vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a Jumbo loan in XX/XX/XXXX from Fifth Third Bank. It was a 7 year ARM. I have never been late, never missed a payment and in XX/XX/XXXX asked 53 whether they would refi my ARM into a 30 year fixed. I paid them the application fee, submitted all docs, incurred fees from my CPA and Tax attorney and book keeper to provide additional requested documents. My current payment is $ XXXX/month. The refi would have decreased the monthly payment, lower the interest and locked my into a 30 year fixed. 

53 which is the current lender, pulled a hard score of a medium XXXX FICO. After the pull, it obviously went down a few points. I am a preferred bank account holder, which was required to qualify for the refi. It requires a minimum balance of XXXX. 

After reviewing the entire application, it was denied. Regardless of the fact that 53 is my current lendor and I pay XXXX a month, never late. What 53 did was assess the value of my loan at a ARM, induced me into filing an application, paying a fee, incurring additional fees to produce additional requested docs, pull a hard score ( lowing my score ), which makes it harder to reapply, and determine that the refi at a lower rate is a lower payment and 53 prefers to have my locked into the ARM at a higher rate. 

I am livid and feel I was misled. This is a fraudulent scheme and predatory. Locking me into a higher payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX/JC PENNEY A/C #  XXXX was dispute 3 times and I requested for validation 3 times for this account and no attempt of validation was given to the consumer directly. 

XXXX XXXX/JC PENNEY response was a letter requesting for me to validate with XXXX XXXX XXXX A/C # : XXXX which is a different account. 
When I requested for validation of the account with XXXX XXXX XXXX A/C # : XXXX.Their response to me via mail and to the credit bureaus was deletion of the account they were reporting on my credit report. 

The 30 days of validation is past due on this XXXX XXXX/JC PENNEY A/C # XXXX and must be deleted ASAP off my credit reports.

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 2017-11-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with equifax and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. Equifax is allowing this company to destroy my credit report after they have removed the collection several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XXXX I was granted the loan modification, which included a modification incentive program, the mortgage carrier will credit the principal {$1000.00}. a year for five years, requiring the payment not to be late more than 30 days or it will be cancelled. XXXX XXXX XXXX credited my account on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to XXXX XXXX, which credited my principal on XX/XX/XXXX complying with the original contract. On XX/XX/XXXX the loan got transferred to Ditech Financial LLC, which did not credit the mortgage principal for the years XX/XX/XXXXand XXXX. Since my payment was deducted monthly from my checking account I did not realize it was not credited. I started looking to refinance and as I went through the payment history I noticed it. I called several times, they promise an answer. I spoke with a manager at Ditech Financial LLC named XXXX at extension XXXX. She sent me an email that said the issue was resolved and it was cancelled because I was late. We looked at the history together and she agreed that my payments were never late, she promise to look in to it. I mentioned that I was going through a refinance and she made clear that they would credit the {$2000.00} and if I refinance before the account was credited that I would receive a check for the {$2000.00} I was owed by XX/XX/XXXX. It is now XX/XX/XXXX, I have made multiple phone calls and left multiple voicemails and have not heard back, gotten an answer, or received the refund of {$2000.00}. This loan is no longer with Ditech Financial LLC. I will attach a copy of my payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: PA

Complaint narrative:
XXXX XXXX and another company has XXXX recent hard inquiries on my credit report that I did not authorize

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 2017-11-10 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I contacted Debt recovery solutions about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with XXXX and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. XXXX is allowing this company to destroy my credit report after they have removed the collection several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX finance and another company has two recent hard inquiries on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX finance and another company has two recent hard inquiries on my credit report that I did not authorize

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 2017-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report

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 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested my credit report after using XXXX XXXX a few times and was alerted of having a thin file and all three credit bureaus were not reporting the same information. I once again saw added information that was more identifiable than my last dispute. Phone numbers, addresse that are once again do not identify me. I have more added personal information than accounts, good or bad. How is personal information added, removed and once again appear. My recent dispute showed a family members three phone numbers, address and newly added mispelled names along with addresses I have never lived in. I am alsio wanting to know how I am denied any loan, or equity credit on my propeety that is paid with no mortgage which I do not believe I have a decent credible history, same employer for 28 years and now retired. Today I discivered a possible loan on my property that if it exists, was most likely borrowed in hopes I would not have a clue so reported it to CA real estate for possible fraud since it seemed to be a transfer type cash loan which could not have initially be listed on an MLS listing without me in agreement, moving along I have applied for a small loan with XXXX XXXX and my credibility is below standard yet my property is a great asset that should be credible. 
In closing I believe the information being added is by someone I know. Should I make that person known to you or should I just check my reports more often? Also personal information in this dispute I am speaking of is XXXX does n't remove all I askex them to as if it has to be there like it or not which personal identifiable information should be the utmost part of your credit file

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 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent po report from XXXX to experian and XXXX XXXX cra violation

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 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have disputed my complaint with Equifax over 30 times and I have sent in numerous paperwork and so has XXXX XXXX and the other creditors and I ca n't get anything back from Equifax they keep sending me a confirmations numbers but yet it won ; t let me look at them online and I have been on the phone with them numerous times and have waited over 2 hours to fix this and the last two times they said their computers were down. XXXX XXXX and XXXX fixed these problems but I ca n't get Equifax to even respond or answer, this is hurting my credit bad because of all the inquires and wrong information, we had our vehicles broken into and they stole everything so we are under Identity fraud and I ca n't get them to help or even tell me anything.I need any help I can get please. Thank you. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: NY

Complaint narrative:
i am not sure of the balances but before i turned XXXX on XX/XX/XXXX my mother discovered someone used my information she contacted XXXX XXXX and XXXX XXXX they closed the account due to fraud. she than contacted experian credit bureau to make sure the accounts were taken off of my credit file. They had her submit multiple documents back in XX/XX/XXXX. The accounts still were n't removed when I turned XXXX in XXXX I contacted them again they made me submit the same documents in XXXX of XX/XX/XXXXand the accounts still remain on my credit file. The customer service rep even attacked me like it was my fault some used my information fraudulently. I do n't understand if the company closed the account due to fraud why experian as not deleted the 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 2017-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: PA

Complaint narrative:
I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report

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 2017-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
XXXX XXXX is knowingly accepting a fraudulent loan. I spoke with this company by phone within a couple weeks of my purchase ( a CPO XXXX XXXX XXXX ) concerning the amount put down on my loan application as they were the only financial institution that accepted the loan. I got suspicious of the this dealerships doings ( XXXX XXXX XXXX XXXX ) after returning to my prior dealership ( for my trade in ) and my salesman there said my debt to income ratio should not have let me be able to get the jeep as I barely qualified for the car I traded in @ XXXX. So after I got home I called the financier XXXX XXXX, and although at that time they would not send me a copy of the loan app the gentleman I spoke too ; after telling him my income the past 2 years, stated my loan application stated almost triple what I told him, and that after finding this out would review and unwind the contract. I sent them 3 pay stubs by fax which only clarified what I told them. At that time the person I was talking too at that point ( XXXX ) said they would start the unwind. Then, all of a sudden, they stopped it. I offered to send them documented XXXX 's from the IRS from XXXX and XXXX, they refused. They even went to the point of making it so I can no longer contact their office with complaints. I started this all prior to making my first payment. I will send proof of my income and will send proof of 2 other loan applications sent out that day w/o signatures. Meaning that the dealership committed the fraud prior to any signatures, and that when I did sign it, it was at the time at the end of the purchase with ALL the other paperwork shuffled through, without noticed that they bloated my income, lied about the mileage and put down the wrong employer. Even after proof of all of this XXXX XXXX now refuses to unwind a proven fraudulent loan. They stated in a rebuttal to BBB that income was not a factor in approving the loan. Since when is n't income a factor. If it was n't a factor why did I have to fax their rep 3 copies of my pay stubs after finding out about my bloated income. Any ways whether they state that or not, a fraudulent application was still submitted to 7 lenders, this should have voided any contract as soon as found out and proven. My last salesman made a good point debt/income ratio not only protects the buyer but the seller for over extending credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: DISCOVER BANK
State: CA

Complaint narrative:
Hello CFPB, My name is XXXX XXXX. On XXXX XXXX I went to XXXX -- all products -- credit cards -- See if youre pre-approved before you apply. 

Please see the link for pre-approval Discover card. 

XXXX : XXXX? XXXX I was approved XXXX times with the following text : Congrats XXXX XXXX, you XXXX XXXX for these cards : XXXX XXXX Card and XXXX XXXX XXXX. I decided to go for XXXX XXXX which was 14 month XXXX apr. After I was done with my application I received the following text : " Call pre-approve now.You are almost done. Thank you for your application. We just need a few more minutes of your time. We can help you complete your application quickly. XXXX support is available ''. 
I called and they were super nice. I thought it was the proper way for verification not to go through a new applications. A representative today told me the pre-approval system was down on Thursday-weekend and told me to reapply using the pre-approval again and for the next XXXX times was the same text. A they keep telling me XXXX hours stating that Th Pre-Approval system has been down and they dont even see my completed application last rep I spoke with told me he will forward it to the supervisor and to wait XXXX more hours. after many days and several hard inquires i found that I was denied because a change in my credit report. Nothing changed in my repot, all my credit cards are reported that paid to " XXXX ''. 

I am asking CFPB that the inquires to be removed from my credit report given that it was done under the false pretense that I was " pre-approved ''. I would not, under any circumstances, have applied for this card had it not used text that led me to believe I was already approved. My request is that XXXX to remove any hard inquires that did on my credit reports between XXXX XXXX XXXX XXXX. 

I will NOT accept the hard inquiry being on my report when they gave me false hope that I would not be denied. 
Respectfully, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: NE

Complaint narrative:
Company has been calling for several YEARS. Most recently this morning ( XX/XX/XXXX, XXXX XXXX ). They keep asking for XXXX XXXX. We have told them DOZENS of times there is NO XXXX XXXX or anyone even close at this number. There never has been ; we have had this phone number since the XXXX. We 've never heard of this person. We have told them this repeatedly and have told them many times to stop calling. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I currently have two auto leases with TFS. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brown Olcott, PLLC
State: AZ

Complaint narrative:
XXXX XXXX has used a debt collection company to collect on past dues. We have disputed the debt and now they are trying to issue a default notice and foreclose on my house. I have entered my statement, regarding the debt. It is always different every time they send a new notice. I finally received an itemized statement and found missing or incomplete payments, which I have proof of. These are only the ones I found. Its possible other missing payments exist too.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint with the CFPB with this issue before but sadly Bank of America doesnt want to refund my money they want me to drive from XXXX California back to XXXX XXXX NM to talk to the bank manager about the mistake that Bank Of America made by putting {$200.00} cash into some one else account and refuses to do anything! when Bank of America investigator calls me every time she does I was at work. Until today XXXX XXXX,2017 an she read me a scrip and every time I complained she would say I understand and go back to the scrip this is not good customer service! I want my money {$200.00} cash back if they refuse to give it to me 1 more time I will sue Bank of America in Small Claims court for being negligent. If we go that route I will be asking for {$35.00} in late fee plus interest and court costs. I 'm tired of Bank of America thinking there above the law because there a big corporation. They need to be held responsible for there actions!!!!

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