vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
On XX/XX/2021, My wife, XXXX, and I emailed XXXX XXXX at Citizens Bank NA inquiring about their medical professional mortgage program. This began a series of emails in which XXXX indicted that we qualified for this program and that our rate would be between 2.875 and 3.0, given our credit scores, home price, and loan amount. On XX/XX/XXXX, we completed an online loan application with Citizens. On XX/XX/XXXX, XXXX emailed us a few times including an email that offered the opportunity to lock in the rate of 3.0 with .25 points. We asked him to lock that rate in, and he confirmed that he had. We asked for a loan estimate, and he sent us what we believed to be a loan estimate ( but it was in fact a " pre-application cost estimate '' ). On XX/XX/XXXX, as part of our loan shopping process, we realized XXXX had not sent us a loan estimate, so we requested one over the phone. He told us that he could not give us one for at least 7-10 days because we first had to put in a formal loan application ( which we already had, since we had provided the 6 necessary pieces of info ). He said he could not provide us a loan estimate, but he did send us a rate lock agreement. XXXX told us we could not have more than one mortgage application open at a time, and he told us that it was illegal for another lender to " beat '' another lender 's rate. He discouraged the mortgage shopping process. 

We called the Citizens mortgage broker line to dig deeper and spoke with another loan officer. He told us that they intentionally ( and unethically ) don't ask for the address of the home in the application to avoid triggering XXXX ( a loan officer with another lender actually overheard him saying it because he was on the phone with my wife at the time ). While we didn't provide the address in the application ( because there's no place to ), we did provide it on XX/XX/XXXX along with our home purchase agreement. So, our application on XX/XX/XXXX ( or at least XX/XX/XXXX when we provided the address ) included all necessary info and should have triggered XXXX and entitled us to receive a loan estimate. 

We would like to receive the loan estimate that we are legally entitled to receive, including the terms outlined in the Rate Lock Agreement we were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This collector totally failed to give me notice that the debt was being sold. Before I was given a chance to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2021, I sent out a dispute letter to Transunion in regards to inaccurate reporting on my credit report on the XXXX XXXX credit card account. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Transunion to respond to my dispute letter and I still have not received a response to date.

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 2021-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
Sun West Mortgage Corporation 's licensed broker XXXX XXXX, Tel XXXX XXXX told me on XX/XX/2021 that he would lock in a refinance loan on my home at the rate of 1.75 % 30 yr fixed and would send me a loan estimate for loan # XXXX, and had me sign all the necessary documents, and relying on this estimate, I cancelled other pending offers at the same rate. Then this broker sends out a notary to sign papers where he has added {$10000.00} fees additional to the loan estimate that I relied on to my detriment. I refused to sign the papers, and he stated to me that he would correct the problem, and send out the notary again. As damages, I am demanding the {$10000.00} damages for detrimental reliance ; or alternatively, that the loan estimate be honored, this is a VA XXXX loan which the fees added make it not approvable by the VA for its 36 month recovery test.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This collector totally failed to give me notice that the debt was being sold. Before I was given a chance to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2021, I sent out a dispute letter to Experian in regards to inaccurate reporting on my credit report on both XXXX XXXX credit card accounts. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Experian to respond to my dispute letter and I still have not received a response to date.

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 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Everytime I submit a dispute with Bank of america, they never do anything. My money has been stolen more than once and they never help me. They don't care. 3 times I have had to submit a dispute and every single time my claim has been denied. I have heard about them doing this to other customers and something must be done, its not right. Someone stole my money from the atm and I'm sure it can be proven that I wasn't the one as I woke up in the hospital without my possessions and they still denied my claim. Before someone stole almost XXXX and they denied that claim as well. This is just ridiculous.

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 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Usaa closed my account XX/XX/2021. My account is 99 percent state and federal dependent benefit deposits. They are continually holding my SSA and municipal state benefits even after I sent 3 letters by fax and within the USAA account in inbox. I owe no balance or bills due to them or any other entity. So far over a month and half span, 2 SSA checks, 2 unemployment checks, 2 municipal pensions checks totalling XXXX are being withheld. I havent had any access to ANY OF MY BENEFITS SINCE XX/XX/2021. THEY ARE WELL AWARE THAT THEY ARE SUPPOSE TO SEND THOSE BENEFITS BACK TO THE GOVT AGENCIES BUT HOLD MY DEPENDENT FUNDS AS IF IT WERE LEGALLY DUE SO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I was scammed by a person that claimed themselves as an ICE agent. She was calling about my un-updated alien number. She said that I need to send an " Immigration Bond '' {$1900.00} fund and if my investigation is cleared, the amount of {$1900.00} will be refunded back to me. Even though the transaction is pending, Chase and XXXX refused to help me reverse the transaction. I filed a police report on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: KS

Complaint narrative:
I'm unsure of how to file this because the information in these credit reports seem wildly inaccurate depending on where I try to get credit, which then causes a hit on my credit and makes it even harder to get a loan. 
I went to get a home loan to get out of the situation I'm in and I get lowballed on what my credit is that will either cause me not to get credit, or cost me a ton of money because it shows my credit much worse than it is, which seems like a scam way to make more money from people. 
Each snapshot shows what each company shows and how a couple are wildly different, including XXXX, which is what many go by in their 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 2021-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I had tried to apply for help with our mortgage, when I asked if they had any COVID Relief programs they said no because we were not caught up on our payments and until we were caught up on our payments they did not have any programs to help us. We are a low income family already. XXXX XXXX was laid off and I was the only income holder at the time trying to keep our lights on and our internet going with XXXX Children in School. We had been giving them everything that we had but due to XXXX and a preexisting condition I and to quit in XXXX of this year. Now we are near the end of XXXX and may be foreclosed on and I feel that if they would have had help instead of sorry about your luck hear is a forbearance plan and you need to pay up by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Please open attachment XXXX for narratives for STEPS THREE, FOUR, & FIVE. 
Please open attachment SUPPLEMENTAL_EVIDENCE.pdf for documents that provide evidence to support the narrative. 
Please refer to the Cover Page, Page 01 of the Supplemental_Evidence.pdf to provide titles and page numbers for the supporting evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Today I called Experian trying to resolve some of my accounts to be exact two XXXX XXXX XXXX accounts and XXXX XXXX. I sent my letters on XX/XX/21 and there still isnt an update and I stated in the letters that if they arent completed in 30 to remove them. Today is XX/XX/21 I in fact gave them more than thirty days. I called today to get those 3 accounts off and I spoke with XXXX who was very nicely rude, I couldnt finish a sentence she kept talking over me her customer service sucked. I told her that I was going to report her to the cfpb and asked for her name and she replied XXXX I asked what her last name was and she said she couldnt give it to me so I asked her how would they be able to identify her, is she the only XXXX that works for Experian and she replied yes. I didnt call to argue just wanted to get my file updated. So I asked to speak with a supervisor or someone else. She insured me that I would speak to the supervisor then came back on the line asking did I still want to speak to the supervisor as though I just didnt ask. She then put me on mute for about 15-30. I honestly dont know what happened but I didnt speak to anyone after I got off the phone with her. Im trying to buy a house and this is a very big inconvenience because these things were supposed to be off my credit on the third and now I have to wait for Monday to call and get this situated. I also recorded it because I knew she wasnt trying to help and Im sure you guys have a recording of it as well.

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 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I set a payment plan with XXXX XXXX on an acct I have and they take it amount not a medically eight month out of my checking acct I have tried and tried to contact them about the payments they take out I have called for times XX/XX/30 XXXX XXXX and XXXX I cant reach anyone I have set on hold 20-30 min I have left 3 messages for a return call XX/XX/30 XXXX XXXX and I leave my nAme number ss # and never hear back from anyone I just have questions about my payments I am trying to get a balance and a print out of my payments made for my records I never even received a letter showing my payment plan this is an issue because if they can take my money they should provide me the documentation I am asking for

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 2021-08-07 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:
Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent XXXX XXXX XXXX account. TransUnion is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to TransUnion 's inability to validate the account.

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 2021-08-07 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:
Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent XXXX XXXX XXXX account. XXXX is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.

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 2021-08-07 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: TX

Complaint narrative:
I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.

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 2021-08-07 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Our house payments were supposed to be tacked to the end of the house payments. We have decided to move our grandkids closer to family and sold this house. We included the total amount in the sale. The mortgage company at no time ever told us they were charging further interest on the amount deferred in the amount of {$23000.00}. We knew nothing of this til 15 days til close. How did they have the right to profit from US because of the pandemic? It has left us XXXX short on the house we were moving to and may very well have left us homeless. How do they get to put us in a debt they never told us about so that we could have prepared for this? They owe us nearly {$7000.00} from the equity that they say will take 15 days after close due to Covid. Is this not the same Covid WE are experiencing? Why do the worries and horrors of Covid only allowed to effect them and make them need our money but Covid is supposed to effect US? It seems that this company is taking advantage of this pandemic and the people who trusted them with their business. How does this company see this as legal or moral in this time of pandemic that is even slowing Them down and effecting their entire company. One would expect better customer loyalty from Freedom Mortgage. You would expect More Compassion from Freedom Mortgage during a time like this.

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 2021-08-07 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: RI

Complaint narrative:
I contacted Transunion and told him them about all those hard inquiries that I did not do as well as XXXX  and they couldnt help me so I contacted FTC to see if they could help me this is been very damaging to my credit score and I had nothing to do with his hard inquiries I hope you can please help

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 2021-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is my third complaint with care credit I just made my minimum balance payment on XX/XX/XXXX before that payment I had an available balance of XXXX plus dollars I happened to go on to the account today and now my available balance is {$200.00} I have not been using the card as I'm trying to get my balance back up every month for the past two years they take the majority of my minimum balance payment and put it towards interest now I'm concerned at why my available balance dropped to {$200.00} when I made this payment on XX/XX/XXXX it should have taken my balance well over {$1000.00} at this point I am wanting to close this card out because they are constantly taking my money and putting it towards interest and now they're taking my available balance and putting it towards I don't know what but this is ridiculous at this point again this is my third complaint with this company and I have also filed with 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