vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Since XXXX XXXX, I was working with a loan consultant XXXX XXXX with Caliber Home Loans as I was looking to purchase a new home. I 've worked with XXXX XXXX in the past, and I trusted that she would help me obtain a new home loan as she did for previously. The presenting issue is that for nine months XXXX XXXX with Caliber Home Loans used deceptive, predatory lending practices in an attempt to obtain a home loan on my behalf that she knew I would not qualify to get. To explain further I just learned from a more reputable lender that I am only qualified to purchase a home loan for {$300000.00} when for 9 months XXXX XXXX with Caliber Homes provided pre-approvals for 4 different home in the range of {$400000.00} to {$640000.00} when she knew that I was in no way capable of obtaining a loan in that range. She knowingly continued to deceive me knowing that I was selling my current home, about to rent and own a new home that she provided a preapproval to purchase knowing that my XXXX only showed that I made {$39000.00}. She just admitted to this omission after she ran my credit twice, allowed me to go forward with putting my previous home up for sale and assisted in the sale of my last house, she knew I would lose a {$2000.00} deposit on a home I can not afford to purchase and never would have been able to buy because she has had access to my XXXX since XXXX. I took a loss of {$80000.00} on the purchase of my old house, lost my {$2000.00} deposit on the new home, {$1000.00} in moving expenses and the unfortunate owner of the house I am being forced to vacate is also impacted as his house has been off the market for 3 months because of her lies, deception an omission. Additionally, she stopped corresponding with me after she finally told me the truth. This is no how you treat someone you called " like family. '' Her tactics to use me to deceptively obtain a loan she knew I would not afford has harmed me financially and emotionally.  Now, I have to find a place to live again ( I just moved in XXXX because of her lies and sold my house ) as not to disrupt my children as well as deal with a homeowner who was also financially harmed. All of the above events took place from XXXX XXXX until XXXX XXXX. Additionally, Caliber Home loans serviced my previous home loan that another lender told me I should n't have received either because I did not qualify and they did not pay my taxes on that house. I did n't realize this until XXXX XXXX when a received a notice from XXXX County that they were putting a lien on my house for a tax sale. I had to pay those taxes out of my pocket because of the error. I still have n't been reimbursed for those fees either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Earnest Inc.
State: MI

Complaint narrative:
During the application process, Earnest requires that applicants provide the username and password for their direct deposit bank account. I 'm concerned about the security implications of giving the username and password for my bank account to any business much less a business where I am simply applying for a possible loan. How can they require that information be given?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I tried to make a payment and was forced to choose the following calendar day. This caused a negative mark on my credit report. I called and spoke to a supervisor and he saw in my account there were multiple errors messages on their system evidencing that I tried to make a payment on the actual due date but the system was simply not allowing it. The system stated that everything after XXXX XXXX PST had to be paid the following day. My payment was finally taken at XXXX XXXX PST after multiple tries earlier, which caused it to post the following day. Freedom Mortgage thereafter reported my payment 30 days late. Other banks will take the payment the day it is being paid and if it is processed the next day, it is still marked as received the same date payment was made. After years of having a mortgage I have never been over 30 days late with this company and they have refused to listen to my issue. A Freedom Mortgage supervisor has created a file to try and get them to resolve this issue. He stated after looking at my file that if it were up to him from everything he 's seen, he would have the negative mark deleted from my credit report. This supervisor does not have a direct line customers can access and I have not heard back. Given this bank has no physical location in Nevada and that my payment was timely but not accepted by their computer system, I do feel Freedom Mortgage 's practices are unfair.

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 2017-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
ON XX/XX/XXXX, WE WERE HIT BY HURRICANE IRMA. OUR HOUSE WAS DAMAGED AND WERE UNABLE TO WORK FOR THREE WEEKS WE WE WERE WITHOUT POWER FOR TEN DAYS. ONCE IN THE HOUSE, IN XX/XX/XXXX WE CALLED ALL THE CREDIT CARDS TO EXPLAIN THAT OUR STATE WAS DECLARED DISASTER ZONE AND IT IS MY UNDERSTANDING THAT ALL THE CREDITORS AGREED AND ARE SUPPOSED TO GIVE YOU ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS, AS PER AN AGREEMENT BETWEEN THE GOVERMENT AND THE CREDIT CARDS AND BANKS. 
WE HAVE AN ACCOUNT WITH BANK OF AMERICA, WE CALLED THEM AND THEY AGREED TO THE ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS. 
ALL THE CREDIT CARD DEFERRED THE PAYMENTS TO START TO COLLECTING THE PAYMENTS DUE IN XX/XX/XXXX AND TO WAIVED ALL LATE FEES AND ONLY COLLECT ONE PAYMENT PLUS THE ACCRUED INTEREST. 
NOW I RECEIVED A BILL FROM BANK OF AMERICA, THEY ARE NOT ONLY COLLECTING THE INTEREST, LATE FEES AND THREE PAYMENTS AT ONCE, THEY REPORTED ME TO THE CREDIT BUREAU FOR BEING LATE OVER 60 DAYS!

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 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I previously filed complaints with the Better Business Bureau that the company failed to respond to this year. 

I previously filed a complaint with the Consumer Financial Protection Bureau in XX/XX/XXXX of this year in which the company alleges that they validated the debt via mail without providing any proof. More than likely if they sent any vailidation as they alledge it was sent to an incorrect address. 

The company has since changed the date of last activity and date reported to this listing as XX/XX/XXXX which is a violation of the FCRA. Per their own statement in my last complaint they first reported this in XX/XX/XXXX but this is not what is currently reflected on their listing on my XXXX Credit Report. 

I am XXXX and I feel this company is trying to take advantage.

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 2017-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently open an account with Citi Diamond Preferred. I was never sent a statement, neither by mail, or email. I contacted Citi on XX/XX/17 to inquire why I was never sent a statement. I was told by the CSR that I was enrolled in paperless statements despite the fact that I never enrolled in, nor agreed to, paperless statements. The CSR informed me that Citi would be unable to remove the {$25.00} late fee. I immediately instructed the CSR to close my account and I made the minimum payment for the amount of {$180.00}. It is also worth noting that my credit report is excellent, and my payment history is exceptional.

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 2017-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX Checking account and Savings account with Chase in response to an advertised offer for {$50.00} when doing so. I was able to do so quickly online using a regular desktop computer. When I went to download the app, I was informed during the process that the app only worked on XXXX devices. My smartphone is an XXXX device, and I do not have any XXXX products. I immediately called Chase/XXXX to get the accounts closed. The request was put in. To date ( XX/XX/XXXX ) the accounts are STILL not closed despite numerous secure messages between myself and Chase. The 2 accounts have been removed from my account login, but the accounts are still open. Why does it take 5 minutes to open an account ( no less- from a device you can not utilize the account from ) and nearly a month ( or who knows how long, as I am not willing to follow up with this forever ) to close it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my Equifax Credit file. The company name is XXXX XXXX. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now Equifax has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate Equifax and make them aware of these are unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Sent by certified mail on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a dispute request to both Experian and XXXX  regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by US and Fed Bkruptcy XXXX XXXX Courts. I supplied both Experian and XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XXXX/XXXX/XXXX Experian sent a new credit report with my dispute results stating the company that reported the information has certified to Experian that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. XXXX simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XXXX/XXXX/XXXX three bureau report both XXXX and Experian continue to show a bankruptcy yet XXXX has no record of a bankruptcy.

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 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove address XXXX XXXX XXXX XXXX GA 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 non-monetary relief
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my XXXX Credit file. The company name is The Bureaus. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now XXXX has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate XXXX and make them aware of these are unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Sent by certified mail on XX/XX/XXXX and XX/XX/XXXX a dispute request to both XXXX and Transunion regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I supplied both XXXX and Transunion with a letter from the XXXX XXXX XXXX for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XX/XX/XXXX XXXX sent a new credit report with my dispute results stating the company that reported the information has certified to XXXX that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. Transunion simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XX/XX/XXXX three bureau report both Transunion and XXXX continue to show a bankruptcy yet XXXX has no record of a bankruptcy.

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 2017-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2017, I called my credit card company, Capital One, to request a reward check. I spoke with a woman named XXXX. She wanted to confirm the name of my business. I requested this card about 20 years ago, and at the time had a small business. After I ended the business, I tried many times to change to a residential card, but was told there really was no difference, and no need to change it. When I explained this to XXXX, she said she was " cancelling my credit card, immediately ''. She was very rude. She said if I wanted a card, I would have to request a new one. This card was compromised twice in the past year, and many of my monthly bills are paid by this credit card. Now I had to contact these businesses again. I will never use Capital One again. I was a customer for 20 years, and always paid the entire bill monthly. I called them and wanted a supervisor or manager, and got XXXX. She said there was nothing they could do, and refused to let me speak with anyone. I received a letter today from them stating they closed my account, as requested. It was signed by XXXX XXXX XXXX, XXXX with no phone number to call. This is pathetic customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Purchased a Mastercard gift card from XXXX on XX/XX/XXXX. When attempting to use card in XX/XX/XXXX was found to have {$13.00}. Investigating I found out that this card was registered to somebody else on the website. I called the prepaid debit disputes at XXXX ( XXXX ) XXXX they sent me a form " cardholder statement of disputed transaction '' to fill out and fax back within 30 days. I filled out the form and faxed it back to the number provided on XX/XX/XXXX. In XX/XX/XXXX after not hearing anything for a long time I recalled the dispute center and was informed that they did not receive a response from me. I informed them that I did respond practically immediately to there request and that I still had the from. I was then told to refax the form which I did. I have now received a letter from them saying that they can not they will not assist me due to the fact they did not get notification within 120 days of the purchase. I did everything in a timely matter and they did nothing. The dispute case number is XXXX. The debit card number is XXXX expiration date XX/XX/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 monetary relief
Consumer complaint received 2017-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
We moved out of the XXXX XXXX XXXX at the end of a one year lease XX/XX/XXXX. I lived in a different apartment at the same complex prior to the new lease dated XX/XX/XXXX. 
XX/XX/XXXX : A two month written notice and a verbal notice given. All debts incurred for the apartment paid as they came due. 
There is a report at the credit bureau dated XX/XX/XXXX showing a debt of {$3.00}, XXXX. A discrepancy was filed twice with XXXX. 
I received a letter from XXXX XXXX XXXX XX/XX/XXXX regarding the discrepancy. A letter was faxed with a copy of the XX/XX/XXXX vacating letter in response to the creditor advising the debt is n't owed. 
Hunter Warfield sent a notice that the company would speak with XXXX XXXX XXXX but no response. 
The credit report shows I now owe {$3.00}, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I was on the website XXXX. There was a link on that website for a {$200.00} Peoples United Bank checking promotion. I clicked on that link and opened a checking account. The requirements were : Have a direct deposit of at least {$100.00} within 60 days of opening the account and at least 10 debit card purchases of at least {$25.00} each post to the account within 60 days. I met those requirements in XX/XX/XXXX and the bonus was supposed to post in 90 days ( which it did not ). After contacting Peoples Bank numerous times and getting the run around, I was last told that I was not on their targeted list for this promotion which is why I did not receive the {$200.00}. The bonus language did not say anything about being on their targeted list. It was a link on XXXX with an offer of {$200.00} after meeting the terms and conditions. Please publish this complaint so others can come forward and perhaps file a class action lawsuit against the company for deceptive practices.

Company response to consumer: Closed with explanation