vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Filo Mortgage, L.L.C.
State: WA

Complaint narrative:
I applied for a 30 year conventional loan with Filo Mortgage. I was approved after signing all the documents and giving them all what they demanded. 

As part of the application, I asked for and was given a rate lock form, which both ( loan officer ( XXXX ) and I both signed ). This is a XXXX XXXX XXXX  mortgage interest rate lock agreement form. I locked in the rate XXXX with the option to float down for free if the rates drop. This was essential to the whole process. We signed the rate lock form on XX/XX/2022 My closing date for the loan is on XX/XX/2022. On XX/XX/2022, XXXX  asked me to call him in the morning which I did. He told me he " forgot '' to lock in the interest rate even though we signed an agreement form to this effect. He felt bad about it and offered to send me a personal check each month for the difference in what the closing rate will be when compared to the XXXX that we locked in. 

I asked him to provide this in writing but he said he couldn't since this was a personal thing he was doing to make up for his mistake. At the same time, he told me I could pay for points to get to the XXXX. I then asked him to instead make that payment to get me to the XXXX since there's no guarantee he will continue to send that personal check after we close the loan. If he wins the lottery after we close the loan, leaves Filo Mortgage LLC and decides not to send me a check, there's nothing I can do about it. He also offered to enroll me in a Filo program which will pay for all fees for me to refinance when the rates go down. He called it Filo forever or so. 

The lender doesn't trust me when I applied for the loan. They had to get a credit report on me, plus reach out to my HR to verify my pay and a whole lot of checks. Yet, XXXX wanted me to believe he will send me a monthly check to cover the difference without any contract to this effect. It might be genuine but without legal backing, it's unenforceable. 

I've reached out the Loan processing officer ( XXXX XXXX, via email and a phone call ), to the CEO of Filo Mortgage via XXXX XXXX. I haven't heard back from them. 

I let my realtor know what is going on. Apparently the seller or my realtor had reached out to XXXX to make sure all was good to close on XX/XX/2022 to which he said it was. To get this sudden surprise on XX/XX/2022 wasn't good. It's almost as if the plan was never to honor the rate lock agreement. I stand to loose my earnest money and all if this process fails. 

I will appreciate it if CFPB can reach out to Filo Mortgage to right this wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express has discriminated against i the consumer on XX/XX/2022. This is a violation under tittle 15 chapter 41 pursuant to ( The Equal Credit Opportunity Act ) It shal be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - 15 USC 1691a ( 3 ) - because the applicant has in good faith exercised any right under this chapter. 

Under tittle 15 chapter 41 congress lets me know that credit is a right. 
( Truth in Lending ACT ) 15 USC 1602f - The term credit means the RIGHT GRANTED by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

15 USC 1681M -adverse action letter American Express has violated my consumer rights 1 ) 15 usc 1642 2 ) 15 usc 1681M 3 ) 12 CFR 1002 Both letters dated on XXXX XXXX and XXXX XXXX Is both proof and evidence that I have been discriminated against, you are also criminally liable American Express should resort to reasonable procedures to rectify this unfair and compensate me for the use of my Social Security number. Otherwise, this would be considered an unauthorized use since I have received no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Comerica
State: OH

Complaint narrative:
I have been trying to pay off the Mortgage in Full since the beginning of this year. I was given a loan pay off balance & quote thru the mail in XXXX. This included directions to pay to Comerica Bank with Routing+Account #. ( XXXXXXXX XXXX  ) I first sent a wire from my bank to XXXX bank & it was returned. The bank said the account dont exist. ( XXXX ) Wire payment was suspended in XXXX. ( XXXX ) I filed a complaint to address this problem. I was again given the same bank information. In XXXX my bank said that the Comerica Account was CLOSED. I called Comerica bank ( XXXX ) and they also said that the account given was CLOSED. 

I called XXXX Wednesday XX/XX/2022 at around XXXX EST to check the bank account information. A XXXX Rep lady center agent who didnt give her name was very rude about the situation, she said the following : 1. No payoff quote was given, because my email address XXXX was rejected. This is untrue because I got a copy thru email & postal mail 2. Claimed we owe {$200.00} extra because the loan is in default, which shouldn't matter considering we was trying since the begging of XXXX to pay off the mortgage. 
3. Refused to give a new quote & confirm the bank account info I was given by saying " we never had this problem before '' 4. Hung up while trying to fix " online logging account '' issues. For some reason XXXX has a online account for XXXX XXXX yet we never created an account & cant get access to this online account. 

I tried to pay XXXX in full but their Comerica Bank Acct is closed. They are charging excess fees & interest because of this. 

XXXX was the original lending company and the current lien holder listed for the property. XXXX XXXX XXXX is stating they are not the correct current company with this property for the mortgage. I am needing to know where to send my payments and who currently actually is the lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
So I talked to several reps at XXXX, Transunion, XXXX Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-09-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
So I talked to several reps at XXXX, XXXX, Equifax Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: GA

Complaint narrative:
These accounts are found to be inaccurate and can not be verified. See attachment. 

XXXX  acct # XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have tried to close my account at Capital One for a long time, but they are not receptive and keep transferring me between different offices and never end up doing anything. I would have liked to change my name at the bank since my name has legally changed since I opened the account, but that is also impossible. I want to close the account now permanently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
On XX/XX/2022, payment was made to MidFirst Bank, regarding Account XXXX, held on the books of Midfirst Bank, by way of Registered Mail # XXXX XXXXXXXX XXXX XXXX XXXX, in an effort to satisfy the the Obligation. 

Pursuant to the uniform Commercial Code ( UCC 8-505 ), with MidFirst being a Securities intermediary, they are obligated to the Entitlement Holder for a payment or distribution made by me being the issuer of the Financial Asset. 

It is the duty of Midfirst to settle the obligations and provide notice to the Secured Party. Payment has been made via a Negotiable Instrument for the full satisfaction of the alleged debt. Please UCC 3-104. 

I need this Company investigated to get to the bottom of this matter. They have received payment and yet the account is reflecting a balance due and this account is being erroneously reported on the account credit report. This action meets the element of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXXXXXX thank you

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 2022-09-16 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
As of XX/XX/2021 Credit Acceptance was named an entity in my finalized divorce decree as solely the responsibility of my ex husband. After the divorce decree was provided to both him and I we both informed the company of this. After 12 months the company has updated the account on my credit report as active, open and 120 days past due. This should not be on MY REPORT! This became solely his debt. I even provided the company and all 3 credit bureaus with the decree supporting this statement and nothing has been done. The bureaus just report back as verified with no explanation. In accordance with the Fair Credit Reporting Act XXXX   Credit Acceptance Corporation, has violated my rights.. 15 U.S.C 1681 section 602 A states I have the right to privacy and any consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I would like to file a complaint against the Citi Bank regarding my Citi Premier Credit Card. 
- In XX/XX/2022, I used my credit card to buy an international flight ticket online. My transaction was declined. I missed the chance to buy that ticket and had to use another bank 's credit card to buy a more expensive ticket. 
- In XX/XX/2022, I called Citi Bank 's customer service to request unlocking my credit card. 
* They asked me to provide my phone number to verify, I did. They could not verify it ( although it was the phone number I was calling them ) * They asked me to provide another phone number to verify, I did provide my husband 's number. They could not verify although my husband phone was still on. 
* They asked me to provide another phone number such as one of my relatives or friends. I could not because no reason to bother. 
* I asked them if they could use my registered email ID to verify. They said they could not use email. 
* They said that they would mail me a code to call them again to unlock my card. 
- In XX/XX/2022, I paid off my balance of {$1400.00}. The transaction was processed. 
- In XX/XX/2022, I called them again to let them know that I had not received any mails for the Code and requested them to unlock my card. 
*They asked me if I had a mailbox. Of course I did *They asked me if I checked my mailbox time by time. Of course I checked it everyday. 
*They told me that they would mail another letter and asked me to wait for another 5-7 business days. 
*I asked them to expedite the mail ; They said that regular mail was the only option. 

I understand that they may use models to detect potential frauds and the models may have false positives. However, it was unbelievable that it took so long and complicated for them to solve just such a simple issue to serve customers. They offered customers bonus points if spending at least {$4000.00} in the first 3 months, but locked the card for 2-3 weeks for their models ' false positive.

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 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My student loans where included in my XXXX XXXX XXXX in XX/XX/XXXX and were discharged in XXXX of XXXX but i am still being contacted to pay. i have made one payment but i should not be paying if these are discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: NC

Complaint narrative:
Name : XXXX XXXX XXXX : Procollect, INC./ University XXXX XXXX : XX/XX/2019 but paid off XXXX Amount : {$1600.00} Actions : They set the status as paid but it continues to be open and not closed 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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I received two letters of denial from Wells Fargo. Included are these two pictures. 

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and two denial from Wells Fargo stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXXWells Fargo consumer ID XXXX, Dispute case ID XXXX and XXXX. Wells and XXXX  is blatantly punishing a victim of identity theft. Wells and XXXX  has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. Wells and XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. Wells has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. Wells and XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. Wells Fargo bank and XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. Wells and XXXX  now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if Wells Fargo and XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. Included is have I been pwned data on security breaches that further confirm identity theft from old emails. Legal : I have the right to amend this statement.

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 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: DC

Complaint narrative:
WESTLAKE FINANCIAL SERVICES is attempting to collect a debt without a contractual obligation binding I the consumer and WESTLAKE FINANCIAL SERVICES. WESTLAKE FINANCIAL SERVICES ARE THREATENING TO UNLAWFULLY REPOSSESE MY AUTOMOBILE ILLIGALLY ON XX/XX/2022, if I don't pay this ALLEGED DEBT, without responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail and it was delivered and received XX/XX/2022. Pursuant to title 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. WESTLAKE FINANCIAL SERVICES is attempting to collect a debt in the amount of {$480.00}, there is NO CONTRACTUAL AGREEMENT between XXXX XXXX XXXX and WESTLAKE FINANCIAL SERVICES for them to lawfully reposes my automobile, there for WESTLAKE FINANCIAL SERVICES is in VIOLATION of 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES. I DEMAND WESTLAKE FINANCIAL SERVICES CEASE COLLECTIONS, {$0.00} OUT ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION.

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
this Tuesday CHIME bank froze my account. I didn't know it, and deposited cash into my account, which they happily took, but will not let me access my funds or my account. I sent him documents they requested, and here it is Friday and nothing still. customer service is HORRIBLE. no reply to emails, no explanations, no nothing. it's like theft. I've done nothing illegal with my account, so they have no right stealing my funds. I want access to my hard earned funds now

Company response to consumer: Closed with explanation