vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My mortgage account is in forbearance under the CARES Act effective XX/XX/2020 to XX/XX/2020 or for three ( 3 ) months. Hence, I did send a payment on XX/XX/2020. 

However, about the middle of XXXX I requested for a pay-off quote which I received, in writing, on XX/XX/XXXX with a good through date of XX/XX/2020. 

On XX/XX/2020, at a banking institution ( branch ) in XXXX, IL, with the assistance of a teller and their manager, the amount of {$140000.00} was transferred.moved from my personal checking account ending in XXXX to my mortgage account ending in XXXX. 

The amount transferred was the exact same amount as the one in the pay-off quote. 

Monday to Thursday, XX/XX/XXXX to XX/XX/XXXX I kept calling BofA customer Service. I was transferred multiple times from Customer Service to Mortgage to Collections and back. And the wait times were horrible to the point that it would sometimes reach an hour. For a conglomerate such a BofA I find this as unacceptable. You do not value your customers ' time. Furthermore, whenever I do talk to a live person nobody could assist me as to what is going on. 

My mortgage accounts is till showing a balance and everything is on hold. Release of lien,  forwarding to the recorder 's office, title, etc. It is as if the whole process stopped and nobody in BofA could or would resolve the situation. 

My contact phone # is 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 monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc.
State: NC

Complaint narrative:
Received two pace loans from ygrene. When sold house took a week to get payoff which showed up 15 mins before closing and they would not answer the phone. They overcharged me over XXXX as to what everyone calculated. They are charging interest until XX/XX/XXXX even though being paid off today XX/XX/XXXX. And added fees not expected. When I received loan was told it was like any other simple interest loan that can be paid off at any time with no penalty. Now they are saying it amortized Annual and I still have to pay the payment due on taxes XX/XX/XXXX ... which is not what the put on the payoff. They put XX/XX/XXXX ... They also have in the last year been very deceptive on other items that did not match what was told to me. Also told the interest added to the amount burrowed upfront was to pre pay the interest until first payment due XX/XX/XXXX. But in payoff never gave me credit for it. Also told first payment due XX/XX/XXXX but billed my mortgage co in XX/XX/XXXX and was paid so should be less interest since XXXX was paid 5 months early. And they are doing this to a XXXX XXXX XXXX XXXX  XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: TN

Complaint narrative:
XX/XX/XXXX, an Alliant Banking representative by the name of XXXX XXXX sent an UNSECURED email with all of my PII information included to me, when she was simply supposed to send proof that travel alerts were put on my account. I never expected to get my full SSN in the email. My info was breach and I am afraid that my identity could stolen or worse. The link below contains the email XXXX sent to me and I have covered all of the PII for security reasons. The card number that you can see has been closed. Please see below. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a late payment reported on my credit which was an error. I notified the creditor and started disputes with XXXX, XXXX, and Transunion in early XXXX. The creditor mailed a letter which I received on XX/XX/2020 noting that XXXX, XXXX, Trans Union, and XXXX had all been notified of the update. Upon checking my scores and report, all credit bureaus with the exception of Trans Union accurately updated my report and score. I've tried dealing with Trans Union but between the recent XXXX attacks their cyber security department failed to prevent and general incompetence, I have gotten nowhere. Trans Union concluded my dispute saying they never received any information from the creditor with the late payment/delinquent remark - yet the other three bureaus have ...

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 2020-09-03 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: NJ

Complaint narrative:
I contacted Transunion about multiple inquiries on my credit report that I did not authorize. 
I contacted them on XX/XX/20 and spoke to a very RUDE and unprofessional employee named XXXX. He refused to remove the inquiries and told me that i needed a police report. I told him that they were unauthorized and that I was not doing business with these companies, which he still refused. This happened at XXXX on XX/XX/20. 
On XX/XX/20 I reached out to Factual data and XXXX was able to file a dispute on her end with the credit agencies, but told me she was not E-mortgage managment she was just a third party client.Please help me to remove these items from my credit report, they are not recognized at all and are negatively affecting me during COVID19. I am an essential worker and a XXXX  whom should spend my time saving lives and not arguing over the phone with credit bureaus. Thank you for your time 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
Consumer complaint received 2020-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi gold account ; linked my XXXX account on XX/XX/2020. Citi bank made credits and a debit for verification and asked me to verify those cents. After the verification they linked the XXXX account in their web site on XXXX. I made a transfer from the Citibank web site on XXXX of {$78000.00} and the money was credited XX/XX/2020 Auto S1 Debit CITIBK CK WEBXFR TRANSFE - {$78000.00} The Citi bank electronic transfer team tried to reach me for verification, but unable to contact me and the rejected the transfer on XXXX and said that the money will be returned to my XXXX account in 3 to 5 business days. But I do not see the money credited back to my account. When I contacted the Citi bank, they told me to reach to my XXXX XXXX and ask for the money. I contacted the XXXX and they did not see any transfer back from Citi to my XXXX account. The rep from move money team of the XXXX XXXX  was very helpful and she was in a conf call with Citi rep asking for the details of how the money was returned to XXXX. The Citi rep is unable to provide any info / offer any assistance. I need help to get the audit trail of the money and have it credited back to my account and either complete the transaction or return the money.

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 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In regards to account number XXXX from XXXX XXXX XXXX on my personal credit report. 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided. I am further requesting the name of the person providing this data, and the manner in which it was provided, in order that I may pursue additional remedies.

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 2020-09-03 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: NY

Complaint narrative:
my wallet was stolen and someone used my bank of america debit card on XX/XX/2020 to withdraw {$700.00}. I called Bank of America to dispute the transaction as fraud as I didn't authorize the transaction. After repeated attempts disputing the transaction with bank, they closed my account with a negative balance without an adequate investigation. 

I filed a police report regarding manner and provided it to bank.

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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
in XX/XX/2020, I made a purchase at XXXX XXXX. I paid off the account, then closed it. I was dissatisfied with the annual fee that would be charged to the account. On XX/XX/XXXX, a refund was issued. I have yet to receive a refund from Capital One one month later. In XXXX, I also closed a second Capital One card. A few days later, I had changed my mind, and wanted to reopen the account. I contacted customer Service. I was told that I can not reinstate the account, and I should reapply. I reapplied, received a hard inquiry on not one, not two, but all three of my credit bureau files, and was then declined. So now not only do I not have the open account that I was seeking, but I have THREE hard credit inquires for one application - how is that right? I have paid ALL of my credit obligations, on time, every month. I do not understand why I can not reopen an account, when I have been an excellent customer. Why is Capital One holding my refund? Why do I keep receiving auto loan letters, when I can not drive?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: NV

Complaint narrative:
Purchased my car from CARVANA XX/XX/XXXX. 
Temp tag expired XX/XX/XXXX. 
Im an XXXX driver, and rely on my car for my income. Im not able to drive it legally, Im paying for a car payment and insurance. I ALSO have to pay {$280.00} a WEEK, and they thought it was suitable to send me a {$250.00} check to cover me for another MONTH! They said I wont have my plates or registration MAYBE on XX/XX/XXXX, but wont continue paying for the rental I have to use to do my job and make an INCOME. The woman on the phone literally said - if it was me, I wouldnt send you the check. Oh, so youre telling me i have to work an extra 12 HOURS of DRIVING a week just to pay for the rental before i start making my income? Thats cool. Absolutely ridiculous. One woman says it hasnt been sent, the other says it has. They constantly lie and beat around the bush and dont care about their customers AT ALL. One guy has been waiting 160 DAYS for his registration. How is this even okay??? So I am physically drained beyond belief while these girls are sitting at home saying they think I dont deserve to be paid for the rental I shouldnt have to pay for if they did their job right in the first place? Quit blaming Covid, the DMV in Nevada is NOT backed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am an authorized third party, representing borrowers XXXX XXXX, and XXXX XXXX, owners of XXXX XXXX XXXX XXXX XXXX Illinois. I am mediating a short sale, under the supervision of attorney XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, on a XXXX XXXX insured, Mr. Cooper serviced mortgage. As part of my work advocating for the XXXX family, I made Mr. Cooper aware the property was in poor condition and for best valuation data, we were requesting an interior appraisal be performed to best ascertain property value. -- -- - Despite my request, Mr. Cooper and XXXX XXXX commissioned a BPO valuation on XX/XX/2020 in order to determine fair market value for the sale of the above referenced property. The Realtor has affirmed this was a mere `` drive by '' valuation. I was told by the Realtor, the drive-by occurred XX/XX/2020. I have made 7 requests for a copy of the valuation report : XX/XX/2020, XX/XX/2020, XX/XX/2020, ( XX/XX/2020 Mr. Cooper countered out buyers offer and asked for a response without supplying required value report ) XX/XX/2020, XX/XX/2020, XX/XX/2020 and lastly, in a formal escalation request to XXXX  on XX/XX/2020, I asked again. Mr. Cooper 's employees have either pushed the request to a different rep, claimed it was XXXX 's call to deliver it to me, and flat out refuse to state it was confidential to XXXX XXXX -- -- -- - I responded to the denial, and opened the XXXX  escalation case by providing a copy of the regulation to each entity - in particular ; BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1002 [ Docket No. CFPB-2012-0032 ] RIN 3170-AA26 Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act ( Regulation B ) -- -- -- - I pointed both Mr. Cooper and XXXX  's  employees to pages 2, 23-24 and 27, which specifically address the responsibility of servicer to give loss mitigation borrowers a copy of their valuation reports -- -- -- In a call from XXXX  on XX/XX/2020, a XXXX  employee called me to tell me they would inform Mr. Cooper to comply with regulation. To date, I still do not have a copy of the valuation report. I believe Mr. Cooper and XXXX XXXX are withholding the valuation report because they know it is a flawed report and to attempt to exhort more money from buyers at risk to the XXXX family of losing a true fair market value offer for their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I applied for and application to refinance my current mortgage with this company close to 4 months ago. This company was slow to process my loan. Today after speaking to three employees I learned that my loan would not be processed until my reported child support arrears {$1600.00} ( estimate, and not appearing on my credit report ) was paid in full. This policy was not reported to me prior or during the processing of my loan request. 

I requested to see this company 's policy and I was refused by three employees.

This policy should be accessible and shared to the consumer. I believe that this policy may be unfairly targeting certain ethnic classes of people. The fact that my company is not being transparent related their policy should bare strict scrutiny, and it is assumed their practices may be in place to knowingly or unknowingly exclude classes of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
An account was opened by SYNCB/XXXX  in XX/XX/2017. I did not open this account, but it is reporting on my credit report. This account is charged off and reports a balance of {$6000.00}. Although, it is not my account I believe my wife opened this account. 

I have contacted SYNCB/XXXX  as well as XXXX, XXXX  and XXXX   explaining this. None of them have resolved this issue or provided any info that ties myself to this account.

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 2020-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
I was wrongly consulted about my student loan consolidation, resulting in over half of my loans not qualifying for XXXX after 8 years of regular payments. I was told my only option was to consolidate all of them again starting that back to zero. 

Addtionaly, while doing my XXXX  program I waived my in-school deferral and continued making regular payments, as I am employed fulltime by a state institution of higher education. I was told none of those payments counted, and then told they needed to review the payments. After almost a year, I receieved notification that those payments did not count. When I called, the person I talked to said that was obviously wrong and resubmitted them for review. 

I requested a copy of my account records to confirm when I recieved erronious information and was told that I could not have access to my account records without a court order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Wayfair Credit through Commenity Bank conducted deceitful services by applying for my monthly payments incrementally to both balances instead of the balance that would end proportionally first. The website does not outwardly state the breakdowns of the payments. I have paid off my card in full but due to the deceitful breakdowns, I was unlawfully charged all interest fees. Attempted to resolve this with 3 representatives and was escalated to the highest level ( XXXX ) ID number XXXX ) who refused to work with me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: FL

Complaint narrative:
I have asked Transunion to investigate the following inquiries, they haven't investigated and keep replying that they are inquiries and nothing can be done. They should be removed promptly. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. 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
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: MA

Complaint narrative:
I am demanding that the Original promissory Note to be returned to me Now associated with loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting a complaint of behalf of MYSELF. 
This complaint in response to a dispute submitted on XX/XX/XXXX ( Report Number : XXXX ) which is attached along with a plethora of other documentation. I was notified on XX/XX/XXXX that the account was verified. My Experian was updated on ( XX/XX/XXXX ) with 54 charge-offs reported and a high balance of XXXX that was charged off. The past due balance shows {$7200.00} and the last activity shows XX/XX/XXXX. I called Experian the same day and spent over an hour on the phone with Experian representatives NONE of them could answer my questions and I was repeatedly hung up on or transferred to someone whose only response was to file another dispute. Even after disputing this account as inaccurate XXXX XXXX continues to report different information to each bureau for the SAME account! My XXXX was updated ( XX/XX/XXXX ) that the high balance on the account is XXXX. The last activity for XXXX  is showing XX/XX/XXXX. The account was deleted from my XXXX  account in XXXX. 
It is illegal for a credit bureau to report information that has not been properly verified and Experian has not done their due diligence in verifying this account. I am attaching screenshots that XXXX XXXX is blatantly reporting inaccurate information to the credit bureaus which is ILLEGAL. Their actions have caused my score to drop XXXX points and has put my mortgage approval in jeopardy. 
I am requesting that XXXX XXXX expeditiously remove this inaccurate information from my credit reports IMMEDIATELY. I am XXXX XXXX XXXX and clearance requires that I accurately report any debt or delinquencies. This information changes so much which makes this requirement impossible. Both of the companies have continuously violated my rights under FCRA.

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 2020-09-03 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: Colony Brands, Inc.
State: FL

Complaint narrative:
In XX/XX/2020, they reported to the credit bureau I did not make a payment and I was late. The account was never late, I made the payments. They made a mistake on my account and did not credit a late fee. This was there fault the late fee was finally credited and the account was current.

Company response to consumer: Closed with explanation