vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Pacific Union Financial, LLC
State: PA

Complaint narrative:
My wife and I were in the process of selling our home at XXXX XXXX XXXX XXXX, PA XXXX to the new buyers and kept getting pushed back on closing for no justifiable reasons. Our initial closing date was XX/XX/2018, on XX/XX/18 after we moved out of the property preparing to close we were told closing was going to be pushed back 7 to 10 days. That time came and went without a reason and run around from the company. They refused to process paperwork sent to them or give an accurate reason on why we were delayed. Closing was then pushed back to XX/XX/18, then XX/XX/18. then XX/XX/18 and then finally today we actually had our closing which was over a month past the original closing date. The originator for the loan completely drug their feet which put us out of our house for over a month more than necessary and gave us 2 days notice that the closing would be delayed. This cause an extreme amount of stress on my family due to being cramped into my parents basement which was only supposed to be for a week initially since we were unable to purchase our new house until the closing on the old house was complete. This also caused us to lose thousands of dollars worth of our belongings and personal items because my parents garage flooded with all the rains we had which happens, but ultimately our belongings should never of had to sit in their garage for over a months time while people were lying to us and not doing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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:
Dear Credit Bureau : I pulled a copy of my credit report and noticed a fraudulent account. 

Creditors : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX  Account : Reason : i I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) I have submitted request to Consumer Financial Protection Bureau to received documentation regarding these matters and the companies have not responded in a reasonable amount of time. These fraudulent accounts were not authorized by me.. 
Thank you. 
Attached is the police report and Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My concern is that Caliber Home Loans has allowed alot of time to go by to tell me that I do not qualify for a loan modification. I have been working with them for 2 years and just recently they advised that my Investor which is XXXX XXXX, will not allow me a loan modification. I dont understand why they would allow so much time to go by to say that when i could have been seeking other avenues. Now I am going to lose my home on XX/XX/18. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
On XX/XX/2018 I applied for a conventional mortgage loan with Quicken Loans. After discussing a few mortgage options with one of their Mortgage Bankers, I plainly stated I wanted a loan estimate on a 30 year conventional loan. I've now requested the loan estimate 3 times in writing and each time the Mortgage Banker has replied with a request to talk over the phone. His written reply to my third request is : " Yes I know what the loan estimate is. I have a big discount in your loan and to send the loan estimate we have to fully approve the discount. In order for my director to approve that, we need to know that you guys are willing to move forward. '' This process seems backwards to me and somewhat predatory. Why would I commit to a mortgage without first reviewing all the details of that mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX refuses to add positive payment information regarding my account. They claim that first progress card asked them to delete this information. XXXX XXXX claims that XXXX blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to XXXX and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I responded to an online advertisement for an American Express XXXX XXXX  card offering {$200.00} statement credit for any purchase on XXXX and another XXXX XXXX XXXX XXXX ( XXXX ) miles after spending {$1000.00} on XX/XX/2018. After I received my new card, I sent some money on a XXXX flight on XX/XX/2018 but did not see {$200.00} credit on my statement. On XX/XX/2018 I called Amex and spoke to operator XXXX who promised {$200.00} credit in 6-8 weeks. XXXX also encouraged me to spend {$1000.00} on the card by promising that I would get XXXX XXXX frequent flyer miles ( I have the conversation recorded and can provide a copy of the recording if needed. Because of XXXX confirmation I used the card to send over {$1000.00}. ) However, after 8 weeks have passed and I called XXXX I was told that they are not going to honor their promise and that I was not going to get {$200.00} or XXXX miles. The excuse I was given is that I used to have a similar card in the past. I was also told to send a letter explaining the situation to XXXX. However, it has beed almost 2 months since I sent the letter and no response came.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Company is claiming to own a bill I do not owe. I am requesting they show validation and verification they do own such debt and provide all subsequent proof. Company was mailed dispute letters along with FTC and 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 2018-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I received a payday/installment loan from XXXX XXXX XXXX around XX/XX/2018 in the amount of {$500.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. As of todays date ; I have made the following bi-weekly payments of {$100.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- totaling more than {$860.00} being paid for an initial loan of {$500.00}. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account and interest will be accumulating on a daily basis. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter XXXX of Title XXXX of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I received a phone call from XXXX XXXX onXX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}.

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX   remaining ).

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used.

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with XXXX in XX/XX/XXXX ( XXXX now services XXXX XXXX  loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago.

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: MN

Complaint narrative:
On XX/XX/2018 I received a letter from Bank of America XXXX XXXX XXXX XXXX XXXX TX XXXX asking for additional information regarding a charge I disputed in XX/XX/2018. The letter required a respond back by XX/XX/XXXX via mail or fax. On XX/XX/2018, I called Bank of America stating I received their letter in the mail on the evening of XX/XX/2018, the day after they required a written response. The rep noted this in the file and said respond as soon as you can. I faxed my response on XX/XX/2018. I received a letter from Bank of America stating my dispute/claim was denied because I responded after XX/XX/XXXX. This seems illegal and a violation of my right to adequately dispute the charge of {$1700.00}. My card account ending : XXXX. Bank of America Case Number 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 2018-09-13 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: NJ

Complaint narrative:
Transunion/ XXXX/ XXXX, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX XXXX Removed this Collection but as of XX/XX/XXXX XXXX   has indicated the account has begin to report to XXXX once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified 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
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I never owed On-Line service any money and I asked them to prove how I owe them and they haven't. I finally got them on the phone and they said they would not delete the info even though I never owed them and they don't have any documentation with my signature, a copy of my driver 's license nothing at all to support this debt. 

After going and back forth with them they said the only way to get this deleted off my credit was to pay them. So, I paid it as it would be cheaper than getting a lawyer and going back and forth to court. A year later it's still on my report as a collection opposed to not deleted. Which is the same as not paying. 

It was a classic bait and switch to get me to pay them. 
ACCOUNT NUMBERS # XXXX, and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent police reports and identity theft affadavit to equifax due to severe identity theft and fraud of my personal information. Equifax has a identity theft flag on my account, despite that they have continued to allow multiple inquiries and possible new accounts on my credit. Since XXXX of this year there have been well over 15 in a 4 day time period. When they were informed of the identity theft they had me take numerous steps to have my personal information saved and my credit information file fixed, they said that by completed all the steps ( police reports, affadavits, letters ) that they would place a fraud alert on my file and I would not have to worry about this type of activity. However this is not the case. There continues to be fraudulent activity with no safeguards for me, the consumer. 

These are the inquiries that were placed on my credit file Credit Unions XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXXXXXX XXXX XXXX  Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have an auto title loan with XXXX and I get plethora of robo calls from them with a message that starts with Good day. Several unsuccessful attempts to contact you have been made ... I have asked the company multiple times to take me off their robo call list. The number changes from time to time as well so as to make it difficult to screen or block the call. I get these calls about 20 times a week. Also, their lending practices are very unfair so I would not recommend ever using them. After nearly a year of payments on a {$2600.00} loan, I currently owe over {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
At chase XXXX XXXX today I spoke to XXXX and she confirmed this is fraud. she indicated that XXXX XXXX has the case but she has always had the case and this is a big fraud cover up from within. please provide the updated information revolving around loan XXXX to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This company has continuously inquired on my credit. The company is unable to provide proof of identity, or contract that allowed their company to pull my credit. Please remove this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: CORELOGIC INC
State: TX

Complaint narrative:
This company has continuously inquired on my credit. The company is unable to provide proof of identity, or contract that allowed their company to pull my credit. Please remove this inquiry.

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 2018-09-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a phone call from XXXX XXXX on XX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}. 

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX remaining ). 

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used. 

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with Citibank in XXXX ( XXXX now services Citibank 's loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago. 

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?

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 2018-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I have been XXXX and my ex wife was awarded this loan in the divorce. I assumed she had been paying this on time and she fell behind while I was gone. I am now trying to relocate due to my transfer and purchase a home here. I am in dire need of having the last 2 lates removed off my credit report so I can close on a new loan ASAP. Please remove these lates from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX spoke to Chase Credit Card about promotional check, spoke with representative XXXX. I asked about what the minimum payment would be if I wrote a check. She explained it would be 1 % of the amount wrote. I wrote a check No.XXXX on the promotional on XX/XX/XXXX for {$15000.00}. She told me the minimum payment would be {$150.00}. there was a 4 % sevice fee added to that for a total of {$15000.00}. On receiving statement on XX/XX/XXXX on line, the minimum payment was {$780.00}. I called Chase at this point for an explanation. I spoke with representative XXXX, that looked at it and said that is not correct. She transferred me to Manager XXXX that explained the bill was 1 % of the balance plus {$600.00} service fee to be paid on the first payment up front? I received my next statement for XXXX and the next minimum payment was for {$740.00}, not the {$150.00} that she quoted. On XX/XX/XXXX I drove to the local Chase Bank where the representative their looked at the paper work I have received and she could not make any sense of it. She called and was also told they can't do anything about it. She was told that I signed an agreement back in XX/XX/XXXX to pay back 5 % of the balance for the minimum payment. I do not have any paper work from 23 years ago. They send these checks to me all the time. I would think these checks or paper work would give you some kind of an idea what the minimum payment would be. The local bank representative agreed and filed a complaint. She said the manager was going to file a complaint. I spoke with a man name XXXX again and he said the will not do anything. I am XXXX years old, on a fixed income, and an extra {$600.00} added to my payment is killer. I never would have wrote the check except I was assured the payment was {$150.00}. I have been totally mislead by the reps at Chase. the local bankers also agreed, who has kept paper work from 23 years ago. Help!

Company response to consumer: Closed with monetary relief