vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
In XXXX of 2022 I applied for a XXXX program through XXXX  XXXX  XXXX on my mortgage with Chase, which had come out of a forebearance. I had been pre-approved for $ XXXX or so. XXXX XXXX opened the XXXX application on XX/XX/2022. I submitted my extensive application on that date. I received confirmation that the application was complete and I needed to do nothing else. 

I let my mortgage company- Chase- know that I was applying for this, and a servicer had actually helped me with some of the financial details of the application. I have kept them up to date on the process almost weekly since that time. 

Note that Chase can not " see '' on their side of things that I have applied for anything. They say that a XXXX party servicer is handling the XXXX program. 

I was approved by XXXX  XXXX for the XXXX program. The next step was they submitted - by computer - a request to Chase for documentation - details about my mortgage, so the application could be completed. 

They have received nothing back from Chase since XXXX. 

At the end of XXXX I had a mortgage person at Chase and a person at XXXX  XXXX on a 3-way conversation ( with me ) to talk about this. That phone call was recorded by Chase for my records- and XXXX  XXXX was notified that it would be. 

I have had extensive email conversation with XXXX  XXXX to follow up - they have also asked me to ask Chase for an extension on my forebearance arrangement because of this HAF process. I did and was granted one until XX/XX/XXXX. Obviously, that date was missed. 

Today I spoke to a supervisor at XXXX  XXXX about this and was told there is nothing anyone can do - it is a federal computer system for XXXX talking to a federal computer system for Chase. They have rec 'd confirmation that the request to Chase was received. This means we just " need to wait '' - because Chase is soooo big and they have soooo many applications around the country. 

This just can not be the way it is. There must be some guidelines and rules and regs that Chase would be under to manage the program. Chase, right now, seems to be completely unaware of my application, except for the notes I have asked to have continuously written into my file. 

My loan # with Chase is : XXXX My name is XXXX XXXX XXXX XXXX  XXXX labeled my name as XXXX XXXX XXXX The address is XXXX XXXX XXXX, XXXX, RI, XXXX My email is : XXXX My phone is : XXXX The mortgage XXXX  application is being process by XXXX  XXXX - XXXX XXXX XXXX  - ( XXXX ) XXXX I am attaching documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

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 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I started my modification application in XX/XX/XXXX because my balloon payment was coming up to be due in XXXX. My application was paused in underwritting because there were some questions. I addressed all of the questions and made the changes they requested. 
XXXX. ) they wanted me to submit a lease agreement, I explained that my XXXX business is a bed and breakfast and does not have a lease agreement. I was told to change my XXXX ( application ) to show the income as a business instead of a rental income. I was also told to submit a P & L and bank statements. I did all the above, the XXXX & XXXX and statement was approved, but the lease requirement is still not removed. 
XXXX. ) They wanted a court document for my child support. All I have is years of bank statements showing the receipt of the money and an affidavit from my ex-husband because we did not need to go to court to come to an agreement. Since that was insufficient, I asked them to exclude the child support as an income source altogether. I was told to submit another XXXX excluding the child support, which I did. 
Both the child support and lease requirement were still not removed. From XX/XX/XXXX until XX/XX/XXXX I did not hear back from my assigned agent, although I called and sent several emails but was always told someone will get back in touch with me, but nobody ever did. I then received a denial letter dated XX/XX/XXXX stating that I was rejected for the modification because " I failed to submit the required documents ''!! I sent a really long email on that same day to their customer relations, research department and all emails I had from Mr.Cooper stating my complaint and providing all the emails and details ( similar to above ). I received a response on XX/XX/XXXX from the assigned agent, XXXX XXXX, My apologies for your experience, I have escalated the issue once again and we will get back to you as soon as I receive a response. I have followed up with calls, voicemails, and emails since I received that email and still, as of XX/XX/XXXX nobody is responding to me. 
Due to this false reporting from Mr.Cooper, my credit score has dropped from XXXX to XXXX, that is a difference of XXXX points within 2 months! The modification would have closed in time if Mr.Cooper would have processed my application. I also tried to make a payment when I called customer service but I was told the minimum payment was more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I settled with the Debt Collector XXXX XXXX XXXX XXXX Capital one and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all XXXX credit bureaus. XXXX XXXX XXXX has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). XXXX {$1300.00} XXXX {$520.00} ... On XX/XX/XXXX XXXX XXXX XXXX tried to double-dip on a collection that doesn't belong to me and reported the amount to the XXXX credit bureaus which resulted in a negative effect as I am currently going through the process of closing on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
playing games and denying my claim over a fraudulent charge 0f {$1700.00} on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
The worse dealership experience I have ever had, and I've been driving since I was a teenager. When I purchased this vehicle ( gladly with a witness ) I told the salesman how much I drive ( numerous times since we were discussing a lease ). Fast forward 6 months later of a supposed " brand new vehicle " and XXXX miles later battery and engine issues. To which I'm basically told is going to keep happening. Tried numerous times to reach out to mbusa, Mercedes road side, and the dealership to be hung up on, lied to or ignored. I finally towed the vehicle up there and went directly myself since no one cared about my problem and made it clear I wanted to return the vehicle this is not what I pay {$850.00} a month for. They forcibly put the vehicle into " repairs '' against my consent, then when it reached the point of me having to make a scene to actually be heard they want to tell me I have to pay {$10000.00} to return the piece of XXXX they lied about and sold to me. I left the vehicle there since they forcibly put it in " repairs '' without my consent and contacted my attorney to update him on the matter. Run from here as fast as you can! I'm glad I recorded my whole interaction with the lying scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: PA

Complaint narrative:
I'm disputing the late payment on my XXXX XXXX XXXX XXXX account. My payment is due on the XXXX of every month. I missed XXXX 's payment, but I paid them on XX/XX/XXXX and the money was taken out of my account on the XXXX. They reported me for being 30 days late. That's inaccurate.

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 2022-02-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm disputing the late payment on my XXXX XXXX XXXX XXXX account. My payment is due on the XXXX of every month. I missed XXXX 's payment, but I paid them on XX/XX/XXXX and the money was taken out of my account on the XXXX. They reported me for being 30 days late. That's inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm disputing the late payment on my XXXX XXXX XXXX XXXX account. My payment is due on the XXXX of every month. I missed XXXX 's payment, but I paid them on XX/XX/XXXX and the money was taken out of my account on the XXXX. They reported me for being 30 days late. That's inaccurate.

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 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: DC

Complaint narrative:
My vehicle was illegally reposssessed by the used car dealership. I paid my vehicle off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
The entity involved is Santander Bank and XXXX XXXX. Back on Wednesday XX/XX/XXXX Santander had the XXXX XXXX XXXX  repossessed by XXXX XXXX. XXXX XXXX has its physical location in XXXX, NC ( which is about 45 minutes from where the vehicle was picked up ). Once the XXXX XXXX XXXX was repossessed it was taken to XXXX, SC. XXXX is roughly about two hours away from where the vehicle was picked up. During the time of transport and while in possession of XXXX XXXX the XXXX XXXX XXXX underwent some mechanical damage. To be specific the XXXX XXXX XXXX was in perfect mechanical working condition prior to being repossessed. Once the XXXX XXXX XXXX was allowed to be recovered, which was 24 hours later. XXXX XXXX would not allow the vehicle to leave until 24 hours had passed even if the balance was fully paid. I had to drive to XXXX, SC to pick up the vehicle on Thursday XX/XX/XXXX. Once the vehicle was recovered I started to hear and feel a kick in the transmission. When the truck would shift between 1st and 2nd gear it would kick. Also, when placed in reverse it would kick and spin ( making real loud and concerning noises ). I then proceeded to take the vehicle to my local mechanic XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They advised me that if the vehicle was towed/rolled without the differential being unlocked, it very well could have caused mechanical damage. XXXX XXXX XXXX XXXX XXXXXXXX advised to get a second opinion from a shop that specializes in transmissions and such. I then took the XXXX XXXX XXXX to XXXX XXXX XXXXXXXX for an evaluation. After the diagnosis took place, it was then confirmed that the transmission, transfer case and differential were all damaged during the towing process. The truck stopped operating properly after the diagnosis and was advised to get a rental vehicle. I proceeded with that and left the XXXX XXXX XXXX at XXXX XXXX XXXXXXXX. In the meantime I had submitted the various reports provided by XXXX XXXX XXXXXXXX. At this point Santander asked to wait 7-10 business days awaiting response from XXXX XXXX ( in hope of them owning the damage ). XXXX XXXX  responded by saying they were not taking responsibility for the damages. Santander communicated this to me, I then explained that I was not looking for a free handout and that the vehicle was in perfect mechanical condition prior to the truck being repossessed. Santander asked me to submit records of the maintenance that had been done to the XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX provided service records for the entire time I have owned the vehicle. I then submitted these records to Santander ( which included a recent service done in XXXX of XXXX ). XXXX XXXX still came back after these records where provided and denied the claim on the damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to the consumer finance board for assistance and getting SunTrust to reach out to me so I could get bank statements from XX/XX/XXXX through XX/XX/XXXX. It is impossible to reach Suntrust directly as wait times are consistently over one hour. Even though SunTrust called me back within two days and understood completely which statements I needed, XX/XX/XXXX, I only received a one page statement which compiled of three months of no activity. This is not what I asked for this is not what I need and I will have my XXXX XXXX XXXXXXXX benefits terminated if I do not get the statements that SunTrust promised me but didnt provide.

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 2022-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX. The letter was a settlement letter requesting me to pay XXXX different amounts to settle the account. I called to ask why I was receiving the letter & that I am not aware of an account with them. The guy on the phone at XXXX XXXX XXXX, asked for identifying factors in which I would not give him. He became irate & hung up. Afterwards, I called Credit Acceptance Corporation, & was informed that they're trying to collect a date from XXXX which is far past the statute of limitations so I faxed a letter to both entities & in total disregard concerning my letter, this morning, I received a call from XXXX  & voicemail from XXXX, after I requested for them to not contact me concerning the matter. So I called back & spoke to another person who answered & asked that my number be put on their do not call. She asked me to hold & after 10 minutes I hung up the phone.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Comerica
State: IL

Complaint narrative:
I called into direct express customer service this morning to relay issues I was having with a transaction from XX/XX/XXXX for {$110.00} from XXXX XXXX I was explaining to the merchant that I had already filed A dispute for the transaction and that the problem I was having is that the merchant was still giving me the runaround and telling me that even though I requested a cancellation that they would still continue to charge my credit card up to 60 days pass when they receive my cancellation request and I was trying to call In to see how I can have the merchant block from charging my card. The representative was extremely ghetto and very rude and unprofessional on the phone she had kids playing in the background with the TV on making all kind of noise when I was explaining what I needed with her she got an attitude with me tell me why why dont I just get my money back from the merchant which is redundant because I already told her that I had a dispute already in process because the merchant was refusing to refund me or cancel the services then she kept asking me who the merchant was and what the amount was even though I already told her four or five times at this point when I asked to speak to her supervisor she got a further attitude and rather than transfer me to a supervisor she disconnected the call and transfer me to the survey

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I had disputed amounts charged to me by an entity known as XXXX XXXXXXXX in on XX/XX/2018 for {$560.00} and {$430.00} on my Chase credit card. Long story short, after much back and forth for almost a year, Chase told me they closed out the case and told me I was responsible for the charges. Even after I had provided them evidence of the company being fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: IA

Complaint narrative:
We have received a couple of letters from Synter Resource Group, LLC stating that our business has an account with XXXX that has been placed with the agency for collection. We do not and have never had an account with UPS. We just received a very harassing phone call from Synter Resouce Group, LLC about the same matter. We advised them of this on the phone call and the agent on the phone would not accept that this was fraudulent. The agent insisted we give them an email address to send additional documents to, which we refused. We would like Synter Resource Group, LLC to no longer have any of our contact information and no longer harass us regarding an obviously fraudulent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has stolen my info. Tried to chase this guy down, but he died before I got resolutions. He lived in XXXXTx at the time I lived inXXXX. I applied and received XXXX from XXXX while this thief was using my social sec number. I tried to contact the Social security adm but was ignored!!! Now he is dead and myife is still being wrecked by his illegal use of my info. Do I have to XXXX  also to be relieved of this 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 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
On the date XX/XX/2020 I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through Credit Acceptance Corporation. I am the original creditor extending my credit ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraduently finance me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$11000.00} exact but this dealership and financial institution gave me a total sale price of {$32000.00} ( see attachment for Exhibit A ). That is a total of {$21000.00} charged over the sum of all charges this is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a ) ( 5 ) ( see attachment for Exhibit B ). Sadly this is fraud so this contract is now void.

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