vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I have been late but not behind, my concerns are : **New American Funding has not sent me requested information showing the months they claim late fees for, I do believe I overpaid the late fees, wired in through my credit union in the month ofXX/XX/XXXX 2018. 
2. I paid XXXX and the claim I was to pay XXXX and have held without applying showing my account as behind, which I disagree with. my last payment for late fees was paid in excess of what was claimed as due, submitted via wire for just the purpose of not being late. 
3. XXXX has put in place transfer from all customers to be able to transfer monies from one XXXX account to another, yet when I tried to pay my mortgage via the transfer numbers to chase for New American Funding, as mortgage lender, On the third time, after phone call from manager at XXXX XXXX I was denied, though I had done so on prior transactions, In each transaction, all of my information was submitted to assist in the application of funds, verified by XXXX employee on the receiving end.. XXXX called and has refused me opportunity to pay my mortgage that way even though it is a chase holding account, causing me to be late when it could have been avoided. 
4. Manager from XXXX called yelling and screaming, for about 15 minutes, to upset me, then he says I need to record the conversation, I asked why the recording was not going all of the time, no answer, I hung up. As result of that conversation, he blocked my future payments to New American Funding, through the holding bank, XXXX as receiving account. ( New American Funding has established with XXXX. 
5. Late payments were taken from my XXXX mortgage payment, and caused my account to look as though it was late without explanation. 
6. I also feel my account is being targeted on a monthly basis, making things much more difficult than it has to be. 
7. I have complained about the amount of time it takes for New Amer. Funding to apply funds, they in turn keep sending me the address to which I should send payments, it is the same place I have been sending, yet they are late every month applying the funds, sometimes two weeks.

I was having a very difficult time at one point and asked XXXX to allow me some assistance or arrangement to have one payment put at the end, I was denied, as was not offered any other form of  solution, very irritating conversation with employee, during the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I received a letter from us bank stating that they closed my account due to the fact that it was overdrawn. On several attempts my cards never came to my home. I called and called several times to inform thia of this. When I noticed my account was overdrawn a rep contacted me and I informed the rep that my account had been compromised. I also informed him that I contacted the fraud department twice never received any paperwork or anything. On several attempts I had issued to me several temporary cards due to the fact that they sent out my card and then I never received it. Informed the company that my mail box was located on the street and can easily be broken into to. I am upset on the fact that I am XXXX XXXX with XXXX and that this company has treated me this way.

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 2018-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
As a tax paying American, I am angry and disgusted that Bank of America, after accepting billions of tax dollars which helped bail them out after the banks reckless business practices brought their company and the U.S. economy to the brink of disaster, that they are attempting to control public policy by limiting loans and services to pro-firearm individuals and companies. This is revolting and disgraceful behavior and a stop needs to be put to Bank of America and any other company who received Federal assistance and attempts to dictate public policy. What ever happened to free enterprise?

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 2018-04-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am concerned about Citibank 's recent business activities to punish their customers for their lawful business activities with regards to transactions involving firearms production and distribution. Citibank has announced it will no longer do business with companies that do not implement a host of policies promulgated by various gun-control organizations. This amounts to discrimination against people engaged in lawful commerce protected by the Second Amendment.

Although, I have already cancelled my accounts with Citibank, I am still harmed, as are all Americans, by Citibank 's attempt to circumvent the democratic process and impose a radical gun-control agenda by the sheer force of its market share. It is particularly galling considering that Citibank took an enormous bailout from American tax payers not too long ago.

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 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit score is good/better than most, but these guys raised my rate from 12 % on inception to over 21 % for no reason. I would see if my score has gone way down, but no it remained same or gotten better. I received NO notice of increase and would like a refund of interest paid since change.

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 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Dear CFPB, Diversified Adjustment Service sent me a letter dated XX/XX/2018 demanding for a debt of {$320.00} for which no information or knowledge to such debt was affirm. I requested for validation of such debt and none was sent beside an itemized bill to which I challenged looking at the inaccuracy. 

No communication on phone was made and I demand all letters are certified. 

Diversified demands money for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited. Please whereas no exchange of money of goods or services occurred between XXXX XXXX and Diversified Adjustment, therefore XXXX XXXX cites failure of consideration and request the following. Please explain why they demand for such debt. 

I responded to their request on asked for validation and they never validated the said debt within the required the 30 days period on my credit report. But they instead sent a bill. 

Meanwhile, I do not have a contract with Diversified and no service have been provided by them to XXXX XXXX, I demanded for their right of subrogation and they instead continued reporting on my credit report as if I owe them debt. And they put in dispute after 45 days which is a violation of Federal law as the required period is 30 days.

I hereby request Diversified Adjustment to explain to me why they violated Federal laws of the 30 days period, delete my account and explain why they are reporting inaccurately without providing me their right of subrogation. I also want diversified to know that their inaccurate reporting has cost me huge interest and credit denials and as such I request that diversified compensate me with {$1000.00} for violation of federal laws by reporting inaccurately, and by falsely representing on debt to which they have no said claim. 

Attached are proofs of communications. 

XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: NY

Complaint narrative:
I took a loan in XX/XX/2016. They said no hidden fees. But the amount deposited into my checking account was less than the amount I was expecting. They said it was processing fees. 
I see the FTC has filed a lawsuit and I want to be a part of it. I am paying interest on money that I anticipated having for my use, not sudden mysterious fees going back to Lending Club. 
Also, if you are over 15 days late but before 30 they add a late fee to THAT payment due. Most companies add to following monthly statement. So if you pay only amount you think is due and don't include the sudden late fee, then you will be 30 days late because you didnt pay enough. They are very sneaky and can ruin someone's credit with this tactic! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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:
My identity been compromised. 
A mortgage was taken out in my name. 
Also there is some listing of a bankruptcy filing. 
I have never filed any bankruptcy of any kind ... period. 
The credit bureaus have removed the fraudulent mortgage already. 
The credit reporting agencies have had me confused with a XXXX XXXX out of Washington State or somewhere. 
There are accounts on my credit profile that do not belong to me. 
I feel I have followed the law in obtaining a police report and filing the proscribed affidavit from the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage I ascertained a copy of my credit report from XXXX   and I have 62 / Thirty Day Late Payments and they've even reported me late in XXXX even when I've made the XXXX 's Monthly payment back on the XX/XX/XXXX., I have moved from my old home while utilizing this address as a rental until this date., I informed Wells Fargo of My new address back In XX/XX/XXXX they have neither sent me any correspondence related to my account., Since said time I have yet to receive any type of communicative late notice from Wells Fargo until XX/XX/XXXX 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 2018-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western-Shamrock Corporation
State: SC

Complaint narrative:
When I began working on my credit in XXXX I notice a loan on my XXXX   report from Western Shamrock Corp staring in the amount of {$250.00}. It stated that the account was CLOSED as ofXX/XX/XXXX. When I attempted to receive information regarding the debt the company still has not validate any information. The company is reporting a address of XXXX XXXX XXXX XXXX SC XXXX. This address was removed from my XXXX report because it was not correct and I never resided at this located. As of today XXXX I still have not received validation on this loan. On today however I received notification from XXXX that Wedtern Shamrock reported a closed account to my report in the amount of {$1100.00}!!!!! After looking over the information it is reporting the same closed date of XX/XX/XXXX. My frustration is coming from two places, this debt is not mines and even if it was Im sure its against the law to be wrong different information to different credit bureaus. To confirm any changes I recheck my XXXX account t and it was updated on today as well XX/XX/XXXXstill reporting {$250.00} however today this company has just started reporting to XXXX  as with the amount of {$1100.00}. I would like for this information to be removed ASAP because this company can not validated this debt or confirm it belong to me as well as reporting different information to different credit bureaus. For this company to report to both credit bureaus that this account was closed sinceXX/XX/XXXX no extra fees should be added after that closed date. Please ensure that this information is deleted and reported to all three credit bureaus as inaccurate and removed from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 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:
My identity been compromised. 
A mortgage was taken out in my name. 
Also there is some listing of a bankruptcy filing. 
I have never filed any bankruptcy of any kind ... period. 
The credit bureaus have removed the fraudulent mortgage already. 
The credit reporting agencies have had me confused with a XXXX XXXX out of Washington State or somewhere. 
There are accounts on my credit profile that do not belong to me. 
I feel I have followed the law in obtaining a police report and filing the proscribed affidavit from the federal trade commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was experiencing hardship ( was out of work ) and I made an arrangement/hardship payment with Capital One Auto. I purchased this car in 2012 and am still making payments on this vehicle. I went to apply for a loan and I was denied because the loan officer stated that I am currently behind with Capital One. This is not true.I have several blemishes on my credit report from Capital One stating that I have not made a payment. I want these late payments removed. 

Capital One partnered with a dealership that is not a well rated dealership. I went through XXXX XXXX XXXX before reading reviews about them. They sold me a lemon and used Capital One to finance this lemon. It has never taken me 6 years to pay off a {$16000.00} loan. According to Capital One, I still owe {$6700.00}. This seems a bit excessive. 

I am asking that these late pays be removed immediately. 

My account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Townstone Financial Inc
State: IL

Complaint narrative:
I was Refinancing My Home and the Lender TOWNSTONE Financial , Inc. Forced me to obtain a Appraisal of My Property after I all ready had a recent Appraisal done on the My Property. I had let them know that I was doing some inside remodeling on the Property.

They took a long time to make a decision and waited forcing me to pay a Higher Interest Rate. They came back after the second appraisal was done and stated they were not going to approve my Refinancing on my Property. They stated that My Property was Inadequate Collateral. The Appraisal came back at {$120000.00} Dollars. I only owed a Mortgage of {$45000.00}. They further used a Credit Agency Report from XXXX to deny my application for a Mortgage. My Credit Rating is XXXX Excellent Rating. I feel that as a Senior Citizen I was Discriminated Against and subsequently Denied Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: PA

Complaint narrative:
Experian Report # XXXX Date XX/XX/XXXX Experian has on my credit report as stated back on Previous report that I had auto loans on my credit file from XX/XX/XXXX that I did not sign for or consent to run my credit. 
Experian has yet to provide any documentation of such or any proof of such. 
Experian has not shown nor prove that the credit was applied by me with any consent to run or apply credit under my name. 
I need proof of such auto companies and finance companies that Experian has fraud running in my name with no documentation or proof to back up keeping information pertaining to personal information. 
Experian seems to commit fraud as to and how this information was place on my credit file. 
I disputed the Inquires by Experian as my right and Experian has not provided any proof, documentation, nor any contract as facts or proof as it appears on my credit file. 
I also sent in the companies that are not any I applied for or obtain credit in my name very detail and Experian acts as I did not provide the information to them. Nothing but fraud on Experian Part to the issues.

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 2018-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a Chase checking account owner for over 15 years. I recently tried opening a Savings account online ; I went through the process of logging into my checking account and transferring funds from my checking account into the new savings accounts. Once the process was done, I was asked to create a PIN for an ATM card. After this, I was informed that the Savings account was successfully created and the card would be mailed to me within 7 - 10 business days, while the Savings account was supposedly opened immediately.

I went to my accounts on the Chase.com website and I saw my Chase credit card, Chase Checking account information but not the Savings account. 

After two weeks of waiting, I called Chase customer service on XX/XX/XXXX and the lady I spoke with confirmed that my account had no savings information on there. She advised me to go through the process again. 

On the same day, XX/XX/XXXX, I went through the same process described as above. After which, I looked at my online Chase accounts and still, no Savings account. I immediately called Customer Service and they once again confirmed that there was no incidence of a Savings account creation.

My concern is that the system might be slow and since I have transferred money twice to the phantom Savings account ( s ), in the future, these accounts may be created, thereby prompting the funds draw from my account twice and then I will be hit with overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was experiencing hardship ( was out of work ) and I made an arrangement/hardship payment with XXXX XXXX XXXX. I purchased this car in XX/XX/2012and am still making payments on this vehicle. I went to apply for a loan and I was denied because the loan officer stated that I am currently behind with XXXX XXXX. This is not true.I have several blemishes on my credit report from XXXX XXXX stating that I have not made a payment. I want these late payments removed. 

XXXX XXXX partnered with a dealership that is not a well rated dealership. I went through XXXX XXXX XXXX before reading reviews about them. They sold me a lemon and used XXXX XXXX to finance this lemon. It has never taken me 6 years to pay off a {$16000.00} loan. According to XXXX XXXX, I still owe {$6700.00}. This seems a bit excessive. 

I am asking that these late pays be removed immediately. 

My account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mother is XXXX years old, has XXXX and lives in an assisted living apartment. I have power of attorney for her, handle all financial transactions, and pay all of her bills. My mother 's Chase bank checking account had five ( 5 ) fraudulent withdrawals using QuickPay with XXXX starting on XX/XX/XXXX to XX/XX/XXXX,  totaling {$8500.00}. On XX/XX/XXXX, I notified Chase bank of the charges and that they were unauthorized and fraudulent. Chase froze the account and reversed the charges. On XX/XX/XXXX, I received a letter from Chase notifying us that after their research they were removing the " temporary credit on your account '' and removing the {$8500.00}. from her account once again. 

When I called Chase in inquire about the removal of the fraudulent charges, they advised that they did not appear to be fraudulent because of the IP address. We have NEVER used XXXX and have NEVER made any payments to these individuals before and don't know who they are. 

Chase refused to give us the IP address saying that we would need a police report to get that information. I contacted XXXX County, Texas Precinct XXXX   Constable 's Office to make a report but was told this is a civil matter and they would not open a case. This is not just a civil matter - this is a criminal felony fraud matter on an elderly woman 's account.

Company response to consumer: Closed with explanation