vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
My husband and I have applied for and been approved for a mortgage to purchase a manufactured home. Our lender is 21st Mortgage. Because I am XXXX, the lender has required that I provide copies of tax returns, profit and loss statements, and complete a form which allows them to request transcripts of the returns from the IRS. They have been able to acquire all of the transcripts of tax returns except for one ( 2018 ). Because of the global COVID-19 pandemic, the IRS is closed and this transcript is not going to be available for the foreseeable future. We were approved for the loan on XX/XX/XXXX and cleared all of the conditions by the first week of XXXX, meaning that documents were submitted. The hold-up has been one transcript from the IRS. 

When it was clear this transcript was going to be unavailable, I reached out to 21st Mortgage and offered my own sales reports as well as reports generated by XXXX which would verify my sales for 2018 and thus support the income I reported on my tax return. They have been unwilling to accept this documentation, saying that they require these transcripts for XXXX persons and can not make an exception. 

However, I spoke with XXXX XXXX, Finance Manager at XXXX  XXXX XXXX ( XXXX, CA ), where we are purchasing our home, and she informed me that the lender had made an exception for another borrower who was also waiting for a transcript, " But they have a credit score of XXXX '' she told me. 

While our credit scores are not high, my husband and I own the lot ( free and clear ) at XXXX XXXX where this home will be placed. We also have {$42000.00} as a down payment which is 35 % of the {$110000.00} total cost of the home. We have demonstrated that we can make the payments of {$890.00} which is {$410.00} LESS than our current monthly rent. 
As I read the Federal Reserve 's Fair Lending Regulations and Statutes, it appears to me that it is not allowable to extend an exception for COVID-19 to one borrower and not to others. The regulations protect consumers against disparate treatment. Furthermore, every American is suffering from the COVID-19 pandemic. If not for that circumstance, this loan would have been completed, and we would be living in our home. Credit score has zero bearing on this matter and to use that to deny us an exception granted to other borrowers is not equatable treatment. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S&N Debt Solutions, LLC
State: CA

Complaint narrative:
There was no box to check for this debt settlement company. Having combined two credit cards my enrolled balance was {$22000.00} to pay off over 36 months back in XX/XX/2019. Usually these companies tell you that you will pay around 50-60 % of the balance. However, after the last card settled, in total I would be paying out {$21000.00} a whopping savings of 1.4 %. Based on their calculator on their website, they show bogus savings amounts. I asked them to lower my next 17 payments but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
See attatched XXXX 1099-C ( Account ( XXXX ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched Equifax Credit Report " VERIFIED '' by XXXX. XXXX FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( XXXX ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. XXXX REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( XXXX ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
See attatched XXXX 1099-C ( Account ( XXXX ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched XXXX  Credit Report " VERIFIED '' by XXXX. XXXX FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( XXXX ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. XXXX REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( XXXX ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I am writing in to submit a complaint on the record that I, XXXX XXXX XXXX, logged into my American Express Account Portal at approximately XXXX PST today, Friday, XXXX, XXXX, 2020, at which point I opened the customer service chat and started copying my chat history for recordkeeping purposes. However, before going and copying my chat log, I sent a preemptive message to the representative that Amex 's syaytem ( for which each automatic action has the possibility of human intervention and constitutes a count of criminal and civil harassment ) automatically connected me to ( despite my previously expressed desire vis -- vis official written and verbal affidavits that they not connect me to these people in the first place ), letting him ( the rep ) know that any messages and/or attempted communications form him and/or other reps would be considered civil and criminal harassment. I repeated this statement ; and, this gentleman continued to engage me, even going as far as sending a passive aggressive message and immediately ending the conversation directly thereafter, so that he could have the last word. This is the type of pettiness that I encounter from Amex 's employees on a daily basis. 

Please see the attached proof, as well as the XXXX documentation verifying my communication limitations and need for special accommodations when I am under increased states of stress, particularly when there is a once-in-a-millenium pandemic occurring and corrupt financial institutions falsely reporting my debt. 
Please keep in minds that : the only reason I currently need these accommodation is because of Amex 's continued legal malfeasance ; and, the reason I can not get them is also due to Amex 's continued legal malfeasance ( and their refusal to listen to the basic facts present in a situation - if a person tells you they dont want to hear from you, especially vis -- vis sworn statements, that means do not message me in any form - this is the legal definition of a cease and desist, and you violated that many times in the past few months, not just today ). This will count as additional intangible compensatory damages, loss of consortium, harassment, and negligence/breach of contract, and I will make attempt to make criminal charges stick wherever they are appropriate. Please also reference the past chat logs that I have recovered and have attached to this complaint. These logs contain many records of these instances of abuse, neglect, refusal to provide reasonable accommodations, and many other acts of malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account was taken over by XXXX XXXX as of XX/XX/XXXX. Capital One no longer owns this debt. As of XX/XX/XXXX this debt was paid in full and per XXXX XXXX, removed off my credit report. However Capital One is still reporting to all 3 credit reporting agencies that I owe on this debt. I need to have this removed ASAP Original letter stating they took over the debt as well as the letter  stating {$0.00} balance is attached below Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NV

Complaint narrative:
In 2013 my father suffered a XXXX  XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with the companys listed in the Attached FTC 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 2020-06-26 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: NV

Complaint narrative:
In 2013 my father suffered a XXXX  XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with the companys listed in the Attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I would like to bring to your attention what I consider to be a totally unjustified fee charged by JP Morgan Chase Bank ( " Chase Bank '' ).  As other banks may do the same, I thought you should be aware of it in case you wish to investigate the matter with Chase Bank or all banks. 

The fee in question is a {$15.00} charge whenever a personal or small business customer receives a wire transfer to his or her account. To me, such a charge makes no sense at all. 

When funds are added to a customers account through a deposit by check, there is both labor and risk involved in crediting the funds to the customers account labor from the banks employees receiving, posting, sorting and processing the check and risk from the failure of the issuing bank to transfer the funds after they have been credited to the customers account. 

When funds are added to a customers account through a payment by wire transfer, there is neither labor nor risk involved in crediting the funds to the customers account no employees are involved in processing the deposit and no lag exists between the crediting and clearance of funds ( that is, no risk of the crediting of funds to be reversed ). 

Yet, Chase Bank charges its personal and small business customers {$15.00} every time a deposit is made by wire transfer into that customers account, even though it involves no risk and no labor. Only if the customer promises to keep at least {$100000.00} in his or her account does the bank then graciously agree to waive the fee, a fee that should never have been charged in the first place. 

To charge a fee to a customer to make a wire transfer is understandable. But to charge a fee to a customer to receive a wire is illegitimate. 

Absent any rational justification for this charge, it appears to be just another way for Chase Bank to enrich itself at the expense of its customers, this time by taking advantage of the economys move away from paper checks and toward electronic payments, a move, I might add, that has been accelerated by the pandemic by virtue of so many more employees now working from home without access to paper checks or the required signatories. 

I ask you to look into this and demand that Chase Bank and any other bank that imposes the same fee either justify the charge or eliminate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've reached out to TransUnion, was informed that inquiries couldn't be disputed and would stay on my profile for 2 years. Requested fraud dept. no help. Advised that I must prov theft report. Dispute mailed to bureau on XX/XX/2020. Would like inaccurate inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
About 3 months ago I opened a secured account with XXXX. After my card was delivered I was unable to use it as I was prompted to pass an IRS tax return review, to which I complied, the process mentioned 5 to 7 business days, about 2 weeks after I was able to use my card and would regularly make my payments. Nevertheless about 2 weeks ago my account was blocked again as Discover claimed that my Tax Returns Gad not been verified. About 3 days ago I was able to log in and make payments, but this morning after trying to settle my balance I notified an irregularity, my account was closed. I received no notification in the mail or electronically and further my secured fund will only be disbursed in 60days. As a consequence my credit score has plunged 50points which to me are VERY crucial as I am in the process of purchasing a house. I am astonished at the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
On Sunday, XX/XX/2020, I received a text alert about a possible fraudulent charge of {$390.00} on my business checking account ( using a debit card ) with Axos Bank. 

I did not recognize the charge ( it was unauthorized ), and I immediately reported it as fraudulent both by text message and over the phone. A block was put on the card. I was told over the phone that I would need to contact Axos Bank separately about the incident and get a replacement for the card. ( However, my card was not lost or stolen. It remains in my possession. ) On Monday, XX/XX/2020, I submitted an ATM/Debit Card Dispute Affidavit to Axos Bank listing all the details about the fraudulent charge. I also called Axos and discussed the issue. They said they would investigate. 

On XX/XX/2020, I was emailed by XXXX XXXX from Axos Bank that the disputed transaction did not post to my account and there were no unauthorized transactions to reverse. However, the unauthorized transaction was still in fact on the account. I called XXXX again, and they confirmed a mistake had been made. I was asked to submit the affidavit a second time. I did so. 

By this time, not only had the original amount been taken out of my account ( {$390.00} ), but I was also assessed an international fee of {$3.00}, since the transaction took place in XXXX. 

On XX/XX/2020, I was emailed by Axos with an update only after I followed up by phone. They confirmed they would begin their investigation immediately to reclaim the money that was lost. 

It is now XX/XX/XXXX, and every time I call Axos to ask about the investigation, no one has any information or update. The situation has to be explained over again from the very start. The funds have still not been returned to my account. I have lost faith in the ability of Axos to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: MA

Complaint narrative:
Since XXXX I have my credit being reported to Equifax from all my creditors, but Equifax refuse to update everyone of them, on XX/XX/XXXX and on XX/XX/XXXX after innumerous calls I decide to use CFPB to se if Equifax would get things write, but still not working, the excuses from Equifax to my requests are ridiculous. After sending copy of the IDS and proof of citizenship Equifax still not report the correct name on my report or updated the information the creditor has being sent. 
On XX/XX/XXXX we asked why the name was not being accepted in the system and Equifax answering saing i'm not a resident in the usa for at least 10 year and have no social security number. 
In attach is copy of my Id 's including SSN and proof from some creditors that i'm a usa resident on the past 42 years, and also copy of the XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have been dealing with XXXX XXXX for several months now on this issue of early termination fee. I originally had a balance of {$360.00} with them in XXXX of which I paid XXXX to in XXXX. On XX/XX/XXXX I made a payment of {$100.00} and again they said that was fine and no we will not send to collections due to the COVID and they were told it should be paid off at the end of the month of XXXX if not sooner since I am working again. They sent my debt to collections even after 2 managers and a fraud specialist reassured me they would not. The day they sent it to collections according to XXXX  was XX/XX/XXXX. The debt reported was XXXX in which that is also false. It is only {$200.00}. Please can you help me with how I should proceed. The company has deceived me entirely on this matter and was less then helpful. When I call the collection company nobody answers. 
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I enrolled in a forebarence in XXXX. My XXXX payment was skipped. Citi still withdrew the monthly payment XX/XX/XXXX despite this. I called them on XX/XX/XXXX and could not reach anyone due to phone issues. I contacted someone via chat. They assured me it would credited in XXXX days. As of XX/XX/XXXX it had not been credited back. I contacted them again and they said they could not refund despite me having it in writing. I am also receiving NSF charges from my bank due to 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 non-monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TX

Complaint narrative:
XXXX sold my debt to AFNI. I asked Afni to pay to delete and they said XXXX would have to. I asked XXXX and got thee ok. Did the payment through AFNI like advised. They will not update credit report. I paid off debt on XX/XX/XXXX in full on XX/XX/2020. I had asked about a pay to delete and asked for it in writing, have not received, i asked then to update the balance on the credit report, and instead of charge off a t least to report it as paid. They have kept it the same with the old balance. I disputed through XXXX  and it still remains as is even though I provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I notice this collection on my credit report. I've never received any notices in the mail nor by phone call. I't does not state for what service or company it's collecting payment from.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XXXX  Credit Report USAA ( Account XXXX ) Date Closed XX/XX/XXXX Sold/Transfered Deliquent ** IS STILL OPEN See attatched USAA Mastercard Statement Account ( XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$100.00}?????? What is going on? AND WHICH ACCOUNT OPENED THE VISA XXXX AUTOMATICALLY WITHOUT MY AUTHORIZATION?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation