vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a mortgage at Chase bank to purchase a property in XXXX XXXX. XXXX XXXX was my loan officer. The loan eventually went through after a nightmare of a process. XXXX XXXX was completely incompetent and unprofessional in every way. We had a very short 21 day escrow without loan contingencies. XXXX recommended we do that because he promised he would have no problem closing the loan in 14-17 days as he had had my paperwork for months because he was working on another loan for me. Not only did he start out by switching two numbers in my annual income ( {$150000.00} became {$190000.00} in the loan application! ) he then went on to failing to disclose to the underwriter that I have a $ XXXXmonth child support payment that he's known about since day one. He also did not submit my divorce agreement to the underwriter. He was either trying deliberately to hide it from them, or actually just forgot about it - either is equally bad. The result was that my loan got flagged all the way through the system, we went to national exemptions desk and eventually closed over 2 weeks too late with huge financial and personal costs for me and my family. We had to pay contractors waiting fees for weeks and cancel work and family vacations because of XXXX 's incompetence. It turned out my debt to income ratio was too high, which XXXX had known all along since he had all the numbers for months. But he still pretended to me he could close in 14-17 days when he knew very well that would be impossible. He basically dragged me and my family along on an incredibly risky journey, that he had no idea if he could even finish, or when. And all along he kept telling me everything was fine, we would close tomorrow. Then the day after, then the day after. Just completely unprofessional and unacceptable. He had no idea if he could even close this loan, because he knew the numbers were off, and he still took it on. 

My experience working with XXXX was terrible. He never told me the truth about what was going on. He was never on top of the situation, and was constantly surprised by things that should be super obvious - Like the fact that he can't hide a $ XXXXmonth child support payment from the underwriter, or that my debt to income ration has to be at a certain level. He also was never right about timing. He ended up closing 2 weeks too late. Which had grave consequences for me and my family. All in all my experience with XXXX was a nightmare, and I hope nobody ever has to be exposed to what he put me and my family went through again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
My sister received a call from a company called Williams and Fudge. From a rep named XXXX or XXXX. She proceeded to tell my sisters sensitive information about my student loan account which I was already aware of. I told her at that point I did not want to work with their company because I was handling the matter through my university. She became very disrespectful saying that I was constenting for my loans to be dilinquent. Which I never verbally consented to do. The phone call escalated with me hanging up. I called back to complain and that female caller was rude as well. I asked her multiple times to send my call to a manager and she would not. Eventually she sent my call to a supervisor name XXXX who was just as disrespectful. I said i will pay the loan but I didn't want to work their company. They said it was either them or the highway. I hung the call up because yet AGAIN we were getting nowhere. These people will try to intimidate you and threaten you. Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
The fact that XXXX  is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX  and XXXX removed ALL fraud accounts, but XXXX   started the '' dispute " process. The 4 Companies are Ars llc opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that XXXX   still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to 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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need transunion as well as XXXX  and XXXX  to report correctly that XXXX XXXXXXXX XXXX has a XXXX balance and is a paid and settled credit card from XXXX XXXXXXXX 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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need XXXX  as well as Experian and XXXX  to report correctly that XXXX XXXXXXXX XXXX has a XXXX balance and is a paid and settled credit card from XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
We are struggling and SunTrust has put our business into futher jepodary by charging exorbitant unfair overdraft fees causing our small business major financial distress. In an attempt to remedy the situation I visited the XXXX XXXX location. The employee waived 1 fee but I was ( I found this info out on a 2nd visit, to the XXXX XXXX branch ) NOT informed of what I could do to prevent this from happening again. I was NOT advised that I could get overdraft protection by either opening a savings, or getting a business credit card, or registering my email. If i had been advised of this I would have done so. I feel very taken advantage of. The fees are unfair and have caused my business great financial distress. 1 fee would be fair, but {$220.00} in one month and {$150.00} in a 2nd is beyond unfair!! HELP!!

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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I had a credit alert on my XXXX XXXXXXXX account. 
A company called XXXX XXXX XXXX did a hard inquiries on me and was done on XX/XX/XXXX. I have never opened account with this company at all. It states it will be removed from my account in XX/XX/XXXX. It has brought my credit score lower. I want this XXXX XXXX XXXX taken off my 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 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
in XX/XX/XXXX I cancelled my XXXX XXXX subscription because their products never worked, they refused to allow me out of the contract without making me pay the earlier termination fee. I paid my final bill and the early termination fee. i returned all the devices they had sent to me. They mistakenly kept my account active even after i paid my " final bill '' ( their words to me as i made the payment ) and told me that the account remained active after all because we used the " hopper '' receiver to re-order service. So they wound up sending another bill for another months service, i called them and raised XXXX and told them I've already paid and asked why did I pay a cancellation fee if they hadn't canceled it? they agreed that they shouldn't have kept he account active and confirmed they would reverse the charges. I never heard back from them or received another bill after this was all finally resolved this XXXX ... Now all of a sudden in XX/XX/XXXX i see they have sent me to a collection agency and are damaging my credit rating.

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 2018-07-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THE COMPANY’S RESPONSE ADDRESSED ALL OF MY ISSUESNoADDITIONAL COMMENTSCFPB- in XX/XX/XXXXof last year, I came in from the jet ski trip, and being in a foreign country where safety can be a concern in incidents like this, spoke with the hotel (the hotel which confirmed in email (the 3rd party letter) to ensure someone was aware, other than the 2 parties involved. Then, I proceeded to my room and spent ~90 minutes on a call with a B of A representative who informed me that I do not need to be worried and that this was the only information she needed today. So, I was under the impression that I had covered all my bases in order to receive the credit back. Later on, when I was back in the US, I had to call for an update on the submitted claim which I believe took place in early XX/XX/XXXX. At this point, B of A tells me that I need to submit a letter from a 3rd party source that CONFIRMED THE DETAILS OF THE INCIDENT. Nothing was even mentioned about a technician being required that would confirm the jetski was, indeed experiencing technical issues that caused the sinking/smoking of the engine. These types of issues are rampant on the XXXX XXXX XXXX XXXX (or even XXXX  in general), so I am baffled that this is even being questioned. I have 3rd party confirmation of the incident taking place, and I am tired of discussing an issue that was reported the day it took place, no instructions were given to me on how to handle, and not until I was home did anything get mentioned about the 3rd party confirmation. Realistically, however, even if I had known I needed a technician to come view the jetski, do you really think the jetski rental spot would let this happen?! Certainly not. I expect my bank to fight on my behalf in incidents where me (the consumer) are being taken advantage of by companies in foreign countries. I covered the bases I was aware of while in Thailand and while back in the US. Now, I want B of A to do their job.I UNDERSTAND THE COMPANY’S RESPONSE TO MY COMPLAINTNoADDITIONAL COMMENTSI understand what they are saying, but it STILL does not align with the communication between B of A and myself on the day of the incident.THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINTNoADDITIONAL COMMENTSSee above

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 2018-07-12 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: NC

Complaint narrative:
On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXX XXXX  on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with 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 2018-07-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXXXXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXXXXXX XXXX on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Your receipt from TransUnion (Order #XXXX)Here is email I sent to: XXXXTo Whom It May Concern:I did not want this feature ($29.99) and must have accidentally clicked on something that wasn't clearly defined, which is the case with your website.Please reverse the charge or I will be forced to dispute it with my bank. Your website is seems deceptive and causes people to click on things that aren't clearly defined. Also, you make it very difficult to cancel anything including the subscription, the website keeps running you through circles. All of this information I can get free via my free credit report per year also I get it free with my XXXX XXXX Cards...Going to your website has cost me $XXXX already for literally stuff I get for free, it's ridiculous!I'm very dissatisfied with all of your services and believe your website is deceptive in the way it is designed. If I could give you a rating it wouldn't be worth even one star....Thanks literally for nothing but stress-ugh!

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 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
To Whom It May Concern, I always pay my credit cards in full so I'm not that familiar with how interest on them works but I can't imagine the below can be correct/legal otherwise how would anyone not being able to make full payment ever get out from under the debt? On my XX/XX/2018 Bank of America ( BoA ) credit card statement the full amount due was {$860.00} and I accidentally paid {$860.00} which is exactly {$6.00} shy of the full payment ( payment was made on time ). This was a typo error on my part, no question. This {$6.00} under payment somehow turned into {$12.00} in interest charges on XX/XX/2018 statement. When I called the company Customer Support line ( on/around XX/XX/XXXX ) to ask how accidentally not paying {$6.00} of the full amount due could turn into {$12.00} in interest the person could not explain this to me ( this is over 200 % of my accidental non-payment ). Frustrated with the person 's lack of ability to explain this made me cancel the card effective that day ( on/ard XX/XX/XXXX ). I made immediate payment of the full balance ( {$2900.00} ) which BoA recorded on XX/XX/18. Somehow even though the card closed and paid in full, I received a XXXX bill with an additional amount due for interest charges of {$5.00}. So accidentally not paying exactly {$6.00} in XXXX creates a total of {$18.00} of interest charges. The XXXX and XXXX statements are attached so balances and payment as well as interest charged can be seen. Any questions please reach out. If this is in fact legal ( please let me know ) and I will then share this insanity with my congressman and senators as this just does not seem fair to consumers. 
Thank you,

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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Old information keeps reappearing. World Omni finance Corp. charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus world Omni is showing it open when charged off 4 years ago. Word Omni needs to report correctly with a XXXX balance cause they got their money for this scion and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, P.C.,XXXX XXXXXXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct, ( XXXX ) XXXX-efax, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a Ms. XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX XXXX

Company response to consumer: Closed with explanation