vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Summary - This complaint is regarding Bank of America home mortgage online pre-qualification request as being intentionally misleading. 

Background - I applied for a pre-approval on BOFA website on XX/XX/2018 with following details - 1. Loan amount of $ XXXX 2. Down Payment of $ XXXX ( ~7 % of loan ) 3. Zip Code XXXX 4. Co-applicant with me and wife.

5. Primary Residence 6. Score estimated - 700-739 ( My email ID is the PDF for you to be able to identify my specific request. I spoke with XXXX as my loan officer ) In response on online application, Bofa website indicated below details for me - " Your APR for a {$590000.00} loan could be as low as 4.059 % ''. The loan estimate also clearly states - " This rate and pricing information is based on your credit scores and assumes you're making a {$45000.00} down payment and using your loan to purchase a {$640000.00} townhouse ( single unit ) in the XXXX area to be used for primary residence. '' See attachment for the details. 

The loan officer then called me and i only agreed to proceed because i was expecting to be qualified around the low interest rates they indicated and the down payment of ~7 % as i indicated in the questionnaire. The loan officer ran a hard credit check and confirmed that he can only pre-approve me of $ XXXX with a down payment of $ XXXX. In our conversation, he did confirm that the loan pre-qualification was based on the low down-payment amount and not credit history. The loan officer also mentioned that there were other attributes in play, but would not confirm what they were and how they differed from questions I answered online. 

I would not have asked for a hard credit check and hurt my score if the website would not have mislead me into believing i would be approved on for a higher loan limit with less than a 10 % down payment.

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 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I missed a real estate tax payment in early XXXX. Bank of America ( hereinafter BOA ) paid the real estate taxes and sent me a letter saying they wanted to establish an escrow account for future mortgage payments. When they failed to make the next real estate tax payment by the due date, I paid the taxes on XX/XX/XXXX to prevent them from coming delinquent. Shortly thereafter BOA wrote to me claiming that I owed them the amount of the tax payment. I wrote to BOA on XX/XX/XXXX to explain what happened and to ask them to correct their records. Their answer was unsatisfactory so I wrote to them again on XX/XX/XXXX and sent them a check for the amount I owed them ( {$10000.00} ) After several e-mails nothing was resolved. I continued to make my mortgage payments ( XXXX ) along with the amount of escrow for real estate taxes that I had calculated. I received several phone calls from BOA attempting to collect the amounts that I did not owe them. I referred the caller to the correspondence I had with BOA, to no avail. 
Finally on XX/XX/XXXX, I personally went to the closest BOA branch and met with a Ms. XXXX XXXX and explained the problem to her. She asked me for copies of the previous correspondence and my cancelled check in payment of the disputed amount, which I provided to her. Sometime shortly after that meeting she called me and said that she had talked to their mortgage people and that everything should be sorted out in a timely manner. She also stated, which I now know to be false, that none of this dispute had been reported to any credit reporting authority. 
Since then I have received multiple phone calls from BOA and each time I have referred the caller to MsXXXX XXXX so they could find out what happened. I even provided the caller with her phone number. Finally on or about XX/XX/XXXX I received yet another phone call from a BOA employee that called herself XXXX, and I yet again referred the caller to Ms. XXXX for clarification. 
In the interim I purchased a new vehicle and I was surprised to learn that the interest rate on my auto loan was much higher than I anticipated. When I checked my credit report I discovered that, contrary to MsXXXX XXXX statements, BOA had been reporting every payment since the original correspondence as a overdue to all of the major credit reporting corporations. 
I have recently received two letters from BOA. One telling me that the amount of the escrow payments now due with each payment is exactly the amount the I had calculated and that I have been paying. The other letter informed me that BOA was selling my mortgage and that a new payment processing company would be getting in contact with 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 2018-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX  account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from 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 2018-10-12 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: NV

Complaint narrative:
On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NV

Complaint narrative:
On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from 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 2018-10-12 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: TX

Complaint narrative:
I am a victim of identity theft as of XX/XX/XXXX which Equifax is fully aware of as i've MAILED in several documents proving this. I have filed several complaints on Equifax after speaking with them several times over the phone. Just today, I spoke with a representative in the Consumer/Fraud departments regarding a bankruptcy showing on my credit report that does not belong to me. I have disputed this charged well over 2 months ago and today ( XX/XX/XXXX ) the dispute is still open/pending. After speaking with the rep over the phone, he stated that they ARE allowed to keep a dispute going for as long as they prefer if they do not hear from the company. The rep confirmed they received no response back from this investigation and have failed to remove this from my credit reports. which has affected my ability to obtain credit and/or apply for mortgage. Equifax is not honoring the following statement and has this account under the wrong credit profile. 

" Under Section 612 ( a ) ( 3 ) of the FCRa, Equifax is given 45 days to complete an investigation on disputes made after a consumer receives their annual free credit file ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: CA

Complaint narrative:
Hello, This company placed hard inquiries on my Transunion credit report without my consent. I applied for a pay day loan which is not a credit application, and does not require such a credit inquiry. I have attempted contacting the company ( XXXX XXXX XXXX/ XXXX XXXX ) to request they remove these hard inquiries as I did not authorize them and they are not cooperating. Below are the 3 inquires I am disputing, thank you. 
XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX Finan Inquiry from XX/XX/2018

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 2018-10-12 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: CHECK INTO CASH INC.
State: CA

Complaint narrative:
Hello, This company ran hard inquiries on my XXXX  credit report without my consent. I applied for a payday loan, which is not a line of credit and should not have required such a credit inquiry. I contacted the company requesting these inquires be removed, however they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC changed the order of transactions to allow a pending charge of $ XXXX XX/XX/XXXX to pull from the avail account balance before two charges {$2.00} & {$1.00} that were pending 1-2 days prior to the {$20.00} charge and have already posted to the account. Therefore causing two unnecessary overdraft fees of {$36.00} each to be charged to my account on XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Last Sunday ( XXXX XXXX ) I sent XXXX dollars to XXXX via Western Union ( https : //www.westernunion.com/us/en/home.html ). Initially on their website they promised the money would be available in 4 business days but later when I submitted the order they said the fund will be available 5 business days. Now as I check on their tracking system, now they say it will be available on Monday ( XXXX XXXX ). So I called them and they say the money should be available Friday but can't say when. At a loss I asked them again when it will be available. They just repeated the same statement and hung up. Why do they keep changing the business day? And why can't they say when the money will be available? I'm afraid that the fund might be unavailable until next Monday and they will claim that it will arrived 5 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I need a print out of my payments history.

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 2018-10-12 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: WA

Complaint narrative:
Im a little confused. three months ago, I disputed the following previously deleted account as being inaccurate, and you deleted it because the furnisher agreed with me. 
But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points. I'm under contract of buying a new home. The negative information reporting could cause me to get denied. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted account within 10 days of this letter.

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 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Hello, I just called XXXX regarding late fees that are still being applied to my account. My initial concern was that when i was with XXXX they allowed me to pay my payments by splitting it by 1/2 due on the XXXX and remaining 1/2 due at the XXXX. I attempted to do this with SLS but their system was unable to process these types of payments which resulted in me having to call in monthly to have my 2 payments combined to be applied to what was currently due. I this this for a few years. Recently ( ~XX/XX/2018 I started making just 1 payment monthly as they noted so that I would no longer incur any fees or have my partial payments applied to principal erroneously ) and I am still getting late fees incurred. In my recent conversation today, they noted that it appeared i was still behind, but based off my history of paying twice monthly and now recently monthly on the same dates, i fail to see where and how i could be behind. In the past, when i have called, they noted that they see where some XXXX payments were applied to principal. I advised this should never have occurred and thought all prior misapplied funds were applied accurately. I need help to fix this since late fees are continuously being applied and i refuse to pay them until this gets cleared up.

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 2018-10-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX ( Part of the XXXX XXXX ) charged me an additional {$50.00} in fees to generate payoff amount requests which were produced online. There was no mention of these fees when it was requested, via online account access. Besides, the payoff request was generated on their website which I printed out after the 2nd attempt, but they also sent me mailed copies. The first attempt, the website was unresponsive, but SLS still managed to charge me for that request. This is a deceptive practice and I should not be held liable for these extra fees.

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 2018-10-12 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: CA

Complaint narrative:
Hello, This company ran hard inquiries on my Transunion credit report without my consent. I applied for a payday loan, which is not a line of credit and should not have required such a credit inquiry. I contacted the company requesting these inquires be removed, however they have ignored my request.

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 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from XXXX XXXX regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. M & T Bank confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. XXXX XXXX claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. XXXX XXXX stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer. I have disputed this with the bank and XXXX XXXX. XXXX XXXX complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always stat e to call later. Several case # s assigned. Bank and XXXX XXXX refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and 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 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I modified my mortgage with Ditech in XX/XX/XXXX. Ditech has misapplied my XXXX payment and credited it to XXXX. Ditech has missed the payment credited to it on XX/XX/XXXX and instead applied my XXXX payment to XXXX. This has had the effect of making me look late since XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: ME

Complaint narrative:
Contacted Santander Consumer Finance on XX/XX/18. Notified them of duplicate payment. was told to fax over bank info showing duplicate payment. Faxed over. Was told id have my payment back in 48 hours, XX/XX/18. Contacted them again in 48 hours, XX/XX/18. was told they hadnt looked into it yet. Contacted them again XX/XX/2018. Still no answer. Contacted them again XX/XX/2018. Told me the bank statement showed payments pending even though they had already recieved. Was told to re-fax statement. Refaxed new statement XX/XX/2018. Was told i would have an answer in 48hours. Contacted them XX/XX/2018. Still no answer. Contacted them XX/XX/18 was told the fax was recieved but no answer on payment. Contacted them XX/XX/18 and they are now saying they didnt recieve fax. Also saying no other way to send bank info or any quicker way. DOnt seem to want to return duplicate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC
State: MA

Complaint narrative:
Company is sending text message without consent with a link to click. Does not state it is a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Harris Bank refused to disclosure of 1st position balance to a XXXX XXXX, subordinate lien holder for the property at XXXX XXXX XXXX XXXX XXXX XXXX for the borrower XXXX 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