vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: OR

Complaint narrative:
I had just closed on a mortgage for my primary residence with Union Bank at the end of XXXX / beginning of XXXX and started working with them for a refinance transaction for an investment property on XX/XX/XXXX. I was quoted by XXXX XXXX over email that closing costs would be roughly 4k  on on $ XXXX 75 % = {$150000.00}, PI {$760.00} 3.875 % 1.250 pts. 
I asked XXXX and his assistant XXXX to proceed with the transaction. 
XXXX responded on XX/XX/XXXX with this : " Ok, I will forward a online app invite to you, the same you filled out for your purchase. Its easy. '' I filled out the application and proceeded to provide all required documents to XXXX and XXXX. 


On XX/XX/XXXX I received a loan estimate that showed the closing cost of {$7300.00} instead of ~ {$4000.00} that was quoted to me. This is all documented in email. XXXX said that was a misquote and he will work with management to get a rate exception While the issue with the rate was going on, I was told that the appraisal has been ordered ... and I was contacted by the appraiser who completed the appraisal in XXXX. 
As I was getting worried that the transaction is not proceeding as per normal i kept asking XXXX about progress and was always reassured that its proceeding per usual and that refinances are just taking a long time at the bank right now. 
But in the middle of XXXX i was told by XXXX that my application was cancelled since I did not pay the application fees. NO ONE EVER ASKED ME FOR AN APPLICATION FEES. 
At this point, XXXX said we need to re-start the process. XXXX called and collected {$550.00} application fees and my loan was submitted for underwriting around XX/XX/XXXX and a new appraisal was ordered. 
After getting the run around from underwriting for a month and still no progress till XXXX, i decided to go with XXXX  XXXX  for this transaction. 
I am asking for action to be taken against Union Bank and for my {$550.00} application fees to be refunded in full

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 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
My small business account was frozen by Citibank which decided ( arbitrarily ) that the business location I work from is a virtual location based on the address. The location I work from is a part of a shared office space, and has both physical offices as well as virtual offices. I use a physical office. 

Without notice, the account was frozen and I did not discover the freeze until I received a notice from an outside vendor of a rejected automatic payment. Upon contacting Citibank, the person in their branch was extremely helpful in trying to resolve this issue, as it was another department that had initiated this freeze.

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 2020-03-04 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: VA

Complaint narrative:
During a chat session on my mobile device 4 weeks ago ( Thursday XX/XX/2020 ). One of the Amex customer service representatives cancelled my Amex Card. I did not want nor request this, Besides the fact that this has caused me great irritation as I had my Amex card loaded on most of my travel bookings, I then had to sit on the phone with the representatives for 90 minutes to be told they would let me know in a week if they are reissuing my card.Then I received a letter stating that despite this is American Expresses mistake, my card will not be reissued. They had just charged me 2 weeks earlier {$550.00} for the yearly membership ( taken in advance ), of which I had the possibility to use 3 weeks of 52. Then I had over XXXX points which by their own calculations are valued at between 1c and 2c per point. 

You can see in the attachments they cancelled my card and XXXX 'd my points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
dear consumer financial protection bureau so im submitted written complaint about im having delay problem issue with equifax credit report file so i order copy of my personal credit report file its just came in the mail on yesterday so the main issue im having with credit bureau agency they do not wan na give me access too my own personal credit report file so when i call customer services number XXXX so aslo i can provide address imformation where i mail my verify documents too equifax XXXX  XXXX XXXX ga XXXX zipcode so i sent them copy of my ssn number state id card photo and when i call customer services today they still saying they have not recieve verify documents yet so i have call them several times about this delay matter still has not been solve just yet so they aslo refuse to give my physical access to my equifax .com online account after i have allready verify my account several times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: EQUIFAX, INC.
State: WV

Complaint narrative:
To whom it may concern : On XX/XX/2020 a call was received from a XXXX XXXX XXXX  regarding FHA Streamline Loan. After discussing terms with XXXX XXXX at XXXX XXXX we were re-assured this would NOT be a hard inquiry on our credit. So, it was to our surprise to find one on our credit from this company. We NEVER authorized a hard inquiry as we have been comparing and considering our options to find what company best fits our needs. We have spoken with a number of companies and, this is the first that has caused this inquiry to impact our credit. Im demanding this inquiry be researched as it was not authorized and XXXX was dishonest about what he was doing. A number of times we asked & expressed a clearly that we didn't want a hard inquiry on our credit. There were attempts to call him and request a correction of his error. We have been unsuccessful. We XXXX, and attempted to talk with XXXX 's employer at XXXX XXXX directly. Unfortunately, weve not heard back from them either. We are asking credit agencies to remove this inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Purchased XXXX phones over 12 years ago. The promo was if not happy with the phones or service return them both within 14 days & their would be no fees or charges, which is what I did. And I have been getting a bill ever since. A friend of a friend recently worked for XXXX XXXX & was stealing customers info phones & money for which they were prosecuted, Im sure my personal info was used but I dont know to what extent. Shortly after that thats when I started getting bills from creditor. 22 years later & how did they know my whereabouts. I notified XXXX  XXXX & all the credit bureaus to no orvail to let them know this bill was not correct & should have been taken off my credit report years ago. Now I get a bill that the bill the claim was {$150.00} is now {$63.00} ( REALLY ) thus collection agency Convergent Outsourcing needs to find out from XXXX XXXX how long ago was this supposed bill created,? & the circumstances around the bill. I dont owe & Im tired of explaining this I want this off my credit report immediately.

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/XXXX I mailed two checks for credit card payments at the post office. One was to XXXX, the other to North Shore Bank. The check to XXXX cleared my checking account in five days. The check to North Shore bank took eleven days to clear my checking account. 

The XXXX statement from North Shore Bank shows the check to have been received one day late on Sunday XX/XX/XXXX and eight days after it was mailed. North Shore Bank assesses some {$70.00} in interest and fees because of this alleged late payment. 

North Shore bank has declined to reverse these fees.

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 2020-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an XXXX Savings account with Webster Bank AKA " XXXX XXXX '' that I have been trying to close since XX/XX/XXXX. 

I have called 4 times. Given 4 different answers on how to close this account and do a roll over to another XXXX Plan. Today I talked to XXXX XXXX about the 3 different mystery fees since XX/XX/XXXX to XXXX   XXXX and the how to close my account. She refused to refund the fees and then told me there will be a closing fee on top of all the other fees I have paid! 

In conjunction with my own attempts to roll over this account I have attempted to roll over the XXXX Savings account to XXXX XXXX and they have received no response after 3 weeks trying to roll over this account. XXXX XXXX with XXXX XXXX informed me they have received no information from XXXX XXXX. However they show online they have sent information to them 3 weeks ago. 

In the meant time XXXX XXXX has charged me 3 separate fees totaling {$8.00} since XX/XX/XXXX! 

I believe XXXX XXXX has as standard business practice to hassle and delay closures of accounts in order to extract more fees from customers who want to leave. I have found them to be extremely disorganized and manual intensive which just magnifies the problem. 

Attached you will find account history showing the 3 fees charged since XX/XX/XXXX from XXXX XXXX. 

Also you will find a screen shot from XXXX XXXX showing the status of a request sent XX/XX/XXXX to XXXX XXXX which is still pending response from XXXX XXXX to roll over my XXXX Savings Account. 

Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
For Transunion I'm trying to figure out their method for investigation my recent and current disputes. According to the FRCA this particular verifiable documentation needs to be send to the consumer, but that contrary because the credit bureau ( s ) never presented this documentation on file. Because they process their records electronically, which is again contrary to what the law says what must be done. This law is based on 609 of the FCRA. 

For example a past dispute I disputed the 11 XXXX  accounts in question. From those accounts on Transunion, their was no verifiable documentation given to me as the results were concluded. 

If XXXX  deleted these accounts over a year ago. What information do you have that XXXX  didnt to support the allegation that these accounts are in fact mine, verified, and validated.

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 2020-03-04 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: CA

Complaint narrative:
I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: CA

Complaint narrative:
I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX  and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.

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 2020-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX  and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2019, my wife, XXXX and I responded to an invitation from XXXX XXXX to meet in XXXX XXXX regarding signing up for a resort membership. We succumbed to the presenters ' blandishments and agreed to sign up for a lifetime, bequeath-able vacation package. The up-front fees were {$6000.00} which we tried to pay with our own existing credit cards. The presenters insisted that we use one of their own proffered credit cards issued by Comenity-XXXX   Rewards Mastercard. 
The Card numbers were XXXX for XXXX XXXX and XXXX for XXXX XXXX. 
These were presented as " no interest for six months '' cards but later it transpired that that promotion was only applicable based on a monthly minimum payable due on or about the XXXX of each month. 
Accordingly I had set up two auto-payments per month from my bank for each of the cards. In a display of gross in-efficiency the bank applied both those payments to the same account and to compound that in-efficiency or perhaps mal-feasance, it even charged a late fee to the account to which the payment was not applied. After much effort and several calls to the bank 's customer service department I was able to get the two payments applied to the accounts they were intended for and also have them reverse the late fees. 
On XX/XX/2019 my bank, XXXX XXXX, mailed out the entire Principal Balance due on those cards, the statements for which had a due date of XX/XX/2019. It would appear that the payment would have reached COMENITY by that due date. Unfortunately, the payment was posted on XX/XX/XXXX, enabling the payee to assess a significant LATE FEE on the statement for a due date in XX/XX/2019. I had no control over the posting date by COMENITY. Since then COMENITY has been charging a Late Fee in each month and adding a Minimum Interest payment on those illegitimate Late Fees. At this point that bank is demanding {$140.00} and {$140.00} on each of the cards. These amounts are comprised only of LATE FEES and ACCRUED INTEREST on those LATE FEES making such Fees a considerable source of Income for the Bank which is refusing to reverse the initial fees assessed on the XXXX payment. I have made that request at several management tiers of the bank. In hind- sight I believe that the bank deliberately delayed posting the XXXX payment merely to have justification to assess those fees. I reiterate that the entire Principal Balance has been paid off and the balance now being demanded is only the snow-balled total of Illegitimate late fees and interest on those fees, thereby compounding the mal-feasance of this bank. 
It is requested that the COMENITY BANK be prevailed upon to reverse those charges under advice to the Credit Bureaus which have marred our credit scores

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 1ST FINANCIAL, INC.
State: FL

Complaint narrative:
I am the listing agent for a property this Lender 1st Financial Inc in  XXXX XXXX, FL with Branch Manager XXXX XXXX is working with. Property XXXX XXXX XXXX XXXX. The lender representative has just threatened me and insulted me over the phone. The threats were of violence towards myself and my family. I want to document this here and with any other department available. Please get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On or about XX/XX/2020 I apply for a loan online. The loan company approved loan application and said they needed my online banking access to verify my account. The amount of {$2000.00} was deposited into my account. After the deposit the loan company called me and said I was approved for {$4000.00} and to show that I have an active account I would need to return the {$2000.00} via XXXX XXXX or gift cards. This made me feel uncomfortable and I didnt trust this process. 
I withdrew the money and sent it back using gift cards because the representative would not give the information to use XXXX XXXX. 
They said if I did not send the money back the would lock my account. 
2 days later I received a new Debit card from Bank of America : which said my account may have been used in fraudulent activity. This made me feel better. 
On XX/XX/XXXX, I received 2 emails from Bank of America stating that my claim was denied and that {$2000.00} will be debited from my account on XX/XX/XXXX. 
I went into the bank to find out what was going on. The Representative that assisted me said that the loan company used my online banking access to file a claim, which caused Bank of America to deposit {$2000.00} on my account. That transaction makes it appear as if the loan company made the deposit. The representative at the bank said it was a scam and that I will have to pay back the {$2000.00} to Bank of America.

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 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Brown’s New Credit Bureau Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 my son was ill and treated in the ED. I had started a new job and was in a 30 day window of no insurance. The ED bill was {$4200.00} and was swiftly transferred to collections in a very short time. The collection agency has contacted me a few times. Today they contacted me and refused any payment plan short of {$100.00} a month which I stated I can not afford. I explained the financial hardship Ive experienced with the loss of a job back in XXXX and am just getting stable again. The representative told me if you dont pay, then our attorney Mr. XXXX will contact your employer directly to collect the money. I stated do not make empty threats to me. You can not contact my employer to take money without a court order. The representative replied Im just telling you what our attorney will do. And then promptly hung up on me. The agency refuses to work with me on a payment plan and is now threatening to take illegal actions.

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