensed in Pennsylvania to issue loans. The associate advised me she did not know anything about it, and advised me to continue making my monthly payments. On or about XXXX, my car was in an accident and XXXX XXXX XXXX company declared my XXXX XXXX a total loss and paid XXXX XXXX XXXX {$16000.00}. Called XXXX XXXX XXXX on or about XXXX and checked status of auto loan being paid in full from payment of {$16000.00} from XXXX XXXX. XXXX XXXX XXXX associate advised me that loan was paid in full. Check my credit report on XXXX, and seen charged-off amount XXXX, and it damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX, before my incident with Chase bank, my husband realized that we had been hacked somehow. Someone opened an XXXX charge in his name. They charged {$1.00}, then {$100.00} and got away with it. They were trying to charge another {$2600.00} when I received a call from XXXX asking me if I authorized this charge. I did not and working with my husband XXXX helped him clear everything up. Because of this I proceeded to call all of my credit card companies as well as my bank, Chase. I personally spoke to all representatives and let them know what happened and to place all my accounts on high Fraud Alert, personal and business. On Saturday XXXX/XXXX/XXXX I received a txt from Chase asking me if I authorized a transfer of {$4800.00}. It gave no account information, no information as to who the money was to be transferred to, nor a phone number to call if I needed help or thought this was an emergency. It simply stated to txt back 1 for yes and 2 for no. As soon as I saw the message I promptly txted back 2 for no. Since it was later in the day/after banking hours and tomorrow was a Sunday and I was traveling in Wisconsin at the time I had to wait till Monday to check my accounts. Since I had called everyone and spoke to them personally as well as txting back 2 for no, I felt that I was safe and protected. I was given no further instructions from Chase with the original txt nor received any other txt messages concerning this. On Monday morning XXXX/XXXX/XXXX I opened one of my chase accounts and saw that in fact Chase had transferred with XXXX Quick pay the {$4800.00}. NOTE : I did not have XXXX Quick Pay set up on my account. It stated that Chase transferred {$4800.00} to a XXXX XXXX. As well, at the same time someone by the name of XXXX XXXX was asking Chase to transfer another {$4800.00} via XXXX Quick Pay to them via another Business account I have with Chase. They did not let that go through, I did not receive a txt about that, the transfer was blocked by Chase and was cancelled on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX Chase has not refunded my money to me. I have filed a police report with the XXXX Police Department, a fraud report with Chase, an FBI report and now a report with you, the CFPB. According to Chase they have it being reviewed with their Fraud Department, expedited. Again, as of XXXX/XXXX/XXXX I have not received my funds back. I would like to stress that I did everything possible to let Chase know we were having problems. I personally spoke to a representative at my branch to let them know. I did not have XXXX Quick pay on my account nor do I have a history of using XXXX XXXX Pay with that account. And most importantly I txted back 2 for no. Again, given no further instructions from Chase I thought I was protected. Chase appears to be making no efforts to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
i have been dealing with bank america despute resolution services located at XXXX  arizona everything came from them and never was this persons at bank america ncXXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX never were involved at all. letters dated XX/XX/XXXX from them state on XX/XX/XXXX the desicion was made and approved the claim. letter dated XX/XX/XXXX stated that the debit card ending on XXXX was closed and that th eaccount ending on XXXX was closed on XX/XX/XXXX. now here is the mistake or lies they have made. they stated that the withdrawls on XX/XX/XXXX of {$600.00} and the other s on XX/XX/XXXX for {$2100.00} and {$1.00} the stated they confirmed that my drivers license was used and as identification that a debit card ending on XXXX was used as identification for the transactions. 
NOW I RECIEVED THE FRAUD STATEMENT ON XX/XX/XXXX AND FILLED IT AND SIGNED IT ON XX/XX/XXXX - THANK XXXX I FOUND THE COPY I HAVE ATTACHED IT I EXPLAINED THAT WHOM EVER DID ALLTHIS FRAUDS WAS THE SAME PERSON WHO MADE THE WITHDRAWLS ON XX/XX/XXXX AND XX/XX/XXXX. THE SIGNED FRAUD STATEMENT I SENT ONXX/XX/XXXX AD FAXED AS WELL ALONG WITH OTHER INFORMATION WAS THE RESULT OF THE DECISION THAT WAS MADE ON XX/XX/XXXX BUT THEY NEVER BOTHER WITH THE OTHER FRAUD THAT TOOK PLACE. 
NOW I HAVE CALLED THE ATM/DEBIT CARD OPERATIONS XXXX AND THERE WAS NEVER A DEBIT CARD ENDING ON XXXX ISSUED AT A NO INFORMATION WHATSOEVER. I ALSO CONTACTED THE DESPUTE RESOLUTION IN ARIZONA AND THEY FOUND NO DEBIT CARD ISSUED ON XXXX AT ALL. 
NOW I SEND COPY OF THE STATEMENT SHOWING THE WITHDRAWLS AND HERE IS THE MISTAKE OR LIES THE STATEMENT ON SHOWS THE GA TLR CASH WITHDRAWL FROM CHKING XXXX AND NO BANKIG CENTER # AND NO CONFIRMATION NUMBER AND THAT IS THE FRAUD THAT TOOK PLACE BY THE SAME PERSONS OR BANK PERSONNEL. 
NOW I WENT TO THE BANK AND WITHDREW {$200.00} YESTERDAYXX/XX/XXXX AND GUESS WHAT IT SHOWS TYPE : DEBIT CASH WITHDRAW AT BANKING CENTER # AS WELL AS CONFIRMATION # AND THAT IS MY PROOF THAT WHAT TOOK PLACE WAS PART OF ALL THE FRAUDS IDENTITY THEFT THAT TOOK PLACE. 
I HAVE SENT COPIES OF EVERYTHING ALL LETTERS FROM ARIZONA FRAUD AS WELLS AS FRAUD CLAIMS AS WELL AS ATM/DEBIT OPERATIONS.AND A COPY OF THE FRAUD STATEMENT WITH MY SIGNATURE AND EXPLANATIONS INCLUDING THE POLICE DETECTIVE NAME DATE REPORT # PHONE AND BADGE AS WELL AND I ALSO HAD FAX IT TO AS WELL 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 2017-12-02 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: PA

Complaint narrative:
I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}

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 2017-12-02 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: PA

Complaint narrative:
I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX/XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back. 

As I recall, I made a monthly payment to XXXX XXXX/XXXX  XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date. 

This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, XXXX XXXX keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on credit.

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 2017-12-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I requested a draw from my Reverse Mortgage credit line of the full amount stated on my XX/XX/XXXX statement of {$190000.00}, see attachment. This Reverse Mortgage was originated by XXXX XXXX over a decade ago and serviced by XXXX XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX XXXX Tx. Phone XXXX On XX/XX/XXXX I contacted XXXX XXXX, they said they had my request, but do to the size of the request it had to be reviewed by HUD, a second XXXX agent said XXXX XXXX and XXXX XXXX  When asked how long it would take XXXX said " they '' dragged their feet and could not say. This is a FHA backed HECM.

I am in full compliance of the terms of my reverse mortgage i.e. I live in my home, it is in good repair, insurance and taxes paid. The request form from XXXX says monies would be placed in my XXXX XXXX account or a check mailed within 5 business days. At XXXX years old and making only the second draw on this costly credit line in ten years I feel mistreated. I will provide any information or documents immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Please refer your attention to complaint number XXXX, This Complaint was filed on or about XX/XX/XXXX, and involved the manner in which the bank had computed overcharges on a checking account. It was apparently forwarded to Regions National Bank on XX/XX/XXXX. 

At the close of business that day, Friday, XX/XX/XXXX, the balance in my account should have been {$11.00}, However the last charge against the account that day was a charge of {$180.00}, apparently for four non sufficient fund charges at {$36.00} each made over the weekend of XX/XX/XXXX and XX/XX/XXXX and the charge for the overdraft which resulted from the application of the overdraft charge itself. 

The charges for the four overdrafts over the weekend were not processed until Monday, XX/XX/XXXX, On that same day, the account was charged another {$140.00}, apparently for the four.overdrafts which were processed on XX/XX/XXXX. Accordingly, from Friday, XX/XX/XXXX until Monday, XX/XX/XXXX, the account was charged a total of nine ( 9 ) overdraft charges at {$36.00} each, when only four overdrafts had occurred over that weekend, not including the overdraft which had occurred as the result of the application of the overdraft charges on XX/XX/XXXX. 

I would like to point out that in no other instance to my knowledge had the ban charged for an overdraft to the account which was the result of the application of the overdraft charge itself. But it is clear that this was the case on XX/XX/XXXX., These charges were made by the bank within a week after the original complaint filed in this case had been forwarded to the bank by your office. It is my belief that these charges were made in retaliation for my having filed this complaint. 

For this reason, I have not discussed this matter with the bank prior to providing you with this addendum. I plan on visiting the branch office of the bank on Monday to discuss this with the manager, but the last time I went to the bank to discuss this matter I was threatened with arrest. Please understand I need this account I just wanted to be treated fairly. It is the only means I have to collect my very modest pension and social security benefits. 
. 

.

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