vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have applied for a mortgage refinance with XXXX. The application process began on XX/XX/XXXX and was approved for underwriting. I promptly submitted the required documentation and there was no issues. The loan being refinanced is a JUMBO mortgage loan and the investor is Chase Bank. 

Throughout the underwriting process, Chase Bank changed their underwriting requirements multiple times. They went from 90 % Loan to Value ( LTV ) as a  requirement and 1 month of liquid reserve assets ( about XXXX in total amount ). They then went to 88 % LTV as the requirement within a week. 

At the end of XXXX they changed their requirement to 85 % LTV and required XXXX in non-liquid reserves ( like retirement income ) and 6 months ( about XXXX ) in liquid assets. 

At this point, even with the changes, we were able to still proceed. However, 1 week before closing, on XX/XX/2020, Chase changed their underwriting guidelines again and are now requiring 80 % LTV. 

This results in a hardship for us and we don't have the extra money for closing with such a drastic change. It would require us to come up with approximately and extra XXXX for closing. 

I feel that Chase is being malicious in their underwriting guidelines and changing their requirements so drastically right before our closing date. Because it is a JUMBO mortgage they seem to not have any consistency or standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: GA

Complaint narrative:
XXXX, GA XXXX XXXX I hope you are Safe and Well!! I can not get a response from the Georgia DOL or it's Partner Way2Go concerning a debit card they promised to send Me. On XX/XX/XXXX I was informed by email from Way2Go/Conduent/XXXX  that a debit card was forthcoming. I have yet to receive the card and No way to Contact them. Way2Go are not answering their phones & their website is completely USELESS. What's disconcerting is I know others who have received their cards after filing weeks after me. Help Please I was just informed that my Claim has been Approved and the Funds forwarded to the account or card which I have NEVER Received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
in XXXX filed bankruptcy. fifth third was one of the debtors we had to pay. we paid this every bi weekly thru my check auto pay. paid bankruptcy off in XXXX discharged paid in full. that being said tried to refinance thru XXXX XXXX  and they found lien from fith third on us still. called and found out our bankruptcy attorney forgot to file lien strip to have this finalized/dropped. it was too long of period of time for attorney to do anything, and fifth third wont cooperate we have papers of discharge paid in full and they wont close this. saying we owe this godly amount over XXXX now. they never ever tried to contact us or anything. we found out thru refinancing attempt. Thats pretty much short story. we want fifth third to close this and remove lien. we cant refinance or sell. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: GA

Complaint narrative:
I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX   XXXX Date:XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : : {$75000.00} Account Name : XXXX XXXX XXXX XXXX DateXX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Amount : {$25000.00}

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 2020-04-20 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: GA

Complaint narrative:
I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX Date:XX/XX/XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX  XXXX  Date:XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : : {$75000.00} Account Name : XXXX XXXX XXXX  XXXX   Date:XX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX  XXXX   Date:XX/XX/XXXX Amount : {$25000.00}

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Can't get access to my Massachusetts unemployment card account please contact me XXXX XXXX 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 2020-04-20 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: GA

Complaint narrative:
I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Amount : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I made a charge on XX/XX/XXXX for {$1100.00} for a vacation rental. I disputed the transaction on XX/XX/XXXX as I never received the service. I submitted all materials requested on XX/XX/XXXX via email, and received a confirmation email. 

I called in on XX/XX/XXXX to confirm all required materials were received and was assured they were, and was informed that the charge would be credited before the statement closing date. I asked if there were time limits I needed to worry about, and was told that the dispute was initiated on time but that processing can take several days. 

I called in again on XXXX XXXX as I received a systemic email from Citi disputes area, advising that I had not provided the requested documents. On that call XXXX XX/XX/XXXX ) I confirmed with the representative that all materials were received and that I did not need to provide anything else. I requested and spoke with a manager on the same call XXXX XX/XX/XXXX XXXX and spoke with XXXX ( account supervisor ). XXXX again confirmed that all materials were received, and that the charge would be credited, and that I can ignore the emails sent by Citi as they were still processing the dispute. I was assured that Citi had everything they needed and that I just needed to wait for Citi to request the funds from the merchant 's bank and apply the credit to my card. I was told by the manager XXXX XXXX XXXX that he would expedite this request and reduce the time frame from 7-10d down to 3-5 days, and that I should expect to see the credit in 3-5 business days. The manager XXXX XXXX XXXX also submitted a request that I be contacted by phone, with my callback number included. I never heard back, and on XX/XX/XXXX ( a month later ), I received a letter from Citi advising that too much time had passed and that the dispute was closed. 

I have tried calling the disputes department multiple times and am told in the IVR that the department is open from XXXX - XXXX Monday through Friday. I call during those hours, and get an automated message that the department is closed.

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 2020-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. In XX/XX/XXXX I used the app Remitly to make a money transfer transaction to from my checking account to my wifes checking account to her bank overseas. The funds were withdrawn the moment I made the transaction. Their record show the transaction was completed and the the funds were delivered to my wifes checking account, but she never received them. Attempted several times to tried to find what happens to the funds and opened an inquiry to trace the funds, but have not received a response from Remitly and now they are unreachable. Not by email, phone or email. The funds were withdrawn form my XXXX  XXXX XXXX checking account and were supposed to be sent to XXXX XXXX to her XXXX checking. {$220.00} or {$12000.00} XXXX pesos.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a compliant against Equifax through your agency ( cfpb ) which Equifax responded as follows : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products.The company writes results were mailed to me. 
However in their letter dated XX/XX/19, they ask that I send Information I already sent via certified mail as it relates to my identity. They also failed to address all of my concerns. None the less they updated my address information. How is it they can use the information I sent to update an address yet write in their correspondence they are unable to locate a credit file in their database with the information I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/2020 Barclay Bank Credit Card Dispute Customer Service Dept TO WHOM IT MAY CONCERN! ACCT # XXXX I contacted Barclay Bank a few days ago to inquire who closed my account and why my account was closed without sufficient notice. I have just learned that my best credit account was closed a few days ago. Today I tried to contact Barclay Bank again by phone to resolve this issue and the phone contact option was limited. 

I was away from my home for over 3 weeks. I was staying with a family member out of state and have not received a phone call, mail, or any notification from Barclay due to my illness. I came to find out that my account was CLOSED ending in XXXX. This account was in good standing with a good credit history that I was trying to build and preserve. THEY CLOSED MY ACCOUNT WITHOUT REACHING ME DIRECTLY. The representative told me that they sent me letters by mail but because I was away, did not receive notice from the bank. IT IS IMPORTANT TO KNOW THAT I WANT TO TAKE THIS MATTER TO WHATEVER LEVEL I NEED TO RESOLVE THIS ISSUE. 

Because it is less than 10 days, I am asking the bank to escalate my request to your managers and I am asking that they PLEASE MAKE AN EXCEPTION AND GIVE ME A ONE TIME COURTESY TO REINSTATE my account to protect the integrity of my credit history that I had established with your bank for many years. 

I WOULD LIKE THIS CARD REINSTATED DUE TO CONDITIONS OF QUARENTINE CORONA VIRUS. I THINK THE BANK MADE A HUGE MISTAKE BY CLOSING MY ACCOUNT WITHOUT CONTACTING ME DIRECTLY AND THE AUTOMATED SYSTEM ASSUMED THAT I DID NOT RESPOND. Due to quarantine, I was not at home to receive any mail. I want to file a Consumer Complaint towards BARCLAY BANK. The Banks actions are totally unacceptable during this time of Corona and my established account should be reinstated. In return, I will use the account on a regular basis. 

I thank you in advance 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 2020-04-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I XXXX received a letter from JP Morgan Chase in the month of XX/XX/XXXX about my mortgage being paid in full by XXXX ; XXXX XXXX XXXX XXXX XXXX JP Morgan Chase said that they will no longer carry my mortgage. I have two mortgages with JP Morgan Chase. One is a regular mortgage and one is a Home Equity Loan. JP Morgan Chase kept the Home Equity loan and sold the mortgage for my home to a different company which is XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX I have received a statement from XXXX XXXX XXXX company on XX/XX/XXXX, stating all sorts of different amounts to be paid to them directly. I do not understand the payment statement and I've never received any documentation from this company. I will like my mortgages to be investigated. I have tried to resolve the issue with both lenders but they're very rude and uncooperative. I felt like I've been bullied and do not know if the payment amount is correct. I'm not sure if the interest rate is also correct on this statement. I want to pay my mortgage. It's a one family home and I've been living here with my family since XXXX. My sweat and blood went into this home and I'm not sure if I've been taken advantage of. I also wanted to add that I pay my own property insurance since XXXX. This is not included in my mortgage. I hope they're not charging me for insurance. Please help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: GA

Complaint narrative:
I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$1400.00}

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 2020-04-20 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: GA

Complaint narrative:
I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$1400.00}

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 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
An initial application was taken out with Bank of America for a residential home mortgage was taken out on XX/XX/20. The original closing date was on XX/XX/20. The closing date was moved to XX/XX/20 with approval from Bank of America. Bank of America was supplied with all financial and title documents well in advised of the XX/XX/20 closing date. Bank of America was not able to provide the final proper Closing Disclosure documents until AFTER the moving date of XX/XX/20. I ( and my real estate attorney ) were unable to reach ANY Bank of America representative by phone or email to obtain an update in obtaining the proper final Closing Disclosure timely. It is my Complaint that Bank of America failed to adhere to TRID Guidelines in providing me with the prior Final Disclosure documents at least three business days prior to my closing causing agravation on my part and the seller, additional costs and fees that were incurred. While I understand recognize the environment of the Covid-19 epidemic, the fact that Bank of America was unreachable is inexcusable, nprofessional and bad business practices.

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 2020-04-20 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I called Experian on Monday, XX/XX/XXXX and started a dispute process to have the XXXX XXXX XXXX # XXXX to have it REMOVED from mine and my wife 's credit report as it has been confirmed that the account was charged off XX/XX/XXXX. When I received my dispute completion it shows Experian placed the account as a charge off for XXXX & XX/XX/XXXX! This is absolutely incorrect! It has already been confirmed by XXXX as charged off XX/XX/XXXX. To me this means the Experian reps did not verify the account and simply added these marks which also caused a drop in my score! This is ILLEGAL and is now affecting my purchase of my family 's new home set to close in 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