vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A card was issued under my name on XX/XX/18, however, I did not apply for credit. Im in the process of purchasing a new home and I have not opened any new credit. This fraudulent incident caused my credit score to decline and could ultimately effect my interest rate for the purchase of my new home this is imperative to me. I also, do not understand if I pay XXXX to monitor my credit and my report was and is locked how did this happen? I need to have my name cleared and my credit score restored as soon as possible as I mentioned this will affect the purchase of my new home. Thank you in advance for your prompt attention to this matter.

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 2022-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My Husband who is the Veteran passed away very unexpectedly at XXXX years old. We have two young children who at the time were XXXX and XXXX years old. I his wife, have been struggling to make payments. Just last month I began to receive the Veteran benefits. I can make the payments now but Freedom Mortgage will not work with me. I sent them documents they requested XX/XX/XXXX. I never received a letter with a direct contact in regard to my financial hardship. I would call and get a different customer service employee and see what else I needed. It was always a different person and at times they would say there was nothing they could do. I reached out to a friend that is helping me now. XX/XX/XXXX We called Freedom Mortgage together to request the auction be postponed asked for a the loss mitigation forms. They said it was out of their hands. Then we asked if they received the documents I had sent. They representative finally found them and we begged for help. I am not on title or the loan. I just have a letter that my husband wrote. She told us to do a loss mitigation package which was what we want in the first place. We couldnt get one online due to the account passwords being my husbands. He handled all the bills. We called back XX/XX/XXXX the representative now said we need to do a successor in interest. We requested again that they please postpone auction so we have more time. She said they cant. I said I can make a payment now and they said I would have to pay XXXX. I dont have any money jus t now my VA benefits. And they cant email form or FAX it. It has to be by mail. They were suppose to send the form so I could get auction postponed and save my home. It still has not arrived today XX/XX/XXXX. The first representative mislead me. I told her everything. I can not afford a lawyer. I need help. This is the only home my children and I have. I am very scared for our future.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was living at apartment ; they reported not paying the water bill as rent. 
At the time i wasnt living there but my name was on the lease. I asked my ex boyfriend did he get notice of this as for the management saying we had to pay he said no he didnt see any bill. 
I left for XXXX training XX/XX/XXXX i had moved out but my name was on the lease. Instead they took the mater to court i was unaware that they sent it to court. 
I moved out sent plenty of emails and visited the apartment complex to remove my name from the lease. They prolong the situation to remove my name from the lease. I left MD in XX/XX/XXXX. I had removed my name from the lease.

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 2022-01-29 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: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2022-01-29 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: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
Please refer to Claim # XXXX This issue has not been resolved. I am still showing error marking on my XXXX Credit Report. Per XXXX they must update AND REMOVE wrong late, missed payment marking reported. 

I have been trying to correct this since XX/XX/2021 and still not corrected. I have called XXXX several times and nothing has been done. I emailed, called and sent letters and still the same. 

I am requesting that Innovate Loan Finance please remove late markings from XX/XX/2021 and XX/XX/2021 immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-01-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank is not honoring the pricing on the commitment letter for a Mortgage refinancing despite the issue being a bank error. Details are below : I was given until XX/XX/XXXX EOB to upload documents showing sufficient reserves The application was prematurely denied on XX/XX/XXXX prior to the deadline set forth in the attached email I submitted documents showing sufficient reserves in the morning of XX/XX/XXXX which were accepted and my application was approved. 

Because the application was prematurely denied without allowing sufficient time for me to upload documents, when they were in fact uploaded by the XX/XX/XXXX deadline, my application was conditionally approved but not at the pricing set forth in the commitment letter. 

This is a violation of the terms set forth in the commitment letter by which the lender is obligated to make a mortgage loan at the pricing set forth in the document. 

Original commitment letter pricing for XXXX XXXX XXXX locked through XX/XX/2022 : .25 % points, 2.875 % fixed for 360 Months which Ally Bank has denied the request to honor. Instead they are offering the current market rate which is substantially higher costing me thousands of dollars more. 

In addition, I was informed at the time of applying, sales of collectible assets would be qualified as reserves as long as an audit trail was submitted. For this reason, I did not apply with any other institution as I was told a number of times that those assets would qualify as reserves. I was later told after processing my application that those assets would not qualify. The bank admitted to miscommunication but never moved to resolve the issue despite their error. 

Continued violation of bait and switch, miscommunication, and premature denial of application resulting in thousands of dollars in potential consumer losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I have a Spend Account with Credit Karma. My entire payroll check is directly deposited into my account and my account has been frozen. I have contacted customer service who tells me my account is " under review '' but can not give me a reason why or a number to contact to determine the issue. Customer service also informs me that I am able to use my debit card but I can not. I also have an auto payment which came back as account frozen. No one knows what the problem is and I have no access to my money. I have rent and car payment due and can not make any payments or withdraw money. I am attaching the last email I received from them. It indicates I am trying to open an external account which I had not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
Loan Depot XXXX. XXXX. I shopped around for mortgage lenders and compared fees. I ended up going with Loan Depot, Loan XXXX XXXX XXXX who promised me Loan Depot would meet or beat any lenders price and fees. XXXX also told me he would cover the costs beyond my deposited amount of {$490.00} required for the appraisal to get the appraisal scheduled. I was very adamant about not wanting to pay more than {$490.00} in total for the appraisal albeit on my credit card or added to the closing costs. He agreed and said he would cover it. I felt comfortable accepting his word because every time he said WE WERE ON A RECORDED LINE. When the appraisal was done, the costs of the appraisal {$1800.00} - {$490.00} were added to the loan. I asked him to fix it and he didn't respond for almost 10 days. XXXX XXXX who works with XXXX reached out to me for more documents which I immediately provided. I told XXXX to elevate the issue since I had not heard from XXXX and that LOAN DEPOT committed to cover the appraisal costs beyond {$490.00}. She said she would listen to the recorded calls. I then received a heated call from XXXX XXXX, XXXX 's manager who said XXXX did not make this commitment and that I either pay or they would refund my deposit and cancel the loan. I asked him to play the recorded calls to hear XXXX 's commitment and he wouldn't. I then got an email from XXXX 's replacement, XXXX XXXX, asking me to fund the closing amount on the loan. Also advising that XXXX was no longer with the company. I then called Customer Care at Loan Depot and after 7 tries, XXXX XXXX agreed to listen to the phone calls and call me back with her findings the next day. She didnt call so I called and talked to XXXX XXXX who put me on hold for about 3 minutes. He then told me management listened to the calls and didn't hear anything regarding a commitment for the appraisal costs. I asked to hear the recordings and the call logs to verify it against my cell phone which tracks this log and time duration of each call. XXXX said no and that he couldn't help me any further. I bought down to a lower interest rate and now rates are higher. I want this refinance. How to I prove Loan Depots commitment if I can't obtain the recorded calls? Do recorded calls only work for the benefit of the lender and not the consumer. Thanks, hoping for a positive outcome. Loan depot now closed my loan and plans to.refund my {$490.00}. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I Opened a new Citi Business Checking Account Within 30 days of account opening, made a deposit of {$30000.00} into my account. 
I maintained that balance for 60 consecutive calendar days. 
I am still waiting for my {$700.00} bonus

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 2022-01-29 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: GA

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft! Please remove these inaccurate accounts immediately. I did not authorize these accounts. I'm unable to get a job in the career I worked hard for. This is starting effect my goals with purchasing a home and effecting what I'm able to do and provide for my family and as I have a baby on the way. This is defamation of character.

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 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Marlette Funding, LLC
State: AL

Complaint narrative:
Mislead by the terms of Best Egg and XXXX all the information was falsely given about the terms and late fees its predatory calls against A XXXX women they treated me so bad.. I lost my job due to COVID -19 please please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
There is a discover account on my Equifax report that was opened fraudulently. XXXX and XXXX have already blocked this account but Equifax has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: MO

Complaint narrative:
My XXXX  child who wasn't authorized charged over {$4000.00} on my credit card and they are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
on XX/XX/2022 I sent debt collector " Lakeview sub serviced by XXXX XXXX XXXX XXXXk '' a written request of debt verification and also a written itemization of the Finance Charge and Amount Financed on XX/XX/2022 it was delivered and picked up.

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 2022-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I need your help negotiating with a mortgage company engaged in what I believe is deceptive practices. Let me briefly describe the situation. My wife and I have been devastated within the last 8 years by the loss of both sets of our parents to XXXX, as we were their primary care takers. Shortly after my wife battled XXXX XXXX and just recently went into XXXX. Coupled that with the cost associated with graduating two children from XXXX XXXX, and XXXX XXXX Universities. In addition to her receiving her XXXX 's and me a XXXX XXXX and we still have our youngest son scheduled to graduate from XXXX University in XXXX 

After enduring tremendous hardships, financial burdens and Covid -19 we went into foreclosure. But, we were financially able purchase home before auction in XXXX. But, in what I believe to be deceptive practices by the mortgage company. To steal our home we owe {$160000.00} on a {$280000.00} loan they switched mortgage companies at least three times. Each time not taking calls or returning emails. Finally, I was able to explain to the Judge at the last hearing how evasive they have been and she saw fit not confirm the sale of my home back to the same bank and gave me 60 days to negotiate with the bank. Now I'm still getting the run around from the law firm and the bank about starting negotiations. Meanwhile, I have a verified mortgage approval letter in hand. I want to schedule a meeting asap. 

Regards, 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 2022-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX, I made excess contributions to my XXXX account at XXXX. Early in XXXX prior to the tax return due date for XXXX, I requested a withdrawal of the excess contributions made in the XXXX tax year ; this was processed on XX/XX/XXXX. The form they provided for requesting this return had no way to indicate which tax year the withdrawal was for, and they attributed this withdrawal to the XXXX tax year instead. I mailed this form prior to making any contributions for the XXXX tax year ( with the exception of some contributions incorrectly applied to the XXXX tax year which were subsequently reversed ). 

Upon contacting them today ( XX/XX/XXXX ) immediately upon receiving my tax forms from them, they indicated that XXXX excess contribution withdrawals are always applied to the current tax year, which is incorrect, and refused to correct the tax year for this entry. This resulted in my tax liability increasing by {$7.00}. 

Please see attached : XXXX. 2021 year tax forms from XXXX. Note that a line item is available for " Excess contributions plus earnings for the XXXX tax year that were withdrawn in XXXX '', but the withdrawal is incorrectly categorized under " Excess contributions plus earnings for the XXXX tax year that were withdrawn in XXXX '' XXXX. Statement listing excess contribution withdrawal, with no indication as to which tax year it was applied to XXXX. Excess contribution removal request form, with no way to indicate the tax year it applies to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I live in San Diego, but I was in XXXX on XX/XX/XXXX. I was charged for XXXX food on XX/XX/XXXX ( XXXX XXXX XXXX - {$24.00} ) in XXXX XXXX while I was in XXXX. 

The thing is I placed charges on the same credit card in XXXX on XX/XX/XXXX thus verifying I was indeed in XXXX ; I also have receipts of plane travel to/from XXXX as well as the hotel I stayed at in XXXX on this exact date. Essentially, it would be impossible for me to eat at a XXXX restaurant on XX/XX/XXXX in XXXX XXXX and also be in XXXX at the same time. 

Once I noticed the fraudulent charge upon my return from XXXX, I called Chase to dispute the charge and request a new credit card. I then received a notice from Chase on XX/XX/XXXX letting me know that I would indeed be charged for the XXXX food ( XXXX ) on XX/XX/XXXX even though it is literally impossible for me to be in two different cities at once. 

I am filing a complaint because I did not make this charge. Again, I have charges on the same credit card in XXXX alongside plane/hotel receipts. Im sure I could even request surveillance footage of me at the hotel if need be. I am requesting the {$24.00} that was credited to my account indeed remain on my account as this truly was a fraudulent charge.

Company response to consumer: Closed with monetary relief