vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
Dear CFPB.I would like to inform that in letter dated XX/XX/2019 there are mathematical errors and lies.I repeat that in XX/XX/2019 there was no increase in city tax and home insurance.The mortgage payment, was, before XXXX increased from {$1500.00} to {$1500.00} have included an increased city tax from {$5500.00} to {$6200.00} .This is about $ 50 monthly difference.This different is included in $ XXXX monthly payment.In XX/XX/2019 you increased the escrow deposit from {$650.00} to {$690.00} in the same letter you increased escrow deposit again to {$720.00}, without any good reason, next you added to my monthly payment {$97.00} and you got quote of $ XXXX monthly increased from $ XXXXCould you tell me please how you get the quotes of {$97.00}. 
This is my counting of escrow deposit. {$510.00} city tax monthly, MPI $ XXXX monthly, Home insurance {$77.00} monthly.The total is {$720.00}. It agrees with your calculation.But if shortage of {$760.00} divide by 12 months = {$64.00} extra.If you add {$1600.00} to {$64.00} you get {$1600.00} total. 
How you get {$1700.00}? .Diference $ XXXX.If you multiply this by 360 months of loan terms, this total is {$13000.00} extra to pay off.Sorry I can not accept this. 
I remind you I never pay after XXXX my partially payment, so apply to me late fee is ILLEGAL.Second remind, partially payment can not be counted as unpaid payment.This is ILLEGAL

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 2020-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX of XXXX, my husband and I purchased a newly constructed home XXXX XXXX in the XXXX XXXX area of XXXX California. Our mortgage payment at the time of purchase, with the principle, interest and estimated taxes was XXXX. We have a VA loan of 30 year fixed. 
On or around XX/XX/XXXX, my husband and I refinanced our home with our current mortgage company, to an interest rate of 3.25 % ( previously at 4.875 % ). 
The new payment was sent to us at XXXX, of which we have been paying on time, every month since XXXX of XXXX. 
I received a statement that our escrow account was at a shortage and we would now be required to pay XXXX for 12 months, until the shortage is made up and then the payment would be XXXX moving forward. I called them and they explained the refinance dept used the taxes from when there was no property built on the land and now it has been reassessed. My problem is they made a huge error because our loan was sold to them, and the estimated taxes we were paying in that previous payment were correct, and the loan officer who re-financed us either was not paying attention or because he wanted us to refi with this current lender, provided the wrong information and included it in our loan. Also, my husband was told by one of the representatives at the current mortgage, that our taxes had been raised and that was the reason for the increase. I called the county assessors office and was told our taxes had only increased by XXXX dollars and that the mortgage company had made the error and was not willing to admit it. 

My husband and I XXXX XXXX XXXX XXXX  and in the current Covid 19 disaster, we are not getting the loads we once were getting and this almost XXXX dollar increase is going to be a hardship we may not be able to recover from and are in danger of losing our home. What are we suppose to do now. The mortgage company made the mistake not us, yet they want us to pay for it or lose our home.

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 2020-04-14 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: AL

Complaint narrative:
To whom it may concern, I have an XXXX XXXX Credit card issued by XXXX XXXX XXXX XXXX XXXX. I'm currently an XXXX  and XXXX veteran getting a XXXX XXXX in XXXX  in XXXX XXXX   who honestly went back home to XXXX  during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$XXXX} balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with XXXX and a credit card account for at least 5 years. 

I've been in XXXX displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with XXXX. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that XXXX remove the negative credit report, but I was told XXXX was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal XXXX customer for nearly 20 years with over 9 of those years banking with XXXX as a served as a XXXX in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and  consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left Washington DC at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : //files.consumerfinance.gov/f/documents/cfpb_credit-reporting-policy-statement_cares-act_2020-04.pdf

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 2020-04-14 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: AL

Complaint narrative:
To whom it may concern, I have an XXXX XXXX Credit card issued by XXXX XXXX XXXX XXXX XXXX. I'm currently an XXXX  and XXXX veteran getting a XXXX XXXX in XXXX  in XXXX XXXX   who honestly went back home to XXXX  during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$XXXX balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with XXXX and a credit card account for at least 5 years. 

I've been in XXXX  displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with XXXX. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that XXXX remove the negative credit report, but I was told XXXX was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal XXXX customer for nearly 20 years with over 9 of those years banking with XXXX as a served as a XXXX  in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left XXXX XXXXXXXX at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : //files.consumerfinance.gov/f/documents/cfpb_credit-reporting-policy-statement_cares-act_2020-04.pdf

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 2020-04-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

My personal information on my credit report is inaccurate as well. I have requested to have my personal information corrected on my report as this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I requested payment assistance in form of fee waiver via a secure message on Barclaycardus.com, message sent several days ago ... Payment assistance is needed due to pandemic, a fee waiver was requested and no reply to date. I also called Barclaycard several times, was on hold for well over two hours each time and no rep picked up. Calls were made to again request fee waiver as well as payment assistance in form of extension or deferral. The fee in question will remain unpaid as I am disputing it, account will be paid off less the amount. Being such a small amount, {$15.00}, if any collection agency even accepts the account, I doubt they will attempt to collect after explained the amount is questionable due to pandemic and other reasons. Prior complaints were made via CFPB portal, a XXXX marks them as duplicate in order to avoid refunding fee and or offering assistance. The fee is for NSF, a payment returned on XX/XX/XXXX, unbeknown to me, Barclay resubmits payments, if I had known this I would not have made a replacement payment on XXXX which did in fact clear on XX/XX/XXXX as attached screen shot shows..

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells notified me of my account being overdrawn with a balance of - {$1.00} on XX/XX/20, which was caused by an ATM withdrawal for {$40.00} on the same day. However, I did not make any withdrawal on that day and have notified Wells Fargo accordingly. In fact When I called Wells customer service, the automated response indicated that the transaction was payment to an overdraft account, not an ATM withdrawal as indicated by Wells online and by email. 

Importantly, I signed up for overdraft protection when opening the account and have confirmed that the account has this feature by phone subsequently, yet all transactions potentially requiring overdraft protection have been denied with not one transaction has ever been covered by the overdraft feature.

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Wholesale Tradelines
State: TX

Complaint narrative:
We were in the process of buying a home and needed some help with our credit score. We purchased two different accounts from Wholesale Tradelines XXXX XXXX and they were supposed to report on my husband 's credit report by XX/XX/XXXX and XXXX. They have yet to show on his credit report. We paid {$2200.00} for their service. The phone number we had for them is no longer in service. Us as well as our realtor have filed " tickets '' on their website but have not gotten any response. This is not ok ... and I want my money back!!!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 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: NJ

Complaint narrative:
I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES TRANSUNION AND XXXX AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND XXXX   AND TRANSUNION BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES TRANSUNION AND XXXX  AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION 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 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
my issue is with Paypal. This issue started way before the incoherent & incompetent Corona Virus response. 
I have repeatedly followed Paypal 's instruction regarding banking information but it does not work. 
I can not remove a bank I do not want to use. I can not identify who paypal is requesting money for. Just a bunch of numbers and letter from the bank and Zero identifier from Paypal. Paypal will not accept any cancellation of these charges nor identify the source of the money request so I can cancel things directly. At this point I just want to no longer have a paypal account at all and no. Paypal will not allow me to cancel my membership either. 
All I want at this point is to Not be a Paypal customer but no. That is not permitted. I can not reach paypal by phone due to Corona Virus. 
Since this is a computer issue it is likely only a human being can fix this but no humans are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a cashiers check on XX/XX/XXXX, with out explanation or justification Bank of America placed all the funds on hold until XX/XX/XXXX. The bank eventually released the hold but only after repeated escalations

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 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX has a debt of over XXXX on my credit report that is not mine, and they refuse to remove it.

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 2020-04-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX has a debt of over XXXX on my credit report that is not mine, and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: PA

Complaint narrative:
XXXX XXXX has a debt of over XXXX on my credit report that is not mine, and they refuse to remove it.

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 2020-04-14 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: NC

Complaint narrative:
I contacted Equifax via certified mail to inform them of FOUR unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX XXXX ( inquiry date of XX/XX/18 ) 2. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 3. XXXX XXXX XXXX inquiry date of XX/XX/18 ) XXXX. XXXX XXXX XXXX  XXXX ( inquiriy date XX/XX/18 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: WI

Complaint narrative:
I do not recognize this company and is on my report twice within to month

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
I do not recognize this company and is on my report twice within to month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted TransUnion via certified mail to inform them of FOUR unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX ( inquiry date of XX/XX/18 ) 2. XXXX ( inquiry date of XX/XX/2018 ) 3. XXXX XXXX XXXX inquiry date of XX/XX/18 ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/2018 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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