vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am a XXXX XXXX, and my client applied for a refinance of their primary residence on XX/XX/19. Borrower 's fico score is in the 660s and loan amount is {$130000.00}. The loan type is a Conventional Cash out Refinance of a primary Single family residence. Due to the fico score of the client and the loan size and refinance type the LLPAs on the rate are high compared to the average client with a higher fico score nationwide. 

Upon registering the file with the lender we were notified by the lender that the loan was failing the QM safe harbor test with regards to the APR being over the APOR by 1.5 percentage points. We adjusted the rate down with the borrower paying discount points to accomplish this. The rate was locked at this time. 

A month later we were notified that the APOR had decreased per the weekly publishing and the loan therefore had another safe harbor issue since the rates are decreasing rapidly. The problem is that the client was locked in a month earlier at higher rates. Now my client 's APR is being compared to the more recent lower APOR and has to pay more discount points to lower their rate more which is harming the client and making it nearly impossible for their loan to close. 

The Lender stated that they received the interpretation from the CFPB that the term " as of the date the interest rate is set '' from your publication means that every time a change happens to the loan ( i.e. loan amount changes, interest rate changes, ltv changes, etc. ) that the lender has to compare the APR on the file to the new available weekly APOR. This makes absolutely no sense and is harming consumers. How can a loan 's APR with an older Lock be compared to new rates ( APOR ) that have decreased. I have had 3 clients with this same issue in the past 30 days. 

I have reached out to all of my contacts at the lender and they are trying to find a work around, but nonetheless the CFPB needs to make it clear what they expect pertaining to what APOR to compare the APR to. A clearer definition of " at the time when the interest rate on a mortgage is set '' is needed. See section 4.3 What Makes a QM loan Higher -Priced 1026.43 ( b ) ( 4 ). 

Please advise whether the lender should be comparing the new weekly APOR to the APR on the file when the rate was locked several weeks prior or whether regardless of any changes to the loan the current APR on the file should be compared to the APOR from the week the rate was originally locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to .... promptly delete all information which cannnot be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp.
State: WV

Complaint narrative:
In XX/XX/XXXX I received deployment notification orders that informed me I would be deploying on XXXX XX/XX/XXXX for one month followed by an eight month overseas contingency XXXX XXXX. As such, I made all final payments to South East Toyota Finance/ World Omni Financial and returned my vehicle according to the Soldier and Sailor Relief Act. However, I continued to be charged which resulted in a balance of {$510.00} as of XX/XX/XXXX and I disputed the amount owed. The company then updated the amount owed on XX/XX/XXXX to {$910.00}. I should not have continued to be charged after I deployed to begin with, let alone have another {$390.00} added to the account after I disputed it. I did everything appropriately and thus far the company has refused to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to .... promptly delete all information which cannnot be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/2018 chase bank closed my account and since that date i been trayng to get my funds.they hold XXXX dollars and would not refund my money. please help me get my money back.. my account been closed from last year and i havent got my money back. they keep telling me diffrent things all the time. my name is XXXX XXXX and my current address is XXXX XXXX XXXX XXXX XXXX XXXX ca   XXXX my last four of my ss number is XXXX .and if you need additional info please contact me by mail or call XXXX XXXX thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: OR

Complaint narrative:
I received two e mails in the Wells Fargo message portal that the bank was ending our banking relationship because I posed a risk. The letter stated no further deposits would occur and no further transfers would occur but that I would instead in its place receive various cashiers check. I have yet to receive a cashiers check, I have yet to receive even an e mail or phone call stating that a provisional credit will be applied as we investigate the facts of the 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 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received letter shipped by standard mail, dated XX/XX/2019. Letter is from XXXX, XXXX and XXXX, XXXX, stating that they are attorneys for XXXX XXXX XXXX. Such firm is stating that they are trying to collect a balance of XXXX owed originally to Capital One, N.A. 
The letter states that unless I dispute the validity of the debtwithin 30 days after its receipt, it will be assumed that the debt is valid. 

Collection Agency : XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2019, I called Specialized Loan Specialists to find out how to submit a Letter of Consent to have repairs completed on my home for a program I had signed up for. I was told by the customer service representative that I needed to submit the letter via email to customer service. I submitted the form and information regarding the program via email as instructed. I later called on XX/XX/XXXX to insure that the document was received and if nay other information was required. I have since called the XXXX customer care and have talked to several customer care reps and supervisors and I have been hung up on, pushed to several people, have been on hold for hours at a time, with no resolutions, I have been told I submitted the paperwork incorrectly, with that said I emailed it the paperwork, as well I mailed the paperwork, I have faxed the paperwork. I have gotten several inconsistencies in relation to the correspondence they have received from me. I am not getting the information needed. I am filing a complaint for their customer service where there is no answers to get. I need the form to be completed but, I don't think the paperwork has gotten to the department it needs to get to. I don't know who to complain to to get my issue resolve. It is the worse customer service I have ever experienced, I don't know how to get my issue resolved. I tried customer resolution but leads me back to the same customer care reps. I have sent the correspondence to their dispute department, but I'm told I can't talk to anyone in that department. I have tried to request a call from the executive service representatives and I'm told they will call me back and no calls. I am at my wits end and they hold the mortgage on my home and I can't do anything about it. I pay my mortgage on time every month, and they send me a notice in the mail every month to pay mortgage, but I can ; t get this letter of consent to repair my home. Please advise directives I can take to get this issue resolve. I was told 30 days and it would be handled, and here it is now going into 70 days. No resolutions and no answers

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 2019-06-26 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX, XXXX  and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, experion and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life

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 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
see attachments new information compiled by a former compliance officer of several banks., presented in a more logical way, what I wrote before was scattered but 100 % true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-06-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I filed complaint XXXX, which was resolved and the company admitted that they will not attempt to sell me their loan consolidation service. They are not honoring that resolution and are now calling me from a different company named " XXXX XXXX XXXX '' or they sold my private information to another vendor. A woman named XXXX called from ( XXXX ) XXXX and spoke with my father giving him a reference number XXXX. She divulged my personal and private information to a person that is not authorized to speak on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
I have been working with PHH Mortgage for one year attempting to find a solution for me to keep my home. I have submitted several packages for assistance, one two occasions I was granted a trial modification with a reduced payment and was assured that providing payments were made during the trial period, a permanent modification would be granted. I called to check on the status of my modification request on XX/XX/XXXX, I was told that the documents submitted were not legible and that I would need to resubmit the documents. On XX/XX/XXXX, I received a letter stating that a modification could not be granted because a modification was previously granted several years ago. 

I have been consistently misled, I was told on numerous occasions that if I could afford the mortgage that the mortgage company would find a solution. Back in XX/XX/XXXX, I was assured that my modification request was being reviewed for a modification. I have submitted documentation in a timely manner and have complied with every request. I am now employed and working again full-time and can afford the payments. I am not sure if the breakdown in communication or the conflicting information is a result of the merger between PHH and Owcen. 
What confuses me the most is that I was offered XXXX for a deed in lieu, if the mortgage company has XXXX to give it would be helpful to have that applied to the outstanding balance owed and for the loan to be modified or for a repayment plan to take place. I am extremely disappointed that I have been misled for almost a year. Had I known a modification was not an option, I would have sought alternative solutions months ago. 

XXXX XXXX has responded to each inquiry I have submitted but her responses have been to solely defend the mortgage servicer and not to provide resolution. I am willing to reach out to additional organizations and the media if necessary. I have all letters sent to me by PHH and telephone calls to show that I am providing factual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NJ

Complaint narrative:
They dont answer my call. They dont call me back. This debt has already been paid back 100 % but it still shows on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: IN

Complaint narrative:
I am getting calls a minimum of three times a day, usually every hour starting at XXXX XXXX   EST. 
Example : XX/XX/19- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/19- XXXX XXXX, XXXX XXXX, XXXX XXXX Not only do they call multiple times daily, they will call from an anonymous number and leave ( sometimes ) multiple prerecorded, nonspecific voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
NATIONAL CREDIT SYSTEMS, account number XXXX, is wrongfully appearing on my XXXX, XXXX AND XXXX credit files.THEY ARE TRYING TO COLLECT A DEBT THAT I DO NOT OWE.THE DEBT IS A TOTAL FABRICATION ... ..I 'M FAMILIAR WITH THE PARTIES BUT THERE IS NO LEGAL CONTRACTUAL DEBT THAT I OWE. 
THIS OUTRAGE, USING MY CREDIT RATING AS LEVERAGE, TO COLLECT A DEBT I DO NOT OWE IS THE LEGAL EQUIVALENT OF EXTORTION.IF THIS DEBT WAS ACHIEVED BY COURT ACTION, I WAS NEVER SERVED AS REQUIRED BY LAW.IF THERE WAS SERVICE OF PROCESS TO ME PERSONALLY IT IS FRAUDULENT OR FORGED. 
THERE IS NO LEGAL JUSTIFICATION AND I STRONGLY SUSPECT IT IS OF A CONSPIRATORIAL NATURE BETWEEN THE OWNER OF THE ORIGINAL CREDITOR, XXXX XXXX XXXX., THE REGIONAL MANAGER AND ON-SITE MANAGER OF XXXX XXXX XXXX, XXXX XXXX , CA. 
REGARDLESS, I WANT THESE REMOVED FROM MY BUREAUS AND RETAIN MY RIGHT TO PERSONALLY SUE THE FURNISHER OF CREDIT INFORMATION AND EACH REPOSITORY OF INFORMATION ( CREDIT BUREAU ) FOR  FCRA PROSCRIBED STATUTORY DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, and again on XX/XX/2019, I requested my Experian credit report online through XXXX. Experian refused to supply my report online, and their message asked me to request the report in writing. On XX/XX/2019, I completed and mailed the Annual Credit Report Request Form with the requested identifying information. Today, XX/XX/2019, I received a letter from Experian refusing to supply my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: AVANTE
State: TX

Complaint narrative:
Both XXXX XXXX and Avante collection agency are both reporting my old debt of about 4 to 5 years ago as new account and both are showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
After a review of the documentated comments and a statement that was sent to me from USAA on my previous complaint XXXX, I have this dispute according to my files back on XXXX XXXX @ XXXX I spoke to a young lady XXXX XXXX reference to a {$100.00} XXXX XXXX taken from my son 's card when she told me it was on overdraft charge I stated we did not want that card used for overdraft fee that it was my son 's emergency card and need for that purpose and his Dad 's name was on it as a co signer as he was trying to form some credit rating. Again after this conversation, another cash advance was taken for the same issue and I spoke to another representative XXXX about this, there is no way my husband could have approved using this card in this manner as he was out of state and did not have the card in his possession at that time. I feel that we are being taking advantage off and I'm sorry if someone didn't do there job on that end but how is that our fault when we spoke to someone twice concerning this. I want another complaint sent to USAA so we can get this cleared up. Have a great day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: MI

Complaint narrative:
Debt was erroneously reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
Over 2 months ago I demanded validation of the debt that Credit Collection Services is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I just got a copy of my Experian credit report that shows a hard inquiry from : XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, NY XXXX The previous inquiry ( XXXX - XX/XX/19 ) before this one was from a bank I know about and applied for credit from. I don't recognize XXXX and did not have any reason to apply for credit sinceXX/XX/XXXXXX/XX/19. 

I suspect identity theft and attempt to open an unauthorized account in my name.

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