vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: IL

Complaint narrative:
My Parents are first time home buyers. The Mortgage Company is Guild Mortgage ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, IL XXXX ; XXXX Office ; XXXX Cell ; XXXX XXXX Branch Manager. 


My Parents went to XXXX XXXX 's office on XX/XX/XXXX to sign the Mortgage Papers, at that appointment XXXX reassured us that the Interest rate which was 4.25 % and the Payment which was {$590.00} WOULD NOT INCREASE BECAUSE WE ARE LOCKED IN. Our first closing date was XX/XX/XXXX, It was Cancelled by XXXX due to a glitch in the Deed of the home and had to be fixed before signing. After many calls, and emails, and text messages trying to find out when the closing would be, it was pushed to XX/XX/XXXX. We said ok, then got another message saying no closing on XX/XX/XXXX. No reason why, just couldn't do it. My parents went to the closing on XX/XX/XXXX. NO IDEAL anything had changed, signed the papers that was handed them without explanation, Then when he was leaving the closing, told us that the Interest and payment went up, I called it to his attention that NO WAY they could go up because you SWORE to us nothing would change. My parents are on a fixed income, ages XXXX & XXXX and had done budgeted the original mortgage. The Interest went up to over 5 % is what he told us, and the house payment went up to {$650.00}. 

This man knew that the Interest and payment agreement ran out on XX/XX/XXXX and never once told us. NEVER called my parents home, never sent a letter, email or text. WE are OUTRAGED. My parents also qualified for the XXXX County community Development ; XXXX XXXX XXXX ; XXXX, IL XXXX ; for the amount of {$4300.00}. Seller was responsible for closing costs. We had been told that my parents would receive a check at closing and could be used towards the update on the home. 

My parents have been lied to, taken advantage of, and I am outraged. They never received a penny from closing, they also had to pay an outstanding tax bill in the amount of {$3000.00} and an outstanding Sewer bill in the amount of {$270.00}. NO ONE TOLD US ANYTHING ABOUT THIS OR WE WOULD NOT HAVE PURCHASED THE HOME!!!!!!!! Closing cost went from {$4200.00}. to over {$8000.00}. HOW in the world doe they get away with this???? ALL LIARS. My parents are on a fixed income like I said, and to someone like XXXX the extra {$70.00} dollars isn't much, but when you go without food so that you can purchase your husbands XXXX at over {$300.00} a month, that {$70.00} dollars adds up. We will stand behind anyone that will get this company for the pitiful lies they tell people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I had contacted American Express to close out my Amex EveryDay Card ending in 61000 which they had closed out on XX/XX/XXXX. I then requested to reopen the account on XX/XX/XXXX and was told I was not qualifying for reinstatement per federal regulation and it had to have been completed within 90 days. This is a false and misleading statement, as there is no federal regulation that outlines when an account may be reinstated or reopened. I was then unfairly deceived into applying for a card again and was declined and incurred an inquiry on my credit due to AMEX customer service 's false information surround federal regulations. The only regulations that govern an account reopen request are BSA ( KYC/CIP ), Regulation Z, and Regulation B ( should the request be declined. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
I entered into a Student Loan Rehab agreement on XX/XX/XXXX. Without my knowledge, XXXX XXXX XXXX sent my file out for wage garnishment. I was informed by XXXX  that I had to make 5 monthly payments to have the garnishment stopped. I made 5 monthly payments, the most recent on XX/XX/XXXX. I also called and spoke to supervisors and representatives about when the garnishment would stop per the contract. I was informed that would obtain approval in 7-10 days from XXXX the servicer. I called two times on XX/XX/XXXX and an additional 4 times since XX/XX/XXXX. I was told by XXXX I had made the 5 payments and met all their criteria but they could not and would not stop the garnishment. I informed them this was causing a severe financial crisis but they still refused to take any further action.

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 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX  Buick Regal that was financed through GM Financial. 
The following week, my dealership filed Chapter XXXX Bankruptcy ; hence this caused a delay to obtain the title to register my car. 
I began to speak to GM headquarters starting on XX/XX/XXXX ( XXXX XXXX ext. XXXX ), GM Headquarters said they couldnt assist because the dealership was locally owned and operated. 
XX/XX/XXXX I called GM Financial to check the status of my loan. I was told the funding manager would not fund the loan until the title was transferred and the taxes were paid. 
My loan included the taxes and all dealership funds were tied up in the bankruptcy, so the dealership was unable to pay the taxes. 
I personally never seen the title work but confirmed with my dealership they had it as of XX/XX/XXXX. 
When I began to work with the Missouri Attorney Generals office, I was put in touch with the dealerships floor financer ( XX/XX/XXXX ). 
XXXX was willing to pay the taxes and any warranties, to close my deal. 
On XX/XX/XXXX, I called GM Financial Funding dept. I spoke to XXXX and found that GM Financial returned my loan papers back to the dealership on XX/XX/XXXX and my loan was never completed in their system. 
On XX/XX/XXXX, ( I spoke to XXXX a funding manager ) I requested a letter for my records from GM financial to state the status of my loan and to be grandfathered into a new loan with another dealership and was told they would not send the letter and they would not be able to help with a new loan that it is handled by dealerships only. ( He referred me to XXXX XXXX XXXX ) Both XXXX and myself left separate messages for XXXX XXXX at GM Financial and I was not provided a call back. 
My complaint is that I was discriminated by GM Financial for my dealership filing bankruptcy. I have an almost perfect credit score and should not have any issues with obtaining a loan. I didnt file chapter XXXX bankruptcy so why was I denied the loan without notice. 
On XX/XX/XXXX, the dealership closed their doors as ordered by the Bankruptcy court according the Attorney Generals office.

The loan was originally for 0 % interest with a 72 month term. 
I was denied a discount for purchasing a new GM/Buick automobile for my troubles ( per the GM Headquarters speaking on behalf of the GM rep that covered my dealerships division ). 
GM Financial caused additional ciaos by not funding my loan since my taxes were rolled into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children

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 2018-05-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX  atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children

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 2018-05-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Instead of settling my claim of 3 wrong charges and cleared the charges, Wells Fargo fraudulently created and more fraudulent charges of charges, even though we've stopped using their Visa since XX/XX/2016. There was certainly fraud created with computer maneuvering of printing tens and tens of pages of charges. I'm senior citizen and have respond to their 20-30 phone calls that three fraudulent charges should be cleared as they handled similar fraudulent charges in the past. For Wells Fargo the credit and improper trouble they imposed on us are rolling bigger and bigger like snow balls. Now each day different people called ; there has had being been ten people all claimed to be Wells Fargo authority. I am XXXX and in bad health to receive such persecution. Wells Fargo 's approach has been not reasoning but convincing me that I'm owing about thousand dollars. Bur my question is : For What particular Charges bane them ). Their 20+ pages computer print out confused the matter and looks  fraudulent.

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 monetary relief
Consumer complaint received 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXXXXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXXXXXX XXXX XXXX # XXXX ... I don't ever recall paying any of these accounts late/after the due date. 
On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to these accounts. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. 

On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. 

A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.

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 2018-05-21 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I purchased a ring from XXXX XXXX in XX/XX/XXXX. I returned the ring within 14 days of purchase and closed the account. I was told all fees and charges would be credited to my account. When I received my XX/XX/XXXXand XX/XX/XXXX monthly statements I saw there was still an outstanding amount of {$2.00}. I contacted XXXX XXXX customer service. They indicated this was a mistake on their part and to please disregard the statements. When reviewing my credit report today I noticed I now have a late fee that has been added and the report indicates I am 30-60 days past due. I contacted XXXX XXXX  again today and the representative stated she inadvertently reported this incorrectly and realized her error AFTER she submitted the information to the credit reporting agencies. The XXXX XXXX   representative indicated she is unable to rescind the submitted information to the credit reporting agencies The rep. indicated they have removed and credited all fees to my account as of today, however I would need to initiate the correspondence to have this removed from my credit reports. The representative stated XXXX XXXX will be happy to confirm this error to the CFPB, FTC, and credit reporting agencies by contacting them at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-21 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: Montgomery County Credit Bureau
State: TX

Complaint narrative:
I am not sure who the company is or the company name but I keep getting robo calls about I am qualified to lower my interest rates on my credit cards from the following phone XXXX. It says to speak to a representative enter option # 1. I have done this multiple times and I have asked the representative to remove my number from their list. This last call the representative told me NO and hung up. 

I get about 6 calls like this type every month. I called the phone number back and now I am getting a message saying that the caller is no longer receiving calls.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I made a {$2300.00} payment on this HELOC account at the local branch, but Wells Fargo Mortgage did not credit the HELOC account for the payment made. And Wells Fargo continued to tell me the account is in default and reported me to the credit reporting agencies.

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 monetary relief
Consumer complaint received 2018-05-21 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: CA

Complaint narrative:
XX/XX/2017 I traded in my vehicle with with new dealership. Months later previous lender reported false information on my credit worthiness to the bureaus. It is now being reported I was 3 months behind on payments 3 months after DMV release of liability form was signed and submitted.New dealership has proved the previous lender cashed payoff check before they reported 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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1. Security breach.

2.XX/XX/XXXXXXXX XXXX -I spoke with XXXX/Equifax. She said the flag on the port alert will be removed within 48 hours. Equifax call back number : XXXX. Confirmation number XXXX.

3. XX/XX/XXXX - The Equifax control number XXXX  has been closed. However the fraud alert is still active and can not be removed without written notification. This process is holding up my mortgage loan application from being approved per my load officer at XXXX XXXX XXXX.

4. Because of number 1 above. How do I remove my profile information from the Equifax database? I have major trust and customer service issues and their inability to resolve my issue ( removing the fraud alert at my request ) with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a fraud hold on my checking account due to a claim against me. I called and explain the situation on XX/XX/2018. They need 10 business days to resolve it. But I need access to pay my bill and rent for living. This is a financial hardship I am experiencing.

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 monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt is reporting on my credit report twice under the XXXX XXXX XXXX & XXXX XXXX and this account has since been sold to another collection agency and Ive tried to dispute debt several times between the months of XX/XX/XXXX & XX/XX/XXXXand Ive gotten any results ... Ive ask them to validate the debt and they have failed to do so ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
During training at XXXX XXXX  Virginia XX/XX/XXXX I paid {$510.00} which is two payments to update my account, then made a another payment XX/XX/XXXX ( have receipts from payment station and bank statement documenting the transactions ). In XX/XX/XXXX, I received a certified letter from Specialized Loan Servicing about my account being delinquent. I contacted the company via email and phone disputing the disclaimer. I was informed to email copies of my receipts and they would investigate. After several calls and three follow up emails later, it was only to submit another request for an investigation into the receipt of the funds in question. This was the first of the episodes while I ended up paying another {$510.00}. The second episode was getting another letter in the mail today ( XX/XX/XXXX ) dated XX/XX/XXXX informing me that my account was delinquent while I am yet again disputing it because I have a payment receipt and bank statement that indicates otherwise as of XX/XX/XXXX when it was paid. This company does not respond well when it comes to them having to pay back excess funds or investigate missing funds that should have posted the correct account. According to them, there was or is no way that they could have posted the funds to the wrong account ... ... very questionable after my payments have come up missing not once but twice.

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank approved and issued me a XXXX XXXX credit card that I received on XX/XX/18. Less than 2 weeks later on XX/XX/18, they unexpectedly cancelled that card and another chase IHG reward card without even notifying me. 

They claimed that they reviewed my credit report and thought I now had too many credit cards to have this card. I suspect they did not want to offer the XXXX point bonus any longer as my credit had not changed since my original application. 

Really perplexed but just doesn't seem like they cancelled my cards for any legitimate reason.

Company response to consumer: Closed with explanation