vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Westpark Equity Group, Inc.
State: CA

Complaint narrative:
1 ) We were never given our rate until it was too late for us to back out of the deal and lose our earnest money - and we feel the rate is outside of industry norms given our credit profile, income, property, etc ... ; 2 ) We were never given a Final Closing Disclosure as required by Federal Law 3 days prior to closing ; 3 ) When we DID receive a Final Closing Disclosure at closing, our loan officer asked us several times to back date it ( which would have been a commission of loan fraud ) and only stopped pushing us to do that when we insisted that he no longer ask us to commit loan fraud and signed and dated the CD after closing ( with the actual time and date that we received it ) ; 4 ) When we got to closing our costs to close were $ 30K more than we were expecting or had liquid - and we had to choose between scraping for cash and losing our {$28000.00} earnest money deposit ; 5 ) When we brought these concerns to our loan officer via phone during our closing we were told there was nothing that he or Westpark could do to assist us and we were left choosing between losing our {$28000.00} earnest money deposit or signing the documents. 

There are a litany of other irritations we had with the process - but the major concerns are addressed above. 

Important Dates / Amounts Actions : My first call to Westpark - XX/XX/2018 - Sent them our documents for review. 
File Submitted to Underwriting - XX/XX/2018 Close of Escrow - XX/XX/2018 at XXXX XXXX - XXXX XXXX XXXX - XX/XX/2018 Purchase Price : {$920000.00} Loan Amount : {$740000.00} Interest Rate : 6.625 % Down Payment : {$180000.00} ( 20 % )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: Bonneville Billing and Collections
State: CA

Complaint narrative:
This account originally belonged to XXXX XXXX and was bought by Bonneville Collections. According to XXXX the first delinquency occurred in XX/XX/XXXX therefore this account should have been removed from my credit file in XXXX of of XX/XX/XXXX. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. 

Written contract or liability : 5 years. 

Contract or liability that is not written : 4 years. NOTE : The time period begins as of the date of the last item, typically a payment or a charge under a credit card agreement. A written acknowledgement or new promise signed by the debtor is sufficient evidence to cause the relevant statute of limitations to begin running anew. Any payment of principal or interest is equivalent to a new promise in writing to pay the residue of the debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ONE REVERSE MORTGAGE, LLC
State: CT

Complaint narrative:
I originally was going to complete a reverse mortgage on my property but after it was appraised the numbers and information that was disclosed to me wee changed due to the where the value came in opposed to what was assumed by the lender.

ONEREVERSE Mortgage a XXXX XXXX company advised me they would reduce my appraisal cost to {$99.00}. When I realized what was being offered regarding the reverse mortgage and that it would not be in my best interest I decided to shop around for a cash out refinance which worked more favorably for me so when time to transfer the FHA CASE NUMBER XXXX was requested from the new lender, the case number was transferred but not the appraisal that was to be attached. 

I spoke with Onereverse and was advised that the {$99.00} would not be Honored because I went elsewhere and that I would need to pay {$650.00} minus the {$99.00} but somehow was emailed a total of {$550.00}. When I called to pay the {$550.00} they attempted to get me to pay {$650.00} even with evidence of the amount I was quoted. 

I believe there Is something going on with this bank where they are defrauding elderly people like myself and trying to get money out of them. The price I should be paying for this appraisal is the {$99.00} and not be penalized because I chose to go to another lender who had a better program within my best interest. These are FHA mortgages so banks can't make up their own rules as they go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: VW Credit
State: RI

Complaint narrative:
In XX/XX/2018 we were referred to XXXX XXXX by XXXX XXXX XXXX XXXX. The XXXX authorized person at the dealership worked out a lease deal for us that would give us payments of about {$390.00} per month. The lease was no money down, no first month 's payment, and no security deposit which is a standard XXXX deal. The lease term was 48 months with a residual value of {$18000.00} and a 10,000 mile per year. Well before we drove the two hours to get to the dealership I submitted the online application and BOTH XXXX XXXX and Volkswagen Credit ran my credit report as a hard inquiry. We had provided a deposit to hold the car when they confirmed the lease and payment and they said that would either be applied to the lease to further reduce our {$390.00} payment or we could have it refunded. We arrived at the dealership to pick up the car which we had been assured several times was ready and all we would have to do was " sign and drive. '' That turned out to be a lie. The dealership said they could not verify my income ( I am a XXXX employee and I had already provided my past three Earnings and Leave Statements ) Then I was told that I was not allowed to use my rental income then they told me it was not necessary. Then they ran hard credit inquiries three more times which by the end trashed my credit score and then came to me and told me because they could not " verify my income '' and because I had so many hard inquiries the only way they could make the " deal '' was to add an extra {$120.00} the the payment ( going from {$400.00} per month to {$520.00} ) and they would now require that I pay {$1200.00} up front and have a higher payment than what was promised. They also claimed that they could not verify that I had any previous car loans -- although I had a lease with XXXX   that was paid off early and still shows up in my Volkswagen online account. The other was an actual car loan through XXXX that was paid off in advance also. The series of lies were designed to increase the cost of the vehicle significantly -- {$6200.00} over the term of the lease. We were told our deposit would not be refunded if we did not complete the deal because they had taken the car out of stock and held it for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello y'all : I live in XXXX , Georgia . And I signed up and received a credit card from Chase ( XXXX XXXX XXXX ) who is a premium credit card with a annual fee of {$450.00} per year, with the benefit of having some benefits out of it. 

One of the peeks when I signed up was the Purchase Protection ( meaning that if I had bought something with the credit card and the item ( s ) got stolen, I could claim under certain conditions ) I could ask for the insurance company ( Credit Card Service ) to repair/repay for those purchases made using my credit card. 

Well, I started doing my XXXX degree in XXXX XXXX and I made the purchases that I needed for my classes using my credit card the first week of XX/XX/2018 using that credit card. 

I got robbed almost 3 weeks after that and I reported to the police. I submitted a claim for less than XXXX US $ with my 'insurance company ' who I used my credit card, confident that I will get at least my money back to buy back again my things. 

Well they declined because out of all the receipts, there is one for {$400.00} that they couldn't verify ( An XXXX receipt that instead of being some electronic thing, it was some groceries, still on my name but enough for them to decline it ). 

I asked them not to honor the electronic device and move forward to the other already verified receipts. They declined. 

Well, 6 months have passed now and XXXX XXXX XXXX refuses to pay for it, with one of their customer services telling me that 'it was because of the amount I was claiming '. I know the amount I am claiming, I got robbed. I sent them police report, receipts, I withdrew the only receipt they had issues with, they have their employee recorded saying that it was, in part, because of the amount of money, for 6 months I have being told that an examiner would call me -never, until this day, I had talked with an examiner before-. 

I used my student loan to buy again my material for my XXXX Degree, confident that Credit Card Services and Chase will honor the insurance I got promised, but they refuse. I desperately need help of the government to force them to honor their part of the bargain.I have never been past due, I have never missed a payment with them, but the interests are killing me and I want to use the money of the insurance to decrease my obligations until next year that I get to the US and I get to work again -if not I am going to have to declare bankruptcy, I can not work here-. 

Please, I beg you, I beg you, help me. 

XXXX XXXX XXXX +XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been using Capital One 360 bank for a few years now and everything has been great. A little over 2 weeks ago my 3rd party accounting apps started to be blocked by Capital One 360. I have been working with both sides ( Capital One ) and the 3rd party accounting applications to try to pinpoint the issue. Capital One confirmed that they have issues on their end and have a team dedicated to the issue but I only get this information from them at certain times. The rest of the time they either say there is no issue or that they're not allowing some 3rd party apps to access their data for security reasons. When I present this information to the 3rd parties they claim that Capital One may be trying to intentionally block some 3rd party apps to drive traffic to preferred vendors. If this is the case, which I can not confirm myself without some help from an enforcement agency, then they are breaking rules. I have the right to access my data through whichever vendor I choose, not just the big ones.

The two cloud accounting applications that have been affected on my end are XXXX XXXX and XXXX. XXXX partners with a data provider known as XXXX and XXXX uses one called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diverse Funding Associates LLC
State: PA

Complaint narrative:
A company called XXXX contacted me on two separate occasions, once on XX/XX/XXXX and again today, XX/XX/XXXX. This agency was looking for my sister, XXXX XXXX. On XX/XX/XXXX I told the company that this was a relative 's phone number and i was not to be contacted. I called my sister to notify her of the call and she let me know that they had called her before they called me. So they knowingly had contact with her and her contact information, but couldn't make progress with her so they contacted me. This agency was trying to collect a debt for a company called XXXX and associates ( XXXX ) XXXX. I am being harassed for a debt that does not belong to me. I also live in a different state than my sister and have a phone number that was obtained years after any date that we lived in the same household. It seems that i was tracked down by personal information to get in contact with my sister when they already had her contact 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 2018-06-20 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I contacted Citi to tell them there is 5 fraud charges on my Citi XXXX Visa credit card. When I first told them this they marked all the charges and items i didn't receive a month later I told them again it was suppose to be fraud and then Citi put it as fraud but closed the disputes and claim they came from me which they didn't. I lost my card at one of the bars i was at on XXXX XXXX.The first fraud charge is on XX/XX/2018 from XXXX  in the amount of XXXX dollars. Second and third fraud charges were on the same day, XX/XX/2018 from XXXX XXXX for XXXX dollars and XXXX XXXX for XXXX dollars. Last 2 fraud charges were done on XX/XX/2018 from XXXX XXXX XXXX amount is XXXX and the other amount is XXXX. I am also being charged a interest charge for XXXX and two late fees of XXXX dollars each. I called Citi several times and they are still no help. I also told Citi issued me a new credit card but there not helping me with these fraud charges on my account and just keep giving me the run around and even closed my account now. I wrote them a letter stating It was all fraud but still never heard back and when I call I get no help.

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 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/2018 I received a pre-paid XXXX card for {$50.00} as part promotional discount on a set of tires. On XX/XX/2018 I attempted to use this card at store and when I scanned the card it was taken for the full amount of {$74.00} instead of just the {$50.00}. I informed the cashier that the card was only good for the {$50.00} and she voided the transaction. I then paid for the items using my personal debit card. After returning home from the store I called the number on the back of the card and activated the card again believing that I may not have activated it in the first place. XXXX activated the card again and when I attempted to use it again it was declined. I looked on XXXX 's website and found that the original transaction of {$74.00} was processed and I owed a balance of {$24.00}. I have not spent the original {$50.00} and I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bliksum, LLC
State: CA

Complaint narrative:
I took out a loan from XXXX in XXXX. With poor credit I didnt have too many borrowing choices, and the loan was at a very high percentage rate of around 120 % interest. I was in a bind ready to lose our home. Husband was laid off and out of work longer then expected. He did eventually find a job and I made my repayments back to XXXX every month until my husband was laid off again. I talked with XXXX to explain that our income went back down and I wasn't able to continue with the high payments. I asked if they could work with me. They could not. My account was sent to XXXX XXXX   out of New York and they offered a settlement amount. I agreed to it and started making payments. I lost my job in XX/XX/XXXX and haven't worked since and my husband took to driving out of state in a big rig to earn money. I tried to keep up my payments with XXXX XXXX and was working with XXXX. Unfortunately due to financial burden I just couldn't keep up and I missed a payment XX/XX/XXXX. This is where the trouble began. XXXX started some type of background check to see what assets I have. She is calling family members and my ex in laws looking for information, even though she has been in contact with me. She stated that they were going to investigate me and my husband so that they could put a lean on his truck and file a court order to garnish his wages. I offered to pay them the missed payment along with XXXX payment but she was not having it and got rude with me. She transferred me to a floor manager by the name of XXXX XXXX and he stated that I only have 24 hours to come up with the settlement of {$3200.00} or further action would be taken to get all the money that was owed from original loan of {$2500.00} plus the 120 % interest along with any court fee costs. He sent me a letter and suggested me to take out a consolidation loan. My credit score is only allowing me few options and it's very stressful knowing I have no way of meeting their demands within the 24 hour time frame they have given me. I am upset that they have had contact with me but yet XXXX continues her investigation tactics and is calling family and ex in laws looking for information or giving them my personal information to verify. She is being dishonest by telling them I gave her permission to call when that is an absolute lie! .when I took out the original loan I was already divorced from my first husband and would not have any reason to give his or his moms information on the loan documents. XXXX is looking into my information and calling people that have nothing to do with this matter. I want it to stop and the threats to stop. I tried to work with them before and still am. I was willing to still make monthly payments and had only missed one payment. This company is breaking the law and I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: CA

Complaint narrative:
I contacted XXXX XXXX on XX/XX/2018 to make an inquiry for account # XXXX ( XXXX XXXX   XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a XXXX XXXX   representative to obtain information on the account and was informed that no information was found for account. XXXX XXXX indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found. 

I mailed a letter to XXXX XXXX  on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate XXXX XXXX XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper 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 explanation
Consumer complaint received 2018-06-20 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am writing to correct a complaint I recently filed against XXXX XXXX on behalf of XXXX XXXX XXXX. I reported the wrong collection agency by mistake The account is actually held by XXXX XXXX on behlf of XXXX XXXX XXXX not XXXX XXXX. 

However, the rest of my complain is valid and is as follows : This debt is reported as " educational '' but it was for rent at the XXXX  apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but XXXX XXXX has since purchased the debt, inflated it by thousands of dollars and reaged it.

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 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Multi-Financial Services, Inc.
State: MO

Complaint narrative:
To whom it may Concern I made a payment on XX/XX/18 to Mulit financial in the amout {$310.00} and it wasn't posted.. After making several calls to mulit fimcial without any success i reached out to XXXX XXXX XXXX XXXX  who hold my mortgage for help. 

At that time a employee from XXXX reach out though email to see why the payment wasn't posted. Not until XXXX got involved the next day my payment shows. 

When ask why it took so long for payment to shows 20 days later from payment date no answer.. Now payment is showing as if it was posted correctly on XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XXXX of 2018, I came into XXXX Toyota in XXXX XXXX, TX to look at a vehicle for my mother XXXX XXXX and I. I had a approved loan from my lender XXXX and I had requested the salesman and finance manager that I did not want to have my credit pulled. I come to find my credit was pulled by 5 creditors including TFS. I escalated to XXXX and was advised to dispute directly with the creditor. I also have a text message that states I had advised him to make sure no credit is pulled as I am on my way to the dealership and he complied. Please see attached for the complaint to XXXX.

Company response to consumer: Closed with explanation