vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I currently hold a 27 year conventional mortgage loan with Rocket Mortgage ( Quicken Loans ). I began the process of refinancing the mortgage loan on Friday, XX/XX/XXXX and subsequently received an estimated loan package along with an intent to proceed which was sent to me in the early hours of XX/XX/XXXX and returned digitally signed by me and returned to them via their portal before XXXX  EST that same day. When logging in to my loan account on XX/XX/2021, I uploaded additional documents including a certification of trust and the current deed so that the home would be properly titled to the trust. The company subsequently, inactivated my loan application without notice or reason. I reached out to the lender via the email address they provided to me on XX/XX/XXXX to get clarity on why this occurred but am extremely frustrated with this practice and the amount of time this has wasted over the past 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Transunion charged my credit card for a purchase I was unaware I was making. Inever seen any invoice or contract stating I would be charge to gain entry to my account which I thought was free. Now I ahve been charged XXXX for information I already knew. Not only this XXXX and transunion credit scores are XXXX points different than XXXX. I am needing purchase a hoomme and I am being locked out because of this difference. Everyone of these lenders are using XXXX or Transunion so you pay enormous finance charges. This needs to be fix by someone. The poor people who are needing cars and homes finaceed are the ones who are being put in position of paying outrages finance charges. This makes no sense lenders charging the poor more for credit yet they say your credit scores are low. Does not add up chrg9e you more so you have a harder time paying. Anyway, I do not know why I was charged this fee to log onto a account i already had. And if someone can help poor people have a chance for fairness then we all will be betterr for this.

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account with XXXX XXXX is not mine. I have several emails from XXXX claiming that they are deleting this item. I am attaching a letter from XXXX XXXX indicating that they are removing this item from my credit report

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 2021-02-04 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: TX

Complaint narrative:
This account with XXXX XXXX is not mine. I have several emails from XXXX claiming that they are deleting this item. I am attaching a letter from XXXX XXXX indicating that they are removing this item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Credit Card ( Barclays ) informed us of suspicious fraudulent activity on the card via phone call in XX/XX/2020. We reviewed the statement and outlined the fraudulent charges and sent back to the Credit Card company as requested. A few months went and nothing happened, we contacted them again in XXXX we contacted them and they told us that the case was closed. We received no written notification of this or the investigation into the fraud. 

I have been a customer of Barclays for 17+ years. No incidents They also informed us that they had no record of the statement we provided with fraudulent charges identified. We saved a copy and resent it to them. Since then we have called the company several times and can not speak to them after waiting on the phone for 2+ hours. The company keeps informing us that it's our fault, their fraud department is too busy to speak with us and nothing happens. 

During this time they have charged me interest and penalties for not paying the fraudulent charges.

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 2021-02-04 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: GA

Complaint narrative:
Equifax will not investigate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Under the Chase Covid-19 protection plan they state that any late payments will not be reported. I took this information from their website. On my home equity line of credit they are showing my home equity line of credit worst payment status as 30/60/90 days late when it should say current and in the times section 1 for over 30 days. it states below it should read as deferred. payment history is also stating a late payment in XXXX of XXXX. What's the point of going into this program if they will report late payments on your credit report? Need this changed based on the info below available on their website. 
During the assistance period, well report any delayed payments as deferred, not late or missed. You can get information on your credit score by going to XXXX Mortgage Deferment ( Opens Overlay ) or by calling XXXX at XXXX. Your payment history, including payments delayed under this assistance program, may impact your eligibility for future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an inquiry that I did not give permission for

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 2021-02-04 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/2020 @ approximately XXXX, my EIP was deposited into my cashapp account bringing my overall balance to {$610.00}. I went back into my cashapp account around XXXX to find that there was only {$85.00} Remaining in my account. I had not even left my house that day, let alone make any sizable purchases. I tried contacting cashapp numerous times through email, to no avail. They don't have a phone number that you can call. So its like someone took this money and I'm just out of my {$600.00} EIP. Any assistance you can give will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
please refer to the following ticket XXXX This ticket was closed, however, it should not of been closed. 
I received a phone msg that I could barely make out on XX/XX/21 from XXXX XXXX ( office of the president ) indicating there was resolution to my case and a letter was sent. The msg was very muffled and I could only here a few words, however, she did indicated that I could call her direct and provided her phone and extension number for questions. I went to the websit to review the letter and while I'm appreciative of the {$400.00} credit. The issue is that i was charged {$2000.00} in interest and continue to get charged over $ 150 monthly for interest. This is an absorbent amount to sustain and I will never get out from under. I understand why this took place, however, I've had good standing credit, pay my bills timely and this bill was set up to pay in full over an 18 month period. Non the less, I've talked to 5 people ( managers ) at Synchrony and now XXXX and basically I'm in the same situation. The letter indicated that I could call XXXX XXXX at XXXX, ext XXXX. I have called daily, several times a day since XX/XX/21 and her voice mail box is full. I suspect this is another game that Synchrony plays as they want to hid behind a letter and make it look like they are helping, however, don't allow for a face to face conversation around the subject. i continually get their side of the story, however, no one listens to me, the customer who has an excellent credit rating and pays bills on time. My ask is that the high % rate monthly is stopped immediacy as this isn't helping the situation and for a live phone call to take place with resolution. This matter needs to be resolved vs hiding behind a letter. I'm very disappointed in the process thus far. 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 2021-02-04 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER CONSUMER USA - XXXX Opened Date XX/XX/2020 Balance {$13000.00} As a consumer I have rights that are given to me to cover me through mis-information being cited on this credit report. At this stage I need to make a last demand for assessment before I talk with my attorney for advice on how to deal with inaccurate and unverifiable items that are continuing to be affirmed as true. Please make sure to deliver me along with a copy with the agreement fixed or voice discussion where I granted billing me concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I entered into a contact with Santander Consumer USA approximately 31 months ago. The amount of {$13000.00} was financed, at an interest rate of 23.8 %, for the purpose of purchasing a 2015 XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX ( XXXX, FL ). To date, I have paid Santander the amount of {$12000.00}, over 31 months, toward satisfaction of this loan. 

While I have paid {$12000.00} over 31 months of a 72-month loan taken in the amount of {$13000.00}, and tried to satisfy his obligation early, Santander demands yet another {$11000.00} ( {$23000.00} in total, at a profit of nearly % 70 ) before it will release the title. Profiting in the amount of {$9700.00} from lending me {$13000.00}, over 31 months, would seem to constitute usury and violate clearly established laws governing consumer protection. 
The GAP insurance product that was sold to me by Santanderthat added nearly {$1000.00} to his loanhas already been declared unlawful.https : XXXX. Subprime, predatory lending practiceslike what occurred herehave already resulted in a number of consent decrees against Santander.https : XXXX. 

Like millions of Americans during the pandemic, I experienced some financial hardship as a result of lost income stemming from the impact of COVID-19. During this period, Santander offered assistance through loan extension programs. While these extensions were marketed as COVID-related relief, Santander applied an additional {$610.00} in undisclosed fees to the account, which I was not told about. The extensions also resulted in additional interest under terms that were not clearly defined at the time they were marketed as pandemic relief.

The Truth in Lending Act ( TILA ) aims to ensure that borrowers such as myself receive a clear and understandable layout of certain costs and terms. TILA also requires lenders to lay out the terms in a uniform way, and make the risks and costs of borrowing transparent, and to protect consumers from predatory lending. The terms of my loan with Santander fail to satisfy TILA requirements on a number of fronts. Particularly, those provisions identified on Page 3 ( OTHER IMPORTANT AGREEMENTS ). At no time did I understand that even if I were to pay off this loan 42 months early that I would be liable for an additional {$9700.00} beyond the principal amount borrowed. 

The below calculations explain the problems with my loan. I'm seeking a settlement for the rest of this loan. Paying Santander Consumer USA nearly 170 % of the loan amount he received is outrageous. 

Amount Fin. {$13000.00} Total Paid : {$12000.00} Applied as follows : Interest : {$9300.00} Principal : {$2400.00} Late Fees : {$360.00} Misc Fees : {$250.00} Payoff Quote : {$11000.00} Final Amount : {$23000.00} ( 69.54 % profit ) Profit : {$9700.00} over 31 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Bank will take inbound money transfers but will not allow outbound or have very small limits. They will do larger account transfer with a large fee

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 2021-02-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under the XXXX Covid-19 protection plan they state that any late payments will not be reported. I took this information from their website. On my home equity line of credit they are showing my home equity line of credit worst payment status as 30/60/90 days late when it should say current and in the times section 1 for over 30 days. it states below it should read as deferred. payment history is also stating a late payment in XXXX of XXXX. What's the point of going into this program if they will report late payments on your credit report? Need this changed based on the info below available on their website. 
During the assistance period, well report any delayed payments as deferred, not late or missed. You can get information on your credit score by going to XXXX Mortgage Deferment ( Opens Overlay ) or by calling XXXX at XXXX. Your payment history, including payments delayed under this assistance program, may impact your eligibility for future 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 2021-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: IL

Complaint narrative:
In XXXX of 2020, I applied for a loan modification due to problems with income. Then COVID 19 hit. I thought this lender would continue to work on my file, which they stated they are. It is now 11 months, and I have not received ANYTHING about my loan modification. I am under COVID 19 plan, however, this is due to the fact my home is in foreclosure, and I need to have some type of protection. 
In the mean time my balance keeps increasing. You can not get through to them on the telephone. It is up to the bank to hire adequate staffing for clients. You will only get a machine, and then it states a recording and hangs up on you. 
I have no answer on my loan modification request sent in XXXX of 2020. My loan is in foreclosure. I have no way to contact or communicate with them. They changed their portal and my user id/log in does not work, and of course, impossible to speak with someone. 
Finally, I sent them an email, and am waiting for a reply. I doubt I will get one. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: IL

Complaint narrative:
On XX/XX/XXXX I was given a loan by XXXX XXXX XXXX which is owned by XXXX XXXX XXXX XXXX for XXXX 
This company charges XXXX annual interest .This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which XXXX XXXX  XXXX is not licensed ..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be XXXX with Illinois department of financial regulation which this XXXX XXXX not XXXX making this loan illegal and unenforceable under Illinois XXXX XXXX this date I have paid XXXX dollars on this illegal loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: MA

Complaint narrative:
XXXX sold mortgage to statebride on XX/XX/XXXX ( last XXXX payment ). ( XXXX owes me advance because i have over paid mortgage XXXX ) XX/XX/XXXX statebridge sends me first invoice and it says i owe XXXX XXXX fees. 
Around XX/XX/XXXX to XX/XX/XXXX XXXX sent me a check for XXXX that they owed me for overpayment. tried to get statebridge to correct but they never did in the five years they had the mortgage and in XX/XX/XXXX sold the mortgae to XXXX XXXX who is still charging me XXXX plus other fees. I finished paying off my mortgage on XX/XX/XXXX but i am still receiving invoices every month for monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

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 2021-02-04 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: GA

Complaint narrative:
I have inaccurate information reporting on my credit report, I've contacted the company numerous amounts of times in trying to get this information corrected but still reports the information as verified when the actual creditors don't show the same information.

Company response to consumer: Closed with explanation