vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had applied for a Chase refinance XX/XX/XXXX. The mortgage rep. I was assigned was XXXX XXXX. We had a few conversations on XX/XX/XXXX, and XXXX had pressured me into applying for the refinance, as our rate ( with purchasing points ) was a few percentage points less than our current mortgage. XXXX was aware of how long we had been in the home, that we had rental property, and the circumstances surrounding my wife switching jobs last year. By XX/XX/XXXX, we had submitted all required documents to either XXXX or through the online portal. Then on XX/XX/XXXX, XXXX came back and said we would need to have copies of our XXXX taxes in order to move forward. At this time, I asked if the {$500.00} fee could be waived as we were completely compliant. We had a trip planned from XXXX, so the stress of losing that time weighed on us heavily. XXXX also threatened us with penalties if we did not close within a certain period of time, even though interest rates had actually fallen in this two-week window. I was worried about missing the opportunity to refinance at lower rates, and was unhappy with XXXX 's pressuring tactics ( when we acted extremely quickly ), so I contacted the current lender on our home. They offered us a loan modification, with a slightly higher interest rate, but no closing costs rolled in, so it was a better offer. On XXXX I was able to file my taxes and forward the returns to Chase. On the same day, we received the firm offer from our current lender. On XXXX ( less than 3 weeks after application ), I withdrew my application from Chase. I again requested a refund as a result of their service. My request was denied. I requested a supervisor 's email. No response. I followed up on XX/XX/XXXX, and finally received the contact information for XXXX XXXX. On XX/XX/XXXX I laid out the entire situation to XXXX, explained that we had been long-time Chase customers ( 8 credit cards and 1 car loan over 13 years ), and that all we wanted was our refund. Since we never left the underwriting  phase, Chase did not incur any costs other than the credit application. No appraisals, searches, or surveys were ordered. Again, NO RESPONSE. I followed up ( again ) on XX/XX/XXXX. XXXX responded saying another lending manager reached out to me ( I have no messages, missed calls, etc. ), and that he could not refund the fee. At this point, I would strongly recommend avoiding Chase for mortgages. Their rates may lure you in, but their service can not back them up. We withdrew our application as the terms/conditions/requirements changed on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One Auto Finance in XXXX about modifying my loan. The modification was approved and I was told to make a payment by XX/XX/2020. I made the payment on XX/XX/2020. The representative that approved my modification made no comment or indication about credit reporting during the call. As of XX/XX/2020, Capital One reported my auto account 30 days past due. This was never explained to me over the phone about any credit reporting or late payment, otherwise I would have made the payment sooner. I am requesting that the credit report be updated to reflect current status. I have never been late on my auto payment and this was clearly not explained to me during the modification by the agent. I have called Capitol One a few times to try and resolve this matter and nobody seems to care to get my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I have never received a notice about this debt and they have contacted my business phone number which is LLC and not responsible for this personal debt that I'm unaware of or haven't done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
The NCDOT took part of our property through eminent domain sometime in XX/XX/XXXX. We had not reached a financial agreement so they deposited their initial offer of {$55000.00} into an account at the Clerk of Supreme Court in XXXX county NC. 
We have tried to get our money from the Court but have been unable to do so because our Mortgage lender ( Specialized Loan Services, " MERS '' ) will not release the funds. They claim to only want {$13000.00} of the money but we have not been able to get them to sign the paperwork needed to make this happen. They are charging me their attorney fees XX/XX/XXXX, {$140.00} of which we paid with our XXXX payment. Then they charged me again {$160.00} in XX/XX/XXXX for attorney fees. This I have not paid. 
We would like this money to pay off this lender but it seems to not be feasible. We have been paying interest on this {$55000.00} for almost 2 years and we should not have had to. 
We hired an attorney to represent us with the DOT on XX/XX/XXXX. He has been the one trying to get MERS to settle but has been unable to have any headway. This is his last e-mail to us. 


Date : XX/XX/XXXX at XXXX XXXX EST Subject : RE : DOT v : This email is in response to you recent phone calls and emails. I understand your frustration with not being able to get the deposit. This is a lender issue. Specifically a MERS issue. Neither DOT nor I created this problem. So, yes, as I have said before, you can go pay off the loan currently being serviced by MERS and that may indeed be the quickest and easiest way to get the deposit from the Clerk of Superior Court. Once you pay them off and they cancel the Deed of Trust then the entire deposit will be payable to you. If you do this please let me know and get a letter of satisfaction from them. In the meantime I am working with DOT to get the judgment signed by MERS. I will need to get your signature to the consent judgment in the near future and will let you know when to come by and sign it. 



Attorney and Certified Superior Court Mediator PO Box XXXX XXXX Telephone Facsimile

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 2020-02-25 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a credit card with 5/3rd that was taken out in XX/XX/XXXX & myself & my father, XXXX XXXX XXXX, were both on the card. My father filed BK in late XX/XX/XXXX & when I attempted to make pay on my credit card with 5/3rd they stopped allowing me to make payment, closed out the credit card & have reported the card a charge off even  though I was never late on the card & they prevented me from making payment on the card like I had for the previous 14 years. As a result of them, not allowing me to make payment & reporting it a charge off my credit went from the high 700s to the mid to low 600s causing me to pay more for every single type of credit i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-25 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened my Bank of America Checking Account in XX/XX/XXXXin XXXX as a XXXX. I was told that no fee required, even maintenance fee. However, Bank of America started charging for the maintenance fee since XX/XX/XXXX for a total of 6 times ( {$72.00} total ). I found out on XXXX XXXX and called them to ask if that was a mistake. They told me that they changed their policies, but they could not provide any evidence that they notified me of this change. One of the customer representative said they did not have the responsibility to notify me. I asked for a refund. But they only agreed to refund me {$36.00}, which is unacceptable.

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 2020-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting a delinquent balance of {$3100.00} to Equifax, XXXX, and XXXX. I do not owe this debt. I have made several attempts to resolve this issue with XXXX XXXX, Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: NC

Complaint narrative:
Received credit alert for collections on account that was paid off and closed from 2017. Followed the steps to initiate dispute. The account was paid via automatic debits from checking account. Last payment was debited on XX/XX/2017. Letter sent via docusign to remove account debit authorization and to confirm last payment paid. Bank statements show the automatic payments through the end of lease and closeout. With my continued research, the original company has numerous complaints of not reporting accurate info. This has showed up with multiple debt collections and has been disputed. Tried contacting debt companies no one ever answers the phones at XXXX, XXXX, XXXX XXXX  or any normal business hours you expect a legitimate business to answer calls. I have no credit dont use credit cards. Filing disputes with credit companies dont do anything just a waste because these companies dont do anything except string you and time out and report after our investigation the info is correct. There was nothing done, no research for accuracy, paper work supporting documentation looked at nothing. Just generic false statement we are investigation.

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 2020-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I am being charged for payment " reversals '' which are issues between the bank and Freedom Mortgage. Neither the bank or Freedom Mortgage can explain why these payments were reversed. In addition, for every reversal fee of {$25.00} they are tacking on a " property inspection fee '' of {$25.00} every time there is a reversal. They say this is because they send an inspector to ensure the property has not been abandoned. I was charged for 4 property inspections in the space of two months.

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 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I went to the Union Bank branch in XXXX, CA to close my checking account as the bank 's products and services do not meet my needs at this time. The branch manager told me the teller could close it. I sat down at the teller window and the teller said " okay its closed '' and I left. 
The account was still reflecting as open online so I called the 1800 number and the rep confirmed the account had not been closed. The rep on the phone said he would close it. 
The account is still showing as open online today.

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 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: OH

Complaint narrative:
We was contacted by XXXX XXXX from Nations Mortgage Advisors on XXXX XXXX told me have you heard that the interest rate has dropped to 2.99. I told him I didnt think we could do anything because we refinanced on XXXX XXXX. XXXX had me fax over W2 and Leanders copy of information and he would take a look. XXXX called me on XXXX XXXX sent me over information with a financial worksheet to fill out and mail back with XXXX retainer fee for title search and appraisal cost and so on. We filled out the information sent it in the mail with the check to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  CA XXXX on XXXX XXXX. XXXX called me on XXXX XXXX told me he got everything and will get back with us after XXXX. After XXXX we talked back and forth on XXXX XXXX XXXX had me talk to XXXX XXXX XXXX told me after reviewing our information he suggested we go through remodification of the equity loan. XXXX said he called our XXXX XXXX  for the equity and said they will accept 10 % of Forgivness. XXXX said we needed to pay Nations Mortgage Advisors fill out the forms and send check of XXXX. My husband submitted paperwork into 401K to pay the money for XXXX. I put the money in the bank on XXXX XXXX. XXXX worked up the forms for us to sign emailed it to me. My husband and I filled out the information and mailed the check on XXXX XXXX certified mail with tracking #. Nations Mortgage Advisors funds Department received it on XXXX XXXX. XXXX XXXX the check cleared I could get hold of someone in the office until XXXX XXXX then no one would answer there phones or call me back. On XXXX XXXX I called the office again and left a message that my husband and I was cancelling XXXX XXXX I faxed cancellation letter in and on XXXX XXXX I sent certified letter of cancellation. We had talked to the XXXX XXXX  XXXX  that we had they didnt get any calls or received any money for our loan. We feel we have been scammed.

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 2020-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle that was financed through Ally Financial. My first car payment was due at the end of XXXX. When my car payment was due the government shutdown occurred and I was without pay until XX/XX/XXXX. I immediately contacted Ally Financial to let them know I could not make my car payment. They were SO understanding and offered a 90-day payment deferment until XX/XX/XXXX. I felt so relieved! They only explained to me that my payment was deferred and my payment would have a new due date. When the new due date approached I checked my account and found out the car loan was WELL beyond what the loan was. They charged me 20 % interest every single day that I was unable to make the payment due to the shutdown. They made it seem like they were helping me. The loan amount originally came to slightly over {$20000.00}. To date, I have paid them over {$3500.00}. In XX/XX/XXXX, the vehicle was totaled in a car accident. My insurance company paid Ally Financial {$19000.00}. My gap insurance paid Ally Financial {$410.00}. To this day, Ally Financial is reporting that I still owe them {$1700.00} because they charged me unknown fees when my vehicle was paid off. They are demanding I continue making {$500.00} payments and even harassing me at my work to get payment from me. They have received well over what my loan was worth. They are being completely unwavering and unwilling to settle this debt. I think it is unfair and unjust that they are collecting profit from a situation I had absolutely no control over. They offered a solution by deferring the payment only to cause me a hefty price to pay for it. I really need some help to resolve this matter because no one in Ally Financial sees how unfair it is that they are coming after me for a debt I do not owe. They are reporting me as late and have been reporting me as late on my credit report since the vehicle was totaled because I did not make a payment knowing the car was totaled and insurance was going to give them close to what the loan was worth. I thought that would take car of the amount owed and the debt would be paid but they still came up with a way to try to force more money out of me. I work for a federal agency and they are harassing me on my work government phone line as well. I have attached the gap insurance findings. As you can see, the balance when the car was totaled was less than $ 20k. They were paid out for the car but they are still reporting that I owe {$1700.00} and they are calling and emailing me to collect a {$490.00} payment from me. 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 2020-02-25 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:
XXXX XXXX is falsely reporting a delinquent balance of {$3100.00} to XXXX, Experian, and XXXX. I do not owe this debt. I have made several attempts to resolve this issue with XXXX XXXX, XXXX, Experian, and 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 2020-02-25 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: NV

Complaint narrative:
I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to XXXX  data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted

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