vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
My husband and I had a business line of credit with XXXX XXXX, secured with equity from our house and commercial building. This line of credit was paid in full and closed in XXXX. In XXXX, when we sold our commercial building a lean from this line of credit showed up making it difficult to close on our sale. After much hassle we were told the documentation had not been filed by XXXX XXXX correctly. Chemical Bank had purchased XXXX XXXX and we provided proof of payment in full. Chemical Bank then gave a written release of the mortgage for the commercial sale of the building. We have recently accepted an offer for the sale of our house. Again, this line of credit shows up as a lean making it difficult to close on the house. TCF Bank has purchased Chemical Bank. I have talked to the local bank manager who states it could take awhile to resolve as it goes to a regional loan officer. They were unsure as to when this could be resolved, which could affect the sale of our home. This problem should have been taken care of in XXXX, then again in XXXX. I want this to be resolved. I am glad my husband and I did not die and leave this mess for our children. I would appreciate a prompt resolution of this problem as it not only causes undue stress but may affect the sale of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive been trying to get my credit report from Trans Union for 4 months although this has been a long-standing problem with them. On XXXX XXXX XXXX they say they are unable to deliver my report online because they cant verify my identity although I have correctly answered all the questions. When I request it by mail and send them all of the proper identification documentation I get a letter back saying I didnt send the right documents. Thats not true. When I request it by phone it never arrives. I created an account on their website and it says they are unable to deliver my report online. I have no problem getting my report online from XXXX XXXX XXXX at any time. They have denied me my report 90 % of the time for years. They intentionally make it impossible. Ive been dealing with this issue with Trans Union for 40 years. It needs to stop.

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 2021-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have been getting many calls and emails on a daily bases. I am getting harassed by this company who says that they are private when I never sign with a private company. 
The President says student loans are defer until the XXXX. When I told them about this they claim that it do not apply to private student loans. They also claim that they have their own deferment due to the pandemic, but they are still adding interest to my account. 
They also claim that I can call every month until XXXX. I believe this is some kind of scam, or is not legal during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Bank refused to change my address asking me personal questions about my employment. I have not had bank statements in months just yet online which I can not access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously notified Transunion that I am a victim of identity theft

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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
Greetings, Re : Community Loan Servicing : Mortgage Fraud I purchase my home XX/XX/XXXX and Paid it Off. XX/XX/XXXX Community Loan Servicing, LLC sent me a new Mortgage Loan in the amount of {$110000.00} from their company. 
they appear to be using fraudulent information that's not there's. 
My wife and I was victims of Identity Theft # XXXX and was documented with a police report. They appear to be using fraudulent information that's not there's. 

However, I never refinance nor applied for a Mortgage with this company ever. I have asked them to provide original Community loan documentation. As of this date they have not provide proper Mortgage Documents. 
Every time we clear this matter up with former Mortgage Loan Company and they close their claim. A new Loan and/or Mortgage Company files complaints with the Three Credit Agencies for nonpayment of a Mortgage I do not owe. I need your help with this matter. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX continues to violate the FDCPA law by submitting inaccurate information to the 3 credit bureaus. And XXXX  & Transunion, continues to violate FCRA laws because they continue to report inaccuracies from the furnisher. The last payment made that is documented was in XXXX, that means from the false reporting it is adding another year to be kept on my credit reports. Also, this account is reporting being charged off but on-time payments received. The car is also documented as bein g repossessed in XX/XX/XXXX, so how can a last payment be made in XXXX of XXXX as reported?!

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 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/2021 account # XXXX. At XXXX XXXX I called Capitol One to pay off a debt. I was previously given a settlement amount of {$1100.00}. I spoke with Rep. XXXX XXXX and he went over the payment authorization of {$1100.00}. XXXX informed me that I would be prompted by an automated system to enter the last 4 digits of my SSN and he would return to the call to finish processing the payment. The phone call disconnected immediately before I could enter my social. I checked my bank account and it had a withdraw of {$2000.00} from Capitol One. I contacted Capitol One promptly to correct the mistake. Rep. XXXX XXXX stated she documented the call and it will take 14 days to refund the payment. I requested proof of documentation regarding this matter to be sent to my email and I have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XX/XX/XXXX I was approved for a mortgage. Since then I had to put in complaints about the service I was receiving. I called XXXX XXXX to ask her about a question about a property i seen that was residential / commercial she her referred to her supervisor who advised me at that time that if it was turned back to all residential I could proceed. I thought nothing of it any longer and started to look for other property 's. Well today I received a termination letter reasons stated : NFCU does not grant credit on the terms requested. XXXX XXXX then submits on the XXXX XXXX  What? There was no contract ever written no nothing. I am confused. MLS XXXX told me to today the notes underwriter wrote says no address, no contract, no nothing but still termination. This is retaliation cause i had emailed there ceo a couple of times when i was told not to. 
Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank gave me wrong interest rate of 0.02 % instead of 2 % but they do not want to admit this was a bank error. 

XX/XX/XXXX - received a promotion email from Chase that states '1.75 % interest rate for 6 months CD, minimum deposit of {$10000.00} '. I clicked 'additional rates and terms ' and learned 2 % interest rate for the money I had which was {$80000.00}. ( a copy of promotion email attached ) XX/XX/XXXX - opened the CD account online. I selected 12 months and deposited {$80000.00}. 

XX/XX/XXXX - a day after maturity date I noticed Chase only deposited {$16.00} which is 0.02 %. Called the bank but I was advised to visit the branch. 

The same day I visited Chase XXXX XXXX XXXX/XXXX XXXX branch. They could not find any record of the 'interest rate ' for my CD account. Branch didn't admit the error but escalated the case. 

XX/XX/XXXX - a banker, XXXX XXXX, moved my money from CD account to Savings account to avoid the CD to be automatically renewed. Multiple communications, emails between the branch but they were not willing to help. 

XX/XX/XXXX - Chase branch complaint escalation team called. 

XX/XX/XXXX to XXXX XXXX - Multiple communication between the escalation team. I have requested to check the interest rate at that time as it was a fixed rate. XXXX said she communicated with the CD team but they still didn't admit this was an error. Because I opened the account online they claimed they don't know which product I selected even though they know I had 12 months CD with {$80000.00}. 

XX/XX/XXXX - the case had escalated to 'Executive office '. No one called me so I got the contact information from XXXX from branch complaint escalation team. 

XX/XX/XXXX - after leaving two messages, the case manager, XXXX XXXX, called me back and left a message. She said 'I talked to the branch and the branch manager says he doesn't recall they offered 2 % and I opened the CD account correctly online with 0.2 % ( it's actually 0.02 % but that's what she said ). 

I formed a conclusion that Chase does not want to admit the error and not willing to fix the issue even though they should have the information of the interest rate they were offering at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
Mr. XXXX XXXX who is my lender, failed to pay my property taxes that are now delinquent and due for the year 2020. I have in good faith made all of my mortgage payments ( to August REI the lenders 3rd party loan servicer ) month and within time frame given each month without being late or missing any payments. Included in my mortgage is payments that is supposed to go towards paying the taxes in XXXX, Texas ( the property in which I am currently purchasing from the lender ). I have included along with this letter a copy of the delinquent payment invoice sent to me from XXXX County Tax office. Please help with this issue. This is a hugh inconvenience as well as a threat to my daily living stability and my families lively hood.

Prior to this I had to constantly go back and forth with getting my homeowners insurance paid for the year with monies paid into my escrow account. The year before I was forced to pay for two different homeowners policies due to the lender not wanting me to go with a lower rate and better company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America services my mortgage. I entered into a forbearance program at the beginning of the pandemic. Since then it has been impossible to get accurate information about my loan online or over the phone. I sent multiple payments in that were not correctly credited to my account. I continue to see inaccuracies on my monthly statements. As of this month, I noticed a 100 point drop of my FICO score. I pulled copies of my credit report from all 3 agencies. Until this month, I've had zero negative remarks on my reports. Bank of America has been reporting to the agencies although they have said that because I had gone through bankruptcy they were not reporting on my account. I'm not sure how long they have been reporting but the representatives that I have communicated with have always told me that they do not report my account because of my bankruptcy. I have contacted the bank and they have given me a reference number.

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I visited a website operated by XXXX Limited-Life to buy XXXX oil they advertised. The deal was that a {$6.00} shipping only charge would be debited for a sample of the oil. 

I entered my debit card information and instead of the site bringing me to a confirmation page as normal sites do, it took me to a page that asked if Id like XXXX  pills as well. I skipped that page and it went to a page asking if Id like to purchase their XXXX cream. I skipped that too and it took me to a page asking if Id like to buy a XXXX enlarger! 

I immediately exited out of the site all together, realizing it was a scam - NEVER confirming any purchase at all. 

A few days later, I received a sample bottle of oil, a bottle of pills and probiotic pills ( which were never even on the site! ) I checked my bank account and I was charged the {$6.00} listed as XXXX , another charge from that entity for {$6.00} and another charge for {$2.00} from XXXX XXXX Offer. - Then, on XX/XX/XXXX my debit card was debited for {$110.00}. 

I called the number reflected on my bank transaction detail and explained to the girl ( XXXX ) that I didnt agree to any of these charges. She assured me that the charge for {$110.00} would be refunded and not to send back the products. She said that she would speak to upper management and make sure the account would be closed and that the recurring charge would be stopped. On XX/XX/XXXX, I received the {$110.00} credit along with the {$6.00} ( one of the original shipping charges ). 

On XX/XX/XXXX, I received a letter from the collection agency National Medical Administrators , Inc. ( ref # XXXX ) demanding the {$110.00}. When I called this company and spoke to XXXX on XX/XX/XXXX, she informed me that this account was never closed by XXXX and that I owed this charge. 

XXXX  willingly refunded the money to me so they obviously conceded that this transaction was complete. 

After reviewing XXXX complaints about these two companies its clear that they are working together, and I realize that this is one large scam that is repeated almost exactly each time. National Medical Administrators hides behind the fact that theyre a third party and have nothing to do with the original transaction, but they continue to do business with XXXX. This indicates to me that they are willing participants in this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lost my wallet on a thanksgiving family trip and since then i have been seeing these fraudulent accounts on my credit.

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 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore Loan Management, my mortgage company not by choice but because they purchased my mortgage from my former mortgage company, has been in possession of {$28000.00} issued by my insurance company, XXXX XXXX, to cover a portion of the cost to replace the damaged roof on my home. The checks were issued to me, my wife and Rushmore. My wife and I were instructed to endorse the checks and forward them to Rushmore 's Loss Draft Department in XXXX XXXX, Texas, which I did, the first check was sent on XX/XX/XXXX in the amount of {$27000.00} and the second check in the amount of {$1200.00} on XX/XX/XXXX. For the past five weeks me, my wife and the business manager of the roofing contractor that did the work on our home have been trying to Rushmore to release the funds. The roofing project was completed in XX/XX/XXXX. XXXX XXXX issued payment based on project completion, my wife and I have signed an affidavit of completion, the roofing company has signed an affidavit of completion, the local building inspector has issued a certificate of completion and our XX/XX/XXXX has issued a letter of completion and yet XXXX can not complete the process or is unable or unwilling to process our request and return our funds so we can make the final payment to the roofing company. The roofing company has been waiting for payment for more than 90 days and are in the process of putting a lien on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NY

Complaint narrative:
There are numerous accounts lists on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Processing Group LLC
State: CA

Complaint narrative:
On or about XXXX XXXX I received a phone call from a place called XXXX whose name may have been changed or otherwise to Global or Debt Management Partners. Possibly Called National Processing As Well. They called family and myself making threats if I didnt make a payment then they would proceed with actions within the laws of my state regarding an XXXX XXXX XXXX pay day loan. I had been paying on this loan and the place was just XXXX. XXXX XXXX XXXX never called me or wrote me any communication and simply said pay when you can. The Debt collection agency also never sent me any written letter or otherwise concerning this debt. This situation caused me anxiety, nightmares and a health scare due to the XXXX I endured. They called from XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-04 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: IL

Complaint narrative:
I filed a complaint with CFPB regarding a fraudulent car company listed on all three credit bureaus, credit acceptance. within a week, transunion was able to remove the given creditor however experian and equifax refuse to due so. I am requesting that the given creditor be removed immediately due to being fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I request from Portfolio Recovery Associates complete details of several accounts they claim were purchased. My demands are as followed : 1 ) I request copies of any documents to prove ownership transfer.

2 ) The upset price on purchase.

3 ) The date of charge off.

4 ) The date of purchase. 
Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The information thats reported on my credit report by XXXX XXXX XXXX, is inaccurate. On XX/XX/XXXX XXXX received my regular monthly payment of {$790.00} in addition to a payment of {$15000.00} from a third party, proceeds from the auction of a XXXX XXXX XXXX thats financed through XXXX XXXX XXXX. For which they failed to pick up from the police impound after being given prior notice about the auction taking place. And now after receiving those payments, and me notifying them on XX/XX/XXXX about making future payments towards my account balance they went ahead and charged off my account without any prior notice. Which as severely damaged my credit and effecting me from securing future credits/loans.

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