vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened an XXXX XXXX credit card in XXXX and also set up the auto-payment feature. It turns out Bank of America only charge me the minimum balance payment but not the full credit payment and as a result, I was charged credit interest since then. A lot of people have openly complained online about this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX When I called the bank of America yesterday night ( XXXX ) to clarify this issue and told them this is the 1st time in my life to be charged for credit card interest, I requested them to refund full or partial of this interest. The bank of America representative blamed me to make the mistake and refused to refund any interest charged. 

It reminds me of a similar issue with the other credit card I have with the bank of America. At that time, the auto-pay setup somehow also only deduct the minimum balance but luckily I notice this situation and manually make the changes to prevent interest charge. 

All my credits card are set to pay the full balance automatically but only BOA has the issue and charged me interest. 

the bank of America seems intentional does this to earn greedy money and refuses to return this interest charge. I was charged 4 times so far and believed I will be charged another time for XXXX. 

Posted Date Reference Number Payee Address Amount XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX On the other side, I am uploading my XXXX XXXX checking account screenshot from XXXX to XXXX to show that I always have enough fund to pay the full balance of this BOA XXXX XXXX credit card ( It's just around {$2000.00} but interest charge has accumulated to around {$200.00} charge ). It's their misleading/intentional setting that results in this interest charge. My other BOA credit card is set to pay in full and never involved in any interest charge. I should be compensated for this loss.

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 2021-06-17 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: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
Select Portfolio Servicing is reporting erroneous lates on my credit file. I have a mortgage through them that is being paid by my ex-wife under the divorce decree. At some point in time the loan did go delinquent but i was not aware. As the loan is under my name i would expect Select Portfolio Services to give me a call when the account does go delinquent or any other issues occur. I was never contacted about the delinquency and was unaware of the delinquencies until i recently checked my credit file and noticed the lates. I am very disappointed by the fact that Select Portfolio didnt contact me about the lates as this is on MY credit file and they affect MY credit score. I never received a call, letter or notice from ether my ex-wife or Select Portfolio Services. I need these lates removed. These are not my lates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: IL

Complaint narrative:
I am very stressed and lost any hope that I can get rid of fake inquires and fraud account. Someone used my personal information and just on purpose damaged my credit score. I can not obtain any credits for my business because I have items that are not mine. Its killing me a lot and influencing my life. I am very sad nowadays, so I just want you to help me a bit and to apply investigation, after this you can remove these fake items. I need it o much like air.

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 2021-06-17 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: IL

Complaint narrative:
I am very stressed and lost any hope that I can get rid of fake inquires and fraud account. Someone used my personal information and just on purpose damaged my credit score. I can not obtain any credits for my business because I have items that are not mine. Its killing me a lot and influencing my life. I am very sad nowadays, so I just want you to help me a bit and to apply investigation, after this you can remove these fake items. I need it o much like air.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: GA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
to whom this may Concern : On XX/XX/XXXX I spent XXXX hours and 34 minutes on the phone with Lakeview Loan Servicing sub servicer is Loan care, the reason for my call to them was two fold first we are currently in the first leg of the 2 sequential 90 day forbearance extension however on XX/XX/XXXX we were fully approved and enrolled in the second leg extending until XX/XX/XXXX, then after this approval they are still sending email Notices that our forbearance plan is expiring on XX/XX/XXXX this notice came in to my email on XX/XX/XXXX 6 days after our new extension approval came in stating we are fully approved for the extended forbearance until XX/XX/XXXX, this is categorically stressful as it inherently creates unnecessary confusion as to our fha mortgage status, this needs to be resolved,. 
then our second and more egregious issue is that as of XX/XX/XXXX they are claiming that they " changed their web site and payment systems and now are forbidding any Covid 19 Fha forbearance borrowers from accessing the payment portal within their https : //www.myloancare.com/pub/index.html # /Login, they have categorically failed to furnish and material legal or substantive reasoning for this unconscionable decision preventing us from making a repayment under the plan under which by their very own actual written verbiage on their website where they state as follows : " while you are not required to make payments during the forbearance plan, any amount that you can pay while your loan is in forbearance will help reduce the amount you owe after your forbearance plan expires then at the very bottom of this exact approval notice it then details how we can go online into our mortgage account and make the forbearance plan repayments within our account, however as I have stated Loan care is forbidding all covid 19 forbearance borrowers from making online payments within their respective mortgage accounts in loancares ' website this is simply abhorrent, morally defective, and unconscionable and must be stopped and the CFPB go in and enforce loan care to begin to allow fha covid 19 borrowers to make partial repayment plan payments again online [ PLEASE NOTE THAT SINCE XX/XX/XXXX WE HAVE BEEN MAKING PARTIAL PAYMENTS ALL THE WHILE BEING IN FORBEARANCE ] please find attachments showing the contradicting notices showing 2nd forbearance extension granted on XX/XX/XXXX then contradicting notice on XX/XX/XXXX stating that our forbearance is expiring XX/XX/XXXX My personal information as follows : XXXX XXXX XXXX XXXX XXXX XXXX New jersey XXXX mortgaged premises loan care mortgage account # 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 2021-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Alum Financial, LLC
State: AR

Complaint narrative:
On XX/XX/2021, I opened an e-mail from an unsolicited source named Alum Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - ( XXXX ) XXXX. 

The representative gained access to my FSA ID without my knowledge or consent. The FSA ID was altered without my consent. I received subsequent notifications to that effect. 

I was informed by said representative that by submitting application fees to process my account for student loan forgiveness in the amount of {$120.00} for a period of 10 months, after successfully completing the period, my loan would then possibly be discharged upon review. 
In fact, Alum Financial is not on the official list of authorized institutions that are, in fact, authorized to act in accordance with the Federal Department of Education. Alum Financial is further not authorized to act as a legal agent to discharge a debt on their behalf. 
I was encouraged to use 'XXXX ' to complete the application. Everything about the transaction was timestamped. Only after having signed the contract, did I begin the review of the details. A cursory review of the company revealed the likelihood that a scam was undertaken. As it happens, it is illegal to charge for filing application fees for student loan debt relief. It is illegal to gain access to anyone 's FSA ID without their knowledge. I contacted my bank to alert the fraudulent activity and requested a chargeback for the initial fee in the amount of {$120.00}. I then contacted Alum Financial earlier this day ( XXXX XX/XX/2021 ) to inform the company of my actions and to request the cancelation of services forthwith. It is my understanding that legal contracts can be voided within three business days with little or no adverse consequence.

In summary, Alum Financial is not unique as a predatory market entity. They abound across the Nation.

Alum Financial needs to be placed on the extant list of companies that are banned from their engagement in the Student Loan Servicing industry.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
My loan with SunTrust, now Truist, was put into forbearance a year ago due to Covid-19 hardships. My loan is now coming due on XX/XX/XXXX and I was sent a letter providing options to come current on the loan. I selected an option offered in the letter ( to defer the unmade payments as multiple payments at the end of the loan ) ; however, despite this being offered in writing, SunTrust representatives are telling me that I can not select that option. Any deferment has to be paid back as a lump sum at the end of the load. 

If the company provided me, in writing, an option that I am asking to choose, how can they now say " no, that isn't actually an option ''? Don't they have to stand behind what they have offered to me in writing? Written communication from a mortgage company is a valid part of the contract and I expect them to abide by their offer.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted my bank chase to inquire as to when I was going to be receiving my replacement card. Being that my current card expiration day is XX/XX/21. The bank went and closed my card without my consent no one called me my card was just closed. I called them and they told me they could reopen the card and it will be a 5 days turn around time to receive a new card. On top of that all my bills are attached to that card I already had a payment denied because the card is closed. They where extremely rude they close my card without any notification then I had to pay to have a new card rush to me turn around time 3 days. Because need to be careful with banking with CHASE Bank. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
Below is my previous complaint that was closed. Due to a life saving XXXX i was unable to follow up in the time allotted. Pennymac lied and never disclosed the information they claimed in their response. If they did it would be on the recorded call that someone was supposed to follow up with me and never did. They chose to give me a higher rate without exploring my options for a better rate and its unacceptable. My credit clearly would have allotted me a better rate but they chose to discriminate against me instead. 

Previous complaint : This company has discriminated against me and overcharged me in a pandemic. In the scurry to get my finances in order, due to this pandemic, I took the advice of attempting to refinance to get a lower interest rate. The company lowered my interest rate but charged me excessive fees that made it not even worth it to refinance. I attempted to speak with my loan officer who told me I would be saving a lot of money and explained it away. I was also told to hurry along as I wouldn't be able to take advantage of a lowered interest rate for long. My nerves and the desire to keep my family intact with a roof over our heads and somewhere to retreat from this virus believed him. I now know and understand that this treatment was discriminatory and downright despicable. They paid off their own loan for refinance at XXXX and started my new loan at XXXX. It wasn't until i completed a refinance with a different company that I realize this picture was all wrong. I attempted to speak with the loan officer XXXX XXXX who refused to return my calls starting XX/XX/2020. After I was pushed through I attempted to contact the company and speak with someone. All attempts to contact them I've been hung up on or transferred and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had went thru bankruptcy. And then was ok but seriously almost death 2 XXXX  I became XXXX fell behind ended up haven't to stop paying the super 12 % interest citi mortgage as was focused on trying to save home as chase was foreclosure in process ok so get chase to modify some then had reached out in XXXX  to citi bank to start paying some how to fix the mess and was told 2 different times ( my wife made me call 2nd time to hear what was said ) but at that time I was told loan had been charged off ..and there was no department to talk to ... so here I am thinking ok ..presents from XXXX ... ... .by my calculations I had in 10 yrs of being trapped in this loan 12 percent paid them XXXX which is XXXX over the original mortgage amount I taught ok great they wrote it off on tax or something but now trying to refinance home to get lower rate from 8 to 3.25 ... .well citi bank comes up as a lein I tried to set up something to fix this and they told me a dream lie. ... predatory Leander 12 percent fast talking sales got me roped into this mess. So I not happy now I more likely can't get refinance. And they have made profit of XXXX above already. Help me please

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 2021-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On the XXXX of XXXX I sent in my dispute letters to the bureaus because I have false information reporting on my credit report and I want that misleading information off immediately. I waited 30 days like I have been advised to and I have heard no response from the bureaus. I feel like I am not being taken serious and taken advantage of because I am a consumer. Section 611 ( a ) Cleary says that a failure to investigate these items within 30 days gives a reason to delete those items off of my credit report. I am demanding that you remove these items off my credit report or litigation will be filed due to the stress you have caused me. My information was also affected in the Equifax Data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: VA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was working on a refinance since XXXX with Wells Fargo. After several documents sent that were requested from the lender my loan was denied due to insufficient income verification six months later. 3 years tax returns and several XXXX XXXX XXXX statements were sent with 6 months of bank statements and they still couldn't figure out the income due to me being self employed. I applied with another lender quicken 3 weeks ago and we have already closed. It seems there are several issues Wells Fargo Mortgage.

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 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage is refusing to respond to our request for the payoff statement to our current loan. The original loan was only under our father 's name and he passed away few years ago. The title of the property has been under my parents, myself and my wife for the last 15 years. After my father passed away, the title ownership continued to remain to 3 of us due the the joint tenancy in the title. Our loan officer originally requested the payoff from PHH on XX/XX/2021 which included the following documents. 

Full appraisal of property due to PHH demand for an appraisal Death certificate of our father, XXXX XXXX XXXX XXXX of me and my wife Written Certification and authorization form signed by us to request the payoff Title records showing legal proof of ownership of the property It took PHH mortgage 's XXXX department 3 weeks to confirm that the title records show sufficient proof that we are the legal owners of the property. After that they claimed that it would take 4 business days to receive the payoff statement. Today we received another email from PHH that we do not have sufficient authorization to request the payoff starting the process all over again. We are not sure whether they are doing this on purpose or that they are that incompetent. All we know is we have wasted our time and our loan officer has advised us that it would cost us additional {$1600.00} in fee to extend our lock for the refinance if we can not receive the payoff statement immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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:
Equifax is continuing to report XXXX XXXX in error on my credit report. I disputed the item with no results. XXXX  has already deleted this item because after proper investigation, they proved the error to be inaccurate and invalid.

Company response to consumer: Closed with explanation