vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for a Home Loan online through Navy Federal Credit Union. Prior to applying to this loan I also applied for a loan through another financial institution. When I was called by the Loan Broker I was at work but she didnt seem to care and wanted information at that moment. I called my wife on a 3 way call so she could provide the info because at my job I can not talk and the Loan Officer was being quite rude and demanding.

She was asking about our down payment, income all standard questions. But it was manner in which she was asking. She was nasty, badgering and very discriminatory. How much money you have? What else? Thats All? Hmm not sure what I can do. What are you trying to get? Hmmph ... Do you have more income? A bigger down payment etc etc My wife mentioned that on the website it stated that the loans had no down payment. She immediately said we wouldnt qualify and didn't say why. Then my wife stated what if we got iur own down payment she said " nope not with Navy ''. Her tone wasnt of a Agent trying to assist with a home purchase. 
She finally said maybe she could offer {$150000.00} ... We were baffled.. Maybe??? Was this a game or business transaction. The irony was were approved for XXXX before this transaction as well as a few months ago. So we found a huge disparity in the number she provided. Furthermore we got a denial letter in the mail that citied a XXXX credit school with serious delinquency etc but then it states ***NO DEROGATORY INFO FOUND IN THE FILE. Also it states Excessive obligations in relation to income. Can they please prove this. My income pays rent. I have no debt in my name. No student loans, car notes, child support etc. 

When we pull the report there is no derogatory info there. So why was our loan denied? We cant prove it but our voices and names are distinctively XXXX. And from the moment the Loan Officer came on the phone she was rude was unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
We applied for a refinance from Cardinal Financial with XXXX XXXX on XX/XX/XXXX. We agreed to go with this company because XXXX agreed to adjust the Origination fee from {$890.00} to {$450.00}. There were so many delays, lack of follow up, and multiple requests for information that had previously been supplied that the closing did not happen until XX/XX/XXXX. We never asked for an extension, had wanted a timely closing. When the final Loan Document came I questioned the Origination Fee not being {$450.00} as promised, and on XX/XX/XXXX XXXX assured me it would be reduced. On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX I reached out to XXXX again, because the amount had not been adjusted. XXXX finally answered me on XX/XX/XXXX and said that they would not adjust the origination fee to {$450.00} as initially promised, because they waived rate re-lock fees. We never asked for an extension, always provided requested information the same day requested, and signed all documents immediately. I believe this is unethical, deceitful, and unscrupulous business practice and do expect them to stand behind their commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I co-signed for a car for a former girlfriend. The car was purchased in XX/XX/XXXX. She made payments on the account monthly and on time. XXXX of XXXX Santander which is who the car loan was through was notified that the car was totaled out and that gap insurance would take car of the balance. Upon checking my credit report I noticed that the account was still showing on my credit report. I contacted Santander and informed of the problem and was told that gap insurance never contacted them and that the account still had a balance on it and that the car was repossessed. I proceeded to ask how was a car that was totaled and in a salvage yard repossessed. The representative then stated that they were notified that the car was totaled in XX/XX/XXXX and that they submitted a claim to the gap insurance, but never heard anything from the gap insurance company so they placed car as a repossession, and that the car was sold and the balance that was on the car was the remainder balance after the sale. I went over the account with Santander representative and informed him that the account on my credit shows as a charged off account not a repossession. I also inquired about the settlement lawsuit to forgive the loan and was told that I would have to contact the attorney general, but was informed by attorney general that I would have to contact Santander about the forgiveness settlement. I have been given the run around about the issue and this causing havoc in my current life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I just refinanced my mortgage and now it is with a new servicer PHH. I was able to make myXX/XX/XXXX payment electronically even though I had to sign up for electronic statements to avoid a payment fee of {$7.00} I attempted to schedule a payment on XX/XX/ forXX/XX/XXXXonline and their system would not allow me to do that. When I called thinking there may just be a technical issue with their website, I was informed that I wouldnt be able to make payments online unless I sign an amendment to the note. They told me I could mail in a check instead though clearly I would be late since there wouldnt be enough time for a check to get there byXX/XX/XXXX. 

This is completely unacceptable. I am trying to make a timely payment and I dont believe that there is anything in the note that covers payment methods so I dont understand why they would force me to sign an amendment. 

They will make me be late on my mortgage and will impact my credit score. 
This is absolutely the worst servicer I have ever dealt with and I did inform them that I would be filing a complaint with the CFPB which they didnt care about at all.

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 2021-04-30 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: PA

Complaint narrative:
Credit reports show that account has missed payment/negative month/derogatory remark. I have never missed a payment and creditor agreed to offer a discount for a full payment. I would like the missed payment/negative month/derogatory remark removed from my credit report and score.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I see a charge back for the amount of {$300.00} from XXXX XXXX XXXX. I never gotten any letter or phone call from you guys. it just seem like you guys went and charge me for no reason, not sure what deal is but this is wrong. I called you guys about this. I just hope that this was a mistake from your end. I'm currently going through a lot. I recently lost my daughter, I don't need anymore stress on my shoulder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX called me around XXXX and asked me to open a checking account. Around XXXX banks no longer mailed cancelled checks or checks cashed by biller, back to the payer or account owner. They now scan these checks. Santander has debited checks made to biller XXXX who have not signed the back of the check. Also Santander Bank who took over XXXX XXXX accounts is not debiting purchases made with debit master card immediately. Causeing overdrafts. The reason being around XXXX, I opted out of being able to over draft my account with my debit card. These purchases or transactions are supposed to be turned down or cancelled for insufficient funds. Santander Bank told me that I am still opted out of being able to overdraft, but tonite, they have decided to keep a debit card purchase made to XXXX 's on XX/XX/XXXXat XXXX, in pending status, without debiting it from the account balance, which would have prevented other purchases ( that are pending and debited ) from being allowed to go through. Also, Santander customer service assured me that their calculator is never wrong and that purchases are debited immediately after appearing in the account and not held in pending without being subtracted from balance, as is the case now. And if purchases do not show up after being made with debit card, then they were turned down or cancelled purchases.

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
OnXX/XX/XXXXI received checks with my name and address but a incorrect phone number - I called the Bank to let them know I did not open an account with them. The customer service rep that assisted me closed the account and advised me to report this to FTC and to check my credit and check if my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm having a problem with XXXX XXXX CREDIT CARD ... .I NEVER USED IT AND THEY PUT ON MY CREDIT REPORT A BALANCE THAT IS NOT TRUE ... THIS CAUSED MY CREDIT SCORE TO GO DOWN 54 POINTS ... .I CALLED THEM AND THEY SAID THAT THEY WILL SEND XXXX A LETTER STATING THE ACCOUNT WAS CLOSED AND THEY REMOVED THE BALANCE TO A CHARGE OFF ... .IF THEY DID EXPERIAN NEVER FIXED THIS PROBLEM ... .PLEASE HELP

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 2021-04-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Per the attached log of disputes, I have twice tried to correct an incorrect address in Equifax 's records of my personal information. Despite being the victim of identity theft ( due to EQUIFAX themselves, of course ), they have cavalierly and recklessly ignored my requests to remove " XXXX, PA '' as a previous address. They know it is not a previous addressthat is where one of the identity theft frauds originated. 

I have attempted, a third time, this week to make this correction ( dispute ) over the phone with an Equifax employee. I have never received an acknowledgement of the findings or resolution or non-resolution of my previous disputes about this issue. Nothing. If it were not listed on their website, I would not have known. 

So many violations of the FCRA it makes my head spin. Of course, this error has probably now spread to the other two credit bureaus, so I will have to file disputes all over again with them again, and again, and again. 

I am beyond furious that they enabled the theft of my identity and I got no compensation except free credit monitoring, because, of course, my time and well-being are worthless. That is a rant, not germane to this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: CO

Complaint narrative:
Someone fraudulently filed unemployment in my name. I filed fraud with the Unemployment line and then still received a US BANK Reliacard stating it was for my unemployment benefits. I did NOT FILE. I do not want ANYONE TO HAVe ACCESS to an account. I can not reach a HUMAN BEING. I want this account closed

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 2021-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I contacted Transunion Credit Report and requested them to remove these collection. that is inaccurate information on my credit rreport listed per FCRA Section 609. and they still have not removed them I have requested these collections to be removed multiple time.. creditors do not list contact number or address. 
Collections listed : XXXX for amount of {$160.00} XXXX amount of {$940.00} XXXX XXXX XXXX in the amount off {$770.00}

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 2021-04-30 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
On XX/XX/2020, National Credit Adjusters add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. XXXX creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, National Credit Adjusters has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft and I have reported fraudulent accounts to Transunion, to remove account. I have provided copies of my US Identification, social security card, FTC report and Police 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 2021-04-30 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: DISCOVER BANK
State: LA

Complaint narrative:
Ive checked my credit report and notice unauthorized inquiries on my report from Discover Financial Service. I have never authorized it and that the creditor did not have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I called Discover and ask them to verify and validate and see me physical proof that I applied for this. Upon talking to the company they could see anywhere is there system bearing my name or any application. They also sent a letter to my home address verifying that I did not actual apply for credit. I called the credit bureau and I also disputed the inquiry and I with uploaded the letter that Discover provided me. XXXX told me that Discover would have to send them a correspondence stating for them to remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 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 — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit reports it has been well over 30 days in I haven't received any investigation reports.

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
On XX/XX/XXXX, I wrote a XXXX XXXX check to pay for a purchase. The amount was {$67.00}. The check was rejected with a printout from " Telecheck '' on the back. I had more than {$1500.00} in my account. I contacted the bank, and they said I needed to call Telecheck. When I called them, they stated I had a bounced check. Upon further asking, they stated that it was a " XXXX '' XXXX a local XXXX Texas bank ) check. I had a XXXX account that I closed out on XX/XX/XXXX. I had a checkbook lost or stolen about that time. 
Telecheck said that the check was written XX/XX/XXXX for the amount of {$190.00} to XXXX. They directed me to call XXXX. I did call, and I was informed that they did not have any record of a returned check after I had closed the account, and that the account was clear when closed. They instructed me to speak to a supervisor at Telecheck. I called back and did speak with someone who stated that the complaint or claim against me was by a company called XXXX. I asked why and how XXXX could essentially freeze my account ( unable to write checks XXXX because of a check written over 3 years ago. Also that I had not written any check just prior and especially after closing that account. I also said that XXXX never sent any correspondence or called me about this. 
The Telecheck supervisor stated they would turn it over to " claim investigation '', but they requested I fax them a letter from my old bank, XXXX XXXX Texas XXXX stating that the account had been closed and the date. They also requested a copy of my Drivers license, and a cover sheet with my name, address and phone number, with the case number on each sheet. I did fax the information to them and their investigation department. 
I know that checks to XXXX are processed immediately, and they do not ask for identification. If funds are insufficient, the checks are rejected. 
XXXX Texas told me that if a check had come in after the account was closed, they would have contacted me. 
I did not attempt to contact XXXX because of some questionable information I had seen when I looked them up on the internet. They have many complaints against them and reports of false claims they have made. 
I want to see any proof of an overdraft and returned check. Also I want to know where this check was written ( city or store ) and if there is a signature. I again state I did not write any check after the account was closed, especially over 2 months after it was closed. 
Unfortunately, I have a very common name and am alos wondering if this is a case of mistaken identity from Telecheck.

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 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I purchased a cell phone on XXXX which arrived cracked. the seller refused to accept a return, so i opened a case with my credit card company XXXX XXXX XXXX, who put the transaction on hold with paypal. The seller agreed at that point to send the refund, so i sent back the phone, and XXXX has closed the case. paypal, however, refuses to return the funds to the seller ( who would then send it to me XXXX, since they claim that they haven't heard from XXXX that the dispute has been closed. i called both companies repeatedly, and XXXX repeatedly insists that the case is closed on their end, and it seems to be paypal which is holding the case back, as it's been stagnant for months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I paid a debt in that it would be taken off of my credit report and now they tell me that they can't delete what it is that they placed there. The debt was for XXXX that I paid in XXXX of 2021. They did show a XXXX balance but refuse to remove.

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 2021-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Acceptance Corporation
State: FL

Complaint narrative:
The account was apart of my bankruptcy which was dismissed. Contact them multiple times to remove of credit report for the past two years.

Company response to consumer: Closed with explanation