vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/2005 purchased home with 20 - 80 loans. Over the years, these mortgage servicers changed from one to another as follows: XXXX XXXX to XXXX XXXX  to XXXX XXXX  to CIT to XXXX  and now XXXX.  In XX/XX/XXXX, $XXXX  (20%) loan was a reduction of principal due to spouse loss of job and HAMP in XX/XX/XXXX.  Currently,on my title search it revealed that the $XXXX  is still showing but is inactive based on XXXX  recording system that CIT Bank NA XXXX, CA is the ID servicer of this loan.  Please see document attached.  Trying to sell this house but cannot close unless the title is cleared up with the $XXXX.  This has cost me damages incurred during the process and now being asked to back back the buyer $XXXX for the title fee, attorney fee, application survey,  etc.,  which I believed is not my responsibility as I placed the house for sale in good faith and did not expect that old records are not updated by the mortgage companies over the years.  Please see MIN: XXXX  is an identical match to the XXXX and the $XXXX agreement, see attached.  Please review my request based on the facts presented and let me know when this could be resolved ASAP.  ThanksBest Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: NJ

Complaint narrative:
Fraudulent account reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: FL

Complaint narrative:
Few months ago I went to purchase a home and this company came up on my credit. I was not aware of this bill but i did recognize the address it was billing from. I contacted the company, they advised me of the charges. They stated it was {$520.00} for damages plus some other additional {$500.00} in " billing and collections ''. Until the day i called them, I had never heard of this bill, i never received this bill or a collection notice for that matter. I explained this to the agent XXXX who is incapable of understanding reasoning. I advised her I will take matters with my financial coaches and will get back to the company. I asked Agent Dont-Know-How-To-Do-Anything for  a copy of these notices. She instead insisted in reading the charges to me and asking for payment again. I decided to let it be and continue the investigation on my own. 2 months after that, just about two weeks ago. I call them again now with my financial assistant on the line. I am fortune enough to get Agent Dont-Know-How-To-Do-Anything. I ask for all the details. Copy of collection notice, address it was sent to, date the bill was made ; and nothing. She can not answer this for me. She refers me to XXXX who=. XXXX answered all these questions. This was a bill after moving out of an apartment for damages. I have yet to see this form but according to him, the move out date, the date of notice, the phone number AND the forwarding address are all not mine. He tells me " well its signed by you '' but never asked for signature verification or any form of verification for that matter. My financial adviser mentioned we had two options : Either try to settle and remove this account or dispute it. I tried to settle this account with XXXX but he insisted in not removing it. I advised him I will not be paying and will be escalating it. I look today at my credit report and they have decided to double the amount listed in the collection from the previous {$520.00} to now {$1000.00} with absolutely no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I need my money out of my daughter account . Because the bank she deal withdidn't give her the money that I tell her to put into your account.  Her light got cut off . I need my money back now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a new truck loan with regions bank in XXXX XXXXXXXX  flAbout XX/XX/2019 I get a call from a bank manager XXXX  who states someone pretending to be me is trying to cash a check against my checking account the police are called the person is arrestedI’m then told I must sign a release form or my account will be frozen and my automatic payments for my truck can’t be processed from that checking account I must appear in person and have the funds transferred to a new account I then ask since I live in Colorado can the balance be applied to my truck loan I’m told no so I have regions send me a new form for auto payments and I think all is well I see the payments going out to them monthlyThen on XX/XX/XXXX I get a letter with my name on it that’s got the wrong mail address on it starting they took out money from my checking account from regions to pay my past due truck payments first I know of any problemI cont my bank in Colorado and I find out regions stop taking payments out in XX/XX/XXXX I call regions and I explain this to 4 different departments with four different reason why payments stop coming from bank of Colorado none where for no funds availableMy credit is ruin as of no from 4 non payments I ask the bank manager in XXXX XXXX  regions bank and to my surprise I find out my account was never frozen so I ask why cant I have my payments taken out of that accountThey are going to get back to me regions has my correct mail address as I get monthly statements from them from my checkingI have received no loan statements in 5 months I don’t know what the big withdraw from my supposed frozen checking account at regions is for or broken down and no one will XXXX  any question as to why this happened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc
State: IL

Complaint narrative:
Mr. XXXX apply for one mortgage, to purchase an condominium at reason rate and discuss over important turn and condition. and provide up front per-cent  down payment agreement with the  Financial Agents and obtain attorney service on exam all aspect of the future purchase agreement, or contract. Mr. XXXX also provide essential information, include   Three personal banking reference, and two credit Union reference, and other personal credit reference plus personal company account reference. After four months period, I check back for an up-date on the mortgage transaction. "unfortunate' the Capital Mortgage Financial agent default on the Real Estate project. Their no real relevant reason for Capital mortgage financial agent not to finance the real estate project. Unless some unknown interfere with the ongoing financial processing of the Financial application. All essential requirement, were on the application and sure co-signer were standard requirement. Those unwanted incident are cause by persons of unknown interfere to discredit legitimate information provide by the applicate and co-signer. In this case obsturcture of service process. apply in this case. and incident of that nature cause more harm then good. These incident were done intentional . Or person of unfnown interfere to made an attempt to used the applicate name fraudulent, cause an default with available funding.  The applicate exercise reasonable care and good faith with each reference provide. The real cause is obsturcture with current information sends were good standard. (C F P B ) Mr. XXXX  is request for certain amount funds send were certain per-cent for down payment send to be return and wire transfer those fund to Mr. XXXX  personal Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
For the past 30 years my husband conslated student loans which we were forced to consolate at 8.3 percent will not be able to refinance and from a loan. We have tried for 20 years to get public service student loan forgiveness and XXXX forgivenss, but the same patters happen things paper gets lost, they never recieved it, or we never qualify for what ever reason a loan of XXXX has now increased to XXXX because instead of sallie maie and navient helping us they pushed us into forebarance which that company capitalized in thier inrest into the amount that is now.  Our salaries will never let us pay that amount off.  We are both XXXX  years old and will never be able to retire. Naviet and sallie mae are crooks that guided us into debt that we will never be able to pay. We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB isXX/XX/XXXX my SS# XXXX please update. i HAVE NEVER LIVED IN XXXX OHIO please delete remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX , XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. Please forward me a copy of my updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB is XX/XX/XXXX my SS# XXXX please update. i HAVE NEVER LIVED IN XXXX  OHIO please delete remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, 1XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. Please forward me a copy of my updated 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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I applied to Home Depot for a credit card to finance wall to wall carpeting.  This credit card offers interest free financing and $XXXX credit toward the purchase.  I already paid the measuring fee of $XXXX.     Before the purchase was complete I was advised that I had been declined for the credit card.  No reason for the denial was given.  I later received a letter from Home Depot Credit Services citing the reason for denial as “History of delinquent credit obligations”. I was referred to XXXX  for information on which Home Depot relied for this denial. I did not receive any adverse action notices.     I reviewed the credit report from XXXX and my record is absolutely clean.  All accounts I have open are in good standing with no delinquencies reported.  Four years ago I was forced to file bankruptcy, and even then I paid my credit cards up to the filing date so there were no delinquencies.  I have worked hard to re-establish my credit and now have a Good credit rating.        Under ECOA, it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of credit.  I am a female senior citizen with a veteran spouse.  Denying credit for a blatantly false reason is unlawful and discriminatory.  There was no reason for this denial and Home Depot’s callus disregard for the facts of my credit has now gained me a credit inquiry to damage my credit further.  To deny me credit was reckless and a willful disregard for the truth. It was unwarranted and their decision should be reversed.  In their response I ask that they file only a truthful statement and that they refrain from adding any additional requirements or reasons for the credit denial.     And finally, I respectfully request they stop the Robocalls to my home everyday telling me to complete my carpeting purpose.  This is completely negligent on their part in not maintaining a check and balance against purchase/credit transactions.     This case has been referred to CFPB because they stop unfair, deceptive and/or fraudulent business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a promotional offer from Bank of America in the mail. This offer promised $XXXX after satisfying the following conditions:1. Open a new Bank of America Advantage Banking account by XX/XX/2019 using the unique offer code (XXXX)2. Within 90 days of account opening, set up and receive qualifying direct deposits totaling $XXXX  or more into your new personal checking account.3. Once completed, the $XXXX  bonus will be deposited into my account within 60 days.I opened the checking account online on XX/XX/2019 using the unique offer code during the process. I had a direct deposit of $XXXX from my work payroll hit the account on XX/XX/2019, which is well within the 90-day time frame.I expected the bonus to post within a few weeks after XX/XX/2019, but it did not post. I contacted Bank of America support via XXXX on XX/XX/2019. I spoke with XXXX, who informed me the bonus should post but to wait the full 60-days after the qualifying direct deposit.Over the next few weeks, the bonus still did not post. I contacted Bank of America support via XXXX   again on XX/XX/2019. I spoke with XXXX, who verified with the Promotions Team that I was in fact targeted for the promotion and that a $XXXX qualifying direct deposit did post to my account on XX/XX/2019, which was within the 90-day window. He notified me that my concern would be forwarded to the Promotion Team and I should expect to hear back from them within approximately one month and that I would likely receive a check in the mail for the $XXXX.I received no further communication from Bank of America and never received a check in the mail. I again contacted Bank of America support via XXXX on XX/XX/2019. I spoke with XXXX, who was unable to give me a reasonable answer as to why the process was taking so long and why I had not received the bonus. He asked me to wait a bit longer for the Promotions Team to investigate the issue.I am not satisfied with support received thus far. The bonus should have posted a long time ago. The process does not need to be so complicated and require so much of my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I got a credit card offer in my mail from Capital One last year XX/XX/XXXX in the month of XX/XX/XXXX. It was interesting to me because one-time bonus miles of XX/XX/XXXX, when I applied to the card, I got a statement online saying you are not qualifying for this offer, even though I received the offer in the mail. They pulled my credit report, my report went down because of that and I never received that offer.Now, XX/XX/XXXX, I received another mail from Capital one with some offer details and a letter with my name - personalized to me - and even stating - This offer expires XX/XX/XXXX, so apply now!. I reapplied thinking that they may have now more information about me, then I got the same message after applying stating, we can't approve your card. Why capital one deceive me by sending this type of marketing to my house, to my name, my address, if I am not qualified!. They again have taken points from my credit score because I applied, and now my credit score went down because of them and a non card approved - neither a offer promised - they said that I qualified in the letter!. They are hurting my credit score once again. Capital one is not a serious financial institution by doing this stuff, they need to be scrutinized by the CFPB in all their ads and marketing that deceive people like me and hurt credit scores of good American citizens!. The marketing add is XX/XX/XXXX - in which part of the letter that I received states that I may or may not be qualified - the offer is personalized to me!!! it is totally deceived!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Locked in four separate mortgages with XXXX XXXX  of Citibank this past Saturday XX/XX/19. For my primary residence I was quoted 2.75% on a 20 year fixed mortgage with no points assuming a conventional loan and a 60% LTV. This rate was also confirmed with XXXX XXXX  in her department the day before. Later in the day on SaturdayXX/XX/19 XXXX  sent me an email telling me that my rate had changed to 3.00%. I asked her for the reason behind this and she said that my credit score came out lower than she expected. My credit scores ranged between 766 and 810. Speaking with another Citibank representative I was told that this is still considered "excellent credit" and would not affect the rate. Her manager XXXX XXXX spoke to this other manager and determined that XXXX  had lied and the reason for the lower score was that the LTV was higher than 60%. I asked Citibank to correct the loan based on what I was quoted with the rate and terms with this information and was told that they wanted me to pay another quarter point. It seems as if Citibank did not lock in my rate on Saturday correctly. Additionally, I have asked the manager multiple times to call me back and he consistently has failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I submitted for a short sale with my Realtor. Fay Servicing first put me through a modification review and  then a short sale review.   We have had a full file in short sale review for 60 days. All documents are in.   The Realtor has been calling weekly for Fay Servicing Short Sale Representative to follow up, but they have not.  Fay Serving is waiting for their tile report.  It has been over a month and they have done nothing. My complaint is that fact I came home today and have a foreclosure sale date taped to my front door.  From my understating under the California Homeowner Bill of Rights that is illegal and predatory lending. We have confirmed today with Fay Servicing they have all docs they need and it is in “short sale review”.   But nobody is communicating with my Realtor for the short sale.  Fay Servicing has literally done nothing except back door me with an illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have called the company and asked when the bills are sent out, they state they send them down “to get mailed out” on the XX/XX/XXXX and the bill is due on the XX/XX/XXXXthe following month. This doesnt pass through my mail station u till the XX/XX/XXXX or XX/XX/XXXX. Mind you they know it takes “7-14” days for it to be delivered to a clients house. They say they allow 24 days for the payment cycle, yet in reality i only have about from  the XX/XX/XXXX to the XX/XX/XXXX of the following month which is roughly a total of 17 days. I put the payment in the say i put the mailbox in the mailbox on the XX/XX/XXXX and they dont receive it before the XX/XX/XXXX they are claiming it as a late and charging me $XXXX plus interest. According to the credit card act i have looked up on line they must give you a minimum of 21 days to pay the bill. All my mail gets scanned at the local post office before it reaches my door so i have at least 2 pictures to prove that the bill doesnt reach my house until those dates and it seams like they are aware of this and it may be happening to other

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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