vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX

Complaint narrative:
Began communications with Intercontinental on XX/XX/2019 with XXXX XXXX Mortgage Loan Officer at Intercontinental Capital Group, NMLS:XXXX. We talked about the FHA streamline loan in which they sent out a letter saying that I qualified for it. XXXX proceeded to ask for my competitor 's quote who was at the time XXXX XXXX  company to see if they could beat it. He proceeds to say per the email on the XXXX that he would call me back to see if they could beat it. Mind you that every firm has had my estimated taxes for 2019 and beyond to be at least {$700.00} as you can see on XXXX XXXX  quote attached and also you can see on Intercontinental Capital Group 's initial loan commitment they quoted me that my taxes would be {$710.00}. 

I closed on the loan on XX/XX/XXXX with the understanding that my new payment would be {$1700.00}, down from the {$2500.00} that I was paying previously with my old loan servicer. I was promised that everything was correct and that there was no error in my new price quote for closing. Please refer to this email between me and XXXX XXXX From : XXXX  XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/2019 XXXX XXXX  To : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX - Loan Commitment " I'm not comfortable with signing with a notary until I hear back from you all on final details on my loan. I still have some questions that have yet to be answered about my interest rate and final numbers and also about my escrow account from my previous loan being sent back to me. '' The next email sent came from the individual below who set up a phone call to ensure that the final number was correct and that my escrow account was on without error for closing. 

XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  to me For sure, I will be calling you shortly, our closer is working on your file. 

They proceeded to send my loan for closing to XXXX XXXX XXXX who was aware of the entire situation of the taxes being intentionally filed short of required standards. 
Their contact information is below. 

XXXX XXXX Escrow Officer/Office Manager XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Ext : XXXX Fax : XXXX Email : XXXX XXXX XXXX short I was given a misquoted escrow account at my expense due to negligence and shrewd underwriting practices of the Intercontinental Capital Group. To explain further they sold the loan to XXXX  XXXX XXXX XXXX shortly after they refinanced my loan. And now XXXX  XXXX XXXX XXXX wants me to pay for the negligence and shrewd underwriting practices of the Intercontinental Capital Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: DISCOVER BANK
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: WA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX 2019, XXXX XXXX add a hard inquiry on my credit reports.

On XXXX XXXX 2019, XXXX add a hard inquiry on my credit reports.

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 2021-01-04 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: WA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit reports.

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 2021-01-04 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: TX

Complaint narrative:
I contacted Equifax on XXXX XXXX via letter of the error on my report of the Office of the Attorney General Child Support showing i am owing them XXXX. I contacted them and discovered I DO NOT OWE! It is on my credit in error and I am attaching a copy of my report from XXXX  to show they are reporting {$0.00} balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MD

Complaint narrative:
( AMERINATIONAL COMMUN ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( XXXX XXXX ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH THEM

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 2021-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX I signed onto my XXXX XXXX Account and discovered a new loan past due added. Which stated Navient for XXXX on an original loan amount of XXXX. Some date of XXXX do not remember exactly Transunion dispute can provided. I disputed through Transunion dispute '' this is not my account ''. I was contacted by a person from Navient after 3 disputes sent, they stated ohhh it is actually XXXX. I asked, I do not remember this loan can you send me a copy of the original loan? Yes, but your delinquent have to deal with XXXX sent paperwork from them, made agreement XXXX dollars a month then was transferred to XXXX account. Spoke with them today ok can put in forbearance. Once again asked about original loan information, was told to call XXXX all the information they have is it was due to start for payment on XX/XX/XXXX. I still do not know original loan date. I still do not know why If this loan was due to start in XX/XX/XXXX at the amount of XXXX. I was not contacted or have had no more info on this loan, until I find it reported on my credit report in XX/XX/XXXX at almost triple the amount of original loan. What is worse is it is now XXXX XXXX, XXXX and the amount is XXXX now over triple the amount. All anyone want to provide is well you owe this lets settle this then pass it on. No one wants to explain why this loan comes out of nowhere years later at extraordinary amounts, you are past due. I feel this is very unfair lending practices where you have no chance to catch it while the loan is still at minimal to pay. After multiple calls from both I and My daughter we still have gotten nowhere and just get sent in circles. I can assume if XXXX is correct then it was a loan for my daughter and we owe it but if due in XX/XX/XXXX and original date was before she even started school then we do not. Also under fair practice then something should have been sent prior to be able to pay the loan at a reasonable time before all this interest and late charges .Also, some loans have already been paid off and I do not have records from XXXX to check if this has already been paid my bank has been bought out twice do they keep micro records?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: U.S. BANCORP
State: MI

Complaint narrative:
I purchased A KROGER REWARDS PREPAID VISA DEBIT CARD AND I CAN NOT USE THE FUNDS I PURCHASED.

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
I got visa card sent that I didn't apply for

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 2021-01-04 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: FL

Complaint narrative:
Hello, I think there is a big mistake in my report as I found accounts that I do not recognize you know?! I have no idea how these items ended upon my credit report. I do not have any contracts or agreements with these companies actually so delete these accounts from my report. I am requesting you to remove them as its pure identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
After working extremely hard to fix my credit for years and busting my XXXX to make money I finally had the chance to apply for a Chase credit card. After I filled out my most recent application on XX/XX/XXXX they requested documents on my income. I uploaded documents of my accounts and never heard anything back. I called a couple times to get updates but finally on XX/XX/XXXX I was able to get some information. Everything I sent them wasn't good enough. The money is there and the income is there. I have offered to send them anything they need but nothing I offer is good enough. They are asking where the money is coming from and I tell them over and over the money comes from options trading and stock investments. All of the information is in my accounts. I have offered to send them detailed information of all of my buying and selling but they say no, you need tax returns. I will not have tax information for months and they know this. Every piece of information I offer them isn't good enough. This is insane. I am being discriminated against. They know exactly what to ask for that people can not get. They are professionals at discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Nationstar/ Mr. Cooper did a loan modification & they added thousands & thousands on to my mortgage they mishandled my modification then put on my credit report I missing payments not true & sold my loan to XXXX XXXX for more then I owe. Still has much on my home loan as I did when I first bought the home in 2006??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUOFF MORTGAGE
State: MI

Complaint narrative:
We were not provided our closing cost until 24 hours from closing. 
Our loan officer did not inform us that our mortgage payment would be more we didnt find out until closing. 
Our loan officer told me in writing that my fiancee could be added to deed at closing we didnt find out that she could not be added until after we closed. 
Our interest rate was changed We were provided 4 different final amounts Our mortgage payment was changed from {$840.00} per month to 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 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I was a customer of XXXX XXXX XXXX XXXX, I changed insurance companies and went to XXXX XXXX effective XX/XX/2020 Policy # XXXX. I called and notified XXXX of the change and that I would not be renewing my policy with them. They continued to enforce the policy under the COVID19 assistance program, which I did not need, nor did I ask for. After two months of this continued billing, they charged me {$430.00} for insurance coverage that I called and cancelled, did not request an extension nor did I need the insurance. 

XXXX has now sent the account to Credit Collection Services, XXXX XXXX XXXX, XXXX MA XXXX for collection and it has been added to my credit profile.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have been trying for two days to resolve the issue of my " bank '' refusing to deposit my {$600.00} stimulus payment into my account. I know several people who use the same " bank '' who have already received their payments and yet I have received a big XXXX nothing. What's worse than the hoarding of the money that is due to me, when I confront them about it, they continually bold faced lie and tell me that they " haven't received it '' when I know full well that this is a lie and they are covering for the fact that they were caught holding my money. I gave them a XXXX XXXX deadline to give me my money and this deadline has now passed and Chime continues to lie and refuse to release the money I know full well that they have. Therefore I have initiated a complaint to force them to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Thank you : The items in dispute appear on my trans union credit report. Under collections they have two items listed from XXXX XXXX XXXX the collection agency for XX/XX/XXXX. I have had the same job for 25 years and use XX/XX/XXXX for my children. for this time period there were dozens of bills paid before and after these bills. As i have told them over and over THEY BILLED IT INCORRECTLY and therefore the insurance company wont pay the bill. 
This was totally their fault they waited to long and are Now fighting to have the bills paid But are being declined for untimely filing according to My insurance company XXXX XXXX. 

I have continually asked Trans union them to remove this from my credit report and asked XX/XX/XXXX and XX/XX/XXXX to remove it from collections but have had no success. This is costing me money at this point and Im hoping to get some relief from this complaint

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 2021-01-04 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/21, Specialized Loan Services flagged my XXXX credit report that my loan with them was " 119 days, 4 payments late. This is not true ; we had negotiated a " covid '' loan modification, which they proposed. I signed the agreement in XXXX, but then they said there was an error made by them in the documents, and I resigned. 
There must be some penalty that can be imposed on them for making bogus entries on m y credit report, hurting my credit when they know full well that we had an agreement that modified the monies that were in forebearance.

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 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have given all supported documents pertaining my account that nothing was fraud on the account had the other party open and bank account and the company still will not release the funds it has been a lot of discrimination going on once I called the bank with other party account information the bank closed is account well a one individual requested it be close they have been giving me a hard time and I also filed a discrimination claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
company has committed fraud pursuant to 12usc 1431 because they are not authorized to issue credit only debt. also the alleged credit card does not meet the definition of a credit card In accordance with 15 usc 1602 ( I ) and according to 15 usc 1602 ( g ) the bank does not meet the definition of a creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: GA

Complaint narrative:
The servicer for my second mortgage is claiming that they are still going to report a 30 day late ( previously a 60 day late that they did fix on my credit report ) for a late payment that was due XX/XX/2020 and not paid until XX/XX/XXXX. This payment was not able to be made due to the co-borrower on the loan being locked out of being able to pay though the online website, unable to have anyone from Statebridge answer the phone, and past payments being lost by Statebridge. When the co-borrower tried to have this resolved and was able to actually have someone from Statebridge answer the phone they stated to her, that they would not be able to help her because she was " not on the loan ''. This was only resolved months later when they put the co-borrower on the mortgage in their system as a co-borrower. She made every attempt to pay - frantically called with no one answering, locked out of the website, emailed, and was told she was not on the loan and could not pay over the phone. Sending in the check would not have helped because of Statebridge losing payments, only correcting the matter over a year later with Statebridge refunding the late charges of receiving a " late payment '' that was, in fact, not late but lost by this company. Every attempt was made to make the payment, but it was either impossible or rejected by Statebridge, none of which is the fault of myself or the co-borrower so it should not reflect on either of our credit reports and needs to be corrected by Statebridge.

Company response to consumer: Closed with explanation