vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Panorama Mortgage Group, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX the sellers of a home I made a offer on accepted and I was under contract. Closing should have been easy considering my credit score was above 700, I made over six figures and the loan on this property was only XXXX. What I didn't know is that the lender I was working with left Alterra and no one took over my file. The file collected dust for almost 3 weeks. That is what someone from Alterra admitted to me. the lender asked to file, in total, 4 extensions to push back the closing date with no explanation. I have already invested over 17k, with XXXX earnest, XXXX architecture fees and {$750.00} transfer stamps, appraisals and home inspection. Once someone started working on the loan there was no sense of urgency. I had a hard time getting a hold of anyone working at Alterra and the lack of professionalism was unbelievable. I am a real estate investor and will never use them again!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
2nd Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Application for loan forgiveness completed XX/XX/XXXX for loan taken XX/XX/XXXX denied XX/XX/XXXX page 3 section IV Of my application for forgiveness I indicated I DO NOT hold a XXXX XXXX XXXX or XXXX  and XXXX XXXX XXXX FAILED TO INFORM me that this would inhibit my ability to utilize my education to find employment. This would fall under the Borrower Defense Regulation for : False Certification of Ability to Benefit Discharge however my application was still denied and I was also informed that I do not have access to my educational transcripts proving that these units were completed so that I am be able to prove that I attended this school

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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:
The accounts transaction listed was not done by myself. Please delete immediately. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I have unauthorized transaction on my TCF Bank Account and I filed a dispute with TCF and send them an affidavit statement of the dispute and my dispute was declined. They did not give me temporary credit nor investigate the claim XX/XX/2020 XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
ESO Corporation, is in violation of 15 U.S.C 1692-1692p. On 2020 XX/XX/XXXX I XXXX XXXX do swear that I received a phone call at work from a Representative of ESO Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692 ( d ).

The individual calling did not want to provide information to me that would help me to understand the propose of her call. I was unable to talk at the time of the initial call, so i called back and spoke with a several members of the staff. 
I verified with them my name, and the number in which i was calling from. Each person i spoke too was unable to provide the purpose of there call unless i provided them with additional personal information. Each person i spoke with was both abusive and oppressive with me on the call in violation of 15 U.S.C.1692 ( d ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I purchased a XXXX  XXXX XXXX from XXXX Grapevine in XX/XX/XXXX. Dealership could not work with my local credit union since it was in another state and secured financing through TD Auto. I refinanced the vehicle through XXXX XXXX XXXX in late XX/XX/XXXX/early XX/XX/XXXX. In the process of applying for a new mortgage, I pulled my credit report and see that TD Auto is showing a {$44.00} balance. TD Auto has been less than forthcoming and somewhat deceptive. They tell me that they have no record of quoting a 10 day payoff, but they are telling me that when they received the payoff from XXXX, it was 3 days late. XXXX has records showing the check was mailed in plenty of time, but TD Auto has been unwilling to work with me and waive the {$44.00} fee. XXXX XXXX has said that do not waive these fees. Then they said they can not. Then finally they said that they just don't want to. They have me over a barrel for {$44.00} on a {$70000.00} loan and are unwilling to work with their customer. They have also been unwilling to expedite this account updating on my credit report and unwilling to provide me with a letter showing this has been paid off. My mortgage broker wants this to show as paid off & closed on my credit report to boost my score a few points and secure me a better interest rate. I may end up paying a higher interest rate because TD Auto does not care about their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Case # XXXX. 
I would like to reopen dispute the transaction for $ XXXX.XXXX XXXX USXXXX XXXX WA .I received broken mirror, that I returned Return Tracking : XXXX. the return was delivered back on XX/XX/2019. 

Merchant confirmed getting return back however refund was never issued. See attached documents. I disputed this transaction however I got billed back for something that's I already returned.

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 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I RETURNED THE GLASSES TO THIS COMPANY AND THEY HAVE NOT REFUNDED MY MONEY YET!!! THEY HAVE LIED TO ME CONSTANTLY ABOUT THE REFUND POLICY AND I CANT GET NEW GLASSES BECAUSE THIS COMPANY HAS NOT REFUNDED MY MONEY. I WENT TO THE LENSCRAFTERS IN XXXX ALABAMA ITS JUST A BUNCH OF RACIST, INSENSITIVE PEOPLE WORKING THERE THAT DON'T CARE

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 2020-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America closed our two BofA credit cards without notice on or about XX/XX/XXXX. 

My husband and I have been Bank of America customers since XX/XX/XXXX - going on 36 years. The credit cards that they closed were opened in XX/XX/XXXX and XX/XX/XXXX, so the credit card accounts were 35 and 30 years old,  respectively. Both of our credit scores are in the 830s out of an XXXX scale. But closing out {$25000.00} of total credit on two 30+ year-old accounts will eventually have a significantly negative effect on our credit profile. 

BofA claims the reason the credit cards were closed is that I did not respond with information requested in a letter they claim they sent us. We have no recollection of receiving a letter. BofA also froze our checking account over this same issue. 

Once this freeze was discovered, I immediately called in on XX/XX/XXXX and answered four questions over the phone, and the checking account was immediately unfrozen. Below is the information they asked for over the phone, which is pretty basic and which was already available to them, but which they claim led to the credit card accounts being closed : * SSN * Address * Date of birth * Are you a US citizen ( yes ) That's it. No other information was needed to unfreeze the checking account. But the credit cards remain closed and BofA refuses to reopen them, with their stated reason being we did not timely respond to the information requested. They claim they can not reopen a credit card account once it is closed. Incredible. 

This is not how Bank of America should be treating long-time customers in good standing.

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 2020-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DLC, LLC
State: NV

Complaint narrative:
The company, dollar loan center, calls my personal phone and my work repeatedly around 10 times a day. I have the times and dates in my phone log if needed. They are getting me in trouble with my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX ( XXXX XXXX  ) - Dispute Customer # XXXX {$87.00} To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. 
I challenge the accuracy, compliance and reportability of this listing.I never gave consent to any documents or subscriptions. 
There is no valid claim, no contracts exist. 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
They call me every day. I have a baking business so answer every phone call. They call from my area code and prefix. 

" Hi, this is XXXX from Chase Bank '' I block the call every day, tell them to take me off the list, threaten states attorney, they hang up and just call from another number. IM SICK OF XXXX. 
Please help me. 

I don't have a credit card. 

The images I sent. All the 815-440 nimbetscwere from XXXX from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
At XXXX XX/XX/XXXX I received a call from " unknown ''. The lady immediately told me " I am trying to reach XXXX XXXX, or leave a message of urgent importance regarding documents ''. I offered to take a message rather than confirm my identity. She provided no company name but told me to call XXXX and reference XXXX for " documents to be served from XXXX County Courts ''. 

Upon calling back at XXXX a new lady answered " corporate, how can I help you ''. I provided the reference number, and my name. She asked " how can I help you '' to which i replied I do not know, you called me. She " documents were served, did you receive them? '' I asked who she works for to which she finally replied " XXXX XXXX XXXX '', still not telling me the intent of the call or that it is to collect a debt. She verified my address and last four of social before offering to tell me why. After a brief hold she came back on the line to state " We are attempting to serve papers for civil suit filed for a Bank of America debt ''. 

I informed the lady the debt has been paid since XX/XX/XXXX and I have pay off letter. She offered a fax number XXXX. I asked for an address to send certified, to no avail. 

They have also called my ex-sister in law from 8 years back, my grandmother, my old roommate, and more all in one day.

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 2020-02-19 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: United Revenue Corporation
State: TX

Complaint narrative:
I do not owe UNITED REVENUE CORP this debt, they have no debt validation for this debt. I have no contract with UNITED REVENUE CORP. Also UNITED REVENUE CORP is in violation of my HIPPA rights. I never authorized UNITED REVENUE CORP to hold my medical records. XXXX  is also in violation of my HIPPA rights posting medical debts on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TX

Complaint narrative:
I do not owe XXXX XXXX XXXX this debt, they have no debt validation for this debt. I have no contract with XXXX XXXX XXXX Also XXXX XXXX XXXX is in violation of my HIPPA rights. I never authorized XXXX XXXX XXXX to hold my medical records. Experian is also in violation of my HIPPA rights posting medical debts on my credit 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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I claimed bankruptcy in 2007, but did not include my mortgage. my mortgage was kept in excellent standing. during that time, Wells Fargo 'bought ' my loan. 
since that time, they have not included my husbands name on the account and/or billing statements, they are not reporting the my payments on my credit report and i, as well as our attorney has contacted them to no avail.

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 2020-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: MA

Complaint narrative:
1. On or about XX/XX/XXXX Sallie Mae Bank agreed for the loan mentioned above ( amount {$10000.00} ) and decided an interest rate of 10.875 %. This violates the Mass Gen Law Chapter 93A, Section 9 in terms of charging a consumer higher rates than the market, published or advertised price. 
2. On or about the last week of XX/XX/XXXX, we contacted Sallie Mae where the balance of the loan went up to about {$16000.00}, and we suggested to pay the whole balance in four payments over 4 years, each payment {$4000.00}, starting from the beginning of XX/XX/XXXX, and to stop or freeze the interest, and they agreed. However, when we checked the balance in XX/XX/XXXX, we found an additional interest of about {$1400.00}. When we contacted the manager, Mrs. XXXX, on XX/XX/XXXX, she said that these agents, who agreed for this, are the third party and we dont consider their statements. This violates the Consumer Protection Law since the business does not meet its warranty agreement. 
3. In all times Sallie Mae fails to tell us relevant information regarding this loan ; and we never received any letter concerning the status of the loan ; even after contacting Mrs. XXXX when she said that she is going to send a letter with all the information. This action violates the Consumer Protection Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Mr. Cooper reported our mortgage 30 days late on my Wife 's credit report. We have had auto pay set up with Mr. Cooper ever since they acquired the servicing rights. In XXXX of XXXX we had the auto draft set up to come out the XXXX of XX/XX/XXXX. Mr. Cooper per the records provided didn't draw the account the XXXX which was a Friday or the XXXX which is a Monday. Mr. Cooper didn't draw the account on the XXXX XXXX or XXXX. Mr. Cooper drew our account 2 days later on XX/XX/XXXX $ XXXX at which time I transferred {$1000.00} from our XXXX savings account and my Wife was also getting paid {$2400.00} on XX/XX/XXXX and was posted the same day. The available balance was {$1700.00} on XX/XX/XXXX. That same day the Mr. Cooper payment was returned in the amount of {$1200.00} denoted as simply " credit '' on our online bank statement. XXXX XXXX record show the payment was made and returned on the XXXX which is not the case. Per our personal balancing we had the {$1200.00} in the account the whole time. Once we got past the holidays and after XXXX XXXX XXXX we checked the mortgage account and it said that the account was still past due for XXXX 's payment. Upon closer investigation realized the mortgage was credited back to us and paid both XXXX and XXXX 's payments on XX/XX/XXXX but did not post until Monday XX/XX/XXXX. We called Mr. Cooper during business hours XX/XX/XXXX to find out that they had already reported our mortgage as 30 days late to all 3 bureaus. I asked if they tried to contact me about the matter before reporting the 30 day late and they had not tried to reach out to me in writing or verbally. They never tried to draw on the account again either. I asked them to investigate the matter and get back to me and the representative exclaimed they would get back to me in writting in the next 30 days. Today is XX/XX/XXXX and I still have not received any communication in regards to the matter. I have all the statements showing the exact flow of funds and don't see how my wife is going to have a 30 day mortgage late when they were paid once which they didn't draw until XX/XX/XXXX which was supposed to go out on the XXXX or XXXX, credited the money back to us for whatever reason, and then 20 days later once the error was discovered by us paid again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received my settlement check from the University of XXXX  and deposited into my savings account on XX/XX/XXXX. At that time, the teller released {$200.00} and stated that {$4800.00} would be available XX/XX/XXXX and the remaining XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I went to the bank to meet with a banker regarding opening a checking account with some of the funds that should have been available. He stated that the back-end office put an additional hold and not only is the {$4800.00} not available but now I have to wait until XX/XX/XXXX to receive any of my money! The banker called XXXX XXXX ( who issued the check ) and they stated that the account of the issuer was good and had the funding available but the back still refused. I do not think that I should have no access to my money for this length of time when the university, lawyers from both sides of my case, and the issuing bank Can verify the check is valid and payable. At least XXXX should have been made available. I need assistance in resolving this issue.

Company response to consumer: Closed with explanation