vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
I applied for a Re-fi cash out with Intercontinental Capital Group located at : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX XXXX. XXXX. 
With loan officer : XXXX XXXX, his email address is XXXX. 
I was told by Mr. XXXX that I woul qualify for {$220000.00} Re-fi loan. I was asked to pay for an appraisal but I stated that only everything except the value of my property would be the only reason for the banker not approving my loan, he said that there's no other reason why they would reject my loan, I proceeded and paid for the appraisal. 
Note : the home has only a {$67000.00} first mortgage and the property appraised for $ {$770000.00}.

Soon after the appraisal, the underwriter Ms. XXXX XXXX, emails me and ask for my corporation tax forms and told them that New York XXXX XXXX XXXX. It's owned by me and I received a 1099, therefore, why do I have to provide information of the company since it's a separate entity. Of course, they insisted I must provide XXXX & XXXX corporate tax forms. I provided all forms as requested but soon after Ms. XXXX and XXXX email me that the corporation has reported losses, therefore, I wouldn't qualify. 
I feel that a corporation 's losses has no relevance on I qualifying. 
Also, I know, that if that the above mentioned is a valid reson, the why didn't the loan officer know this information that cost me {$700.00} appraisal report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: NC

Complaint narrative:
I am writing this due to non-compliance with the CRA Experian. 

They have failed to remove information that was affiliated with personal identifiers that were challenged and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

The accounts are listed below : US Dept of Ed, Acct # XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # 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 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
recently filed Chapter XXXX as I had got behind with my bills and my hours were cut back at work due to the Covid 19 Pandemic. I did not file on my mortgage company for obvious reasons. When I went on line to make a payment I found I was locked out of my account because of the bankruptcy. I called them and explained that i had not filed on them and was told I would need to mail in a payment and that they could not even talk to me without permission from my lawyer. I had my lawyer send them a form giving said permission on XX/XX/XXXX He received an email from them requesting the account number associated with my mortgage and he sent them the needed information the same day. In the mean time I sent a check for my XXXX payment in the form of a metered mail envelope that my secretary hand delivered to the post office. That was on XX/XX/XXXX, on XX/XX/XXXX I had still not seen the funds removed from my checking account. I called them on XX/XX/XXXX and talked to a customer ambassador and was told to set up bill pay through my bank and had no idea where my check was. I asked to talk to a supervisor and was told that they needed permission from my lawyer, and was told they had never got anything from him even though he has the email they sent him requesting the account number and the email he sent them with it. Not making a lot of sense to me at this time. 

Now it is XX/XX/XXXX They claim they have still not received anything from my lawyer which can easily be proven untrue when I try to call from my cell phone the call will not go through but I get through immediately from my work phone and there 2 separate charges of XXXX one on XX/XX/20 and one on XX/XX/20 labeled bankruptcy expenses that I can not get an explanation for. ( I did not file bankruptcy on these people ) Please help Also I can not send extra money with my payment and I could with the mortgage company that sold them my account I do not think that is right I made sure when I refinanced that I would be able to I thought they had to honor existing agreement when buying out mortgages?

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I contacted company XX/XX/20 and advised the debt was not mine. The car belonged to someone else that used my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX after over two months being mislead, and a very intrusive Loan Process my Wife and Daughter who were trying to purchase a Property in NC together were denied, because Wells Fargo Mortgage proclaimed my Wife had a Foreclosure in XX/XX/XXXX. Just two or so days before that, they had claimed they were using a Underwriting Specialist to fix some obsessive issue 's with original Underwriter. Then this bizarre Foreclosure stuff hit? 
We have spent a great deal of Time, Money and these issue 's have taken a huge toll on my XXXX wife. 
We have full documentation of how this process unfolded, and the Emails and communications that were exchanged. 
Why did they not deny my wife in the begining even by this false claim of Foreclosure? 
We traveled from AZ to NC thinking we were going to close, and now we are out a lot of money and have now lost the Home, because we could not extend the Contract, since it had been extended a few times prior.

We felt like this " Investigation '' of sorts was center on me ( Her Husband ) and I was not even on this Loan application at all. 
We worked with Wells Fargo to try and resolve this, and suddenly it was just full stop?

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 2020-06-16 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was charged {$7500.00} on XX/XX/2020 by XXXX XXXX XXXX XXXX. The charge appeared on my Citibank World Elite Mastercard. The Merchant could not deliver the product that was purchased and agreed to initiate a refund. I never received the merchant initiated refund so I initiated a dispute through Citibank 's online portal. 
Citibank 's portal reported an error during the dispute process ( CITI002 error ). I contacted Citibank customer Service through both their chat app and by phone. Each attempt to reverse this charge ended up with Citibank service people unable to help. They reported various reasons- " system upgrade '', " Inability to see data '', and " need for additional information from their system ''. A total of 8 customer service people were contacted- 4 of those resulted in disconnected calls, 3 of them resulted in handing off the problem to someone else and one said to call back " later ''. I spent a total of 2-1/2 hours trying to get someone to help.

I am trying to get this charge rightfully refunded as the goods were never delivered.

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 2020-06-16 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I applied for a wells fargo credit card. decided I did not want to change with the company I have and called to cancel my application. after speaking with several representatives at wells fargo. they agreed to pull the application and stop the process, it seems there is a hard inquiry on my credit report which affects my score. I am concerned as to why it is listed this way when I have not completed the process and wells fargo agreed to stop the action of checking my credit. I simply want the hard inquiry removed so it will not be a factor in my credit score.

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 2020-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: DE

Complaint narrative:
I've been in contact with XXXX, they advised they would settle the debt for a certain amount. When I checked my credit they sold it to a debt collector by the name of Ad Astra Recovery Service, which is reporting the incorrect amount on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XX/XX/2019 Midland Credit called my cell phone and did not verify any information before disclosing they were a collection agency and calling regarding a XXXX XXXX account. My phone was on speaker phone as I was in a meeting awaiting a call from a Vendor. My entire XXXX XXXX  heard that I had a debt, which I did not know anything of and still unsure if it's mine. I advised the representative that I couldn't talk and she didn't know who she was speaking to and she continued to demand I pay my debts. I told them not to call my phone any more. They called back again ( I do have proof of the phone calls and screen shots ) and again, did not verify any information and demanded I pay a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX, allowed XXXX to overcharge my credit card by {$2000.00}, by the time it was corrected. XXXX XXXX had already closed my account but did not credit my account the proper amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This account was opened at an address previously owned by me ( XXXX-XXXX  ) and sold 10 years prior to the account being opened ( XX/XX/2016 ). The issuing company stated that all mail was sent there, however, because I had sold the property 10 years prior to, I would have had no idea that someone opened an account fraudulently in my name. In addition to this, this account was opened around the same time that I was notified that I was a victim of the mass security breach within XXXX  credit services. By comparing my credit history with all other accounts that I have opened, it is clear that this is not the type of history that I have built. Why would I spend as little as {$300.00}, not pay it off and let this linger on my account for 7 years and negatively affect my credit rating for such a small amount of money, when all other accounts have been paid satisfactorily over this time? I have requested an investigation by JPMCB, but their only response is that " because the statements were not returned to them, they deemed the account valid. '' They did not compare dates of the address that the account information was sent to or acknowledge that the statements were sent to a property I hadn't lived at in 10 years. I have been unable to get them to respond to any further information regarding the account. I have filed disputes with all three credit reporting agencies, but unable to get any response, other than a statement that the issuing bank has deemed this creditable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i have stated that these account are not my account but they are still listed 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 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
In XXXX a predatory refinance loan was made to XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ohio, XXXX. Mr. XXXX XXXX is an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. He was awarded a XXXX XXXX designation for his service as a XXXX XXXX XXXX was all fame XXXX XXXX  system that supplied XXXX  XXXX. Mr. XXXX passed away on XX/XX/XXXX. Mrs. XXXX XXXX is presently XXXX years old and is living with the anxiety of losing her lifetime home. 
In XXXX, Mr. and Mrs. XXXX purchased their home at XXXX XXXX XXXX for {$34000.00} with a 12 % interest rate. The monthly mortgage payments were approximately {$550.00} per month. They paid this mortgage for 16 years from XXXX to XXXX totaling {$100000.00}. The home market value is underwater. The Arringtons have not missed a mortgage payment nor have they been late on their payments for the past 31 years. 

Mrs. XXXX XXXX and her family have suffered greatly throughout this fiasco. 
Their suffering was prolonged due to the many divisions of XXXX XXXX mitigation review process. Often, they were repeatedly requested to submit the same documents due to a lack of timely response on the Banks part and due to a lack of dedicated point of contact personnel. 
The XXXX familys attempts to communicate with the XXXX XXXX servicer personnel were met with difficulty and resulted in confusing and contradictory notifications and information throughout the mitigation assistance review process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX  should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I gave proper notification to the apartment complex manager that I would be vacating the premises and I paid the last month rent directly to the apartment complex manager with a money order for {$1800.00}. There was no damage and the apartment was left in excellent condition. I was never notified by the apartment complex that there were any outstanding charges due and I was not aware that this account had gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus as well as the apartment complex to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Back in XXXX I took advantage of a balance transfer offer that would end on XX/XX/XXXX. I paid a 3 % balance transfer and it was a 0 % APR interest offer. 

In XXXX I received a notification that I should take advantage of another offer, that would end in XX/XX/XXXX, at 1 % APR, for which it also had a 3 % balance transfer fee. Seeing the opportunity, I transfer some other debt that I had with this offer. 

Come close to XX/XX/XXXX, I noticed that my payments were not reducing the amount for the offer that was going to be finished in XX/XX/XXXX, I even made a huge payment to remove the balance for that debt, but it was applied to the offer that would end in XXXX. 

Now in XX/XX/XXXX, the offer for XXXX is already paid off, but the one for XXXX is going to accrue interest because not much was applied to this balance. 

I requested them to go and apply my big payment to the account saying that it does not make sense to apply it to something that was going to expire in XXXX. 

In other credit services, there is a way for the consumer to choose how balances are applied because set rules are not always the best for the customer, and at least you let the customer make the mistake, but it is not fair that the financial institution sets you up with an offer, misguide you on how the payments are made and trow your financial planning out of the window in order to collect additional interest. 

I understand that the payment order was on the agreement, but that is something not easily understood and you would have think the Financial Institution was better at common sense.

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 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: DE

Complaint narrative:
XXXX XXXX of XXXX XXXX is violating my HIPAA rights, I've provided my insurance information on several occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Common wealth financial systems its about XXXX XXXX XXXX a # XXXX for the amount of {$1200.00}. Call them and let them know that this account is not mine but they still report it in the credit bureau

Company response to consumer: Closed with explanation