vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUIDANCE RESIDENTIAL, LLC
State: CA

Complaint narrative:
Around XX/XX/XXXX, I thought I have finished submitting all documents needed for my refinancing request. 

My interest rate right now is XXXX. 

My loan officer informed me that the process wouldnt be as exhaustive as the initial one. 
When I first submitted my first request to purchase a house for the first time in my life, I was making about XXXX. XXXX XXXX and XXXX XXXX dollars net a month. They were the sum of my social security income and a state pension. 

I was approved, so I thought now that I am working as a XXXX  XXXX  making about XXXX XXXX dollars a month would make my refinancing request even easier. 

My credit score at the time of my request was XXXX. 

On XX/XX/XXXX, I received a message from Guidance residential, notifying me that my application has been conditionally approved. 

I started communicating with my loan officer XXXX . 

XXXX XXXX, whom I told that I am not pleased with the company asking for more documents. He informed me to Waite. On XX/XX/XXXX he requested some clarification regarding a specific credit card which has about XXXX in balance. 
I submitted what he requested. 

However on XX/XX/XXXX, he informed me per a phone conversation that the company determined that I have not been working for two years and my debt is too much and unless I pay the whole card off, my request wont be approved!. 

I tried to explain to XXXX XXXX that when I first applied for a mortgage through their company I wasnt working with this security company and they know that, so it doesnt make sense to base a denial decision on it, and also my credit score is good, I have never missed a payment to them or to any of my credit cards. 

But that wouldnt change their mind. Then I requested some information that shows the laws and legal procedures regarding this issue and the criteria by which a denial or approval can be determined, so that I can see where are my shortcomings. 

In response to my request, XXXX XXXX, emailed me some thing that say to the effect that its mandatory to work more than 12 months so its not two years as he informed me. 

I asked XXXX XXXX if I work until I pass the 12 months required, would I be able to apply again. 

He didnt answer my email nor my phone message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA engaged in a deceptive act or practice by taking the wrong amount due for my auto insurance payment. I signed up for minimum amount due ( $ XXXX monthly ) to be deducted on the XXXX of each month ( see attached docs dated XX/XX/XXXX and XXXX ). Instead USAA deducted the whole statement amount ( {$800.00} ) on XX/XX/XXXX. 

I called USAA to resolve this issue and was told by the backend office that the new payment will take effect in XXXX since I already paid the whole statement balance. USAA representative stated during the phone call that she saw notes where I changed the payment to minimum amount due. She received an answer from the back end office that they will change it in XXXX. 

USAA engaged in a bait and switch tactic by taking the whole amount due instead of minimum amount I signed up for ( see attached docs ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Unauthorized Debit XXXX from my account on XX/XX/2020 sating that my sons ( XXXX years Old ) account had negative balance dispute was not resolved on XX/XX/2020 and they withdraw from my account without my consent and overall i am not obligated to pay for that amount some one in Bank of America did the the fraudulent transaction on my sons card and that is not our fault mostly nothing to do with me even as per law any responsible party should be obligated for only 5 % of disputed actual amount please help me to resolve this issue we are going through so much hardship due to COVID 19 and upon this kind of issues will harm my family financial situation Reference bank transaction is below is below XX/XX/2020 Show additional information for activity type debit XXXXRECOVERY FOR FORCED CLOSED ACCOUNT XXXX  XXXX  XXXX XXXX activity type debit status type icon cleared Cleared. Select to mark activity type debit XXXX RECOVERY FOR FORCED CLOSED ACCOUNT XXXX XXXX XXXX XXXX as Reconciled 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 explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was CAPITAL ONE BANK USA NA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: CA

Complaint narrative:
I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with transunion, XXXX  and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX  and XXXX however transunion sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Requested early part of last year for Kohl 's to place me on a DNC list. They did not comply and I continued receiving texts and calls from the. When I tried t communicate this they hung up on me and would not assist. They kept calling during work from several numbers XXXX, XXXX, XXXX, XXXX. Have asked them to call me back but they do not contact you back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 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:
This account reported by XXXX XXXX is involved in litigation I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/2020, AMAZON featured a new XXXX laptop for purchase through a third party marketplace seller. But its seller sent me a " refurbished '' unit worth hundreds less instead. I complained to AMAZON and it suppressed my feedback. It also gave no support in return process. SO it was returned on XXXX to AMAZON 's warehouse and USPS said it was delivered. But Amazon refused to communicate again. Instead, it deferred my refund requests ; {$1400.00} charge was disputed at CHASE VISA. At CHASE, its Disputes area reversed charge, anonymously slanted communications to exclude key facts, and pretended Return Policy controlled transaction from getgo. CHASE came back AMAZON 's false inference that my original order for NEW was fulfilled. Instead of acknowledging my feedback to contrary, it anonymously rambled off AMAZON ' order record, tracking record, delivery record, etc, while falsely asserting its order fulfillment evidence justified the charge for alternative item ; hence, I was found responsible for charge on review. So I tried CHASE executive branch for review, but got nothing in terms of a reply except COVID 's got us down, see you later. By focusing on false inferences created at AMAZON in Dispute area, CHASE de-emphasized my timeline of events and completely glossed over the fact that AMAZON never disputed a wrong item was sent to begin with. CHASE behaved as if order was fulfilled, so full charge was warranted. If you send the wrong item a full refund is immediately due. It sketched over my return to shipping address given and delivery status for XXXX XXXX XXXX XXXX XXXX XXXX. Instead of advocating for me in AMAZON 's fraudulent activity that my card is supposed to protect against, CHASE skirted my attempts to reach out to its executive team and clarify what the facts are here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc.
State: GA

Complaint narrative:
A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA

Complaint narrative:
I have disputed this account with XXXX, and they have sent me nothing at all. This is a violation of the FCRA. They are reporting on my credit and have never sent me any reason as to why! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The Office of Recovery is reporting an erroneous debt on my credit file. I have attached a letter from The State of Utah, ORS stating i no longer owe this debt. I need this debt to be removed from my credit file, i do not owe this debt and i haven't for a while now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was a victim of fraud, I was told by a representative from a representative of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my name was reported as being part of an international financial crime. I was told I had to pay money to clear myself of any charges. I was told to pull line lines of equity on my homes and wire money internationally to pay fines in order to clear her name or she would be faced with extradition and charged. I was told to send sums of money totaling over {$600000.00} and now my homes are in jeapordy if I default on any of the mortgages. This process began in XX/XX/2020 and continued through XX/XX/2020. Several international wire transfers were made to the XXXX XXXX XXXX Limited to various individuals that are involved in this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid of my account last month Why there is a balance of {$150.00} I ask the rep she refuse to help She was rude and Im willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XXXX XXXX at XXXX XXXX  someone setup up online access to my acct. minutes later my pin # was changed then at XXXX XXXX  {$2000.00} was withdrawn from my account by XXXX and deposited into a personal checking acct, Non of this was done by me, in fact i had eft this card in my desk drawer and was gone from my home from XXXX, XXXX until XXXX when i tried using card and was unable to first because of changed pin and then because of balance. I contacted US Bank and informed them and started dispute claim. I was told i would be sent forms and i filled them out and sent them immediately back and was told it could take up to 4 weeks. I waited 5 weeks and heard nothing so i called and was informed my claim had been closed because they found nothing suspicious. I was very upset and was told i needed to file a police report before it could be reopened, On XXXX XXXX i filed a police report and then was told i needed to wait for it to be completed and make an apt with sheriffs office, pay {$25.00} and request a copy and it could take up to 4 weeks to receive.On XXXX, XX/XX/XXXX and again on XXXX! XXXX this report was faxed to USBank , I have no way of knowing if they have received because the only thing they will tell me is if they havent and on the first 2 dates they said they didn't? I have done everything they have asked me to do, have spent hours on hold, have requested the documents that they made there first decision on and have never recieved..

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 2021-02-15 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting an erroneous debt on my credit file. I have attached a letter from The State of Utah, XXXX stating i no longer owe this debt. I need this debt to be removed from my credit file, i do not owe this debt and i haven't for a while now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MS

Complaint narrative:
Wrote check with XXXX XXXX..Community Choice Financial broight company made payment plan made payment company created a check in my name signed my signature..NEVER signed a contract with Community Choice Financial never k ew anythi g about the company NO notice only a phone call..They tried to steal {$240.00} out of checki g Account without my premission and created a falde check in my name..The original amount was {$360.00} with XXXX XXXX NOT Community Choice Financial. My accou t was debited for {$36.00} NSF charge.I am a XX/XX/XXXX XX/XX/XXXXout onXX/XX/XXXX..They took my payment plan money of {$120.00}. Mgr NEVER noted my accoint stated corporate and they had the roght to make a check out in my name for a lesser amount. I have keep my payment arrangement and they were very wrong.. PLEASE HELP ME.. 
COMMUNITY CHOICE FINANCIAL XXXX CUSTOMWR SVC # Thank You XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: UT

Complaint narrative:
BSI FINANCIAL SERVICES - XXXX is reporting a late on my credit file from XX/XX/20. At this time i did not have access to my bank information and i made several attempts to make my payment over the phone and online with my debit card and they refused to take my payment. I was stuck out of town due to COVID and had no access to any of my information. Once i got back i was able to successfully make my payment but when i checked my credit file and saw the late. I was very disappointed. I was not trying to be late and since i had been in communication trying to make my payment i thought i was fine. I am very frustrated with BSI, i was never told i would get a late marking on my credit file and like i said since i was in constant communication with them trying to resolve this issue. It was truly out of my hands and feel as this late notation should have not been added to my credit file. I would like BSI to remove this late from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
Today, Phoenix Financial Services called my husband of 3 months multiple times to attempt to collect a debt from Me. They verified my identity and information through him and then proceeded to explain the debt in which i owed {$910.00} but that they would settle with him for {$360.00} dollars and and how they would like to resolve the debt. We were not together when the so called debt accrued. They said he was listed as an emergency contact thats how they were able to find him but we were not together so that would be impossible. They have not contacted me even though my information has not changed. What they did was illegal, when my husband pointed that out to him, he argued and said nothing he did was illegal and if i did not pay the debt, he would report me for fraud. This company has illegal contacted my husband who is not listed on any document pertaining to this debt, verified personal information and broke HIPAA release law. They harassed my husband and me until i told my husband to ask them to no longer contact him and we had to hang up because we were being threatened and yelled at. Since their calls are recorded and monitored it should not be hard to hear the man enlisting his threat to report me for fraud because we asked him to not contact my husband but instead only contact me for my debt. 

I have never not responded to their attempts to communicate with me, i sent them an email asking for all information they have saying i owe this debt and have not received it, they have sold my debt now three times and have hit my credit report twice every time effecting it multiple points. They say they have sold my debt but yet the same company contacts me everytime, everytime i explain the situation and how we can resolve it. So this is not a matter of me dodging communicating as i stated Prior they record everything and should have recording of me contacting them as well so that they did not think i was avoiding them. They are illegally finding information about my life and using it to have other people pay my debt for me. This is illegal. We have been harassed and i am tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: NJ

Complaint narrative:
JUST RE-SEND THE CHICAGO TITLE POLICY I PAID FOR WHEN I BOUGHT THE HOUSE IN 1999 VIA THE CFPB WEBSITE. Chicago has marked my request as duplicate without sending the requested title policy via the CFPB website. This complaint is unanswered!! If I need to re-open a new complaint I will in order to get a copy of the title policy I bought with the house in 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I had a reoccurring charge with XXXX. I lost my credit card and Comenity bank issued me a new card with a new number in XX/XX/XXXX. On XX/XX/XXXX I was charged $ XXXX> I did not give my new number to XX/XX/XXXX but Comenity bank did> I did not give them permission to give my number to anyone. They told me it is their policy to give my number to companies that I have reoccurring charges. I don '' t think they should have the right to give my credit card number to anyone without my permission regardless of previous transactions. I thought the credit card companies were supposed to protect me not the venders.

Company response to consumer: Closed with explanation