vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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: NV

Complaint narrative:
These are not my accounts, nor name that's listed on 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 2020-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK HAS A PHONE HOLD TIME EXCEEDING 90 MINUTES TO HELP A CUSTOMER. THIS IS OUTRAGEOUS AND DOWNRIGHT RIDICULOUS. IF THIS WERE AN AMERICAN COMPANY THIS WOULD NOT BE HAPPENING. TD BANK CONTINUALLY APPLIES CHECKS SENT ON XXXX BY MY BILL PAY THROUGH XXXX  XXXX XXXX LATE AND THEN CHARGES ME A LATE FEE. I AM SICK OF IT. TD BANK SITS ON CHECKS, DOES NOT HAVE XXXX LIKE EVERY AMERICAN BANK DOES. THIS IS A DELIBERATE ATTEMPT TO MILK LATE FEES OUT OF US CUSTOMERS AND IS NOTHING MORE THAN INCOMPETENCE AT THE EXECUTIVE LEVEL WHO IS ULTIMATELY LIABLE FOR ALL OF THE BAD BEHAVIORS ON THE PART OF TD BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Just got off of Forbearance, and mortgage company was adding extra fees for unexplainable reason, which i believe i am being taken advantage for their possible losses in their revenue.. 
Spoke to 2 different reps, and the first one i spoke to took my payment on XXXX, for 7 months, that i owed for being on forbearance, and told me that all i owed was for the fees, in which i told her i would pay those on XXXX. On that date, I went to the web site to make a payment, and notice and extra XXXX dollars added, when all i was told that, the payment was for the fees only, when on XXXX the payment, on the web site on that day read the 7 months payment due XXXX So i get on the web site on XXXX, and their is an additional XXXX dollars added, with a due date of XXXX The 2nd rep wanted to add an additional XXXX more for fees to the already XXXX dollar added amount on top of the fees that i had agreed to pay with the first rep on XXXX My complaint is the fees that am continuing to pay ; i feel are for their benefit and not mine.. I understand i was struggling to make payment for a while, but with fees for this and fees for that, how is a family going to make the correct payment if the amount on the web site is not the correct amount due hidden fees, which in then i get hit with a late fee because the right amount was wrong on the web site..This mortgage company took over my previous mortgage company ( Seterus Inc ) which i filled a complaint with them for Breach of my information..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts, nor name that's listed on 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 2020-08-21 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: NV

Complaint narrative:
These are not my accounts, nor name that's listed on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
We refinanced our loan last year and the loan was sold to AmeriHome Mortgage on XXXX. We asked for an escrow account. We have been told multiple times what is needed to obtain the escrow account but once we submit the documents and the payment, the company fails to act on the request. I have contacted them multiple times and they keep saying they need something else to obtain the escrow account. Once I submit the new documents, they fail to act on it. I have gone through this multiples times and have even had to make my tax and insurance payments myself. My husband and I are retired and it constitutes a burden for us to make these payments all at once. 

This company has pulled extra payments and have held our money in an escrow account since XXXX, XXXX  but has never made a payment to our taxes or insurances. 

When I request information in writing they say they are going to generate a letter to us but no letter is forthcoming. 

Is there anything we can do about this situation beside refinancing with another lender?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Appraisal Transfer Refusal. I have been refused a refinance application and the company involved will not forward the appraisal documents for my home to my new lender XXXX XXXX XXXX. This request has been ongoing since XX/XX/2020. The appraisal was paid for by myself. 

It appears there is 1 individual working for 2 mortgage companies. I applied to Caliber Home Loans after they offered better terms than XXXX XXXX. 

The person who ended up servicing my application : XXXX XXXX 's ( XXXX ) XXXX Direct Line Email Addresses : XXXX XXXX I ended up receiving a refusal from XXXX XXXX  although I did not follow through with my application as well as from Caliber Home Loans. Mr. XXXX started using his XXXX XXXX  email 3/4 into the process. 

My new lender is unable to move forward until the appraisal has been received by XXXX XXXX. We are 2 months into requests and XXXX are not receiving any reply although I signed a document giving my permission to give the appraisal to my new lender. I obviously do not want to pay for another appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NH

Complaint narrative:
This is both a complaint and a Freedom of Information Request to  Nelnet XXXX Inc. - a U.S. Department of Education Loan Servicer. I have previously filed a CFPB complaint on XX/XX/2020 XXXX XXXX, which is NOT published when I requested this complaint to be published ) stating that I do not have access to my account on-line with XXXXnelnet.com. Today, XX/XX/2020, Nelnet mailed me a letter stating that my issue for access is with my browser. This letter is a lie as I have previously provided video link proof that I am unable to " see '' any information and as of today, XX/XX/2020 I can not even log onto Nelnet - without receiving messages that I have to phone call Nelnet. In my CFPB complaint, my final comment was requesting that Nelnet provide me with a meeting, any two dates, any two times, and instead I receive a " browser '' letter as a response. I am requesting that Nelnet provide me with any two dates and times and location/address so that I, XXXX XXXX XXXX, can physically see my Nelnet records along with my husband, Mister XXXX XXXX XXXX and my son, Mister XXXX XXXX XXXX. If Nelnet refuses to give me a meeting then there can not be any account and I do not owe any money for any U.S. Department of Education Student Loan ( s ). 
Further, I reserve my rights to file in Federal Court against Nelnet for this constant abuse with not providing me with full account access and refusing to comply with a Freedom of Information Act request for a meeting and any other harm. Here is the video link proving that there is NO browser problem : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
1. Opened a premium checking bundle as advertised on the main landing page of first citizens bank to get the {$500.00} sign up bonus after fulfilling the following conditions Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening Open a new savings account 2. Both the above conditions have been met and multiple emails and phone calls to the bank from last 2 months have got no positive response on the bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
About mortgage lender : AmeriSave Mortgage Corporation. 

This lender seems a scheme! It took me 2 months since I applied, paid {$500.00} in advance, and one and half months since I submitted my full documents, my profile hasn't still processed or underwriting. No appraisal as well. I waited week by week and when I gave them a notice of cancellation, the loan officer replied some excuse but didn't response straightly to my request. Three days after I sent them the 2nd notice, they sent me an email stating that they denied my application because of " credit application incomplete ''. I myself work in XXXX XXXX that I know for sure my application is very well qualified. My credit score is above 840 and all employment, salary, my house are perfect conditions. I submitted every documents whenever they required but they didnot process my file. This is lender just paid advertising online to take borrowers an advance fee but is unable to handle borrowers ' application. Since they didnot conduct an appraisal, I requested them to refund me my {$500.00} but they didn't respond. The practice of this lender is very untruthful, untrusted and unprofessional!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Not my debt, I paid what I was suppose to pay three years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC
State: IA

Complaint narrative:
I took out a payday loan in 2018 that was not paid back entirely. I made payments on the debt but lost my job and unable to finish at that time. I had used a payment arrangement previously to pay back a loan when it became difficult. I was advised I could only do this once in a 12 month period so I would not be able to do it again when I lost my job a few months after that arrangement. The debt was sent to a collection agency. I did receive several voicemails about the debt but was never sent any written correspondence, nor do I answer unknown numbers. The agency was never identified in the voicemails and I do not call back companies that do not identify themselves as I get a ton of " robo-calls ''. The calls eventually stopped. 
Today I received a phone call from a " local '' number and answered as I am in the middle of a job hunt. I didn't want to miss a potential employer calling. The representative stated her name and asked " so I know who I am talking to, can you verify the last 4 of your social? '' I had to ask for her to identify the company which was D2 Management. I have never heard of this company. She did state that she was calling for XXXX XXXX XXXX and then stated the disclosure to this is an attempt to collect a debt, for collection agencies. She advised what the amount was, which was {$500.00}. During the conversation, I stated I had never received any correspondence that they were attempting to collect on this debt and that I have no idea who this company is. She said I could look the company up on the XXXX  site. I advised I was currently unemployed and could only make a small monthly payment of $ XXXX. The representative ( XXXX ) advised that the payment would have to be " approved '' since the debt is over 12 months old and would have to be an auto payment by credit or debit card. I declined this and advised once I received a letter in the mail verifying the debt and payment arrangement, I would send in payments by money order if required but I do not do automatic payments. XXXX told me that if I was worried about having my information that I could get a prepaid debit card but that mailed in payments could not be accepted. I asked again to have a letter sent in the mail verifying the information and again ( several times ) advised I was not going to set up an automatic payment but I would mail in payments. She told me at that point that " we are not going to send at letter since you won't set up an arrangement at this time. I am trying to help you but we have to have this arrangement set up, the debit or credit card on file before we send a letter. '' I informed her that the company is required to send a written notice of the debt and with the refusal not to do so, the conversation is over. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX, from XXXX XXXX XXXX on XXXX XXXX  XXXX  @ XXXX, XXXX, TX, the salesman acquired a {$12000.00} loan through Exeter Finance, LLC. with a 24.1 % interest rate. The interest rate was not  explained to me ; however, I told the salesman I had {$1000.00} for a down payment and I did not want my car note to be more than {$350.00}. My credit was fair, so I did not expect to get taken advantage of. The salesman even told me I could bring the vehicle back to XXXX XXXXXXXX and trade it in after 6 months. I attempted to trade the vehicle recently only to be told I still owe XXXX, XXXX on the vehicle, which is valued at approximately {$4000.00}. I have been paying on this vehicle for over 3 years, I even made additional payments which were supposed to be going to the principle of the loan only to discover it went to the interest. I believe this was a fraudulent loan and the salesman must have received additional money for getting me to accept that high interest rate. What happen to me was extremely unethical at the least. Things are hard enough due to the COVID-19 pandemic, then to discover I been ripped off really stressed me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a letter of denial for a credit card I did not apply for thru Chase. The card said my card application was denied based on credit score and lack of credit experience. 
I did not apply for a card at Chase. Someone else did and I am not sure if they used my SS number, but I am assuming they did so I am very concerned of Identity theft. I am not sure who to call at Chase because there is no number on the rejection letter. Only numbers are on the XXXX XXXX & XXXX Credit Bureau. I can send a copy of the letter I received if I knew where to send it. Any help would be great. Warm Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank closed my XXXX XXXX Credit Card on XX/XX/2020 without pre-notification and without notifying me of the closure after the fact. The reason they gave was inactivity. I was only notified of the closure when I received an alert that my credit score had dropped due to the account closure. I am in the process of selling my home and purchasing a new one and this drop in credit score will severely affect the rate I am able to receive on my next mortgage. 
I spoke with two individuals at XXXX credit agency that told me there is nothing they can do to reverse the adverse impact on my credit score. They are simply on the receiving end of the account closure. 
I then reached out to Comenity Bank. My issue was escalated to senior customer service representative XXXX ( ID # XXXX ). He confirmed that they did not notify me via email or mail before closure or after closure. He also confirmed that there was nothing that they could do to reopen the account or provide anything in writing to me or the credit agencies about this account. I was clear with him that my next step would be to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-21 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-08-21 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: TN

Complaint narrative:
I looked at my credit report and noticed a few accounts I did not belong to 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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my XXXXREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at XXXX unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and wallet nerd that I see I am not alone ... ..

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