vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
Mortgage Loan Processor NMLS # XXXX XXXX XXXX and Closing AttorneyXXXX XXXX XXXX failed to return {$1100.00} Seller Credit ( XXXX ) + {$4800.00} ( MI Premium-Never applied to loan and was not required-Conventional Loan ). {$1000.00} Earnest Money Check not applied to Loan Balance of $ XXXX Total {$7000.00}. 
Mortgage @ $ XXXX {$180000.00}. Borrower brought {$25000.00} to Closing Table in Closing Cost ( s ) in Loan document submitted by Loan Processor. The amount of XXXX was added into the loan amount = {$190000.00}. = {$210000.00}. Docs to be presented from the Loan officers calculations ( copy ) -and the fraudulent calculations of the Closing Atty of the Up Front MIP payment which has not been applied in this loan and again, was not requested in Conventional Loan process. New American Rep stated that the {$4800.00} was reflected in loan as other costs, which the Closing Atty and in cooperation with the loan officer overcharged in Closing Cost ( s ), which I opted out to pay, but was still included to reflect the Other Cost ( s ) and unrequired and un-asked for closing cost ( s ). There is no payment in this loan for MIP Insurance. Documents presented upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
We are having issues with our auto lender, Consumer Portfolio Services. I signed a finance contract in XXXX which told me how many payments and what the finance charges would be, I am about 18 months from the maturity date of my loan. Looking back at the payments as the lender has applied them, there have been signficant time periods when they have applied the entire monthly payment to the interest and not the principal. For instance, the original amount financed was {$19000.00}. Because of my credit, the interest rate was 23.45 % and the finance charges were supposed to be {$16000.00}, for total payments of {$35000.00}. Looking at my payment history, I have paid {$21000.00} in interest payments and only {$3800.00} towards the principal. The term of the loan was for 66 months at the rate of {$540.00} per month. There have been months when I have been late and I have added 2 payments to the back end of the loan because of hardship reasons. However, at this point, even if CPS were to apply all my future payments now towards the principal and nothing towards the interest, it would take over 29 months to pay on the loan. The maturity date is supposed to be XX/XX/XXXX. The terms of the contract, which state far after the Federal Truth-In-Lending Disclosures that the lender can apply whatever portion of my payment to principal vs. interest that the lender wants at their sole discretion. 



I do not understand how this works and how I will ever have this loan paid in full when I can not tell from the payments how they apply principal v. interest. When I have asked CPS about how it can make it so that I make payments for an additional year after the maturity date and ask them to explain how they are not always applying the payment towards the principal, they are non-responsive. 



Is there a resource that I can turn to, other than the lender that I now do not trust, to better understand the terms of this horrible loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I have renters in my home who thought they would need some extra time to pay the lease due to Covid ; this was in XXXX, 2020. I called the mortgage company to ask about the terms of deferment. I asked them to send me the paperwork so I could look it over. At no time did I agree to go into deferment or ask to be put into deferment. I simply asked for information. 

I received the papers which stated I was to sign and return ; I did not submit any documents to go into deferment. My tenants continued to pay on time, so there was no need to go any further. 

In XXXX, 2020 I had to purchase a car, and learned that Dovenmuehle Mortgage, Inc. had put me in deferment without my consent. 

I had not missed any payments, nor been late - ever. 

I called them and they said that it was not on my credit report, but I have the paper work obtained from my loan broker. In addition, creditors did not want to extend credit to anyone who is in deferment so it was extremely difficult to find a creditor. As a result, my interest rate on my car is extremely high. 

The damage is done, at this point and there seems nothing I can do to reverse what it's done to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: OK

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$4500.00} XXXX XXXX   XXXX {$24000.00} XXXX  XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX  XXXX {$9000.00} XXXX XXXX XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INC has posted a collection account onto my credit profile. I have no recollection of this bill. I am disabled and on social security. I was denied an approval for a XXXX XXXX credit card because of this collection. I contacted the credit bureaus and disputed the account ; XXXX, XXXX, and XXXX. XXXX  refuses to honor my numerous disputes with the aforementioned account. I am deeply disturbed and depressed by I.C. System 's and XXXX  's action. Please see the item below : Account Info I.C.  SYSTEM, INC Account number- XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$860.00}

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am inquiring about the evidence Chase has to feel they are by law to freeze my account and my retirement & social security and unemployment funds. i need to know what steps are they taking and are they taking any to rectify this situation immediately? And what is the time frame are they seeking to continue to hold my funds. I know this is a vendetta because XXXX XXXX and his executive office made as a XXXX discrimination tactic and corporate XXXX  against me am XXXX XXXX  consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: KS

Complaint narrative:
My husband and I applied to refinance our mortgage loan to a 15 year mortgage at 2.50 % with New American Funding with XXXX XXXX as the loan officer. We started the transaction XX/XX/2020 with XXXX and his assistant, XXXX XXXX., we submitted all disclosures and documents by XX/XX/XXXX. On XX/XX/XXXX, I received additional loan disclosures from XXXX and submitted the same day. After that I did not hear from anyone until XX/XX/XXXX, when XXXX XXXX sent me additional loan disclosures along with asking my husband employer to submit many different forms because they changed payroll this year. However, besides the time it took to get the loan to close which would of been the end of XXXX, if I would not of canceled, is they sent me a disclosure with no explanation, but to sign due to charging me {$1100.00} for added points due to the rate was pass the lock date. This was due to how long their process was taking to go through the many channels to close a loan. XXXX tried to put the blame on me as we were gone for a few days at the beginning of the process and I had the necessary documents to his office by XX/XX/XXXX. He was not very informative or apologetic for the way my loan process was handled. Actually, they were more than happy to cancel the process. which considering my husband and I credit scores are excellent caught me by surprise. I would not recommend New American Funding to anyone due to how they treat their clients and the surprise fees at the end of the loan process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TX

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX/XXXX  XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
Consumer has communicated to RBC and asked this company for validation of debt with no response consumer has sent request on the date of XX/XX/2020. with a

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I received a letter from Synchrony Bank ( Care Credit ) stating that they had closed my account for high balance reasons ( I have attached the letter ). They gave me no warning that they were going to do this. I have actually had a XXXX balance on this card for a year. When I called they said that they closed my account for non use, diabolically different reason than in their letter. When I asked him if this would affect my credit, he hung up on me. 

I called XXXX. The person I spoke with there said that it is on my credit report as " closed by creditor, '' or something close to that. He told me I could not dispute it because they just said they closed it and did not give a reason. 

I spoke with the Minnesota Department of Commerce first, who gave me your information. 

I hope you can help. I thought I was doing the right thing having a XXXX   balance. This card can only be used for medical, so it's not the type of card you would use on a regular basis. 

I don't want the card anymore, since I found out what a fly by night company this is, but I do not want this to appear on my credit report, thereby damaging my credit for no reason.

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to verify my account thru plaid. And it won't let me log in with my credentials. Saying I have to use acct and routing number. I need to get this think done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase granted or approved me for a total checking account with a {$350.00} deposit made upon account opening. 2-4 days later, and they always do this, restrict my account due to processing of immediate forced account closure, account charge-off and end their relationship with me. They say it is done on a per account basis. 5 times in a 8 year time span. I feel they are being biased and discriminatory in their handling of my financial affairs, not always on the surface such as at a branch or over the phone, but in review when they look at my photo identification card ( s ) and make their banking reviews and lending approval/adverse decisions. Account was in good standing and representative stated bank was closing my account due to suspicious account activity and restrictions were placed. I only withdrew some funds via branch atm and check and processed financial balances and one attempted, failed, XXXX transaction. They should not have closed an account that was in good standing without attempting to verify activities with me first. I feel this is biased discrimination and prejudice in the financial institutions account handling in attempting business relations with financial institution JPMorgan Chase Bank. They say it a per account decision and not a or never was a permanent black-listing or ban from doing business with them ever again in, now or in the future but 5 times in an 8 year period is proving otherwise and it goes on with the credit bureaus they report to as well showing new negative banking activities information on my account XXXX  as charge-off account and account forced closed, or Closed due to suspicious activities for me to handle in the aftermath.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX/XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX Company Inquiries : XXXX XXXX/XXXX  XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: MO

Complaint narrative:
I have been calling ( XXXX ) XXXX to receive my XXXX XXXX Card for Unemployment benefits ( Missouri MO Access Card ) being deposited. I get hung up on after waiting at least 1 hour EVERY TIME. Its is IMPOSSIBLE to get thru. PLEASE HELP ME. I DESPERATLY NEED MY FUNDS. The website mo-access.com does not have a way to put in your SSN.Only thru putting in the card number which is impossible if you don't have the card. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Social security # XXXX Good morning I have a little over two weeks of trying to get a new card issued for my unemployment benefits and have already fax all the information that was requested from me such as identification and proof of residency. Ive called Reliacard services and no one has helped me fix my address so that I can get a new card issued. I keep getting transfer over and over and I do not mind the wait time If only I was getting the assistant that I need. Ive tried calling different numbers and I cant get any help my benefits for unemployment have already been issued to the Prepaid Reliacard. My rent is coming up and I am having a bit of anxiety that I cant get a card sent to my correct address.

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 2020-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae is a Scam the ask for many cosigners and all your information to denied and the interest rate is fraudulent they offer 1.25 % and you have 25 % charge in the account Is SCAM and they get all your and cosigner personal information fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2020 I attempted to make a cash depose at a regions ATM at XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX, aroundthe XXXX XXXX. 
I tried to deposit the cash, {$400.00}, XXXX my checking account. The machine spit back XXXX, the machine continued to act like it was going to return my money. It didn't give it back, but it then said report to your financial institution the error. I then drive to the bank next door at 5 minutes till XXXX XXXX. I called the lobby number on the door let it ring for a solid 3 minutes. There was no answering service and no one picked up.so I drive to the drive thru, where the atm is located. And reported the incident.where I was told it's Not their atm and it will be Next week before they decide if any extra money in the atm is mine. Totaling XXXX. 
She alsosaid it Will take another week to have it investigated, and then I'll get a letter in the mail to let me know if I am owed My own money. Then I will have returns to me. 
I feel like. It should not take up to a month to get my money their banks atm ate.i also think they should have immediately watched the video or checked to see if I was indeed trying to make a deposit. This is ridiculous.

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 2020-07-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response.

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