vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flatonia Investments, LLC
State: TX

Complaint narrative:
The reason of this report is for negligence and misconduct in our mortgage application process with Envoy Mortgage, which resulted in higher interest rate and incorrect down payment amount. The two national mortgage service license holders involved in this violation are listed below : XXXX XXXX, Senior Loan Officer MLS # XXXX XXXX XXXX, Regional Manager MLS # XXXX We were referred to Envoy Mortgage by our new home builder XXXX XXXX as their " preferred lender ''. We were provided with a rate quote at 3.7 % in XX/XX/XXXX by the loan officer, XXXX XXXX, but we were never informed to complete any documents or agreements in order to have the garuantee on that rate. We were under the impression that once the quote was sent to us, that rate was locked for closing. As we inquired about the loan process, XXXX XXXX never discloused the terms and conditions regarding the rate lock process or any action required to secure the quoted rate. In XX/XX/XXXX, as we approach XXXX for updates, she informed us that the rate has gone up and we were quoted at 4.0 % instead of the 3.7 %. Although we were misled to believe we already locked the rate at 3.7 %, we were then informed there is a payment to lock the rate for more than 30 days. We proceeded to follow the process of locking the interested rate offered on XX/XX/XXXX.  Because of the limited 30-day lock, we were forced to close by XX/XX/XXXX before the lock rate expired, which resulted in a short-turnover time and multiple mistakes on the closing paper work. 
We initially requested to put {$100000.00} for the down payment, but later changed it to {$130000.00} with written request through email to XXXX XXXX. He failed to respond to our request for this change, not even to inform us it couldn't be changed, and proceeded with the down payment as {$100000.00} on the closing documents. We had requested multiple times prior to closing to review the loan documents, which XXXX and XXXX failed to provide until the day of our scheduled closing, merely two hours prior to the scheduled closing time. We then noticed that the amount for down payment was documented incorrectly and there was no time to change at the closing. We were forced to close on the scheduled date with an higher loan amount then we agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. These are Unauthorized Inquiries Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2018-03-31 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: MI

Complaint narrative:
Hello, In XX/XX/XXXX I  purchased a vehicle. I obtained financing through XXXX XXXX, but recently saw that the dealership must have submitted for approval to more than one lender ( in reality they pulled NINE hard credit reports for me ). My understanding was they would submit a hard inquiry and the best rate was what we would go for. I am so heartbroken to see nine hard inquiries on my credit report, over a year later. My MAIN concern, is that 3 of them have duplicate pulls. 

XXXX ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

XXXX ran a hard inquiry on XX/XX/XXXX And AGAIN on XX/XX/XXXX. 

XXXX ( which I believe to be XXXX   XXXX ) ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

The others ran were : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have read in many places that credit reporting agencies allow hard inquiries for auto and home loans pulled within 45 to 30 days to count as one inquiry on your report, but sadly mine all show as separate pulls of my credit, nine times. This is impacting my ability to obtain fair credit across the board simply because the car dealership I selected shopped around unbenonced to me. Any assistance in how I go about removing or condensing these hard inquiries from over a year ago would be incredibly appreciated. 

Many thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: NV

Complaint narrative:
To : XXXX XXXX XXXX My Tax Exemption I.D . XXXX. XXXX # XXXX Stearns Lending LLC. VA Mortgage Loan Payment Dispute XXXX XXXX XXXX XXXX , Tax Exemption Payment Violation ; extortion. 
XXXX Floor I am XXXX XXXX XXXXXXXX Veteran. A XXXX  XXXX XXXX, XXXX  XXXX Veteran ; according to my Mortgage Payment Location. 
I am a XXXX XXXX XXXX XXXX XXXX. 
In reference to my VA Mortgage Payment, Stearns Lending LLC. Refused to remove or deduct my Tax Exemption from Escrow Payment. Which becomes a Breach of Contract according to our Law and Constitution. Americans with Disabilities Act ( ADA ) as I clarify here-above about my Status. 
Stearns Lending LLC decided to transferred my Mortgage payment to XXXX XXXX Due to my Complaints I filed through ( CFPB ) against them and their consumer financial violation on my VA Mortgage Loan with them. This Mortgage Loan was Transferred to XXXX XXXX on XX/XX/XXXX. Made Seven payments already to our VA Mortgage, in the amount of : {$1800.00} each month through Stearns Lending LLC.

Vulnerability from Stearns Lending LLC XXXX XXXX. According to the response, and, information defending violations ; have had they done to me and my VA Mortgage Loan with my wife. It also deemed especially egregious the disregarding to my Tax Exemption through-out 7 months of payments been made. I am sincerely asking for a rectification to our VA Mortgage Loan immediately. Otherwise, it is a breach of contract violation. Including under Americans with Disabilities Act ( ADA ) Federal Law of XX/XX/XXXX. 
I consider Stearns Lending LLC action and activity to my Mortgage Payment a breach of Contract. According to Federal Law is concerned for Veterans Home loan Rule & Regulation. They might trying to Revised VA Home Loan Contract to Finagle us Veterans with our VA Home Loan Benefits Unscrupulous and Maladminister conduct by Stearns Lending LLc. I still want to see a Rectification. By Refund all my Tax Exemption money they charged me for my Escrow payment since XX/XX/XXXX through XX/XX/XXXX. If the shoe is on the other foot they will know XXXX well how it feels. Walk a mile on someone else shoe you all XXXX XXXX Stearns Lending LLC. Pardon me ( CFPB ). it does triggers my ( XXXX ) for what they're doing to me and my wife and children.

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 2018-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased a vehicle and within the first week the engine caught on fire and the car was totaled. I had never made any payment for the vehicle. And the dealership commuter cars was supposed to nullify the deal. Instead they went and XXXX XXXX a payment in my name illegally trying to make me responsible for a vehicle I never received ownership of. They have put the debt on my credit report trying to collect a debt I don't owe. And have been u reachable yo try and settle the matter. As they know what they did was illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I recently sold my old, wheelchair accessible van online. I received payment by a buyer along with the shipping fee for a total of {$65000.00}. I was instructed to wire to the shipping company. The check was sent to me in the mail for {$65000.00}. Navy federal credit union said it would take 48 hours for the check to clear, after which the funds would be available to me. After the 48 hour period Navy federal credit union cleared my check. I then used those funds to wire {$22000.00} to the shipping company to ship the vehicle as per the buyers request. I used the rest to pay off some debt and the vehicle loan for my new handicap accessible van. The very next day my account reflected a {$65000.00} deficit. I complained to Navy Federal via  telephone. Apparently it was a scam. I was rudely dismissed by the phone representative and her supervisor and told that the 48 hour waiting period is really more like five days. I went into my local branch and talked to the manager who was more sympathetic ; but yet the manager still reiterated the fact that yes, indeed, I was told by the bank teller that processed the deposit of the check that the check would take 48 hours to clear before the funds would be available when in fact the period for a check to clear is more like five days. I told the manager that this wouldve been invaluable information at the time the funds were released to my account. I most certainly wouldve waited the additional 72 hours. And I left without a good answer as to why I was told I could access my funds after 48 hours, if in fact the waiting period is more like five days. Now Im stuck with the bill. Its hard to imagine Navy Fedrals motto is serving those who served. Not so much! 

Sincerely, XXXX. XXXX XXXX, XXXX, XXXX. 
XXXX Veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I didnt got permission to have my credit ran and I dont have a open account with this company!!!

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 2018-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I applied for a CC with XXXX membership services. I was denied a card due to a bankruptcy from over 27 years ago. I have very good credit yet Citi had a card in that BK and they are still using it to deny me from getting that card. They stated the information came from XXXX, yet when I ran my report there was no incorrect information ( Good job XXXX ) No Bankruptcy on that record. When I contacted customer service at Citi I spoke to two people both only using first names. To get to a specialists in this area of issue. Quite candidly XXXX told me that due to the BK in XX/XX/1990 That my application was declined. I was told that if my FICO level was spectacular or just higher ( That magic number that is elusive to all ) I could have been accepted. The question begs to answer ... how long can a credit card company hold a BK against you? I was XXXX then. Thanks to that BK I changed my life and was a better person with things financially. Now I am XXXX. Ya think there is anything wrong with that picture? XXXX was painted as the company I can dispute the false reporting of my BK. Yet the facts here are written in stone and the past is never forgotten on Citi 's ledger.

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 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called capital one on XX/XX/18 at XXXX XXXX   mst to inquire about a forebearance or workout option. Due to medical issues, we have experienced a reduction in income as well as a substantial increase in medical expenses. I explained that due to the unexpected changes, I am unable to make my minimum monthly payment. I was told by the original representative that no options were available to me. I inquired why and was told that the reason was because the system said so. I escalated to a manager who identified himself as XXXX who was quick to inform me the system said he cant help us and the only thing he could do is waive a late fee. He then said in a frustrated and sarcastic tone, " I don't know '', and ended the call. He did call back at XXXX mst and say it was the system that disconnected him. I asked to be transfered to the office of the president to lodge a complaint and was told he could not transfer us or provide the number or address because they do not have an escalations or complaints department. He indicated that the only option was to provide an address to genrral corespondance. I declined. I asked for his manager and the call was then connected to XXXX, agent XXXX who said he can help by taking a survey to see if we qualify. After guiding our answers and using the info he wanted to put into the tool, he ran our info and said the system denied us and he doesnt know why. We asked for a reason or a letter explaining denial and he said they can not provide either, as its up to the system to decision and nobody knows the logic behind the decision engine. He said the only other option was to do a settlement where we come up with the entire amout in 2.5 months and they close the account. I informed him that again, as stated, I couldnt make the minimum payment and that was not a viable option. I advised I felt it was against the law to deny me without an adverse action letter and agreed but said that no letter exists, as the system makes all decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Opened an account with Chase in person, received all documentation for the account along with debit card. The next day I received a later stating that my account will be closed and no reason was given. I called on XX/XX/18 after I received the letter, and the agent couldnt find a reason either. Only that the decision is non-reversible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I didnt got permission to have my credit ran and I dont have a open account with this company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2017 I sold my lite coins shares on the Coinbase consumer site. I attempted to withdraw XXXX From my Coinbase account. I have not received the amount withdrawn. Coinbase customer service has claimed they escalated the claim and passed it to specialists. I have yet to hear back from any representatives of coinbase and still have not received the money. After numerous attempts I am unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: FL

Complaint narrative:
XXXX XXXX has an item on my credit report. I attempted to dispute the item with XXXX XXXX directly, with the address that they provided on my credit report XXXX XXXX XXXX XXXX Mn XXXX. The certified letter was sent back to me, address un-deliverable. I disputed the item with TransUnion and XXXX given they have false information on my report. I sent them a copy of the letter that was returned to me. TransUnion responded saying that the item met FCRA, in which it does not as they are reporting false information about me. XXXX   stated that the item would be deleted, however it still remains as of XX/XX/18.

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 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have sent out letters requesting validation of debt via contract with live signature to which I have received none. I have sent out letters via certified mail so I have proof of them being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: FL

Complaint narrative:
I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a XXXX XXXX  collection on my account that is not mine. I have called XXXX XXXX telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.

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 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX my wife ( XXXX XXXX ) and I purchased a couch for {$3000.00} from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. The payment terms were {$51.00} per month for 59 months and the remaining balance to be paid in month 60. For theXX/XX/XXXX bill due on XX/XX/XXXX the payment was processed onXX/XX/XXXX For theXX/XX/XXXX bill due XX/XX/XXXX, 2 payments of {$51.00} we made and processed by CapitalOne. An automatic payment was scheduled where CapitalOne was to receive payment by the XXXX of every month. 

My financial documentation shows all payments for fiscal year XXXX were paid by the XXXX of each month. Please find the attached proof of payment documentation provided by my financial institution XXXX. CapitalOne in a written letter to my wife and account holder, states the account ending in XXXX has been delinquent since XX/XX/XXXX I am not sure how CapitalOne defines delinquency, however, as stated earlier, the attached proof of payments disputes any delinquency. A final payment {$1400.00} was made on XX/XX/XXXXto pay off the original balance of {$3000.00}, 3 years 8 months after purchasing the coach and more than 1 year early from the original terms of the financing agreement. Since then Capital One has harassed my wife saying, we owe additional money due to late fees and interest fees. The attached documentation proves all payments were made on-time and no late fees or interest charges should have ever been assess to her account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-31 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have been the victim of ID THEFT and have been trying to reach out to CHASE CARD in regards to discussing the fraud account they keep reporting on my credit report. I did not open nor obtain the credit card that they are reporting. I keep playing phone tag trying to speak to someone! I have sent them several supporting documents as well as a ID THEFT affidavit and police reports. The date there saying this account was opened was XX/XX/2015 with a supposed  balance of {$20000.00}.

Company response to consumer: Closed with explanation