vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a property for {$490000.00}, using lender XXXX XXXX XXXX. The monthly payment was {$2500.00}. The payment included the principal, interest, PMI, and escrow account. The escrow account included annual property taxes calculated at {$6100.00}. All this information is included in the Closing Statement. 

I was informed that my loan was sold to Wells Fargo. I received a letter from Wells Fargo dated XX/XX/XXXX reporting that there was an escrow shortage of {$2600.00} because of the annual property taxes increasing. The monthly payment would increase to {$3000.00}. 

I spoke with XXXX  Wells Fargo, XXXX XXXX, XXXX XXXX as well as the Real Estate Agent to address this matter. A mediation letter was sent on XX/XX/XXXX requesting a settlement to address the matter that would affect me in perpetuity. I received a letter from Wells Fargo dated XX/XX/XXXX that acknowledged that the annual property taxes were calculated incorrectly and should have been calculated at {$8800.00}, not {$6100.00}. The letter also reported that XXXX paid {$3100.00} to cover the escrow shortage for XXXX. 

XXXX sent a letter dated XX/XX/XXXX, that does not agree to a settlement. 

Another mediation letter was sent on XX/XX/XXXX reporting the failure to disclose the payment accurately and the hardship. I also explained that I did not accept the {$3100.00} as a settlement. The monthly payment increased to {$2800.00} because of the property taxes being documented incorrectly at closing. 

I sent a letter to Wells Fargo on XX/XX/XXXX asking for the PMI to be removed and the escrow account to be removed to assist with reducing the monthly payment. I informed Wells Fargo that I was still looking into other options to address the matter of the annual property taxes.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried to access my credit reports online using the XXXX XXXX XXXX XXXX website on XX/XX/2021 and on XX/XX/2021. During COVID-19 all credit reporting agencies are required to provide weekly reports, yet Experian denied my request both times stating that a condition exists that prevents them from providing my credit report online. I am using the most current operating system developed by XXXX and the most current browser developed by XXXX. I have every right to access my credit report online, and I expect this issue to be resolved immediately.

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 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NV

Complaint narrative:
Like many people, I have several payment methods stored within XXXX  XXXX XXXX feature. Essentially it stores your card details and enters them for you. 

I have used this feature almost since the day it came out and basically never had an issue. 

The other day I was attempting to buy more years on several of my website domains. I was successfully able to add 9 years to one domain and when I tried for another a minute later my bank flagged the transaction as suspicious and denying the charge. I cleared this up with the bank immediately and attempted to process the transaction again. This is when I noticed the money for that transaction had been removed from an alternative personal account that should not have been charged. XXXX  domains is refusing to refund the money or do anything and they are telling me that if I dispute the charges with my bank they will cancel my domain that I have owned for almost 2 decades. They stole money from an account I did not authorize and now they are refusing to help me in any way. They are threatening to basically shut down my entire company by cancelling my website domain if I attempt to recove these stolen monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
For You and Equifax : I am the victim of a XXXX XXXX and XXXX am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I tried to access my credit reports online using the Free XXXX XXXX XXXX  website on XX/XX/2021 and on XX/XX/2021. During XXXX all credit reporting agencies are required to provide weekly reports, yet Equifax denied my request both times stating that online delivery is unavailable to me. I have every right to access my credit report online, and I expect this issue to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
For You and TransUnion : I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.

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 2021-05-09 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: PA

Complaint narrative:
The information that is listed on the account isnt correct nor has it been proved to be correct when asked

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 2021-05-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The information that is listed on the account isnt correct nor has it been proved to be correct when asked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JMAC LENDING INCORPORATED
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a property for {$490000.00}, using lender JMAC Lending Inc. The monthly payment was {$2500.00}. The payment included the principal, interest, PMI, and escrow account. The escrow account included annual property taxes calculated at {$6100.00}. All this information is included in the Closing Statement. I was informed that my loan was sold to XXXX XXXX. I received a letter from XXXX XXXX dated XX/XX/XXXX reporting that there was an escrow shortage of {$2600.00} because of the annual property taxes increasing. The monthly payment would increase to {$3000.00}. I spoke with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX as well as the Real Estate Agent to address this matter. A mediation letter was sent on XX/XX/XXXX requesting a settlement to address the matter that would affect me in perpetuity. I received a letter from XXXX XXXX dated XX/XX/XXXX that acknowledged that the annual property taxes were calculated incorrectly and should have been calculated at {$8800.00}, not {$6100.00}. The letter also reported that XXXX paid {$3100.00} to cover the escrow shortage for XXXX. XXXX sent a letter dated XX/XX/XXXX, that does not agree to a settlement. Another mediation letter was sent on XX/XX/XXXX reporting the failure to disclose the payment accurately and the hardship. I also explained that I did not accept the {$3100.00} as a settlement. The monthly payment increased to {$2800.00} because of the property taxes being documented incorrectly at closing. I sent a letter to XXXX XXXX on XX/XX/XXXX asking for the PMI to be removed and the escrow account to be removed to assist with reducing the monthly payment. I informed XXXX XXXX that I was still looking into other options to address the matter of the annual property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enab
lement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax data breach settlement I applied for the settlement amount credit freeze and never received any settlement check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: PA

Complaint narrative:
These are unauthorized inquiries please check letter attached

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 2021-05-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These are unauthorized inquiries please check letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
My complaint is about an employee of Selene finance who came to our home in XXXX of XXXX and not only harassed my family but also went to my neighbors house and told my neighbors my personal business, we were eventually evicted from the home in XXXX of XXXX, the individual in question also worked as a realtor so he also ended up profiting from the harassment he endured! I made a complaint with the board of realtors that went nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have a title loan I have been trying to p ayoff for a week.loanmart has taken 3 payment via my bank account ach.1st payment XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX and XXXX on XXXX XXXXOn XXXX XXXX I had a long conversation with there associate XXXX he spoke with the supervisor.They agreed to take a XXXX payment to payoff loan on XXXX XXXXWhen XX/XX/XXXX came around they called me and told me there system wouldn't take the payment and told me I would have to wait 21 days to make final payment. I made.it clear I wasn't gon na pay there daily interest on this account for 21 days.We had an agreement and they lied.I then Spoke to there supervisor who told me they would run the payment XX/XX/XXXX she said the next day.Well I never heard from anyone.I don't feel I should have to pay the interest since they failed to take care of there agreement.They also tell me this is there policy on billing the bank ach 21 days but funny they charged my banks 3 times in 3 days so this is another lie.They have refused me the right to pay my loan off and in the process during this so called waiting period want me to pay interest. And I have refused .All I heard from the supervisor is I talked to the other Depts nothing I can do.This is wrong all I wanted to do is pay my loan off.Both my wife and I are XXXX and I had a family member pay this off for me.I don't need to be treated like this. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via Zelle to the individual, who was soliciting their services, on XX/XX/2021. Nearly XXXX weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My Zelle account was then deactivated, I reached out to my bank who transferred me to Zelle Customer Service because they stated their was nothing they could do. Zelle also advised me that there was nothing that could be done to reactivate my Zelle account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/2020 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX 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 non-monetary relief
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA bought my bank, Simple, and today was supposed to be the transition. Their system is broken, Im locked out of my account, and I have been trying repeatedly to get through via phone and online and I cant get ahold of anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via XXXX to the individual, who was soliciting their services, on XX/XX/2021. Nearly two weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My XXXX account was then deactivated, I have reached out to my bank, Navy Federal Credit Union, who transfers me to XXXX Customer Service because they state their was nothing they could do. XXXX also advised me that there was nothing that could be done to reactivate my XXXX account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: AL

Complaint narrative:
Netspend issued a credit card to my XXXX XXXX XXXX son. When i called them they stated that they were just marketing and that is why the card was sent. They stated that his information was pulled via his public records. I told them that he is XXXX XXXX XXXX, he does not have public records.

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 2021-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dyck-O'Neal, Inc.
State: MO

Complaint narrative:
this company kept telling us about the debt. we never knew about that till recently. 
they said they will acting getting money from us wihtout further notice? 
we are XXXX couple..they said they refused to talk to us because we use XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX comunity.. i am thankful for the techlonoly for us to use.. they kept saying '' im not allowing talk to you " i said excuse me.. 
i send them email with the information about relay service.. 
we felt discrimated by them they kept sending us letter and calling us never never left any message on my answering machine??? where is our respects? 
i need respect from them. we recieved letter recently they report on our credit history. they told me that they are not report? 
XXXX supposed to be but they kept telling us we owed them XXXX? 
date is XXXX XXXX they kept threatnin us so much.. where is our respect? i talked with the XXXX VRS manager they said that the company was wrong.. they are against FCC ADA about VRS relaay service ... 
please help us. 
im tired of them kept calling us..they won't tell us wihtout the authroization form for VRS relay service ? it is against the Law because we are XXXX.. we felt discrimated by them. 
im afraid they take money away from us without our permission because we are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Ive reached out to equifax about errors on my credit report about inaccurate information and informed them to remove it due to providing incorrect info on my file but they still continue to report it these accounts that been reporting incorrect information. 

Accounts are as follow 1. XXXX  XXXX  XXXX  XXXX  2. XXXX  XXXX  account # XXXX

Company response to consumer: Closed with explanation