vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I signed up for an account with Citi ... the rep I spoke with, XXXX XXXX, had issues with her computer system right as we were about to complete the 2 hour enrollment process. She then transferred me to another rep named XXXX to finish the enrollment. XXXX messed up the enrollment somehow signing me up for accounts that I had not spoken about and a different promotion altogether. She also messed up the funding of the account as well by duplicating the initial transaction to fund the account. This resulted in {$5000.00} being unaccounted for and a fee being assessed to my account. This apparently happened because the same exact check number was used twice. I called back in after several days and as luck would have it I re-connected with XXXX XXXX. XXXX assured me she would help to fix the issues. She would apply the correct promotion and convert the accounts to match the promotion. After another hour or two we disconnected with a plan to fix the issues. She did call me back as originally planned and instructed me to take the funds out of my recently converted account ( this way it could be properly funded per the promotion guidelines ). We ended that call with a commitment to reconnect in the first week of XXXX to properly fund the accounts. Unfortunately XXXX never called me and now the time frame to fund the accounts for the promotion has passed. I called again today and spoke with two people, one I can not recall and the other was a supervisor named XXXX who eventually hung up on me after I asked for his last name or initial. Needless to say he was not be able to rectify the situation. Their response was I had two options, close the accounts and try again in about 6 months ( 180 days ) or to fund the accounts per the promo and submit a dispute after the promotion time frame had ended and hope to get the promotional money.

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 2021-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
This complaint is in regards to not receiving answers to the questions that I had/have surrounding this account ; XXXX This account was transferred to my current servicer ( Rushmore Loan ) in XX/XX/XXXX, from the previous servicer ( XXXX, now known as Community ). At the time of transfer, I was and still am being assisted by a third party that is currently payment my mortgage ; XXXX XXXX  of Illinois. What I believe that has happened is that XXXX participated in fraudulent activity ( withholding funding to escrow to forward to my new servicer ). 

These actions placed the account as a deficit which has increased my mortgage payments from {$650.00} to {$950.00}. I have tried repeatedly to have answers on how to bring the account to the point where the payments are back at {$650.00}, I have not received any options at this point. There is absolutely no way that I will be able to afford the new amount of {$950.00}, and I have said this repeatedly. I have withdrawn the mortgage insurance, it will no longer be escrowed. I was told that it couldn't be done, due to the recent modification. However, no documentation was provided to confirm that statement. 

A second mortgage in the amount in {$5600.00} that is due in XXXX is currently being reported on my credit reports. I inquired as to why this was happening, and again, no answers. 

My final payment with XXXX XXXX  will be XX/XX/XXXX. At that point, I will be left to deal with Rushmore Loan Servicing alone. I need resolution, immediately. This situation is a complete nightmare, it almost appears as though Rushmore wants a delinquent account for submit for Foreclosure. 

Also, my account is with the Loss Mitigation Department and I do not know why. No one has informed me of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
XX/XX/XXXX I reached out to my loan officer at Columbia Bank regarding payment deferral options. I did this because my partner and I 's business was shut down by a county and city order. Due to the initial uncertainity of the pamdemic I wanted to conserve money for operational costs that would be ongoing. The process was very simple, the loan officer emailed that I was qualified and sent a one page Change in Terms Agreement form ; attached. As a result the payment for XXXX, XXXX, XXXX, and XXXX were deferred and I resumed regular monthly principal and interest payments on XX/XX/XXXX. As I understood as stated in attached document. 

XX/XX/XXXX, by mail I received a paper statement, I immediately noticed my payments did not apply towards principal, only interest. Prior to the deferral agreement being executed, principal and interest were not in question. I reached out to the bank and was told that principal would not be applied until the accruing interest durning the deferment period was paid in full. I could not find nor was I informed of that wording in the new agreement. In order to get the monthly payments to be applied to principal, and interest, I immediately paid over {$2700.00} from my savings. This was my best option in order to stop the interest and get back on track. Now I needed to figure out how this happened. 

I have reread the Change In Terms Agreement as well as the subsequent explanation from the loan officer. I do not believe the document provided, nor the attached emails with the loan officer, to execute the loan, sufficiently explained the Change In Term Agreement. Nor to my understanding, resumed payments would not be applied towards principal and interest as they were prior to this agreement were properly conveyed to me by my loan officer. 

Had I been provided and properly explained all the information from the lender, to make an educated decision, I would have declined using the deferment as part of my strategy to get through the uncertain times of this pandemic. A consumer should be heard and appropriate considerations should be taken in to account by their lender. I have attached our correspondence and document regarding 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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i contacted equifax credit bureau on numerous days XX/XX/2021, XX/XX/2021, and XX/XX/2021, they have my credit report locked with inaccurate information including removing a fraud alert from my account making it hard for lenders to issue credit lines to me. i have no issues with other bureau companies except these idiots. i have called numerous times and they have either lied about receiving my documents to allow me to get into my account and i'm fed up the next step is legal action because this is ridiculous. they have caused so much stress with this situation and now they're still requesting for personal identifications which i don't trust sending again because they have just received a security breach lawsuit against them. these people are not trustworthy credit bureau who needs to be out of business. they're lack of concern for consumers is ridiculous. it is a shame that i must submit a complaint against this company in order to have my account unlocked which they have also anonymous inaccurate security questions that don't pertain to me at all and now i'm unable to login to my account because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
They reported a late payment in XX/XX/2018 which was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX of XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX ( Sales Manager ) and XXXX Credit, XXXX XXXX XXXX Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX credit inquiry and 1 letter from XXXX XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX Credit ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX of XXXX XXXX XXXX Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX  XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from XXXX  and XXXX XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX letter ) ** XXXX XXXX XXXX, XXXX XXXX ** ( see File 1 ... ) ** XXXX XXXX XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX XXXX Credit Step 5 - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of XXXX 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 2021-01-13 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX XXXX  XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX ( Sales Manager ) and 700 Credit, XXXX XXXX ( Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries XXXX letter my wife XXXX XXXX XXXX 1 letter from XXXX  credit inquiry and 1 letter from XXXX  XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to 700 Credit ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX XXXX XXXX XXXX , Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from XXXX  and XXXX  XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX  letter ) ** 4 700 Credit, XXXX XXXX ** ( see File 1 ... ) ** 1 XXXX  XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX 700 Credit Step 5 - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of 700 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 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used the XXXX application in Chase bank yesterday on XXXX2021 to send a {$1000.00} payment for a XXXX  from XXXXXXXX  after the intinerary never came thru today and the contacts stopped responding to me., I believe Ive been scammed. I contacted Chase bank and asked if theres anyway we can stop the payment and was told that because I used that application, nothing can be done. What a disappointment.. not only do I feel stupid for trusting a XXXX  company who scammed me out a ton of money.. but after I was told nothing could be done at Chase, I had to ask if they could flag the number I used to send money to or something to make sure others are safe from this disappointment.. the guy helping me said oh yeah sure.. give me a second.. it should probably be automatic you flag to protect others and not wait for a customer who just lost a thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mountain West Financial, LLC
State: CA

Complaint narrative:
I have tried vigorously to remove the Private Mortgage Insurance  payment with my lender, Mountain West Financial Inc, but have no results due to the lack of help and attention to my request since XXXX of 2019 to the present. I was forced to apply for a second time due to the fact that Mountain West Financial Inc during the time my first application was been processed changed the servicing of my loan from one department to another and my application was lost. Again I had no other choice but to apply again and pay once again for a new appraisal and BPO. Now that the appraisal and BPO was completed, the appraisal came in at {$460000.00} and my mortgage balance is at {$350000.00}. That puts me at 76 % LTV, under XXXX XXXX Guidelines, once you've built equity of 20 % in your home, you can cancel your PMI and remove that expense from your monthly payment. PMI will automatically terminate on the date when your principal balance is scheduled to reach 78 % of the original value of your home, again Im at 76 %. The way Mountain West Financial Inc has handled this matter is unacceptable, fraudulent, irresponsible, frustrating and I have no other choice but to seek help from your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I used my Chase credit card and the charge was declined. I immediately called Chase to ask why this happened and they said they have no info to give me over the phone and that I should expect to receive a letter from Chase. Thereafter, I received a letter dated XX/XX/XXXX20 stating only " We have decided to close your accounts. After a recent review of your accounts, we have decided to end our relationship with you. '' I called the number on the letter XXXX to inquire about the account and reached the Compliance Dept. They recited to me " we reviewed your account and determined that we can not maintain your account ; and as a result, made a final decision to close your account. '' That was it!! The Chase representative said he had no other details on our account and can not direct me to any other depts at Chase for me to speak to. Chase unilaterally closed our bank accounts without giving an explanation. Also, when I went to another bank to open a new account, that Bank opened a new account and closed my account the next day. Apparently, Chase closed our account and presumably reported the closure on check reporting companies so that we can not bank elsewhere. Also, I tried to open a new credit card and got denied with a credit score of XXXX?! I also had high balances in both my personal checking and savings accounts with no overdrafts, etc. I need ANSWERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
This is going to be a second time I am complaining about this Collection agency that Acts as a Lawyer on behalf of Plaintiff. 
If the principal purpose of your firm or your law practice is collecting consumer debts, then you probably know this already, and you know that you are a debt collector under the statute. See, e.g., Scott v. Jones, 964 F.2d 314, 316 ( 4th Cir. 1992 ) Therefore as I requested multiple times not statements, not a contract but an " assignment of Debt '' or " bill of sale '' of this debt, I still never received. 
I have recently received a demand again for payments and threat to garnish my salary or freeze my accounts. 
In this light than, as youre already aware, since 2015, with the State Attorney General of New York and the Credit Reporting Agencies, all companies, data furnishers and debt collectors must abide by the new Metro-2 data format and must CERTIFY in their Universal Data Forms that all information being submitted is equivalent to a sworn declaration, or else you may be liable for perjury with substantial fines. Please provide to me what I have requested so that you are protected as am I.

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 2021-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I have been enrolled in the Public Service Loan Forgiveness Program since XXXX. I have recertified my loans as required, and have never missed a payment. I am approximately 7 years into the program. Each time my loan splits into separate loans because of the maximum balance allowed, the payments are not updated. I recertified in XX/XX/XXXX, and am now showing only 10 qualifying payments. I have reached out numerous times and all but 10 of my payments since XXXX are under manual review. They have been under manual review for about 6 months. Each phone conversation I have has resulted in no advancement in the updating of my PSLF status. I am given vague answers with reasonable time frames to expect resolution, however my payments continue to be uncounted and my account remains outdated. I need this updated so I can plan when my loans are expected to be forgiven, and be sure I am being credited accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have late payments on my mortgage They never helped me

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 2021-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
with a credit score of XXXX I have been denied a pre-qualifed offer from Capital One Auto Finance. Reason unable to verify sufficient income. What steps were taken to verify sufficient income?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account is still being reported on my credit report as 7 years.

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 2021-01-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$940.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not 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 explanation