vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/XXXX I called Wells Fargo Mortgage regarding an upcoming payment out of my escrow account. I asked for information provided by the fire district verifying that I owe this information. I was provided a parcel number that did not match my county parcel number. I told XXXX that I didnt owe that fire district that I paid a different fire district outside of my mortgage escrow for fire services. XXXX said they would research and give me a call back the next day. I requested a copy of what the fire district provided them. They didnt call. I called back to XXXX on XX/XX/XXXX at XXXX am CST and was on for an hour and was told they could not provide the information provided by the district because it was a spreadsheet that included other peoples information so I asked XXXX to provide me with a letter with the information which they said they could not provide. They said I could get it from the fire district to which I responded if I had the information I would not be asking them for it. I explained I had received my property tax information from the county & the info matched my escrow statement. I further explained that I had my property insurance info that matched my escrow statement. XXXX provided me the info verbally but would not provide it in writing. The representative XXXX operator XXXX stated the fire district info had my name, a parcel number, a billed amount which was sent XX/XX/XXXX. I explained that I didnt owe this money. He stated I could go to the district but they only had a POB and a phone number where no one answered the phone and the voice mail was full. I asked what due diligence did XXXX perform before adding this to my mortgage payment as this is the first time this was charged. No response was provided. I asked what information will they need from the fire district to remove it. XXXX stated an update from them or information from me. XXXX stated they have opened a case number to research which I was provided 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 explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS AUTO LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called the bank of America my lender many times since XXXX, XXXX, XXXX and XXXX, every months asking them to modify my loan, lower my rate and lower my payments, so I can be able to continue the payments since my income is less due to Covid PANDEMIC, they completed the new application few times to modify my loan they told me I am qualify for modification, I should be getting a new package in 10 days, but for past few months I never get any new package from bank, I only get a bill with late fees, I requested help from mortgage relief to help me they told me bank of America is not participating to their program, so I can not get any help that I need. please help me to be able to use government agencies like mortgage relief and other sources and ask bank of America to modify my loan as I am qualifying by law for this modification. 
I need help. PLEASE HELP ME. 
Thanks,

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 2022-01-25 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: TN

Complaint narrative:
I have tried on several occasions to have Equifax verify several collections on my credit report that aren't mine and they have yet to supply how they have verified the collections or deleted the collections. Here are the dates that I have sent letters to Equifax : XXXX with XXXX by phone and XX/XX/21 and they have yet to verify how they have verified each collection. 
The collection from XXXX XXXX is a medical bill to my knowledge I haven't given anyone permission to give any information on my medical health to any third party per the HIPPA law. 

I have sent letters to both XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XX/XX/21 and they have not responded and I have showed this information to the bureau and they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto has been reporting on my account and I don't have an account with them. I have tried to call them and send letters to them about this account on my credit report. I disputed this with XXXX and it was removed on XXXX, 2021 but was put back on in XX/XX/2021. I never signed any documents with them nor is it in my name. The account is showing paid off but through collections so it is a derogatory. If this can not be removed plus get this out of derogatory on my credit profile. Hopefully this can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
i have a XXXX XXXX XXXX. The navigation/radio ( XXXX ) does not work. I took it to XXXX  XXXX in XXXX az and they said that the part no longer works due to a short circuit. The part costs over XXXX dollars. On year 1 the battery went dead. Now this expensive issue. I should not have to pay for this expensive part. XXXX needs to pay for this. This is a very defective vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/2021, XXXX decided to deactivate my merchant service account because my transactions were too large and they didnt want to take the risk. Fine. I received an email that stated I would receive my account balance on XX/XX/2021. I have a {$1300.00} balance. Since then I have been attempting to transfer the funds to my bank account ( now two months later ) and the system errors out. Since my account is deactivated Im unable to receive any live support by phone or chat, and my emails go unanswered. Please help me get my money back. Im a small business and this hurts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal credit union is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On XX/XX/21 I had sent out credit dispute letters about some accounts that definitely werent mine and i had no idea about that were Fraudulent and other accounts I wasnt to sure about and sent them dispute and verify letters to all three ( 3 ) credit bureaus XXXX, Transunion, and XXXX and Legally they had 30 days to respond and they failed to do so, to prove and validate the debt and negative items reporting on my credit profile impacting my credit score and ability to obtain credit such as personal loans, Mortgage Loans, Auto Loans and house hold items like furniture and appliances XXXX and causing financial injury and emotional and financial distress.! I will attach proof of documents I sent and mailed out.!

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 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
My bag was stolen, which had my debit card and phone. When I tried to tell them, they asked for the card numbers to verify. Since the card was stolen, I couldn't provide them. Their support wouldn't even speak to me for weeks, then I made a CFPB complaint and they finally spoke to me. They said because they couldn't verify the account I was not entitled to the money. They said if I made a new account I could transfer everything from the old account. I did this and they still didn't transfer the money. Now they're saying it is a security issue, they will not give me the money, and due to their terms of service the matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
I previously filed a complaint with CFPB for the same issue. I was able to pay the correct amount for one month because their company representative contacted me and was able to tell me via phone the correct amount to pay. The payment amount seems to change monthly and they only notify me via mail that comes after the due date of the payment. Their online system is broken- the login does not work well and I am unable to login without calling customer service. Once I do login, their online site does not show statements ( as advertised ). Their call center at XXXX has an average XXXX hour wait ( today it did not even connect ). Their backend accounting system looks like an antique, I've received mailed transaction pieces that look like they've been typed. I have paid the amount that I thought I owed every month and every month it changes, they do not apply my payment, and give me late charges even though they do not notify me of the new charges in a timely manner. I just need to know how much I need to pay every month and why the payment changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
i have no idea what this is about. neither do i owe or know this people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: MN

Complaint narrative:
Services were never rendered by original company, XXXX XXXX XXXX, XXXX XXXX XXXX. This is a fraudulent company charging customers and not actually performing the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: OH

Complaint narrative:
My Loan servicing was transferred from XXXX XXXX to Homeside on XX/XX/XXXX. I was told to make my first mortgage payment to XXXX on XX/XX/XXXX and all payments after to Homeside. I made the payment as instructed. I called Homeside on XX/XX/XXXX to let them know that the escrow portion of my XX/XX/XXXX was never transferred to them even though my principal and interest was applied and PMI was taken out of my escrow. I was told they would open a ticket to research. 

I called Homeside back on XX/XX/XXXX to inquire about this as my escrow balance was still not correct. I was told they did not open a ticket and that they were and right now and to call back tomorrow. I called in XX/XX/XXXX and the end resolution Homeside gave me was that it was not their job to look for my missing escrow and that they are just a servicer for Homeside. It has been over 60 days since my loan was transferred and they refuse to make an effort as my servicer to make sure they received all my funds, when i proved to them that they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please review the information and documents attached to this complaint.

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 2022-01-25 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: GA

Complaint narrative:
I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.

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 2022-01-25 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: CA

Complaint narrative:
This is about Fraudulent purchases on my Bank of America VISA Card ending XXXX on XX/XX/2021 that was changed to a new card after the discrepancy was disclosed to me when I called Bank of America to make a payment on my account on XX/XX/2021. I have tried to get this problem solved over the last three ( 3 ) months by calling on many dates at various times, spending countless hours waiting on HOLD and speaking to a different representative each time always in another state ( they are scattered around the country ). As of this date, I have not been able to hear from Bank of America about this problem and when I can expect my account cleared. I have been a longtime customer of Bank of America for over 55 years and never did I have an experience such as this. This is extremely annoying that Bank of America seems to be ignoring my repeated request to correct this unwanted, annoying attempt by someone to drain what little money I have being I am over the age of XXXX. I ask for your help in reaching a resolution to this problem please.

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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022 around XXXX AM MST, I received 5 emails in quick succession stating that a Wells Fargo Everyday Checking account was opened using my info. About 10 minutes after these emails were received, I received another email that my Wells Fargo account email address was updated. 

I previously banked with Wells Fargo in XXXX, but do not currently have any products with them. I have contacted them and opened an internal fraud case.

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 2022-01-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I purchased a flight to XXXX from XXXX in XXXX but due to covid had to cancel early XXXX. I am pregnant, my doctor advised me that travel was very unsafe for me. We also had record breaking covid cases and hospitalizations. As a result, I asked the airline to cancel on XX/XX/XXXX via email. XXXX refused to cancel/give a refund, so I instead contacted my credit card company American Express on XXXX and filed a dispute. American Express has refused my refund as of XX/XX/XXXX. I resubmitted the dispute and was still denied. I did not receive the service, I could not receive the service due to the orders of my doctor and they are not refunding me for my flight. I have also reported XXXX to the Department of Travel but I am looking to report American Express for not refunding my ticket on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The creditor didn't delete my account, it is still on my credit report.

Company response to consumer: Closed with explanation