vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CO

Complaint narrative:
My lender did not process my loan with reasonable diligence and in good faith. 

1. The lender did honor rate lock of 4.25 %. on loan estimate. Closing disclosure sent to me shows 4.25 %, however at closing APR was 4.5 % 2. Lender paid {$420.00} for Appraisal ; however I was charged {$550.00} at closing. 

3. I pre paid {$690.00} Hazard Insurance for 12 months before closing, however I was charged {$690.00} at closing for 12 months of insurance.

4. I was charged {$250.00} Realtor Transaction Fee at closing. The closing disclosure I was provided before closing does not show this fee. At closing I was required to pay this {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one continuously pulled automatic payments out of my accounts when it was pretty clear that the transactions were being returned simultaneously and they continued to hit my account with charges. Same with the credit cards Ive had with them for years. My payments were always made and I lost my job due to XXXX XXXX and finding another source of gainful employment was impossible due to several businesses being out due to damages. Ive attempted several time withof my auto loan company ( not capital one ) and credit cards I have over these issues and no one has been understanding or really caring for that matter. Now, the credit I worked hard on building is all gone and Ive even tried to call and make arrangements to fix the damages and pay on the accounts .... still nothing. Now, I cant even link my existing accounts to my capital one accounts to be able to have access to my funds and make payments. Im so overwhelmed and I feel like Im never going to get out of this hole!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
My financial situation have not improved, and I am still searching for a full time job without success so far. And, I am struggling to even pay my rent and other basic necessities. As a result of this, I have been negotiating payment plans with my lenders. One of them, namely, CashNetUSA, is being tough with negotiations. I have explained my current dire financial situation with them. And, for the past 2 months I have been begging them to give me an extended payment plan in which I will be paying them {$50.00} per month until my loan is paid off. I also begged them to stop charging additional interest to my balance with them since, so long as they continue charging their high interest to my balance, my proposed monthly {$50.00} payments will never pay off the loan. CashNetUSA refused to consider my request. Meanwhile, my loan with them have continued to accrue interest which they capitalize to my balance, thereby making my balance with them to continue to grow every day. I will be glad if you will assist me in persuading CashNetUSA to consider my request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and Capital One with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WFHM with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/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 non-monetary relief
Consumer complaint received 2018-05-31 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BMW FIN SVC with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: HI

Complaint narrative:
I owed a credit from XXXX. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XX/XX/XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, XXXX XXXX still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually XXXX will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NFCU refuses to grant a loan of any kind to this XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Veteran, especially when this XXXX has qualified on several occasions for a VA Home Loan. NFCU refuses to reimburse all of the current Fraudulent NSF fees applied to this XXXX NCFU account XXXX when this XXXX has a receipt that a deposit was made to cover checks written to this account ; as well as reimburse this XXXX for {$2.00}, XXXX Fraudulently stolen from this XXXX Savings account XX/XX/2017 and put back in this XXXX Account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX Amount : {$1200.00} Name : Genesis Credit Management : Amount : {$2900.00} Original Creditor : XXXX XXXX For the month of XXXX ( XX/XX/XXXX), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My husband and I then paid rent/utilities for XXXX ( XX/XX/XXXX ) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XX/XX/XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from Genesis Credit Management and XXXX XXXX. I have already made attempts to have these collection items removed from my credit report, but I have not been 100 % successful. Although XXXX XXXX no longer shows on my credit reports, it does still show on my husbands. I was able to have Genesis Credit Management removed from my XXXX report, however it is still on my other reports and on my husband 's credit reports. It has now been almost 2 years that I have been disputing this debt with XXXX XXXX and the credit reporting agencies. My husband and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my husband 's job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFFIDAVIT OF STATE MENT. 

All credit bureaus transunion, XXXX XXXX XXXX has allowed nurmous fraudulent activity on my accounts for years and continuing to this day, to deny me an environment to happiness and life due to my nationality of XXXX XXXX I named XXXX XXXX XXXX XXXX, never gave any credit reporting agency jurisdiction over me due to my nationality of citizenship XXXX And demand it all been removed pursuant to my nationality, citatazinship and religious as of this day and preventing matters for the further

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 2018-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Transunion and XXXX XXXX XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2018-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian and XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution.Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I owed a credit from Citibank. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, CBNA/citi bank still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually CBNA will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.

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 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Name : Southwest Credit Amount : {$1200.00} Original Creditor : XXXX XXXX   For the month of XXXX ( XX/XX/XXXX ), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My wife and I then paid rent/utilities for XXXX ( XX/XX/XXXX) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX  we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from XXXX XXXX XXXX and Southwest Credit. It has now almost been 2 full years that I have been disputing this debt with XXXX XXXX. My wife and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
my id was compromised by XXXX XXXX somehacker got my info and opened a paypal card charged XXXX now they come after me. i told them ididnt know about it they wont leave me alone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
I recently lost salary due to a business failure and requested to have a mortgage modification. I requested the modification on XX/XX/XXXX knowing that I would be starting a new job with a higher income in addition to working another part-time job. I submitted the request on XX/XX/XXXX with the offer letter as I had not yet received a pay stub from the new job since I would not be starting until XX/XX/XXXX. Carrington Mortgage then sends by snail mail and letter stating that my application was not complete. This letter was dated as XX/XX/XXXX, however, I did not receive the letter until XX/XX/XXXX and was told that I had until XX/XX/XXXX to upload the documents. Furthermore, the letter incorrectly stated that I had listed rental income on my application and needed to provide proof of income. This is absolutely incorrect. I have rental income but because of past denials due to asking for more and more information each time, I did not list this on the RMA application. I received my first pay stub on XX/XX/XXXX and promptly uploaded this to their website as well as sending an email stating as such. I also explained that it would be impossible for me to have two paystubs since I just started a job. If someone has a loss of income but then gets a better job, how are they then expected to show 30 days of income? This seems counter intuitive and does not help the mortgagee. I have since sent at least 6 emails asking for an update as I want all correspondence in writing. I received one call from a gentleman who I could not understand as he mumbled throughout the entire voicemail. I also received another phone call from a woman who stated she could not leave a detailed voicemail. As of XX/XX/XXXX, I have not received any updates and my online status is still listed as XX/XX/XXXX ( I have the screen shot to prove it ). This is providing unfair and wasted time to me. I have submitted complaints about this company in the past only to be addressed in an arrogant and rude manner as if I am a prisoner. I will also be filing a complaint with my state attorney general this time. Carrington Mortgage is not interested in helping anyone and I do believe they use discriminatory practices in how they assist with modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Beginning in XX/XX/XXXX Chase began FRAUDULENTLY running my credit under the ruse that I applied to XXXX for Credit. I DID NOT AND NEVER HAVE! In addition to me not actually doing so the reasons like " no bank account '' and " XXXX credit score '' were MADE UP as I've had the same bank account for over 20 years and even with the running my credit FRAUDULENTLY for about 10 times my credit score is XXXX or more! They supposedly notified the credit reporting companies of the FRAUDULENT runs and on XX/XX/XXXX sent me a letter acknowledging the FRAUD which I have attached. 

The PROBLEM is that on XX/XX/XXXX received a notice telling me about " their right '' to share my information! I'm filing this complaint because Chase dose NOT have this right as the " applications '' were FRAUDULENT! Common Sense should have told Chase to PURGE my and my information from their system and they are NOT rightfully in possession of it.

Company response to consumer: Closed with non-monetary relief