vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have a 30 year fixed rate non conforming conventional 1st mortgage from XX/XX/2016. At the time we bought the house and took the loan, we knew that we wanted to recast the mortgage in a few years. Our loan was initially with Everbank and the mortgage broker, XXXX XXXX, specifically told us that we were allowed a one time recast, which would reset our monthly payment obligations, if and when we made a large principle payment. About 1 1/2 years into our mortgage, we were notified that TIAA was now the new servicer of our loan. About a month ago I contacted TIAA to find out what I needed to do to recast the loan as we want to pay of 2/3of the principle now. I was told that TIAA would need to get approval from the owner of our loan. I had no idea even that TIAA was not the owner of the loan. In any case, we received a letter that our request was denied by our lender, but I could not even get a clear answer of which bank or who owns the loan. And I couldnt find out why we were denied. Now with Covid. And our income greatly reduced it is even more important to get our monthly obligations as low as possible. After speaking to several different banks, that supposedly own our loan according to TIAA, ( XXXX XXXX and XXXX XXXX XXXX XXXX Branch ), howeverbothof them report that they do not own the loan! So it is completely unclear who TIAA even sent the request to recast our loan and it is unclear why we would not be allowed to. You would think in this time of Corona and people scrambling for assistance with paying the mortgages, that the bank and services would be thrilled to get at least a guaranteed payment of something! 

I have made multiple calls or emails to TIAA, XXXX XXXX and XXXX XXXX. Everyone has been anxious to help, but I still have no answers to who owns the loan and why the rules have changed and I am no longer able to recast.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been having an issue with synchrony bank/care credit. I am uploading the documents. I received a letter from them stating there was an error on my statement for interest charges and Late fees and they will correct it. There is supposed to be no interest on this card. The next complaint is they lowered the credit line again from {$4800.00} to {$1500.00} again they did this once before I complained and they gave me back the original credit line now they took it back again and lowered it which is not right. The other complaint is they only issued {$13.00} credit but yet charged me {$2.00} in interest again. My balance is wrong its not XXXX if they take off the interest and late fees it should be {$1000.00} this account needs to be paid in full before XX/XX/XXXX of this year 2020 before it will start accruing interest. This card was 2 years no interest if paid in full by XX/XX/2020 but they are not crediting my account correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I had a personal line of credit with XXXX  XXXX XXXX. XXXX  XXXX XXXX sold my loan to specialized loan services. The transaction took six months to get all theAll the paperwork. So in the meantime I am paying specialized loan services, XXXX  XXXX XXXX Computer doesnt realize that I making payments to new lender. So I received from the credit bureau 90 days late. Wrote a letter to XXXX  XXXX XXXX explaining what happened, they said according to their records everything was done correctly. Now specialized loan services is also said Im 90 days late on payment. So I have XXXX in mortgages the value of the property is {$1.00} XXXX and I cant refinance because of the late reporting. 

I tried to make up the late payments and specialized loan services said Im too far behind even though I had more than half the money to make up the arrears And now with the coronavirus I have no ability to make the payments to specialized loan services which is the second mortgage now I gather. 

So by complaint is my line of credit went from {$1000.00} a month for XXXX which I paid for close to eight months and now with my credit problem Im on able to refinance my house and Looking for 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 explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
Due to the current COVID-19 virus situation which impacted our jobs, I contacted Sallie Mae today ( XX/XX/2020 ) to ask for forbearance but I was told that the decision will have to be made later and even if it is granted the interest on the loans will continue to accumulate and I deem this as greediness on the part of this company considering that it was no fault of any citizen of the country that this situation came into existence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The Payroll Protection Protection program is out today through the Government. I went to my bank of 25+ years, Bank of America , and they denied my loan because I didn't have an existing loan or credit card with them. Decades of loyal use of their bank meant nothing. This PPP is literally a life-line for my business. If I don't get it, I'm laying people off in a week or two. The whole purpose of the PPP is to keep people employed so they don't add to the massive unemployment rate, yet Bank of America added a stipulation ( which has nothing to do with the gov guidelines ) ... they're actually requiring their customers to have an open loan or credit card with them. So they're prioritizing customers based on how much money they're making from them, such as interest made on loans or credit cards.

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 2020-04-03 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:
contacted company to inform them of such mistake on my report and they informed me that account were verify without telling how they verified it to prove it was mines.

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 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: MD

Complaint narrative:
This is not my account. I have no idea why this company is contacting me about this account. No knowledge at all. sent company a letter

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 2020-04-03 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: FL

Complaint narrative:
contacted company to inform them of such mistake on my report and they informed me that account were verify without telling how they verified it to prove it was mines.

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
contacted company to inform them of such mistake on my report and they informed me that account were verify without telling how they verified it to prove it was mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I, XXXX XXXX, tried to cash a check in the amount of {$950.00} at Chase Bank. The check was deposited and never received because my bank account was closed. I contacted Chase Bank to resolve the issue or return my check and neither issue was resolved. On the week of approximately XXXX, XXXX, 2019 ( about a year later ) They told me to come into the branch the check was deposited with my government issued ID. However, due to COVID-19/Corona Virus I was unable to comply to this request. This check is not necessary but needed for me to pay rent and buy food as soon as possible. The time lost can not be repaid but moving forward i expect the money that was my right to own be repaid in full. As soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Hi, I called XXXX  XXXX XXXX 1st and been on hold for 3hours dealing with 4 different representatives.. 
The last one helped me stop the payment BUT square is refusing to refund me my funds, The person said they will refund me the money and never did, I called them they gave me XXXX XXXX. 
I have text messages of it ... And email 's with square that they are not helpful payment processors can reverse a payment ... I been scammed and I notified all parties ... XXXX  XXXX XXXX help they did not do I'm reaching out to you guys ... Help me thx ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX amount XXXX us department of education filed ftc report I am a victim of identity theft please remove and block account XXXX  found to b unverifiable XXXX   and Equifax still reporting the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express promotes their Blue Cash Preferred Card as 6 % cash back, but doesn't recognize simple grocery stores as XXXX XXXX as qualifying for the 6 %. Their definition of a " supermarket '' is narrow, and isn't clearly stated in their advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX TO : Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, DC XXXX SUBJECT : MORTGAGE LOAN APPLICATION DENIAL This complaint is in regard to our loan application for a refi made to JP Morgan Chase Bank, NA on XX/XX/XXXX. My husband and I feel we were wrongly denied for the following reasons below : 1 XX/XX/XXXX : Prequalification letter received from Chase Bank XXXX 
2 Documents dated XX/XX/XXXX : A Lock-In Agreement and Mortgage Commitment Letter was issued or 59 days elapsing with acceptance given. Schedule A Conditions 1-9 were met with documentation provided to Chase.

3 Documents date XX/XX/XXXX : A new Notice of Counteroffer, Mortgage Commitment Letter, and Lock-In Agreement was received. Again, Schedule A conditions 1-5 were fulfilled and submitted to Chase. These conditions requested were the same as the documents submitted on XX/XX/XXXX! 
4 XX/XX/XXXX : Received email from XXXX XXXX , loan officer, again asking for the same information as # 2 and # 3 above ; which was provided. 
XXXX XX/XX/XXXX : Statement of Credit Denial, Termination or Change letter received for : ( a ) excessive obligations in relation to eligible income ( b ) value type place or condition of collateral insufficient or unacceptable. 

The manner in which our application was processed demonstrates sloppy banking procedures and a disregard for the laws governing mortgage applications. When a counteroffer is given and accepted with all conditions for a closing met, our expectations were for a closing to follow. However, when the very same reasons for denial are used to determine a loan, one must wonder if the inconsistency was not intentional, if not deliberate, since a counteroffer and commitment was extended based upon those very same factors.

Additionally, within the past fifteen years my husband and I have been approved for mortgage from Chase Bank on the very same home and income ( XXXX and XXXX, respectfully ), above average credit scores ( XXXX XXXX, XXXX and XXXX ; XXXX XXXX, XXXX and XXXX from the top three credit bureaus ) with the only exception is our ages. Both mortgages were in good standing with Chase as is our current one ( again with Chase Bank! ). 
It is therefore our question, how many retirees with a XXXX and XXXX, respectfully, credit scores does Chase decline? Although we feel singled out in this experience, we wonder if Chase is discriminating against an age group in spite of acceptable credit? 

Respectfully submitted, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
In reference to XXXX : The CARES Act states that XX/XX/2020, is included as one of the wage garnishment refund dates. My paycheck was not valid until XX/XX/2020, and the payroll company can not put the transfer on the accounting ledger until XX/XX/2020. 

The perpetrator 's comment : " As for the complainant 's XX/XX/2020 paycheck addressed in his complaint, that garnishment will not be refunded as the payroll company had already processed that prior to this Act being effective. Any payments processed after XX/XX/2020 by his payroll department will be refunded to him. The refund and suspension process are steps that take time and do not happen immediately. '' Delta Management Associates is out of compliance with the law as the CARES Act includes XX/XX/2020, as a payroll date in which wage garnishments are to be refunded.

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 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email stating I had a receipt for the purchase of " XXXX XXXX '' in the amount of {$190.00}. I immediately logged into my Chase checking account and noted the pending transaction. I then called Chase right away to alert them that someone had made a fraudulent charge to my debit card and to please freeze me account, file a dispute for the charge, and send a new card. They did all of the above. However, to my surprise, I received a notice on XX/XX/XXXX that they " found that the transaction ( s ) was processed correctly or was authorized. As a result, we are removing {$190.00} from your account on or after XX/XX/XXXX. '' I immediately called chase again and asked them to explain why a fraudulent charge was being removed from my bank account. Their response being, and I quote, " because the company was able to provide your email address as proof that you made the purchase. '' What?! This is why Chase allows fraud companies to steal from their clients? I could find anyone 's email address on XXXX if I wanted! I explained that I had moved from the address that the item was being mailed to, a month prior to the purchase. Why would I order something and have it shipped to an old address, literally across the country? To be clear, I moved from XXXX  on XX/XX/XXXX to XXXX XXXX. This is evident in the official change of address provided by the Postal Service. The Chase representative stated again, because the company was able to provide my email address as proof that I made the purchase. This makes no sense. Chase allowed a fraud company to steal {$190.00} from my checking account. I will be closing my Chase account, however, not before I get the money I worked for, back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: IL

Complaint narrative:
XXXX amount XXXX us department of education filed ftc report I am a victim of identity theft please remove and block account XXXX  found to b unverifiable transunion and XXXX  still reporting the account

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and Equifax XXXX XXXX. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: FL

Complaint narrative:
Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and XXXX  Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I called in to make a payment to Target Credit Services on XX/XX/XXXX. I had been going through a lot with my XXXX  being in and out of hospital since she was XXXX  and so I was forgetting to pay the Target card. I decided to pay it off and close the account. I did the auto pay. I didn't know it at the time, but I had accidentally entered an extra " XXXX '' in the checking account number. The payment did not go through. I got another bill and called to find out that the payment did not go through on XX/XX/XXXX. I spoke to a representative and made a payment over the phone. I read my checking and routing number from the check I was holding in front of me to the representative. 1 week later I called because I was I did not see the withdrawal from my account. The credit card representative assured me that the payment had gone through and my balance was XXXX. 

I received another bill at the beginning of XXXX showing an outstanding balance. I decided at that point to just write a check and mail it on XX/XX/XXXX. The only reason I was calling was to get the payment in ASAP, but I continually had problems. I made a complaint to XXXX XXXX XXXX  when I saw that they were constantly having trouble receiving my payment. 

The check finally cleared. I called Target because I saw that my credit score was being affected. I spoke to a manager to find out what they had taken down in XXXX for my checking account number. I found out that they had an extra XXXX still in the checking account number that didn't belong. I explained to the manager that I read the check number verbatim and there should not have been a problem. The manager told me that she believed that the checking number was not updated by the representative from when I tried to make payment in XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recoveries, Inc.
State: CO

Complaint narrative:
Zero contact was made after the debt was supposedly resolved, I only found out when checking credit score. The amount at the time of the credit check in XXXX of 2020 was XXXX ( roughly ) which increased to XXXX ( roughly ) at the beginning of XX/XX/2020. 
I had sent a letter out from my attorney beginning of XX/XX/2020 and no response was received by me or my attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation