vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX I submitted an application for a refinance with XXXX XXXX XXXX and XXXX. It was done at the XXXX XXXX. Everything was discussed by XXXX XXXX, the loan officer. The product that seemed to work best for us was a XXXX Smart rate adjustable 30 yr low cost loan. The rate was locked in at 3.19 % APR for 60 days. 
Our credit was pulled and everything was ready to go. We were told that this product was great because it gave you an 85 % loan to value instead of the traditional 80 %. we decided to move forward. The appraisal was done the very next day. It came in a lot lower than we were expecting but it was still enough for the amount we needed. 
We were a little over the debt to income ratio so we decided to put in a pay off of our XXXX XXXX which was XXXX. We were also paying off the equity line of credit of XXXX. This would have relieved us of XXXX dollars in debt. Thus bringing down the debt ratio as it was explained to us. 
The loan was sent to underwriting on the XXXX of XXXX. On XX/XX/2020 we got an email asking us to be patient. On XX/XX/2020 we received a call telling us the loan was approved but for only XXXX instead of the XXXX. When we asked the loan XXXX, She said our appraisal was too low?? I didn't understand and pressed further for an explanation and was told on XXXX XXXX that the rules on this product changed and the loan to value changed from 85 % to 70 %. they said they were protecting their bank because of the Corona Virus. 
I called the corporate headquarters and asked questions to why we were not as the consumer notified of this. I was told they suspended the product we were offered and we were in the pipeline when this happened and all those loans that had been just sitting in underwriting were denied. I feel this is so unfair. We had all the info in for weeks before the virus. I asked to talk to underwriting or if any other product would work for us and we were told no consumer could be transferred to underwriting. We were not offered any other loan except the one that was offered to us but we would have to bring about XXXX to the closing. 
I asked why I would need that much money at closing and I still don't understand. I am very upset by all of this and Third Federal Savings and Loan was recommended to me by my accountant because he said they cared about their consumers. I don't feel like that is true now. I feel they are looking out for themselves. I received a call from the associate XXXXanager at this branch and basically said there was nothing more that they could do because they were being very protective due to the Covid 19. 
The corporate office also said that no exceptions would be made because then they would have to do it for everybody. I feel the agreement should be honored since this was all started 15 days before the product was suspended, Thank You so much for looking into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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:
I AM A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against XXXX   XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: OH

Complaint narrative:
Many years ago I owed XXXX {$630.00} for a phone bill. 

The debt was sent to collections. 

XXXX XXXX was the debt collector. 

I settled for less than the full amount and received a Receipt saying that I settled for less than the full amount. I paid {$380.00} and I attached that receipt to this complaint and also gave it to XXXX and the new collection agency. The remaining balance on that account was {$250.00}. 

Recently, XXXX sent the remaining Balance to a new collection agency even though my recipe shows I settled for less than the full amount and clearly states they will not purse any collection activity. 

Now, a new collection agency, Allied Collection Services, is reporting on my Credit Report for the remainder of that balance.They say that until XXXX tells them not to collect they will continue to collect regardless of my recipe saying I settled with XXXX. 

XXXX says there is nothing they can do. They see that I settled for less than the full amount but the system does not allow them to change the balance. 


Companies Involved : XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX Allied Collection Services ( XXXX ) 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 2020-04-07 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: FL

Complaint narrative:
There is trouble with the Credit Reporting Bureaus [ 3 ] as to running Parallel with the Companies as to Reporting reviews as " AS ACCURATE '' [ fake ] CFPB IS NOW suppose to investigate as an enforcer to Experian on ID XXXX. 
THIS DISCOVERY was made in the House FinanciaXXXX Hearings in XXXX and found to be Guilty. I am a XXXX XXXX and have made over [ 12 ] Complaints of I D Fraud Delinquency 's on [ 4 ] Companies Reporting with no updates? 
They all claim that Experian is to be the authority to write off the Delinquency 's after a " Charge-Off ''. The CR 's are all Corrupt and should be " re-organized '' to serve the Consumer? 
This action has Slandered my Credit from XXXX to XXXX and was denied credit on 3-applications

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 2020-04-07 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: TX

Complaint narrative:
I am needing to move out my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.

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 2020-04-07 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: TX

Complaint narrative:
I am needing to move out my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.

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 2020-04-07 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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
NAVY FEDERAL HAS PUSHED THIS FILE TO THE XXXX XXXX XXXX WHO HAS KNOW FIRST HAND KNOWLEDGE OF THE THEFT I HAVE REACHED OUT TO THE XXXX XXXX XXXX BUT THEY ONLY SEND PAPERWORK OF BILLS THAT DO NOT BELONG TO ME I AM ABOUT TO FILE IRS FORM XXXX AND REPORT THEM TO THE IRS FOR COMMERCIAL FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher Collection is incorrectly report a derogatory mark to all three of the credit bureaus. Account was taken care of with the original creditor XXXX XXXX. XXXX  was charging us for equipment that was not returned after the account was closed. Contact XXXX  on XXXX XXXX, 2020 and they email us the three ( 3 ) separate labels to return 3 different pieces of equipment. The equipment was mailed back via XXXX to XXXX   AND accepted at XXXX XXXX  loading dock on XX/XX/2020 @ XXXX XXXX. I contact XXXX  network directly and they credited the account for the equipment, waive the early termination fee because the contract was cancelled because a truck stuck the home rendering it to be unlivable and eventually the home was torn down. After they credited the account the remainder of the balance {$150.00} was paid in full directly to the original creditor XXXX XXXX. Amsher refused to remove the incorrect negative information citing the account is no longer with them it is now with XXXX XXXX XXXX @ XXXX. I have contact XXXX XXXX the advised they no longer see a balance and to contact Amsher to have the incorrect balance removed. We disputed the information with the credit bureau and Amsher continues to report incorrect balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank has been rearranging transactions to maximize O/D fees. On XX/XX/XXXX I had am available balance of XXXX. I went to the store and spent XXXX which the pin pad was messed up and it request XXXX $ back as cash which then left me with a XXXX balance. I went back to the bank to deposit XXXX $ to bring the account to XXXX XXXX Which according to Chase Bank O/D fee policy anything under 5 $ isnt charged a O/D fee. 
I wake up on XX/XX/XXXX to find a available balance of XXXX. I talked to a rep at the bank who just told me the same scripted stuff about monitoring my account and that available and current are two different things. I kept bringing up that I get that but how am I O/D when I put the money back to cover it. Every time i mention rearranging the bank get super defensive about it. I have also done my own research and found out that Chase has had a XXXX XXXX dollar lawsuit back in XXXX for this exact same thing that I'm dealing with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a visa credit card through my bank, Bank Of America, I had a charge that I disputed and they took it off, that was what I wanted. I had them negate that card and issue me a new card, which they did. The previous card was no longer valid. I now have a charge on my new card that I did not authorize. A year ago I bought a computer from XXXX XXXX along with a warranty, for one year, which I paid for at the time of purchase in XXXX of 2019, that was on the old credit card that I destroyed. Somehow Visa has given them my new credit card number which I have not authorized them to do and XXXX XXXX has charged my new card, which I did not use with them for that purchase. I tried contacting XXXX XXXX and got nowhere, I have spent almost the entire day making calls and E mails to no avail. I think Visa should be held accountable for disclosing that information, it sounds to me that they took best buys word for that charge and did not bother consulting myself Your organization needs to look into this kind of dealings, please let me know if I can get this issue resolved. XXXX XXXX XXXX mail : XXXX cell XXXX Thank You Very Much for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has sent a late payment notice in XXXX or XXXX. This is false information and I demand it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage process took over 6 months. They were in violation of Reg B. They have 30 days to make credit decisions after they receive all requested information. They play this game and request more and more information and even request information that is not applicable ( for example I own a duplex and they would ask for rent information on a 4 plex ) So that starts the clock again for the 30 days. 
This went on and on to the point I had to draw a line in the sand and say you have been given all the information you requested and I still do not have loan approval or denial so you have to make a decision. 
I have complained to the company and they have told me a bunch of false and inaccurate information on information requests that they made and I have all the documentation showing that I have responded in a very timely manor and given them everything they needed. They were busy and hiring temps to cover the work load. I worked for Wells Fargo in a non mortgage related capacity. I can tell you that the corporate culture is to deny and bury consumers in paperwork to stop the clock. This has damaged me and my ability to receive fair credit as a US Citizen and taxpayer. 
I have 13 emails responding to their requests for information.

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 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: WA

Complaint narrative:
On XX/XX/2020 XXXX from D & A LLC called my cell phone looking for XXXX XXXX which is my XXXXyear old daughter. When I asked what this is regarding, XXXX was insistent on speaking with my minor daughter. When I asked what her company specializes in, she refused to answer my question and repeated with I can only discuss this with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NC

Complaint narrative:
I purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.

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 2020-04-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NC

Complaint narrative:
I purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Card is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 a credit of {$16000.00} from a cancelled trip was applied to my Citi visa card ending in XXXX. 

On XX/XX/2020, I requested the credit balance to be sent to me by check. I was told that the check would be sent to me by XX/XX/2020. 

I have made numerous calls to Citi Visa each with a very long wait time and so far no check has been issued to me. The $ XXXX credit balance remains in my account. I realize in this time of the virus pandemic there are staff shortages but it has been too long for my money to be withheld by Citi.

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