vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Around XX/XX/XXXX I was in negotiating a loan Modification with then Bank of America who claims to be the refinancing junior lender. However, Bank of America was alleged to be a predatory lender in XXXX by another Mortgage lender. At the time I was currently already on a loan Modification with the senior lender in XX/XX/XXXX. The senior lender Payments was about a thousand dollars a month. Bank of America loan Modification would have been about a thousand dollars which was too much, being that I was already underwater on the house and I'm on a fixed Income. However while in negotiations with Bank of America, who continued to give me the runaround regarding the loan Modification. I spoke to 7 different people at Bank Of America who  just wanted me to send all my personal information, but never returned my phone calls and letters regarding the loan Modification. Then on XX/XX/XXXX a foreclosure was filed on the home. But the plaintiff that filed foreclosure on XX/XX/XXXX was another bank not Bank of America. On XX/XX/XXXX foreclosure stated that I received a SUMMONS SERVED BY SPECIAL. PROCESS SERVER which was false. The XXXX was served to my father in New Orleans in XX/XX/XXXX not XX/XX/XXXX. I found out about the summons when I visited New Orleans during XXXX XXXX from my father. My first court appearance was in XX/XX/XXXX almost a year later after the foreclosure was filed. I continued to go to court on the case as I was still surprised by the whole ordeal being that I was still in negotiations with Bank of America a year prior regarding the loan Modification. On XX/XX/XXXX I went to court and the Judge alleged to have sign off on the Order Of Possession that day, the judge told me that I had 30 days to move out. I was shocked by this as I asked the Judge to give me sometime to figure this out. Plus I'm was a XXXX Veteran. So the judge said 60 days. Now I come to find out that Bank of America does not own the home. This was confirmed on or around XX/XX/XXXX. I still occupy my single family home as the current owner. Bank of America has continued to avoid answering any of my complaints after several attempts, and has not given an answer to any of my complaint as well. However Bank Of America keep sending unknown people to harass me and my family to fraudulently take my home.

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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, my home was approved for a short sale ; the sale was completed on XX/XX/XXXX. In XXXX of XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed. 

I spoke with XXXX  XXXX XXXX, who said they couldn't correct the error because I was no longer a customer. 

I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from XXXX XXXX XXXX stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on 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 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC.
State: CA

Complaint narrative:
Complaint # XXXX should not have been closed just because XXXX XXXX   responded refusing to do anything. In XXXX I received an escrow surplus of {$1500.00} with a form ( attached to original complaint ) to add more to the escrow acct to cover any increases in taxes and insurance. I returned this form with a check for {$500.00} in XXXX. I was notified in XXXX that my XXXX payment was being increased {$20.00} to cover an increase in taxes. I complained to MB and they ignored me. I complained to CFPB and you have apparently accepted MB 's response. On or around XX/XX/XXXX, MB Customer Service Director, XXXX, called me and admitted they had more than sufficient funds in my escrow acct to cover the increase but refused to analyze the escrow acct and adjust the payment. Yesterday I discovered that my monthly mortgage auto draft to XXXX XXXX had not drafted and was several days late. I called MB found that XXXX had cancelled my auto draft payment. I had no knowledge and received no notice of this cancellation. This is clearly retaliation and could have damaged my credit. I immediately requested the ach be re-instated and that someone higher than XXXX call me. This is abusive behavior by XXXX XXXX. It makes no sense to refund escrow funds greater than the increase in taxes and insurance. Please stop this and allow mortgage holders on fixed income to keep their payments down. Why does MB deposit funds to the escrow account to cover increases in taxes and insurance yet does not apply those funds for the stated purpose. MB has both deposited my {$500.00} check to my escrow acct and collects {$20.00} a month more each payment to cover increased taxes. How is this acceptable?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
TFS reported incorrect information to Credit Bureaus. I have contacted TFS in XX/XX/2018 regarding incorrect late markers on my account. It took TFS more than two month and multiple communications to fix the problem. During that period TFS reported additional incorrect information to Credit Bureaus of two additional credit markers, one for XX/XX/2018 and another for XX/XX/2018. The car was sold in XX/XX/2018. These additional  incorrect negative credit markers negatively affected my credit history and resulted in credit line decrease for my XXXX credit card. I was on the market for a mortgage and it is also affected my ability to receive good rates. It was a stressful experience. I have attached XXXX  report which show additional incorrect credit markers on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
EXPERIAN HAS FAILED TO RESPOND TO MY DISPUTE WITHIN THE ( 30 ) DAY TIMEFRAME THAT IS REQUIERD BY LAW ACCORDING TO FCRA!!!!!!!! I've sent in my dispute letter certified with supporting documents on XX/XX/2018. They received it XX/XX/2018. NO RESPONSE!! I've sent a certified follow up letter about my investigation XX/XX/2018. They only sent me a letter XX/XX/2018 saying they need for me to send in more identification! ( I am not sending them anymore of my personal identification! ) On XX/XX/2018 I called Experian about the situation. They told me that they never received any dispute letters with my supporting documents!!!!!!

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 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NY

Complaint narrative:
So I have not only got charged a 3 % interest on a balance transfer when the Advertisement and paper work I received stated 0 % for 14 months i have this paper work at home and no way of getting this to the company. 
So i transfered a loan from my bank onto my discover card which they admittedly put on my discover card, but my bank states they have not gotten the payment yet!!! so now I am being charged by my bank interest on a loan still sitting in my account that discover states they paid off! 
I asked discover for a copy of the check sent front an bank so I can send it to my bank and they said they could not do this till after the XXXX which again I am being charged interest on this loan that is sitting on my discover card .... XXXX stated that they sent the check on the XXXX and that it was cashed so i do not see why they could not send me or my back a copy of the check front an back so that we can have it only on the discover card? 
I have spoken to 14 people in regards to the % rate and this transfer and noone can help me. It is very aggravating that they just blow you off ... no reason why they can not help me to me if you put something on someones account and they are asking for copies it should be giving to you. I am the one paying this off!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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!!! 


Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: MD

Complaint narrative:
I applied for an XXXX credit card and forgot that I had a " fraud '' alert on my account with the 3 main bureau 's ( XXXX, XXXX, XXXX ) and assumed that XXXX would reach out to me about applying for credit. 
Instead, I received a notice in the mail from XXXX XXXX stating that they used a credit reporting agency I NEVER heard of called XXXX XXXX XXXX and the reasons for denying my credit were not even close to what my credit history is and the score the gave me was ridiculously low. 

In order to receive a copy of my report I went onto the website where it was stated that you could only receive it by calling in or writing/faxing a request. 

I AM NOT going to give my ss # or any other private information to a so-called " reporting '' agency that I've never heard of and all the info they seem to have for me is incorrect. I've recently had fraud on my credit report, hence the " fraud '' alert I put on there myself. 

Then, the company goes so far as to have an " opt-in or opt-out '' for either 5 years or permanent, to have my information given to 3rd parties, but again, to opt-out I have to supply my social security number, so who knows who these people are giving my personal information to WITHOUT my consent ( like I said, I didn't even know this company existed ). 

If this is who XXXX has handle their credit, I'm glad I was denied, because I would not want them to have access to my information knowing this is what they do with it. 

I want all my personal information erased from this company, opted out of everything forever and this credit inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom It May Concern : My family and I travelled to XXXX and made several credit card charges which now appear on our current credit card statement. Prior to our trip, we were advised that Amex does not charge foreign transaction fees. Upon review of our foreign charges, I noticed multiple inconsistencies throughout the statement regarding the way XXXX to USD conversions were processed. My concerns are the lack of consistency when applying the foreign exchange rates. 

On several of the charges, the exchange rates used are higher than published rates I found through various online resources. 

Example 1 : Hotel charge on XX/XX/2018 for XXXX EUR was converted to {$2100.00} using an exchange rate of XXXX. However, published rate online for XX/XX/2018 was XXXX. 

Example 2 : In addition, I made several transactions on XX/XX/2018 and a different conversion rate was applied to 3 of the 4 transactions. The exchange rate published online for XX/XX/2018 was XXXX. However, Amex used conversion rates of : XXXX XXXX XXXX I contacted Amex and was advised that the conversions are made by an Amex subsidiary. I asked if I could file a complaint and have the charges/corresponding exchange rates reviewed. I was advised that there is no process to formally file a complaint or request a review. They could only document and internal note on my account that I called to question the charges and a description of the information I was provided. But again, its not a review just an internal note and no additional action would be taken. I spoke with both a customer service representative as well as a supervisor who essentially said there is no way to dispute the charges as they are what they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Last week ( XX/XX/2018 ) I began the process of Refinancing my mortgage to decrease my monthly payment. The Mortgage Loan Officer " XXXX XXXX '' sent me an initial loan estimate where the loan amount is {$170000.00}, I only owe {$160000.00} on my Condo. I asked the loan officer, why do they do this, " up the loan amount '', she couldn't give me an answer. I requested that she tell me where the " {$1300.00} '' difference go? Or could she provided me with those line items in the loan estimate that would total " {$1300.00} '', no response. 
I asked her for the Truth in Lending Disclosure Document and she said they don't provide this document anymore and I requested a notice explaining my rights, no response.

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 2018-09-11 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: FL

Complaint narrative:
Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,XXXX XXXX SS#XXXX DOB: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I received a letter from Ditech Financial, LLC dated XX/XX/XXXX that said they were in the process of reviewing a written request from me. Their research has not concluded. They stated the letter was to notify me of their ongoing investigation in an effort to provide me with resolution. 
Below that the letter stated thee communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose. Farther below on the bottom of the letter it had a note that said " Forward Progress-Written Request, XX/XX/XXXX. 
It gave me a number to call which I did ( XXXX ). The person that answered said the letter was to get me to call about refinancing. I described the letter and said that so you send me a letter describing that there is an issue with my credit ... .and that I have made a written request to resolve so that you can try to get me to refinance - his answer was " yes ''. I had previously told him that I was not interested in refinancing but then after he confirmed the unethical practice they were using with the letter I told him that I may now consider refinancing with another more ethical company. 
This type of solicitation should be illegal!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: FL

Complaint narrative:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX fl 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 2018-09-11 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/18 I called XXXX and opened up a dispute with Citi Card relating to three transactions that appeared on XX/XX/18 - XX/XX/18 ( XXXX statement ). These were : 1 ) XXXXXXXX XXXX XXXXXXXX purchase for {$790.00} on XX/XX/18, which I or my wife did not make or authorize. 2 ) Two XXXX networks payments made on XX/XX/18 for {$61.00}, and {$8.00}, which neither I nor my wife authorized. ( We are not a XXXX  /XXXX   customer. ) I was told they needed 7-10 business days to resolve this. I called on XX/XX/18 and was referred to XXXX on Citi 's Billing Dispute Team ( whose phone number is XXXX ). As when I opened the dispute on XX/XX/XXXX XXXX asked me a number of questions relating to these transactions. I told him I did not authorize these transactions and that I contacted XXXX XXXX and that they told me that they could not track who made the {$790.00} purchase. XXXX told me he would give me a credit for the XXXX XXXX {$790.00} and the XXXX {$61.00}. ( They had credited our Citi card with the {$8.00}, ( XXXX would also sending me two letters that I would have to sign and return. I called today XX/XX/18 and talked to XXXX at the Citi Card Billing dispute and she said that this was opened up as merchandise not received. She opened up a new dispute for these amounts, so we are restarting the process.

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