vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: U.S. BANCORP
State: MN

Complaint narrative:
I had purchased a XXXX from XXXX in to be shipped to my house. My card was charged the {$430.00} on XX/XX/XXXX. As of XXXX the company had still not gotten the item to me in working order. It was delivered broken I tried to initiate a return on 4 occasions and each time the return was cancelled and no one picked up the item each time I was given multiple and conflicting stories about what actually happened. I finally voiced my concern that they were only delaying the process to get beyond a return window to deny the return. I informed them I would contact my bank US bank and card to dispute the charges. I completed the process and XXXX sent them false information about never having received a return. on or about XX/XX/2021 I was called and told the reversal of charges was going to be reversed and that XXXX said I could return the item. I asked for documentation of that and US bank sent me a copy of a fax that stated something to that affect. I then tried to initiate a return again with XXXX which as I predicted was denied because it was beyond the due date. US bank is no longer Returning my calls or emails. I sent them Screen shots from my computer documenting everything I said. I followed all the steps to dispute a charge and I am left without my money and without a tv. I was basically robbed by XXXX with the assistance of US Bank.

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank lowered the credit on my XXXX XXXX XXXX card out of the blue. There have been no late payments or any issues ; I have been trying to pay the bill down. At XXXX XXXX on Thursday night XXXX XXXX @ XXXX XXXX, I get a credit monitoring report that my credit had been lowered on this card around about {$1200.00}. This bank is notorious for doing this with its good customers. 
This isn't the only thing ; about XXXX XXXX year ago, they just closed my XXXX credit card the same way and without any notice. Around the same time, they lowered credit on my XXXX card by {$1500.00} and they did my XXXX card the same way. 

This company is wreaking havoc on customer 's credit report and likewise mine. If they did want people to have a card, they should not have approved one rather than to do this.

I have had it with this bank doing this. I am going to see if there are other customers doing a class action suit because of this ; if so I want to jump in on it. If not, I may just sue them myself. This is ridiculous and this company should be fined or something for 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 explanation
Consumer complaint received 2021-03-01 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: AL

Complaint narrative:
I have disputed this account and it has not been corrected. The account with XXXX XXXX is still reporting wrong on my credit report. The account is closed. The account has been closed since XX/XX/2019 However, the account payment status is 60 days late. The account payment status CAN NOT be 60 days late on an account that has been closed for a year and a half. The account status is wrong. The account status should be closed. It clearly states closed in the comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
On Monday, XX/XX/2021, XXXX XXXX of XXXX XXXX, XXXX provided me with a pre-approval of an investment property at 20 % down payment / 80 % loan of purchase price. Throughout the process, we have asked XXXX whether 20 % down is viable given we heard from friends that investment properties now require 25 % down, and he has promised multiple times that it was within guidelines. 

On XX/XX/2021, after having our offer accepted, I had done my own research to verify the information that XXXX had communicated to ensure my mortgage is within guidelines. To my horror, after just minutes of reading XXXX searches, I discovered that Fannie Mae and Freddie Mac guidelines specifically ask for 25 % down for investment properties. I believe it was raised from 20 % due to COVID and increased risks. I then immediately call the branch manager, XXXX XXXX to discuss whether my case is valid. He was unsure and had to get back to me. After this, I had reached out to XXXX via email to confirm once again, whether 20 % down for investment property ( 2 Units ) is viable and he confirmed in writing I am " Approve/Eligible for a 20 % down payment. '' I then had to copy XXXX on that email and moments later, my husband received a call from XXXX XXXX that he " XXXX XXXX XXXX XXXX '' and we need 25 %. 

This is a severe level of incompetency among licensed professionals from origination to management level. Both XXXX and XXXX are not kept up to date on required originating & underwriting guidelines and in my case, irresponsibly provided an unqualified candidate with a preapproval. Even after numerous attempts by me to question and verify my case. This is extremely concerning for the community and the NJ residents that may have the misfortune to work with them. If I can get more accurate information within minutes of research, and I have to question licensed professionals multiple times on their field of expertise to get wrong answers, I don't think these people are qualified to do their jobs.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
Went to Ace check cashing to cash a money order today the clerk was very rude at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX the District Manager is XXXX  XXXX. XXXX did not offer me the opportunity to pay any of the amount that was due she simply kept the entire check and processed the amount owed plus a fee of XXXX Ace check cashing never made me aware that any fee was due i didnt expect the check to be returned it was from XXXX XXXX and i have a letter that shows they issued me a payment. I have had an account with Ace check cashing for 10 years I also have XXXX card and XXXX small business account. Of all the years of going to the various locations and interactions at the store locations I have never been treated as poorly as today. There is video footage of this incident and I will be reaching out to the XXXX  or agencies that regulate financial check cashing franchises. This is a communication that shall serve as notice and opportunity for internal resolution regarding financial services. Additionally, because if her behavior I aim to establish an official grievance about the methodology of your collection practices dont let insufficient technology nor disgraceful employees representing the Ace Check Cashing brand undermine your business operations. Customers deserve to be notified of past balances due or alerted to scenarios that there checks did not clear to contact the issuer as well as make arrangements with Ace as necessary. The money I presented to Ace Check Cashing was necessary for bills and medical issues. IT was just as if being robbed that procedure needs to be mended. I have cashed other items after the XXXX XXXX Check and no balance was ever mentioned to me. This is definitely unfair she took almost 88 percent of the money with no warning a stern face and impolite mannerisms. 
Please reach out to me immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I've sent a payment check to the company back at XXXX and they cleared it only this week, reporting late 120 on my credit report, closing my XXXX XXXX XXXXnd causing my damages to my credit and losing my mortgage!

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 2021-03-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 44 days and I still have not got a rebuttal of any kind in regards to this matter. 
I am sure that I am being taken advantage of and being totally ignored of my disputes. My information was also impacted by the Equifax data breach and may have been compromised as a result. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 44 days, so it should be deleted instantly. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
This company needs to be stopped immediately from their false advertising and predatory lending practices. I applied for a personal loan over 1 month ago, was approved for {$14000.00} personal loan. I have continuously been asked for a more and more documents and every time I have been asked for something else, I have returned the items within 24 hours. My rate and terms for the {$14000.00} loan were set to expire on XX/XX/XXXX, still pending a response from an Underwriter to my application and attachments. I called on XX/XX/XXXX and the individual said there was nothing to worry about as my docs would be saved and honored. That was a lie, the next day when an Underwriter was finally able to review the application, they re-ran the credit and said I was only approved for {$4500.00} with a higher interest rate. WHAT THE ACTUAL & & % & %? I took it because I am still trying to consolidate and pay down my credit card debt. Luckily they saved all my attachments from the original application. However, they keep asking for a Form XXXX from my tax return, which is a schedule linked to my business write-offs from my personal taxes. I have spoken to my CPA and he and I both agree, this is not Upstart 's business. My business write-off 's against my personal income is not the concern for a PERSONAL loan. My personal income is what should be derived to approve a personal loan, anything else is just not their business. Anyway, I submitted an explanation on XX/XX/XXXX with the new terms and rate expiring on XXXX. Yesterday, 2 weeks later, they finally reviewed my application and said that they needed Form XXXX again and if I didn't have it, to say I didn't have it and they would continue on without it. I haven't even had a chance to call and speak to someone and I get another notice that not I'm approved only for {$1800.00} and for a higher interest rate? This is b.s.!!! They keep delaying the review and moving the goal post and not holding true to their terms. And it takes them forever to review my XXXX application! Stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have been trying to refinance through XXXX Mortgage, my mortgage is with PHH. Account numberXXXX, it was originally through Ocwen. I have never been late on a payment, and I am being charged fees that I should not have to pay. We have requested a payment history from the beginning of the loan and all I get are letters stating it will take 30 more days, in the mean time I was unable to close on my new mortgage, because they are taking so long with the payment history and the lender won't accept the loan with these fees. 
I have 3 or 4 letters from PHH all saying they have 30 days to respond. They are the reason my my locked in rate will be different and will not be able to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please update your records it's been way to long to have this account as still open when it is NOT. Your failure to update is costing me with a higher debt to income ratio XXXX Bank XXXX XXXX was paid off a while ago and should reflect a XXXX balance XXXX  credit card balance is also NOT accurate as well

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 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
An individual went the a credit union PENFED and opened an account with my information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/2021, my account was forced closed. The account balance was {$45000.00} at the time of the closing. When I called the bank, I was told no information could be given to me over the phone. The gentleman on the phone let me know that i had to visit the bank. The closest branch for Wells Fargo is 1 hour and 45 minutes from my city. I finally got free time to make the trip only to be told I had to have an appointment. I attempted to explain the distance, yet was unsuccessful with my request of speaking to someone. My understanding at this point is that the bank flagged the account as fraudulent due to someone logging on to the online. I talked to the person and cleared it up. I do not care that the account was closed. They will not give me any information or a closing letter. I just want the bank to provide me with my remaining balance. At this moment, I do not fulling understand their reasoning of holding my money 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 2021-03-01 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: VA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am re submitting this complaint after being informed I needed to add my social security card. it has been a battle going thru this and I am writing to deleting the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: GA

Complaint narrative:
There is an auto account listed on my credit report that is in-accurate or reporting incorrect information. This is negatively impacting my ability to attain credit.

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 2021-03-01 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: Nelnet, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: DE

Complaint narrative:
I, entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services failed to inform me that my insurance was included in the finance charges, but it was not as defined under 15 usc 1605 ( a ) ( 5 ) and 15 usc1605 ( c ). Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt.

Mercedes Benz Financial Services violated my rights as they did not disclose to me my rights to rescission as defined under 15 usc 1635 ( a ) ( b ) ( f ). 
Mercedes-Benz Financial Services acknowledged the criminal liability for willful and knowing of their violations as defined in 15 usc 1611. On XX/XX/XXXX Mercedes-Benz Financial Services removed the alleged debt from 2 credit reporting agencies, leave the ruining of my reputation and defamation of character on XXXX violating 15 usc 1692d ( 1 ) ( 2 ) ( 3 ) as defined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
On XXXX I went to ONE MAIN FINANCIAL office for a loan to consolidate my credit card debt. I was approved for {$8000.00} for such. 
XX/XX/XXXX I paid {$310.00} for an XXXX XXXX. 
XX/XX/XXXX I paid {$280.00} monthly amount due XX/XX/XXXX I paid {$280.00} monthly amount due I refinanced my mortgage with another lender to pay off this debt and I paid on XX/XX/XXXX, {$7700.00}. I was told I owed {$280.00} in additional interest ... I was FLOORED. 
I was told that they might be able to waive that interest charge and they would talk to their superiors about it. 

XX/XX/XXXX I called to find out about the waived interest and was told they would get back to me. 
XX/XX/XXXX I called about this again and was told they had to speak to their superiors. 
XX/XX/XXXX I was called and told I have to pay the interest fee of {$280.00} and I was floored again. I did pay it because I wanted my TITLE returned to me and I wanted to close this loan. 

XX/XX/XXXX I paid {$280.00} to close the loan. 
I had asked for a written statement of how that fee was determined because it didn't add up to me as I was current and never late on any of my payments. They would not provide a statement of how the {$280.00} was tabulated. 

I feel that interest was excessive and should be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: NH

Complaint narrative:
I just received a letter they are not removing XXXX XXXX XXXX I sent in a complaint to all three ( 3 ) credit bureaus I received a response already from XXXX they removed the XXXX XXXX  I will send proof of that I will also resend the two page notice from XXXX so you can see the obtained the account After the statute of limitations expired this has been going on now for over 3 years!!!!

Company response to consumer: Closed with explanation