vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I originally submitted a complaint with the CFPB and the mortgage company responded. 
Freedom Mortgage took over 5 months to close my STREAMLINE refinance ; that complaint has been addressed. However, now after closing my loan with them I am still experiencing issues as follows ; The company did finally close my loan on XX/XX/1920 but did not transfer my existing escrow account to the new loan in the amount of {$3300.00}. Instead, they told me that it would be refunded to me and they charged a year of taxes and two months of escrow on the settlement statement. In addition, they did not deduct my last payment from the payoff either which was {$1500.00}. Therefore, my loan amount was increased on the new Streamline loan from the original amount quoted making the difference in my new payment of the streamline mortgage negligible. ..hardly worth the frustration of the FIVE months they took to complete the refinance. NOW, no matter how many times I have called in to their escalation department and email XXXX XXXX XXXX, regional loan supervisor with copies to XXXX XXXX loan supervisor, AND XXXX XXXX XXXX the address has not been corrected to my mailing address. The settlement check was sent to the property address instead of the mailing address IN ADDITION, I have not received the refund from my escrows or the XXXX payment which was not deducted from the payoff. I was advised by the escalation department in one of my four calls that the unused escrow amount totaled {$3300.00} and the XXXX payment was {$1500.00}. Today I called in again and before the transfer was dropped to the escalation department, the Freedom agent told me that the escrow check would NOT be received because it was applied to the new loan. That is NOT legal and it was not applied at settlement. Lenders can not close a loan and then collect AGAIN for escrows which will now exceed the aggregate adjustment on the settlement statement. I continue to email Freedom management they pass it off to the escalation department and nothing is correctly accomplished. Finally, on their site I was able to see that they charged me a fee in the amount of {$80.00} on XX/XX/20 ; I was not advised of this fee and do not know why it is posting. The customer service agent on the call today XX/XX/20 could not explain the fee. 
I need immediate help in this matter in order to obtain my a. escrow balance b. previous mortgage payment that was not deducted from the payoff. 
c. explanation and or recovery of the {$80.00} fee dated XXXX XXXX and finally a form so that I can set up ACH DEBITS for mortgage payments which is impossible to locate on their website. 
PLEASE HELP WITH THIS MATTER.

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a very large number of unauthorized charges stolen off my card Aprox XXXX I contacted Bank of America in regards to this, they quickly disputed the items and retuned a good portion of the stolen funds to my card, canceled my B of A debit card and issued me a new one. I was then instructed to call back as some of the charges were still pending ( {$270.00} ) and they couldnt do anything about those until they cleared. Ive been calling them for over 2 months now waiting on hold for an hour or more. They tell me theyve disputed the items and I wait patiently and nothing happens so I keep calling still nothing happens. Today XXXX I waited on hold for an hour and 45 minutes with no answer. Are you able to help me get the money back from B of A that was stolen from me? It seems B of A is unwilling to return my funds.

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 2020-10-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was recently retaliated against by Experian Credit Bureau regarding my submittal of 2 CFPB Complaints on XXXX XXXX NOTED AS FOLLOWS : 1. XXXX 2. XXXX 3. XXXX However, on XX/XX/XXXX, I received an update that my from FICO Membership that my score was negatively impacted by 16 points from an XXXX XXXX XXXX XXXX account that had already been sitting on my Experian report for the last 3 years which had not been utilized in any capacity and they decided to report it as a high balance after it had been sitting on my report for 3years. This is Blatant Defamation and Retaliation against me as a XXXX XXXX American XXXX  and U.S.  Veteran because I opened the complaints listed above because they did not act on the Proof of Documentation and information I provided to them regarding a SETTLED Account with XXXX XXXX. Instead, they stated the information was accurate with out even reviewing the Documentation which I sent in the mail. 

As a result, when I opened the CFPB Complaints, I was informed that my Experian Credit Score had dropped from XXXX to XXXX in a matter of 7 days! Experian needs to be investigated by CFPB, SEC, and FBI for manipulating Consumer Scores as a result of demeaning and retaliatory acts of Discrimination against XXXX XXXX- American. This is also a form of Suppressive and Oppressive Systemic XXXX Acts exuded by Experian as well. 

I am requesting that my Scores be restored to XXXX which is prior to the XXXX XXXX XXXX which is still not resolved. 

This is also another form of systemic XXXX  and oppression towards XXXX XXXX-Americans in the United States and should not be tolerated by an Corporate Entity. It is against the law to oppress U.S. Citizens and further treat XXXX XXXX-Americans as if we are in XXXX  with the Oppressing Economic tactics exuded by various Credit Entities and Corporations in the U.S. in a sole effort to restrict Access to Capital because of the blatant, discriminatory, and retaliatory tactics.

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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OR

Complaint narrative:
I deposited a check using app and received notice that my funds would be available the next day so I schedule a payment for the next day. When I checked the status of my deposit the next day the check was hit with an 8 day additional hold. My scheduled payment went through and put my account in the negative. 
I reviewed my account on the latest scheduled day and without any explanation the money was still not available. The manager of the branch and the corporate help line have offered no explanation as to why my funds are still unavailable or when they will clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: LA

Complaint narrative:
For the past two months, I have been trying to get a total of 7 hard inquiries removed from my credit report that I did not authorize. The inquiries and unauthorized dates are listed as follows : XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX, XXXXl ( XX/XX/XXXX XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. I sent several dispute letters and I even contacted them several times as well to verify these inquiries and the information comes back verified. I contacted Equifax again and they prompted me to call EACH creditor to retrieve a " Letter of Deletion ''. When I contacted each creditor and requested a letter of deletion, EACH creditor informed me that there is no record of " XXXX XXXX XXXX '' in their system. Therefore, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I contacted the bureau again to seek further assistance in these inquiry deletions and no one seemed to help me resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and I've went over and beyond to get this matter handled. I feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 I ordered a pool bundle from XXXX. The total for this order was {$1900.00} which was charged to my citi MasterCard credit card. I received two out of eight items sometime in XXXX. I continued to wait for the rest of my order to be shipped. Back in XXXX, I noticed a refund for {$190.00} from the merchant so I reached out to them to see why I was being partially refunded, they said that they were out of one of the remaining six items of my pool bundle which was when I decided that I no longer wanted this merchandise. I requested a cancellation for the first time on XX/XX/2020. Then again on XX/XX/2020. The merchant did not provide me with a solution so I decided to open a dispute for the remaining {$1700.00} with Citi. On XX/XX/2020 XXXX finally sent me return labels for the two items I had received. They claim they sent return labels on XX/XX/2020 that I never received ( I checked my emails and junk mail numerous times ). I never received a cancellation confirmation, but I never received those 6 other items. XXXX XXXX XXXX wont return my money or find a fair solution. I sent back the two items I did receive XX/XX/2020 via XXXX, I will include the proof of delivery for those two items.

I never received the other 6 items. Since they only refunded me {$190.00} out of a total transaction of {$1900.00} I am still disputing the {$1700.00} that they never refunded. I am not paying {$1700.00} for items I never received. 

On XX/XX/2020, citi resolved the dispute in favor of the merchant. I appealed this decision because I didnt receive the goods. I faxed over the proof of delivery for the two items I returned. Today XX/XX/2020, they again resolved it in favor of the merchant. How is this fair? How am I expected to pay {$1700.00} for items I never received? Please do not open a credit card with this company, they do not care if their customers are being taken advantage of by fraudulent companies.

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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jenkins, Wagnon & Young, P.C.
State: TX

Complaint narrative:
Jenkins Law firm acting on behalf of XXXX XXXX XXXX levied our bank account on the premise that I process server attempted to serve my spouse but he refused. The issue my husband was not at the location in which the alleged refusal occurred. It is impossible for him to be home at XXXX and he does not get of work until XXXX. With traffic he would not have been home at that time. If we had the opportunity to dispute or make arrangements we would have done so but the opportunity was taken from us. This appears to be a deceptive way for the law firm to collect. Now the law firm is saying they did not hire the process server that is between us XXXX and XXXX XXXX  and XXXX is stating it is the law firm that hired the process server. No one wants to be accountable for the mistake so that we can take care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It is XX/XX/XXXX and I haven't received a pair of shoes I ordered on XX/XX/20. Chase refuses to redispute the charge. 

Order Date : XX/XX/20 Order Amount : {$210.00} I ordered shoes with my Chase Sapphire Reserve on XX/XX/20 from XXXX XXXX. A month later, I never received shipping information, so I reached out to XXXX XXXX. They said they would ship them in XXXX. I asked to cancel the order, and XXXX XXXX said no, so I asked Chase to reverse the charge. 

Chase reversed the charge, but then undid the reversal. I then decided to wait until XXXX to get the shoes. 

The shoes were supposed to ship on XX/XX/XXXX. I reached out to the company a few days after this, and they said they were delayed. I reached out a 2nd time, and they stopped responding. XXXX XXXX refused to cancel my order and stopped responding. 

I called Chase and asked to re-dispute the charge, and they said I should send an email to their redispute requests email address. I did this on XX/XX/20, and weeks later ( on XX/XX/20 ) I was told that my dispute was declined. I called Chase again, and they told me to send another email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
report shows disputes resolved noting accounts closed through bankruptcy and never late yet report not updated with disputes results Status= never 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 2020-10-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Mail was delivered to my home on XX/XX/20, stating a debt collection attempt for The XXXX XXXX from Jefferson Capital The debt was for XXXX, I called The XXXX XXXX and was told there was no account or record of enrollment information with the school in my name. I found The XXXX XXXX website online to call them, and then called Jefferson Capital, the same day, ( XXXX ) to inform them that I never attended The XXXX XXXX or had any accounts or enrollment with them, and verified that fact by calling The XXXX XXXX and speaking to one of the employees there. 

l have received a second letter from Jefferson Capital on XX/XX/20, requesting for me to complete a ID Theft Affirmation document requesting my Personal Identifiable Information in a dispute statement document or forward a copy of my dispute to them. I have now filed a complaint with the CFPB to to have Jefferson contact The XXXX XXXX and cease their collection attempts against m XXXX XXXX, and prior to Jefferson Capital 's mail on XX/XX/20 never spoken to these companies. I had informed Jefferson Capital of my intent to file a complaint with the FTC. And this would be that complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was looking on my credit report and found out there was some inaccurate information regarding my Capital One credit card history for XXXX through XXXX of 2020. I sent them multiply letters regarding this issue but they still haven't removed this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SAMC Honebee TRS, LLC
State: LA

Complaint narrative:
My complaint evolves around a mortgage my sister and brother in law applied for via a company called GMFS. I was asked by my sister to gift them {$17000.00}. I agreed to the gift and signed the gift acknowledgement. I had my bank wire the money as I was instructed. Later, the mortgage company asked to see my bank statement. I provided them the first page which clearly shows my name, address, balance amount and the last 4 of my account number. All corresponds with the wired funds the title company already received. I am being asked to provide the additional 3 pages of my bank statement or else my sister and her husband won't be able to close their mortgage. My complaint is where does my right to privacy come into play. I don't want to show this mortgage company my transactions. It is none of their business. I am not applying for a mortgage nor am I signing as a guarantor for this mortgage. I am just the person who is gifting the money. I have a right to privacy. I have nothing to hide and I certainly didn't borrow this money on their behalf. I am just filing a complaint because I have a right to privacy for a loan in which I am not applying for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
For the past two months, I have been trying to get a total of 8 hard inquiries removed from my credit report that I did not authorize. The inquiries and unauthorized dates are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX XXXX. I sent several dispute letters and I even contacted them several times as well to verify these inquiries and the information comes back verified. I contacted Transunion again and they prompted me to call EACH creditor to retrieve a " Letter of Deletion ''. When I contacted each creditor and requested a letter of deletion, EACH creditor informed me that there is no record of " XXXX XXXX XXXX '' in their system. Therefore, I sent Transunion another letter to verify their method of verification and requested specific details to ensure verification and Transunion failed to do so ; these inquiries again came back as verified. I contacted the bureau again to seek further assistance in these inquiry deletions and no one seemed to help me resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and I've went over and beyond to get this matter handled. I feel devalued as a consumer and customer of Transunion. At the time of these inquiries, I was in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.

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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
Mr. Cooper provided contradicting answers and provides poor service. I got off the phone today feeling like I don't matter to them as a customer, and I hope I never have to call them again in my lifetime. 

My bankruptcy will be discharged within two months, so I was trying to find out what my options are on refinancing my loan after the discharge. I called last Friday, and I was transferred to a " loan professional '' who said he would have to have someone call me back on Monday. Now it's late in the day on Monday, so I called Mr. Cooper again since no one called me. 

The individual to whom I spoke was rude and very dismissive. She said no one would call me back if I have an active bankruptcy. She practically laughed at me. My question is not silly : Can I refinance once the bankruptcy is discharged? I have made all of my payments in the plan, and I have been a good customer. I certainly never wanted to file bankruptcy, but those are the cards life dealt to me. Some understanding and respect would be nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am sending this complaint because I need to express that I am a victim of UNFAIR BUSSINESS PRACTICES that BBVA is committing against my consumer rights. They are reporting a late payment on XX/XX/XXXX. This is happening only in one credit bureau. This means that they are reporting inconsistencies across bureaus. 

I want to explain the reason of this late payment. My income was affected due to Covid-19. They said theyd remove and then they gave me run around. This situation has been very difficult for me and my family. My credit score and mental health has been highly affected because of this issue. 

I am requesting this late payment or the entire account to be removed from my report as a compensation for all the damages to my credit score and the emotional stress that I have been through. 

The account information is the following : account number : XXXX, opened on XX/XX/XXXX, credit limit : {$700.00}. 

Thank you.

Company response to consumer: Closed with explanation