vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Problems with Wells Fargo and XXXX XXXX not following 3 day rule for Closure Disclosure (CD).   Wells Fargo and XXXX   Title failed to follow CFPB requirement for 3 day rule.  The date of closing was XX/XX/XXXX.  I gave Wells Fargo and XXXX two weeks to correct problem.  However, they refused to address the closing problems.     My understanding is that CD 3 day Rule TILA-RESPA Integrated Disclosure (TRID) Rule apply to both the Loan Estimate (LE) and to the Closing Disclosure (CD). The Wells Fargo and XXXX XXXX XXXX XXXX should not be able to total change the estimate on the CD.   The Final ALTA settlement statement was totally different then the CD provided.  The consumer (myself) is entitled to receive the correct estimates amount on CD within three business days of placing a loan application.  I the consumer is entitled to receive the correct CD to review no later than three business days prior to the time when he/she is required to sign the loan documents.   The problem was that the Final ALTA was totally different then the CD provided 3 days prior.  The LE (or ALTA Statement)  discloses the loan amount, interest rate and the estimated monthly payment along with the balance of the terms of the loan. It breaks down the charges for fees and services required to secure the loan and gives the consumer an estimate of the amount of funds needed to complete the transaction. Determining when that countdown begins depends on how the documents are delivered. See section §1026.19(f)(1)(ii) of the CFPB’s TRID Rule.

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 2019-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Good afternoon,           I am filing this complaint on Tower Loan located in XXXX, AL. We financed a couch with them last year and have been making payments on it each month since that time. It will be paid off in a few months. However, when we called to get a copy of the payoff information we were told that we had a few late fees. When my husband asked about the 10 day grace period we were told that it was 10 actual days on not 10 business days, which is fine. However, the attitude from the employee that was given was not appreciated. He was told that he was an adult and would need to balance his accounts and pay his bills like an adult. When he asked about getting a monthly statement for said loan he was told they do not mail statements. I work in an insurance industry where we monitor insurance for financial institutions so I'm very aware of certain compliance aspects. Is it not a requirement to send a statement of some sort when a loan is in place? I just finished a compliance CE course on Friday and I'm pretty sure this topic was covered. When we asked to speak to a manager we kept getting excuses as to why we couldn't speak to someone. I have been online to read reviews and have come across quite a few of the same situations we are having. Can something be done about the malpractice issues? Or possible an audit of some sort? From my search, this financial institution doesn't appear to be regulated by the FDIC. 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 explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have no idea who this company is they just reported on my credit report that I owe them $XXXX.  This may be an all debt from XX/XX/2014that they said but it’s affecting my credit like it’s a new debt. I don’t even know why I received this bill back then when my insurance should of covered it. All they are doing is messing up people’s hard work in fixing their credit. This should not have a new negative impact on my credit after all the time I spent to get rid of it. It’s not fair to consumers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am trying to unlock my credit score with Experian. I successfully utilized their online system and confirmation that my credit score was unlocked appeared at the end of the process. That was on XX/XX/19 and a creditor is still getting notifications that my credit is locked with Experian (it's been 3 days). I attempted to contact Experian via their XXXX XXXX XXXX customer support number and they do not have a live customer service line for consumers. The automated system does not serve my needs, as past attempts to resubmit my credit unfreeze request were unsuccessful with their automated system. They are holding my credit hostage and preventing me from providing this information to a creditor. They are failing to provide an adequate level of customer service to support this issue.

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 2019-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Case No:XXXX-XXXX,on XX/XX/XXXX and XX/XX/XXXX,I XXXX XXXX XXXX received my XXXX from Social Security Administration my Deposit of:$XXXX Deposit from JP Morgan Chase XXXX XXXX XXXX said it was an Invalid account number but Social Security Administration don't make mistakes like this ofXXXX:XXXX:XXXX:XXXX.Account Ending in:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA Compass Credit Card Account
On XX/XX/19 I sent Request to Cease Further Communication.
On XX/XX/19 received back signed delivery receipt.  Signed by XXXX XXXX.
Since that date I have received 3 phone calls to request payment or could be referred to collection agency. 1st call was approx XX/XX/19.  2nd call was on XX/XX/19 @ XXXXXXXX.  3rd call was onXX/XX/19 @ XX/XX/XXXX/XXXX.  I advised each caller about the Cease Request.
The amount owed = $XXXX
I am on a payment plan with XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: FL

Complaint narrative:
Investigation did not fix problem on my transunion 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 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In the entire amount being disputed, or I should say attempting to resolve, I was not notified during the dispute process (especially toward the end) that the account was being charged off and placed back into Citi Recovery on behalf of XXXX XXXX XXXX XXXX. Because the account balance was being handled by several different entities, the total account balance was in dispute by me, the card issuer, the debt collector(s), and the account servicer.  As a result, communication was unclear and I was charged significantly more than I should have been. Even though the account balance was inevitably sent to collections (and truthfully, this was the best outcome because it finally established a firm account balance), it was done so without proper notification that any dispute processes were closed. As a result, any correspondence undertaken by other entities was mis-timed and did not result in clear communication explaining any given entity's intended course of action.  Above all, the card issuer did not act in good faith toward seeking a resolution that prevented the consumer from incurring negative credit reporting.

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 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I already paid for a medical debt that was sent to Radius Global Solutions. I took a screenshot of the below information from their website and I sent it to XXXX XXXX XXXX. The company is still attempting to collect on a paid debt and XXXX has yet to respond to my email. I have provided adequate proof on my end that this was paid for and they need to remove the negative credit reporting immediately. 

Reference XXXX XXXX Payment Amount : XXXX Payment Date : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: FL

Complaint narrative:
Incorrect items reporting on my transunion 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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I attempted to access the TransUnion Website (https://www.transunion.com) on XX/XX/2019 to obtain a free copy of my credit report. I followed the links on the website to what I believed were the steps required to have TransUnion pull a copy of my free credit report. However, I was charged $XXXX. Nowhere was I shown a confirmation that I would be billed or what my credit card number would be used for. The website was deceptive and difficult to navigate. After searching for about 30 minutes and multiple web searches, I finally was able to cancel my subscription. I then tried to call TransUnion to dispute the charge but I was never able to get anybody on the line after waiting for upwards of 30 minutes.

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 2019-08-19 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 canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Logged in on XX/XX/19 all I wanted was to lock my credit report, forced to put in credit card. Charged $XXXX  on XX/XX/19 for continued service I didn't know I signed up for. Canceled service once on XX/XX/19. Charged $XXXX   on XX/XX/19. Tried to cancel service again on web site received incorrect directions how to close service on website over an automated phone service and couldn't get through to a real operator.

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 2019-08-19 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: CA

Complaint narrative:
This account was deleted from my credit file then placed back on just recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aurora Financial, LLC
State: TX

Complaint narrative:
On Wednesday XX/XX/2019, I had an exchange with a representative from Aurora Financial - NMLS#XXXX, XXXX XXXX XXXX. My original mortgage was with this company and they offer and advertised a no cost refinance solution (attached a screen shot of the page on XX/XX/2019). The rep refused to offer this program to me which would have brought a refinance 15 year rate to 3% based on what was advertised. He claimed that the offer was only valid for customers who had created a loan in the last 6 months. This was not indicated anywhere. The rate was supposed to be based on the 15 year 30-day RNY + 0.5% margin (which was at 02.52571 on XX/XX/19). The loan officer told me they would not offer the advertised program to me. I believe it could have possibly been discrimination and/or false advertisement of a program. I mentioned to the rep that I would be filing a complaint, and since then they have updated the terms of the program online and raised the margin spread. I have attached a PDF of the original page, and I have an email exchange with the representative from XX/XX/19.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: FL

Complaint narrative:
On XX/XX/2019 Keybank placed a legal hold in reference to XXXX XXXX XXXX - Account # XXXX  - XXXX XXXX XXXX, XXXX, MI XXXX    (XXXX)XXXX. The above company used fraudulent information in order to convince the XXXX District Court  Case # XXXX - Judge XXXX XXXX XXXX to issue a garnishment against me when I had a legal binding contract with XXXX XXXX XXXX for $XXXX monthly with a balance of $XXXX.The balance in the Key Bank account $XXXX was not my money and in fact it was a deposit by my husband - XXXX XXXX XXXX.  Therefore this transaction is illegal and this money must be returned to my husband - it's rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: FL

Complaint narrative:
To be removed

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 2019-08-19 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: FL

Complaint narrative:
Hello, how are you writing this letter regarding a few that were fraudulently opened, I have already tried to dispute these few but have not been able to eliminate them from my credit report, I have an affidavit identity theft and report these accounts as fraudulent please remove  these accounts of my credit report THANKS ..

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 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FACTUAL DATA CORP.
State: AZ

Complaint narrative:
I have been trying to get a refinance on my home for the past 4 months, but because of the reports given by Credit Reporting Agencies, such as Factual Data, lenders are telling me that my scores are so much lower than the reports I get from the 3 reporting agencies.  The lenders tell me they use the middle score, however, they do not, they get different scores.  I have now several hard inquiries on my report, due to the fact that because of the lower scores they report, I get ripped off big time on interest rates.  I even started paying off credit cards and brought up my scores but Factual Data still reports low scores.  It is totally unfair.  My scores all show in the low 700s, yet they show in the 660 and 690's.  I have always paid ALL my bills on time, something must be done to help the consumer not get ripped off in this way.  I am XXXX, lived in my home for 20 years since built.  Can you help me?  I was trying to refinance to update my home and pay off two credit cards, with a decent interest rate.  XXXX XXXX XXXX, my last quote was at a 5.5% interest rate! Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is the third time that Citi Bank account services has claimed to lose my XXXX transaction after they claimed it should have reflected on my account ledger. Once I called the bank and put up a fuss about it , they told me that it’ll take 2 hours to release the funds. Unfortunately, they requested that I put in a dispute to release my funds. What brought me to this site today was that my bank told me that funds in the amount of $XXXX had “disappeared” and should’ve been in my account. I spoke to 4 different customer service representatives who all gave me a different story on why I didn’t receive funds that I so desperately needed . On one occasion I found where the money was missing and the bank had to do an investigation and replenished the money that “disappeared”. So this is not the first time for losing money that should reflect in the system.I would like to have an investigation into Citi Bank accounts in general. I’m sure I’m not the only person that this is happening  to. The bottom line is that Citi Bank claims that once the deposit disappears (that’s their term) that there needs to be an investigation on why the money disappeared and I have to wait 10 days for a provisional credit for money that belongs to me but clearly visible to the bank on their end. One customer service rep said that, “it’s not released wait 2hrs” , another says,”their not sure why it’s not showing on the account. It looks like it disappeared “, another says that”I have to wait a certain amount of business days “. This is bananas!

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 2019-08-19 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
This is a dispute from XXXX XXXX against Barclay's for Barclay's refusal to assist in the fraudulent purchases on Ms. XXXX account and Barclay's non-response to Ms. XXXX  request for documentation on the account.Ms. XXXX  has no record of opening an account or being in possession of this account before charges were made by claimed authorized user, XXXX XXXX. She did not make payments towards the account or hold any documents towards the account. Once notified of the accounts existence, she promptly filed a police report and a fraud dispute with Barclay's. This dispute was denied. Ms. XXXX sent a request for documentation on the account on XX/XX/18 requesting any documentation that would show that she was notified of the account, including billing statements, payment records, how the account was opened, etc. It has been over 30 days, and Barclay's has not responded to this request. Creditor's failure to respond to a consumer's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ditech Financial LLC
State: OH

Complaint narrative:
On XX/XX/2017 DiTech Mortgage sent XXXX from XXXX XXXX illegally into my home.  Was told to contact XXXX XXXX to pay for damages and stolen property in the amount of $XXXX. Police report was made.  Have tried repeatedly to get this resolved to no avail.DiTech  Mortgage. Ph: XXXXXXXX XXXX XXXXXXXX  Az XXXXXXXX XXXX Manager XXXX  Ph: XXXXXXXX XXXX attn: XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have 2 Loans that have been recently bought out by Loancare. I have made a total of 4 payments thus far. For some reason on my most recent bills, the first two payments made are missing in the Transaction Activity. No one from loancare/XXXX XXXX can give me an answer - and the money was in fact deducted from my bank account. I was told by a customer service rep to reach out and attach my bank statements as proof of payment which I did and then to call back. I called back and they told me I might receive a call back in 3-5 days - but if I don't, to call in a week.. I need this sorted as we paid our payments well on time. I do not want any missing payments or late payments on my credit report. I also have the payment confirmation emails dated XX/XX/2019 for both loans if you need those sent over.

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