vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Liberty Holdings, LLC
State: LA

Complaint narrative:
The loan was for {$630.00} and I try to make payment plans with the company who is XXXX   XXXX they told me it was sold to a company called liberty who is now harassing my brother and my mother and also my son they left this number XXXX telling me I owed them {$1700.00} from XXXX I went Thur hardship and still recovering these people are rude and they dont want to hear anything Im saying so I need help this is the reference number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NC

Complaint narrative:
CREDIT CARD ENDING IN # XXXX BY XXXX, SINCE XX/XX/2019 XXXX REFUSED CLOSING ACCOUNT!! I WAS TOLD ON NUMEROUS CONTACT WITH XXXX THAT THIS CARD/ACCOUNT REMAINS UNDER REVIEW!! ON XX/XX/2019 I REPORTED THAT CARD/XXXX WAS LOST/STOLEN!!

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 2019-10-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Experian credit reporting Agency has been reporting a debit from XXXX XXXX credit union that was paid in full with the agreement that the debit was to be reported payed as agree with no negative report, XXXX XXXX XXXX practice in a deceptive method collections rep from fairwinds federal credit union stated to me and my wife that would the agreement they Lied account is over 7 years old to  be removed open XX/XX/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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: OK

Complaint narrative:
Trying to close to sell 6 properties. Release of motgage taking to long to release. 
Mortgage holder name CALIBER HOME LOANS XXXX XXXX XXXX  XXXX closing company asked CALIBER HOME LOANS to release on XX/XX/2019 CA LIBER HOME LOANS released 2 of 6 properties on XX/XX/2019 ( over 3 mo 's ) CALIBER HOME LOANS still has to release 4 more properties. 
Closing company having extremely hard time to contact CALIBER, it can only done thru email and can take 60 to 120 day 's for respond. 
I'm losing buyers because it's taking to long to clear title to sell Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: WV

Complaint narrative:
I suspect that someone has taken out a mortgage loan, auto loan, and retail card in my name/social security number. When I tried checking my credit score through Equifax and XXXX ( XXXX XXXX I believe as well ) in order to confirm my identity, all websites asked me to provide information about loans and a retail credit Card that I have never had. I became suspicious and tried making a my social security account to check my activity and the website asked me the exact same questions and suspended my account because I obviously did not know the answers as I was not the one who opened these. What is confusing me is that none of these loans/cards are on my credit report, so I dont even know where to start with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am a victim of identity theft. There were three credit cards opened under my legal name and has impaired my credit file. I have made several attempts to get this matter resolved with the creditors. However, they keep denying my fraud claim because of the age of the account. I have reported this to all three credit bureaus. I have filed several Identity Theft Reports with the FTC. This matter needs to be resolved because my credit report is damaged. 

The following accounts are in question : XXXX XXXX XXXX  XXXX XXXX XXXX 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 2019-10-16 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: Freedom Mortgage Company
State: GA

Complaint narrative:
They are saying I haven't paid my mortgage when in fact they are holding two of my payments now in a " suspense '' status and charging me late fees. 

I paid XX/XX/XXXX and XX/XX/XXXX my XX/XX/XXXX and XX/XX/XXXX payments, but they have not posted them. 

My mortgage payment is usually {$780.00} and I always pay {$800.00}. This year they came up with a formula to include extra padding for escrow with a payment of {$810.00} and I told them I am not paying their extra buffer over and above {$800.00} when I have the option of paying any escrow shortage at the end of the year. They have been giving me trouble ever since and it is affecting my credit. I want them punished because what they are doing is wrong! They need to be fined per the Fair Credit Reporting Act for one!

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 2019-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed with Credit reporting agency regarding inquires and accounts opened in my name. I have attached a updated FTC report to support my dispute.

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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a predatory interest only loan from JP Morgan Chase in 2006. They loaned me {$460000.00} on a property that was my Life Estate. They distributed the money to my 5 brothers and paid a {$180000.00} loan off. When I modified my loan 3 years after it was not a modification it was a refinance and they added an additional {$60000.00} to the loan. I made payments ( during the teaser years I have come to learn ) in the amount of {$1500.00} for 9 years and they then sold my loan to XXXX XXXX XXXX ... My payment went up to {$2300.00} and I struggled to make payments. I lost my home two years after it was sold to XXXX. 

It has been 4 years now since JPMorgan serviced my loan and they have sent me a check for {$120.00}. And it infuriates me that they would send me a check for this amount after they sold my loan after adding {$60000.00} to the balance and after 10 years of making payments my loan went from {$460000.00} to $ XXXX+! 

So what is this check supposed to represent? I Phoned JP Morgan to inquire and people on the other end of the line have no idea why they sent me the check! I called twice! 

This institution ripped me off on my loan, sold me to XXXX ( what a name XXXX ). To me it was like a gun pointed at my head!!! I have lost my home my credit is ruined and they send me a check for {$120.00} for years after they serviced my loan! 

Can you please assist me with this matter as I am absolutely astonished that they would try and settle something or remediate their actions with a check for {$120.00} I look forward to your response! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I filled out a mortgage pre-qualification package through USAA during the first week of XXXX. 

After finding my ideal home, signing a contract ( with a closing date of XX/XX/XXXX ), setting up an inspection, and filing all requested paperwork USAA notified me on XX/XX/XXXX, the day before my inspection, that I would be ineligible for a VA loan despite my certificate of eligibility. My date of military separation has been posted on their banking app since opening my checking account through them in XXXX. 

Their reasoning for denying me my loan is due to my inevitible seperation from the military approximately six months after the contract closing date. USAA is also expecting me to have a job offer accepted six months in advance as a work-around to requirements set by them, as a lender. USAA is, however, blaming this requirement on the Dept. of Veterans Affairs despite the VA, as a guarantor, accepting and approving my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed with Credit reporting agency regarding inquires and accounts opened in my name. I have attached a updated FTC report to support my dispute.

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 2019-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed with Credit reporting agency regarding inquires and accounts opened in my name. I have attached a updated FTC report to support my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXXXXXX wrong status XXXX XXXX XXXX  XXXX XXXX XXXXXXXX wrong status XXXX XXXX XXXX/XXXX XXXXXXXX wrong status XXXX/XXXX XXXX XXXXXXXX wrong status INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX  XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX/XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized PUBLIC FILINGS BANKRUPTCY CHAP XXXX-DISCHARGED XXXX inaccurate

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 2019-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: KY

Complaint narrative:
M & T Bank is adding so many charges to my account, and saying I am behind in escrow, which I confirmed today, XX/XX/2019, with my insurance company I am not behind. I have spoke with the bank about giving me an explanation of charges and they can't seem to. Nor will they do a new escrow analysis to show that I am not behind in escrow. They have done nothing to help or prove anything. XXXX XXXX sold out to them back in XX/XX/2019, and it was the worst decision they ever made.

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 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bank with Bank of America. I deposited a check through the mobile app on XX/XX/XXXX.19 ( XXXX XXXX ), in which an immediate 7 day hold was placed. The bank was closed when I made this deposit due to the holiday. I called them on XXXX19 to inquire why there was a hold, where they told me to call back on XX/XX/XXXX.19 when the check had posted and they were able to look at the picture. When I spoke with them the morning of XX/XX/XXXX.19 they informed me that the bank the check was from is holding the funds and making them unavailable for 7 days. At this point I called the bank the check was issued from and they said that the funds had already been released and sent from the account the check was written from. I called Bank of America back and they now are telling me they are holding it for fraudulent activity and they are allowed to hold the funds for 10 days for that reason. So I have received 2 different answers and they wont inform me what fraudulent activity is causing the hold.

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 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NC

Complaint narrative:
In XX/XX/XXXX when submitting my Employment Certification to verify my eligible employment status for PSLF for the year XX/XX/XXXX-XX/XX/XXXX, it was denied because my account was apparently in " paid ahead '' status, which rendered the payments I did make in that year ineligible for PSLF. This was not an error on my end, this was an error on MyFedLoan 's end, verified by their employee when looking at my account. I was told that they fixed the paid ahead status on their end, but that I would need to have my previous years payments put under audit, to get that year approved. That was XX/XX/XXXX,  and I have yet to have this audit processed. I have called MyFedLoan on XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), and XX/XX/XXXX (  spoke with EID XXXX ), and no further updates are able to be provided, other than it has still yet to be processed. When I ask how long in their experience I can expect this to take, I get estimates from 12 months to 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On the XX/XX/2019 I opened up an checkings account with Citizens bank. On XX/XX/2019 I deposited my social security check in the amount of {$770.00} dollars I was told that there will be a 5-7s hold on my account due to it was a new account but they did make {$200.00} which I did spend available so {$570.00} dollars was on hold and due to be released on Monday XX/XX/2019. On Monday XX/XX/XXXX I recieved an email from Citizens bank fraud department questioning suspicious activity thats when I learned that my debit card was in fact missing from my possession I then called Citizens bank claims department after having my card deactivated and requesting a new one. I put in a claim for the tranctions that I did not use or authorized it was a total of 18 atm and pos charges made with my debit card and started the claims process. Friday XX/XX/2019 I recieved a call from a supervisior name XXXX who stated to me that they closed my claim and refuse to reopen my claims I asked why she then stated that I never called to report my card lost or stolen I that time I explained that I was not aware but soon as I was made aware I took the proper and nesseccary steps of cancelling my debit card and reported to Citizens bank. The supervisor was very rude and mean when she called my phone. i have been back and forth with branch supervisors rep Representatives Etc and their customer service was very unprofessional very poor very distasteful very unsatisfying. As a result in this whole situation I lost my housing for unpaid rent for the month of XX/XX/XXXX me and my XXXX children no longer have any place to stay I made the branch supervisor aware of my situation I sent her an email I'm a termination letter of my lease I have been I've made police reports I have been doing everything that I could possibly do but since this situation has been happening it has been nothing but turmoil and heartache for me and my babies because I have to pack up XXXX small children XXXX in which is an XXXX  who just had XXXX XXXX a week and a half ago and now I have to tow her around the city of XXXX trying to find somewhere for us to stay I deposited my money into Citizens Bank and I didn't receive my money is back out of {$700.00} I only was able to spend XXXX {$570.00} walked away from me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
They are saying I haven't paid my mortgage when in fact they are holding two of my payments now in a " suspense '' status and charging me late fees. 

I paid XX/XX/XXXX and XX/XX/XXXX my XXXX and XXXX payments, but they have not posted them. 

My mortgage payment is usually {$780.00} and I always pay {$800.00}. This year they came up with a formula to include extra padding for escrow with a payment of {$810.00} and I told them I am not paying their extra buffer over and above {$800.00} when I have the option of paying any escrow shortage at the end of the year. They have been giving me trouble ever since and it is affecting my credit. I want them punished because what they are doing is wrong! They need to be fined per the Fair Credit Reporting Act for one!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have contacted this company for validation of this debt to no avail. The dates that I've been in contact with them was XX/XX/XXXX - XX/XX/XXXX with no valid responses.

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 2019-10-16 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: MD

Complaint narrative:
I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Equifax. The letter was received by Equifax on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. I have not received the results of the investigation.

The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed and/or I have not received the results of my request.

The letter also requested incorrect addresses be deleted, the requested revisions were not performed and/or I have not received the results. On further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested the Fraud Flag and/or personal statement be Removed from my credit report. I have not received confirmation this was completed and/or I have not been given a copy of my new credit report with the required changes. 
The letter requested my telephone numbers be added to my credit report. I have not received notice of or received a copy of my credit report with the requested changes. 
To date I have not received physical proof validating any requests of a physical proof of the accounts or inquires or requested changes. 
The only physical letter received from Equifax was dated XX/XX/2019 requesting that I mail them a copy of my drivers license and social security card for proof of identity and current address. This redundant request was ignored by me because Equifax was already provided a copy of both documents and is not needed by law to comply with my request. This was a blatant stall tactic with the intent to harm my reputation and personal credit and reputation.

Company response to consumer: Closed with explanation