vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
Credit Control Corporation has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX  hardship and suffering through loss of sleep and anxiety. I DEMAND TO GET THE FOLLOWING ITEM REMOVED FROM ALL 3 CREDIT BUREAUS : Account information : XXXX XXXX XXXX XXXX XXXX Account number : XXXX. Date Opened : XX/XX/2020 Original balance : {$130.00}. 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Sending statement to old address after. I told cable company of forwarding address. 
Re-aging account. 
Negligence. 
Unfair business practices. 
Robot calls. 

Because all the damages and violations that I have suffered, I deserve to get this item removed from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I filled out a web based application for a cash out refinance of my current mortgage. I was approved and XXXX XXXX called me and I worked with him through the process. The system was having issues and so the online application was not established until XX/XX/2020. I paid the {$500.00} fee that I verified with XXXX that if the loan was not approved it would be refunded on XX/XX/XXXX, XXXX.I was instructed to update my homeowners insurance to reflect XXXX. I was sent all the documents and disclosures. On the evening of the XXXX XXXX requested my bankruptcy discharge papers. They were submitted to XXXX on the XXXX, same day that XXXX scheduled my home appraisal. For weeks I submitted paperwork whenever requested and was assured from XXXX that everything was going smoothly and that it should be closing soon. When we got to the 60 day mark I wanted to know what was going on and when was the loan going to close, only to find out that because of the bankruptcy, which XXXX knew about from XX/XX/XXXX, that the loan could not be approved. It has been two weeks, and my money has still not been refunded to me. XXXX is not answering my calls or returning emails.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I sent the following letter and have not heard anything back SW CRDT SYS XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Dear Sir or Madam : I recently checked my credit on XXXX and found that you had entered a derogatory mark. There must be some mistake as Ive never heard of you or from you. Not one bill. Ive lived at the same address for over 30 years with the same home phone number. 
Perhaps you have the wrong person I dont know but I pay my bills. 
Please look into this and remove the erroneous mark ASAP So I sent the below to XXXX  and XXXX I recently obtained a copy of my credit report from XXXX and found a derogatory mark from SW CRDT SYS. There must be some mistake as Ive never heard of them or from them. Not one bill. Ive lived at the same address for over 30 years with the same home phone number. And I pay my bills. 
I would appreciate it if you would look into this matter and clear up this remark. 



I thought it might be from a dispute I hade from XXXX XXXX so I got my XXXX  report and they don't show anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: AZ

Complaint narrative:
I was surprised with a XXXX basis point decrease in credits ( ~ {$450.00} ) for Provident Funding 's " appraisal waiver fee ''. This seems to be an non-industry standard fee that was only disclosed to me after my wife and I completed a Provident Funding loan application and Provident ran our credit. This fee does not show up on the Provident Funding website or in their XXXX app and was not disclosed via my call on XX/XX/2021 with a Provident Funding CSR. Given the loan to value for this refinance is ~40 % I expected an appraisal waiver, but I did not expect to be charged for this waiver, nor was it appropriately disclosed. 

This fee was first disclosed to me when I called Provident Funding to ask about the difference between their loan options described on their application choices vs the lock screens. 

Attached I am including Provident Funding 's rates & credits that are provided and advertised prior to completing an application and their lock rates available after ; as you can see the credits goes down between these two by {$450.00}. These screenshots were pulled at the same time and reflect the same PAR rate ( screenshot with buttons marked apply are at a lower cost than the one with buttons marked lock ). Of note, the appraisal waiver fee is not described ; whereas their Funding Administration fee of {$1300.00} is. 

FYI : Looking into this issue it seems that Provident Funding has a relationship with XXXX the appraisal company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed that XXXX XXXX  XXXX reported that my mortgage loan increased by {$98.00}, causing my credit score to drop 30 points on XXXX and 31 points on Transunion. The loan amount that was reported on my credit reports was {$57000.00}. The correct amount according to XX/XX/XXXX 's XXXX XXXX  XXXX Statement is {$57000.00}. On XX/XX/XXXX, I submitted a dispute to XXXX, Transunion, and XXXX to reach out to XXXX and investigate the issue. On XX/XX/XXXX, XXXX concluded that XXXX reported the loan amount to be accurate. And on XX/XX/XXXX, Transunion concluded that XXXX. The dispute for XXXX is pending. The incorrect balance is still on my credit reports for Transunion and XXXX, and the issue has not been rectified.

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Town Financial Corporation
State: IA

Complaint narrative:
Company waited almost 4 yrs between notifications and started garnish my wages again for an amount still collecting intrest. Or figure out an amount to settle on that us around the amount of the original loan amount. Dont think I should have to pay anything then what I have already paid considering the company waited so long between garnishment

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was depositing a check from XXXX because he said that he will pay for an item that Im selling through XXXX with a check. A few days later, I got a phone call from my bank saying that the check was fake and because of that, the bank rejected the check and I was charged an additional fee.

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 2021-01-22 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very serious about filing a lawsuit if this is not removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very serious about filing a lawsuit if this is not removed ASAP!

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 2021-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: PA

Complaint narrative:
I have formally requested a hearing for the current Wage Garnishment that is being enforced on my salary from XXXX XXXX out of XXXX, NY. Apparently Im being held responsible for approximately {$26000.00} of Student Loans from XXXX XXXX XXXX XXXX XXXX XXXX for years spanning from XXXX to XXXX. I have filed an official Police Report that Im going to hand in with my Identity Theft Packet if needed. I only attended XXXX from XX/XX/XXXX to XX/XX/XXXX and was not aware of the identity theft that was going on using my personal information. 

When I requested the Promissory Notes and Identity Theft Packet from XXXX and/or Ascndium I was sent loan information from a XXXX XXXX out of Texas also, which contained no Signature Page, those loans were in the amount of {$11000.00}. The other Promissory Note that was sent is not even my signature. The different loan amounts and account numbers are confusing because there are simply too many of them to keep track of and the amounts are different across the board. 

I believe that the Administration Department at XXXX was using my personal information to apply for Federal Funding over and over again until finally going out of business. Ive also attached a reference about Federal Court granting relief for XXXX Students because Im not the only victim that this has happen to. This garnishment will absolutely put my family in financial peril, I will lose my house and everything that Ive worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am 19 years : and applied for a XXXX XXXX and was denied credit on XX/XX/2021. I spoke to an operator named XXXX operator Id number XXXX. I gave my father permission to speak to XXXX who explained that I am a full time college student and works part time at XXXX XXXX. I would like to know how someone can build credit if I keep getting denied. They said they based there decision on too few accounts, average length of time, and lists of comparable lines of credit lines. He called back and spoke to XXXX who refused to provide her last name or her company ID number. He then called the corporate and spoke to a Selene at extension XXXX and was provided a case number XXXX. He advised the they are violating the Equal Opportunity Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My score dropped nearly 30 pts from XX/XX/XXXX to XX/XX/XXXX, however absolutely no changes were recorded during that time. I've called Equifax twice and both times I was just read back my report to me. Equifax is the only bureau that reported this drastic change with no actual changes in the reporting on my account, therefore the score should at the very least have remained unchanged. 

It's also concerning that Equifax staff and supervisors report being unable to see credit score history. If they can not see the changes month to month, how can they search for errors and potential data breaches, fraud etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: PA

Complaint narrative:
I HAVE UNATHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY UNATHORIZED ITEMS ON MY CREDIT REPORT MUST BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE. PLEASE REMOVE THIS FROM MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company is reporting an account XXXX XXXX XXXX that displays included in Bankruptcy but there's no open or active Bankruptcy reporting on the credit report! Accurate information must be included on all consumer reports or the file should be deleted immediately! I have previously disputed this account with Transunion on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. The company has exceeded the 45 calendar and business day timeframe allotted for investigations. Therefore, I am demanding that this item is deleted effective immediately. I will proceed with legal action if the item isn't deleted within 5 business days from the date of this complaint! 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Accordingly, pursuant to the Fair Credit Reporting Act, please mail a copy of the full printed consumer report to my ONE mailing address that you have on file.

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 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Citi bank. I was impacted by COVID throughout the year and was able to get a forbearance on two months earlier in the year, resumed my payments afterwards but then was out of work during the small portion of the end of the year until recently in XX/XX/2021. I tried asking for assistance with the payments to be lowered but instead, my minimum payment raised and I was flagged on my credit report for one missing payment after they refused to do anything about my situation.

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 2021-01-22 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I spoke with customer service on several occasions regarding my balance not going down enough for the money I've been paying. I did three balance transfers in XXXX of XXXX totaling {$8500.00} to a balance of {$4500.00}, beginning the total around {$16000.00} and something including the balance transfer fees. I have paid a total of {$8100.00} from XX/XX/XXXX to XX/XX/XXXX and my balance is just at {$13000.00}. I have a couple of recurring bills that are added every month but that only totals {$190.00}, and has since been reduced to $ 117 monthly. The last statement from XXXX states I have paid {$340.00} in fees, which I am thinking is the transfer fees and {$1000.00} in interest. Those two totals are {$1400.00}, so if I paid $ XXXX $ XXXX {$6700.00}, where did the rest of my money go because my balance is not going down hardly any. I paid {$1000.00} every month for five months, {$850.00}, {$700.00}, {$500.00} two or three times and it did not even put a dent in the balance. Chase has been taking my money, stealing it. I am contacting the BBB also to make a complaint. The interest rate is 14.99 % for regular purchasing and the balance transfers is on a promotion until XX/XX/XXXX. So, the credit card company says they put money towards the minimum balance which was only be {$220.00} which is for the promotional balance, part went to interest, which is usually around {$90.00} a month. Then a piece also goes to the regular balance, but yet both balances are only {$1000.00} or so below the original balances. Can I please have some help, I can not afford to keep paying money to them and nothing is helping my balance. I made two payments this month to see how it would help and it went down slightly. I can be reached at XXXX XXXX XXXX XXXX with any questions or by seem email XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Cancelled flight with XXXX XXXX in XX/XX/2020 due to Covid. It was on Barclay Credit Master Card through XXXX XXXX. Took 3 months to settle with XXXX. Credit card was cancelled by us and a refund for flight was issued from the Credit card company ( Barclay Master Card ). Started receiving bills from Barclay in XX/XX/2020. The latest bill we received in XX/XX/2020 is now charging us late fees. I have written three times to both XXXX and Barclay and have sent all documents to each one explaining the situation. I am now getting calls from Barclay on a daily basis from their collection department. This credit card was closed in XXXX. I sent Barclay a copy of the check THEY REFUNDED me in XXXX. I can not get this resolved by anyone.

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 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OH

Complaint narrative:
I live in XXXX, Ohio. Key Bank sent me an unsolicited offer in the summer of 2020 to receive {$400.00} if I opened a Key Bank checking account, and deposited {$500.00} for at least 3 months. The exact language was " one time direct deposit of {$500.00} '' - language which was not highlighted or explained. 
I took that language to mean I needed to transfer {$500.00} at least once, in a direct deposit. In other words, I could not satisfy the requirement by an intra bank transfer from a CD or another Key Bank account under my control. They provided NO definition of their terms, or intentions. I opened a new Key Bank account and deposited a check for {$500.00} from external sources. 

4 months later, I asked when my {$400.00} would be paid. I was then told, for the first time, that the bank required me to have at least {$500.00} deposited directly from my employer or other governmental income. 

I am retired and do not have an employer. I do not yet draw Social Security from my earnings. This is the first time I have been told of this requirement by Key Bank. Their letter did not say it was limited to those currently employed or drawing Social Security. During this period, Key Bank has had my {$500.00}, and I have been paying at least $ XXXX/month in various bank fees. 

This is a deceptive trade practice that fraudulently induced consumers to transfer assets on the promise of a {$400.00} windfall that is subject to requirements that are never set forth in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
XX/XX/XXXX Santander Consumer USA was involved in 34 state class action lawsuit and one these states being my home state. All auto loans account from XX/XX/XXXX to XX/XX/XXXX qualify. I first contacted my attorney general office to see if my auto loan qualify account open XX/XX/XXXX account closed XX/XX/XXXX {$12.00}, XXXX written off with the information I provide them my account qualify. Santander Consumer USA was court ordered to remove all repossession account from my credit report and ordered to cease and dismiss XXXX XXXX XXXX collection efforts. They are ordered by the court to issue a deficiency waiver for charge off accounts.

Company response to consumer: Closed with explanation