vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA

Complaint narrative:
This involves a mortgage loan that I applied to Sun West Mortgage Company for and received an initial loan estimate for on XX/XX/2021. I decided to pursue the mortgage through Sun West and did end up going through with the purchase and financing with Sun West. My issue is that, as we approached the closing date, I received a closing disclosure ( dated XX/XX/2021 ) that reflected quite a big difference in costs than the initial loan estimate. After looking into it further, it seems that pretty much all of the title costs, including lenders title insurance, were omitted from the initial loan estimate. This resulted in over {$1900.00} in title fees that werent anticipated. The initial estimate for monthly mortgage insurance premium also doubled. The total loan costs increased by 107 %. There was some creative arranging of the closing disclosure to make it look like nearly the same cash to close number, but that didnt take into account the {$3400.00} cash deposit I had already placed in escrow. 

I confronted the lender on these discrepancies and let them know that I had looked at the regulations and was aware that there were not supposed to be these kinds of increases in-between disclosures. I made a fairly big stink about it, which resulted in an updated closing disclosure ( claiming that the wrong version was sent the first time - I also didnt think those disclosures were supposed to be updated like that once they were sent ). This disclosure included another {$2400.00} in lender credits which looked like an attempt to compensate for the additional fees as compared to the original loan estimate, and miraculously got me back to my initial cash at closing amount. The doubled monthly mortgage insurance premium was not corrected, however. 
When you compare the final loan terms to the initial estimate, the interest rate was the same 3.25 %, but the monthly payment went from {$1600.00} to {$1900.00} ( a $ XXXX difference note that the monthly escrow payment was excluded from the initial monthly payment estimate but included in the final one ), and the APR increased from 3.486 % to 3.701 % ( an increase of 0.215 % ). 

When I was initially shopping for a mortgage I thought a 3.486 % APR was slightly high, but still within the range of comparables and my realtor recommended this particular lender, so I went with them. If they had shown me a 3.7 % APR I never would have pursued this mortgage ( there were some lenders advertising as low as the 3.25 % range at that time ). I ended up going through with the loan from Sun West, since it was either that or scuttle my plans to buy the house, at that point. I think their lending practices were unethical, though, and feel like I am forced to pay more than I originally agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/2021, and the subsequent response received on XX/XX/XXXX. 

Please send the following information used to verify the validity of : XXXX XXXX XXXX XXXX ACC # : XXXX XXXX XXXX XXXX ACC # : XXXX XXXX XXXX XXXX ACC # : XXXX The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute 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.

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 2021-08-05 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:
To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/2021, and the subsequent response received on XX/XX/XXXX. 

Please send the following information used to verify the validity of : XXXX XXXX XXXX XXXX ACC # : XXXX XXXX XXXX  XXXX  ACC # : XXXX XXXX XXXX XXXX ACC # : XXXX The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: MD

Complaint narrative:
XX/XX/XXXX, Experian decreased my credit score from XXXX to XXXX. 

XX/XX/XXXX, I contacted Experian who told me that I have two XXXX  credit cards. One of them ( ACCN # XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX, does not pay {$6.00} XXXX and XX/XX/XXXX. It made my credit score dropped. But I have only one XXXX  credit card which is opened XXXX XXXX. 
So I have disputed XXXX  credit card ( ACCN # XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX to Experian XX/XX/XXXX, I contacted XXXX credit card department to check my XXXX  credit card accounts, XXXX confirmed that I have only one XXXX  credit card since XXXX and I paid on time and never skipped the due date.Also, I have not used XXXX  credit card since XXXX. XXXX confirmed that I do not have their credit card account with ACCN XXXX XXXX XXXX XXXX that is in Experian credit record. 


XX/XX/XXXX, I was also checking XXXX  and XXXX. But they do not have any issues those were from Experian. 

XX/XX/XXXX, Experian sent me dispute results those do not have any updates. I still have two XXXX credit cards. And one of them has pass payment due date. 

XX/XX/XXXX, I re-contact XXXX  credit card depart. XXXX confirmed that I have only one XXXX  credit card that does not have negative issues - late payments ...

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 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On the letter dated XX/XX/2021, American Express stated that " However, we are not able to locate the two calls you referenced in which you requested a Card replacement. '' The statement indicated that American Express did not mail out any card until XX/XX/2021, one month after opening the account. And American Express did not have the tracking number of any prior shipments. So American Express deprived me of one whole month from completing the bonus requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am requesting the removal of inaccurate credit information from my TransUnion and XXXX  credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a XXXX  Credit bureau. 

I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my XXXX  and Trans Union Credit profile. 

TransUnion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Mortgage XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. 

I am also asking for you to remove all fraud alerts that you have on my TransUnion and XXXX. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. 

I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify 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 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Dear Sir, This may seem a little complicated, but I have three finance plans with PayPal Credit. Two of these are six month finance plans, where the balance needs to be paid off in six months or accrued finance charges have to be paid. One of these plans requires minimum payments and the other does not, which I do not understand. The third plan is a 24 payment plan with no interest. The documentation implies that 24 " monthly '' payments need to be made,

since the plan goes for two years. I sent a " test '' payment, in the amount of {$250.00} to PayPal Credit for much more than the minimum payment of {$77.00} to see how they would apply the payment. Instead of applying my payment to the first of 24 monthly payments due of {$48.00} on the third finance plan, they applied my {$250.00} payment first to the minimum payment of {$29.00} on the first finance plan, nothing to the second finance plan and the remaining balance to the third 24 monthly payment plan, essentially making me pay the first four to five monthly payments on the third payment plan. I have no problem with PayPal Credit applying my payment to the minimum payment of {$29.00}, since this was stated in the email I
received. I do not know why there is no minimum payment required on the second finance plan, which troubles me.

There is no documentation that I could find in the various emails I have received from PayPal Credit and there is nothing on their website to explain how excess payments are applied. Obviously, the main reason is to force individuals to pay off payment plans that do not have a finance charge and to force individuals to pay finance charges on plans that actually expire first. I told PayPal Credit that this is an unacceptable practice and I consider this to border on fraud.

Fortunately, I am a CPA and I am more than capable of paying the entire balance due right now, if I wanted to. However, if PayPal is going to give me the opportunity to take advantage of six month or even 24 month payment plans, I will do that.

My biggest problem with PayPal Credit is that their emails and statements are very confusing and, in m opinion, grossly misleading. Please keep in mind that I am a CPA. PayPal Credit needs to make their documentation a lot more clear and it has to be
consistent and all payment terms need to be spelled out. I am not necessarily doing this for me, because I already know how to play their game. I am doing this for others, who may be stuck in the same type of situation and don't know any better. This is where I would like the CFPB to get involved and start asking the same questions I am asking PayPal Credit. I would like to attach a copy of my letter to PayPal Credit to 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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I moved from the XXXX XXXX to the XXXX XXXX a few days ago for education. Because my current bank is not common in the XXXX XXXX, I decided to open a bank account with Chase. 

My checking account was opened on XX/XX/2021. I called Chase Customer Service about the {$220.00} signing bonus, as I was a student and did not have direct deposit or active income, apart from student loans. The customer service representative said that it was fine and I could receive the signing bonus regardless. 

On the morning of XX/XX/2021, I checked my account to find that Chase had suspended my account to " protect it from suspicious activity. '' When I called them in the evening, I was told that Chase had decided to cease all relations with me and would be closing my account. In addition, I was told that I would be banned from any and all Chase banks and blacklisted from opening any accounts with them further.

Since opening the account, I had not touched it. Despite asking for clarification, they refused to give me any information on what their reasoning was. I wish to know the reasoning, even a general one, for such a dramatic response.

As far as I know, I have a good credit score, have not missed any payments, have a completely clean record. I have ordered and seen my personal XXXX  report and there is nothing to justify their decision. 

If there was a mistake and my account was closed, I could understand, but I can not understand or accept a complete blacklist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
My 11 year old computer died and I went online to apple.com to buy a replacement one. Their site advertises that you can get an Apple credit card with 0 % APR for the first 12 months and pay off the computer. When I tried to redeem that offer, their Goldman Sachs website came back and extended a {$2500.00} credit limit, which does not cover the cost of a computer on their site. I called in to get the limit increased to {$3200.00} because I make {$320000.00} a year and have a XXXX credit rating. When I called in, their representative told me the only way to request a credit limit increase to cover the cost of the computer was to accept the credit card offer and open an account. So I did. He told me the next day I had to call back to request a credit increase. There was no other way to get an increase on the application. I have just done that, and despite making a high salary, having zero credit debt and having an excellent credit score, Goldman Sachs / Apple has denied the application and not giving me a reason. It is deceiving marketing, and their representative deceived me into opening an account, which has now hit my official credit record. I literally just needed an {$800.00} dollar increase, and have a perfect payment history on my credit for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have been using cash app for years with no problems. When I logged onto my acnt yesterday I had {$1400.00} in there which is normal. I thought I was missing some transactions so I called Tech support. By the time I was done 4 hours later all my money was gone plus an additional {$490.00} from my linked XXXX XXXX acnt. I have tried everything and money is no where to be found. I spoke to XXXX at XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2021, Synchrony Financial closed ALL my open accounts ( 5 ) with them, without previous notice, warning or explanation. It was a completely inadvertent action take upon my credit/store cards financed by said institution.

I must add that all my accounts were on a good stance, ranging from low ( <10 % ) to XXXX balances, as well as always having on-time payments and no issues of any kind. 

Trying to get a response or explanation as to why this happened has been unsuccessful and I have not received any letters either up until the date I am submitting 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 2021-08-05 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: MS

Complaint narrative:
on XX/XX/2021, i sent equifax letters regarding unauthorized inquiries that are reporting on my credit report USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, these companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification within 15 days. 

Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry. they hasn't responded thus far

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: NY

Complaint narrative:
ON XX/XX/2021, i sent my first letter to EQUIFAX disputing the unauthorized inquiries that they are reporting on my credit report inaccurately. I didn't not allow anyone to pull my credit, in which i asked for documentation which i never received.I then send out my 2nd letter on XX/XX/2021, and they haven't responded to either one in which is a violation of the law. I am asking to resolved this matter with these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.

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 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I was sent a certified letter by mail but have not responded to sign for it but new it was for court so I looked up and I found they are taking me to court over debt owed but I have never heard of portfolio Recovery Associates and have never owed them nothing I have never got a letter or a call that I do so to me I dont owe them. Can I get help with this matter

Company response to consumer: Closed with explanation