vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
When we bought our house in XXXX, NJ on XX/XX/XXXX, we took out a mortgage with XXXX XXXX XXXX XXXX in the amount of {$53000.00}. 

The mortgage was sold to XXXX XXXX, and was discharged on XX/XX/XXXX when we refinanced. The discharge was recorded with the county clerk on XX/XX/XXXX, but was recorded incorrectly referencing the book and page number of the new mortgage that replaced it, instead of the old mortgage that was being discharged. 

XXXX XXXX was later acquired by Bank of America. 

When we sold our house in XXXX, the problem was discovered and the problem was reported to Bank of America 's on XX/XX/XXXX. 

In the meantime, we had to agree to place the proceeds from the sale of our home in an escrow account until the mortgage was properly discharged in order to close on the sale of our home. Not being able to access the home sale proceeds caused considerable hardship for us. 

Bank of America took until XX/XX/XXXX to determine that the original mortgaging company was out of business, and that they would have to get legal help to obtain the lien release. This was communicated to me in a letter on XX/XX/XXXX. 

It is now a year later, and there has been no movement with our case. There has been numerous respectful attempts to find out more about what is happening, but with little success. XXXX XXXX, a XXXX XXXX XXXX - Home Loans also tried to help find out more, and told me that the case had been escalated to her management. I was not able to get any further updates, and she stopped responding to my emails. 

I contacted the Superior Court of New Jersey to get an indication of how long cases generally took to get resolved, and was informed that the normal time for a motion to be heard was 1 month, so the delay does not seem to be due to waiting on the legal system.

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 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC.
State: AZ

Complaint narrative:
Amerifirst financial failed to close a loan. They made empty promises and told the buyer they will close as well as the seller. They failed to put the client in any sort of underwriting until 2 days before close of escrow because they forgot about the file. They shared the buyers personal information as well as the ssn with all parties. Costing the seller over XXXX in damages

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Friend of mine passed away XX/XX/2020. I was named Successor Trustee on his Trust. Closed account at Chase Bank the first week of XXXX, but second account was in his personal name. Was told to get Letters of Administration, and become Personal Rep. Contacted attorney. Went back with LOA and death certificate, and account was now turned over to Deceased Client Department. When calling that Dept, no one answers the phone. Had to email. In XXXX, rep called me back to say that they needed a Trust Certification. I explained that I already closed out the Trust Account, but then she said that the Trust was the beneficiary of personal checking  account. I did not need to supply Chase Bank with LOA, and I should have been able to close the account the first week of XXXX when I closed the Trust Account. Now that they have seen that they misguided me, they are now holding the Social Security payment made on XX/XX/XXXX. Branch Manager said I needed letter from Social Security stating that the funds would not be reclaimed. SS rep said there is no letter because ss payments are paid in arrears and he is entitled to the check because he lived until XX/XX/XXXX. Chase Bank also said that they have a contractual agreement to hold the funds for 6 months unless I get a letter. SS also said there is no such rule. Now SS needs to get in touch with them and tell them I am entitle to the funds, so they can go to the estate. What a waist of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: World Omni Financial Corp.
State: FL

Complaint narrative:
am very affected by the cessation of activities produced by the Pandemic that paralyzed the world economy and our country in particular. 
I have a XXXX XXXX and I am the XXXX, XXXX XXXX  and woman in charge of the entire family group. 
I have had this account for more than five years, I have never failed in my commitments. I have been honored to go through all the difficulties. 2020 is an unprecedented year. 
In honor of the truth, I have taken the GRACE period that was a BENEFIT, granted by the Financial companies, the tools were mobilized so that I could not sustain the country 's economy, my XXXX XXXX is standing, while this last period ended, We analyzed with the first line of customer service the possibility of extending one more month, they denied me at a higher level this last possibility, always in charge of XXXX XXXX, my family giving the face with full credit responsibility to all calls and calling to see how I could solve. 
I was waiting for this analysis while they were analyzing the possibility of extending this grace period. This did not happen They denied me the benefit and only that day the QUOTA expired and the 30 days passed, where they reported me to the CREDIT BUREAU or else I would have paid it IN TERM by making the maximum sacrifices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I'm on a mortgage note with Calibar Homes Loans with my ex fianc 's mother. They have not paid the mortgage in over a year and seven months and now I have proof that they forged my signature to get a modified loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
Hello! 
On XX/XX/2020 I had ordered a payoff letter from Selene Finance, as my home is being sold. I followed on XX/XX/2020 with the agent, and he said the payoff had been mailed, and he promised to email it to me as well. I just called Selene Finance, and I was routed to some representative 's voice mail. 
Please, help me to receive a payoff letter from Selene Finance as the closing is on XXXX 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Adelante, Inc
State: TX

Complaint narrative:
Previously this company threatened and reported this to the credit bureaus and hurt my credit score.

However, on contacting CFPB, they since rescinded the complaint from the report. But still my credit score has not gone back up to where it was before. Also, there are banks and credit card companies that have since looked into my credit history. This has additionally hurt my numbers and credit outlook. 

After CFPB report, then sent me the details of the debt by US mail. This debt as it shows is from XXXX XXXX XXXX. When I left the hospital the agreement was that this amount is written off. However, when I called the people that worked there in XXXX are not there any more. Now they are telling me. that I owe and since it is old they can not help me!!! 

I have been calling Account Services, the debt collector to come to some understanding. I have left several messages over last few weeks from Mid XXXX onwards and finally left two messages today, XX/XX/XXXX, and got a call back. 

Told them that I am a retired XXXX year old, with XXXX  hurt in an accident. I am unable to work much and I don't receive any benefits. Income I have barely meets my rent etc. I told this to a Ms. XXXX XXXX and asked her how she can help me. 

Told her that I have saved {$250.00} for XXXX XXXX and there may be another {$100.00} to {$150.00} in savings. As I want to get rid of this  XXXX which is causing my intense XXXX  and XXXX, I wanted to reach some agreement. But she wants to put me on a payment plan. Told her that my income barely meets my expenses and that this savings of {$350.00} to {$400.00} will also be gone if they can't accept. 

She said that I will be reported as not interested in paying the debt back. This sounds like threatening to me. They will again hit my credit. 

Please help me reach some understanding with this company so that I can left in peace to attend to my life and my issues. 

Thank you very much. 

Sincerely, XXXX XXXX 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 2020-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My subscription to Macys Credit Card have hit hard on my impeccable credit scores due to careless errors by Macys team. My shopping bills in XX/XX/XXXX at Macys was charged to the credit card on a spot approval & subscription at the store itself. Firstly, Macys have failed to deliver the credit card and the statement, which I received only in XX/XX/XXXX after I have made the full and final payment on XXXX XXXX, XXXX. 

If it werent for not receiving the credit card statement, Id have an excellent repayment record. I have cleared the dues on XXXX XXXX, XXXX on the same day of receiving my lower credit score information, while consulting for a bank loan. Despite Macys customer care informing me the card has been cancelled, they have charged for non-usage of the card in XX/XX/XXXX statement. In spite of requesting for a statement on XXXX XXXX, XXXX with no response until XXXX XXXX, XXXX, I have personally visited the store on XXXX XXXX, XXXX to inquire. They informed me the balance is nil and issued me with a print out at the store. 

The initial amount was {$230.00}, while my payment was for {$400.00} due to the above mentioned details. It is unreasonable to have found from Macys customer service department that my credit card and statements were dispatched to wrong address and no email statements and text message alerts were sent to me either. The errors from their offices have made me land on a lower credit score of  XXXX in XXXX, XXXX from XXXX in XX/XX/XXXX, in spite of having maintained a spotless record of on-time payments. 
( Please review attached 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 non-monetary relief
Consumer complaint received 2020-09-21 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: VA

Complaint narrative:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I do not have access to the documents related to these accounts, but the creditors would.

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 2020-09-21 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: VA

Complaint narrative:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I do not have access to the documents related to these accounts, but the creditors would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: ID

Complaint narrative:
Pro collect incorporated refuses to send validation for debt, refuses to take my call ( leaves me on hold )

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 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was XXXX  from XXXX-2020 to XXXX-2020 and during that time my Navy Federal debit card was used fraudulently for the following transactions : XXXX WITHDRAWAL {$1000.00} XXXX withdrawal {$300.00} XXXX withdrawal {$62.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$140.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX XXXX XXXX   {$240.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} Ive sent the bank a letter from the XXXX  stating the days I was XXXX  along with the police report and was still denied. I went to a branch location today ( XXXX-20 ) and was told by a Navy Federal associate who was on the phone with the Navy Federal fraud department and was told the reason I was denied was because the PIN number was used but according to the Electronic Funds Transfer Act that is not a reason to deny a fraud claim. The only way for my claim to be denied is if I wait too long to notify the bank of the fraudulent transactions which doesnt apply to me because I notified Navy Federal within 1 day of noticing the transactions because I was 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 2020-09-21 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:
On XX/XX/XXXX and again on XX/XX/XXXX there were request for a credit card fir a XXXX XXXX XXXX application. In XX/XX/XXXX I looked at my Experian credit report to find out where I stood to get a home loan and saw these hard inquiries. These inquiries affected my credit score in addition to putting too many inquiries on my report and affecting my ability to get a home loan. I filed a dispute, to no avail. I emailed, called and was finally told I had to contact XXXX. I contacted XXXX and they refused to remove or investigate the inquiries. I finally threatened to take legal action before XXXX would investigate and send a letter to Experian to remove the inquiries. Again, Experian has not removed the inquiries. I sent a copy of the letter from XXXX to Experian and to date ( XX/XX/XXXX ) these inquiries have not been removed. It has been 9 months dealing with this. I lost 2 homes that I could afford to buy because Experian and XXXX refused to act in a timely manner. My life, reputation and credit scores have been negatively affected. These companies hold my life in their hands and should be held accountable. It has been impossible to get a phone number to talk to Experian and when you leave a message, they do not return calls or respond live chat, emails or texts that they give as contacts.

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 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: NV

Complaint narrative:
I have an auto loan with Camax Auto Finance. My account number is XXXX. I filed a complaint last month that while I sent my payments in timely, they were not posted timely and a late payment letter was sent. For that complaint, XXXX XXXX from Carmax responded with the same drivel, that I " enroll '' in their auto deduction plan. 

It has happened again this month. I electronically sent in my payment from my bank to Carmax and it was paid to them on XXXX XXXX, 2020. The payment was due XX/XX/2020 and there is a 10-day grace period. Today, on XXXX XXXX, 2020, I received a letter from them dated XXXX XXXX, 2020, that I have not made my payment, that this may be reported to credit bureaus, and that the payment I now owe includes a {$15.00} late charge. 

I DO NOT WANT TO ENROLL IN THEIR AUTOPAYMENT PLAN. I HAVE NEVER BEEN LATE WITH A PAYMENT. I WANT THIS XXXX TO STOP AND ASK THAT YOU DO SOMETHING TO HELP ME RESOLVE THIS ISSUE WITH THIS SHAM COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Durango Credit and Collection Company, Inc.
State: CO

Complaint narrative:
Durango Credit & Collections is attempting to collect a debt to XXXX XXXX XXXX XXXX both located in XXXX, Colorado. I am not and have not been a patient at XXXX XXXX   XXXX XXXX. They refuse to remove the debt from their collection account as well as my XXXX  Credit Bureau account. This is not my debt as I have never been a patient of this clinic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a Victim of identity theft, and have attached a FTC report and a letter stating the fraudulent accounts that were open under my identity.

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 2020-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from Transunion, XXXX and XXXX that XXXX XXXX had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and Transunion this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation