vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
They gave us an incorrect payoff, did not process the refinance payoff when funds were received on XX/XX/XXXX, charged you for the interest for their mistake, held your money up over 3 weeks, will not provide evidence or documentation of money they are keeping from you, will not answer all of your questions and you still have not gotten your full amount refunded as promised

from Freedom in writing. After being on the phone with Freedom Mortage customer service for OVER 90 minutes. My phone died. and I don't have the nerves left to call back and sit on hold. 75 % of the time I was on that call I was on hold mind you. 20 minutes just to have someone answer ... Talked to the lady for a bit, she left me on hold for another 20 minutes. She got back on the phone and was hostile with me. Asked for a manager and got put back on hold for 15 minutes. ANYWAY ... .HERE is what I think they are telling me whe
re the numbers are ... and my concerns/comments listed.

Everyone agrees I paid {$3000.00} o

n XX/XX/XXXX. They say they didn't get the titles pay off until XX/XX/XXXX - even though records shows XX/XX/XXXX ... .. So they are saying due to the 'late ' payment the funding was short {$74.00} ( If that was all we were talking about, I would get over it.. ) So that leaves {$2900.00} They had held {$270.00} for FHA insurance they paid for XX/XX/XXXX, but they are sending me a check for that. ( Great that is fine ) And then we FINALLY go
t a check today for {$2300.00} So that leaves {$270.00} ( Which happens to be the FHA insurance number -- So I should get paid that number back twice right?? ) In ADDITIONAL TO ALL THIS .... Our payoff letter stated : " The current Escrow balance is {$1600.00}. But Freedom mortgage is claiming I have {$0.00} in this fund.

In summary, I need a breakdown of where the second {$270.00} went and the {$1600.00} in escrow ( That is a total of {$1900.00} ) Please advise 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 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ashfield Management Services Inc,
State: AZ

Complaint narrative:
Individual named XXXX claiming to be with locator service looking for a distant family friend for disclosed reasons.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased furniture on XX/XX/XXXX from Ashley furniture with an agreement to pay equal installments over 18 months with no charge of interest. [ Ashley Agreement attachment ].

As soon as the account was set up I scheduled 16 monthly payments of {$120.00} each  to pay on the XX/XX/XXXX of every month so I was sure to have the total balance paid off prior to the 18 month agreement. [ 16 payments XXXX XXXX  Online billpay attachment ]. The first payment paid prior to the statement due date. 
Electronic statements were sent, however since I could see the payments being automatically dispersed by my bank, I did not study them. 
When I received notice from the bank that my last payment was about to be sent at the same time I received a statement indicating I owed $ 800+ on the account I called the company. [ XX/XX/XXXX statement attachment ] I first spoke to an account manager and told her I had paid the account on a regular basis and should not have to pay the late fees or interest charges because I made payments every 30 days. She would only rescind three late fees. I spoke to her manager and was told the same thing.

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 2020-02-25 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: U.S. BANCORP
State: TX

Complaint narrative:
Elan Financial Services is reporting an inaccurate payment history to one or more of my credit reports. On XXXX, Elan is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX  show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. Elan has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, Elan has omitted the month by month payment history from the report. The account is incomplete on that report. 

I am complaining because I first disputed the account with XXXX  and XXXX, but they responded to my disputes on XX/XX/XXXX saying that Elan verified that the inaccurate information was correct. 

After that, I sent a letter directly to Elan regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX  and XXXX reports. I also sent them a copy of the dispute letter I sent to XXXX  as well as the inaccurate account reporting on XXXX. 

On XX/XX/XXXX, Elan responded to my direct dispute letter by saying they already investigated my dispute when I disputed with XXXX  and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. 

In summation, Elan failed to investigate my dispute when I disputed with the credit bureaus. Elan verified inaccurate information as accurate to XXXX. Elan refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. Elan also has failed to correct the information after all my attempts to get it corrected.

At this point, Elan has violated my rights under the FCRA multiple times. Elan is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because Elan is maintaining this inaccurate information on my credit reports and I have been denied  other credit opportunities.

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 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: FL

Complaint narrative:
XXXX XXXX, of XXXX Michigan XXXX of ( XXXX ) XXXX file # XXXX sent letter dated XX/XX/2020 requesting return of {$23000.00} of unauthorized with drawl from ex-XXXX  XXXX and they failed to return the money. They created more damages by prematurely closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I made a wire transfer from my account with Wells Fargo to a XXXX car dealership in XXXX on XX/XX/2020. The transfer was supposed to be complete by XX/XX/2020. It is now XX/XX/2020 and the transfer has yet to be completed. An internal investigation with Wells Fargo has been started ( case # XXXX ) but have not heard anything from my bank.

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 2020-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
The loan amount went up from the closing disclosure in an email to me on XX/XX/XXXX and closing on XX/XX/XXXX by {$5500.00}. This company should not be allowed to continue its predatory loan practices on veterans.

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 2020-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: FL

Complaint narrative:
Last year in XXXX and XXXX I asked onemain for a payment relief they approved and I accepted and now they have yet to provide what they offered and they are ranking up fees. I feel that Onemain is a predatory lending company who deceived me financially by using what equity I had in my truck at the time and gave me a high interest rate of 22 %. I have been paying on this loan and in one year they are making {$6800.00} add that up in two years thats {$13000.00} and still my balanced owed hasnt moved down a notch. They refinanced my truck upto 21k and they are making one heck of a profit off of me. I cant afford to make high payments with a such a high rate I have emailed the main office and no answer. I want the interest and payments to go down this isnt affordable and this is taken money from people. This is highway robbery and taken advantage of consumers. I have read several other reviews that this has happened to many others. Why isnt the CFPB doing anything about companies doing such and how can they be in business. No one and I mean now one would consider this at all reasonable. I find this taken advantage of consumers and single mothers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate payment history to one or more of my credit reports. On Experian, XXXX is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX   show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. XXXX has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, XXXX has omitted the month by month payment history from the report. The account is incomplete on that report. 

I am complaining because I first disputed the account with Experian and XXXX, but they responded to my disputes on XX/XX/XXXX saying that XXXX verified that the inaccurate information was correct. 

After that, I sent a letter directly to XXXX regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX  and XXXX reports. I also sent them a copy of the dispute letter I sent to Experian as well as the inaccurate account reporting on Experian. 

On XX/XX/XXXX, XXXX responded to my direct dispute letter by saying they already investigated my dispute when I disputed with Experian and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. 

In summation, XXXX failed to investigate my dispute when I disputed with the credit bureaus. XXXX verified inaccurate information as accurate to Experian. XXXX refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. XXXX also has failed to correct the information after all my attempts to get it corrected. 

At this point, XXXX has violated my rights under the FCRA multiple times. XXXX is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because XXXX is maintaining this inaccurate information on my credit reports and I have been denied other credit opportunities.

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 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
on XX/XX/20 i rec 'd a statement dated XX/XX/20 with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance rec corp adv unapplied funds but they refuse which is a violation of the CFPB i am also asking for a pay off figure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: NE

Complaint narrative:
Your company will NOT reimburse you for the closing cost fee AimLoan charges you for your mortgage. If your company is paying for your move, use another lender whose fee is reimbursable. The loan officer at AimLoan clearly stated to me that their fee would be reimbursed by any employer and later stated they have never had an issue with a customer receiving reimbursement. This statement was made prior to me committing to using them as a lender for my mortgage. I chose to use AimLoan because they stated this fee would be reimbursed. Had I known the fee would not be reimbursed I would have used another lender. 

I am employed by an agency of the XXXX XXXX XXXX and approval of the reimbursement for my closing costs is subject to review by another XXXX XXXX XXXX. That agency determined that the fee was not reimbursable based upon the verbal and written words the loan officer provided directly to the reviewing official at that agency. 

Additionally, in the About AimLoan section of their website they state, Our state of the art website fully discloses rates, points, fees and all third party costs, 24/7. However this is false advertisement as part of the reason their fee was not reimbursed is because they refused to disclose an itemized list for their fee to my approving official. This is clearly false advertising since they do not and will not fully disclose the rates, points, fees and all third party costs. 

Because AimLoan told me that the fee was reimbursable, prior to me committing to using them as a lender for my mortgage, and that their verbal and written words directly led to me not being able to be approved for reimbursement of their fee, AimLoan must return the fee in its entirety. This is in addition to the false statement about full disclosure on their website. In discussions with AimLoan to rectify this issue, AimLoan offered only half of the fee. The total amount of the fee was {$990.00} and the remaining amount they must refund is {$490.00}. 

Additional details : we closed on our new home on XX/XX/2020 and complaints were made to the company multiple times between XX/XX/XXXX through XX/XX/2020. The loan officer is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I reported ( 2 ) XXXX XX/XX/XXXX transactions {$170.00} {$170.00} UNAUTHORIZED. see enclosed XX/XX/XXXX statement fraud investigation BEGUN temp credits listed XX/XX/XXXX Adjustment Purchases. ( These were in my favor as the temp credits were NOT reversed. ) WHEN WILL I SEE THE TEMP FRAUD CREDITS MADE PERMANET.? WHAT DO THE PERMANET FRAUD CREDITS LOOK LIKE? HOW ARE THEY DIFFERENT THAN THE TEMP ONES? ( USAA OWES THE PERMANET CREDIT ON BOTH THESE TRANSACTIONS ). Has USAA completed this fraud investigation begun OVER A YEAR AGO?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Today, XX/XX/2020, at about XXXX XXXX  CST, a representative from Scott & Associates came to our home residence at XXXX XXXX XXXX XXXX, XXXX TX, ,XXXX, ' asking for XXXX XXXX stating he has there to collect a debt and service a legal notice for legal action. He was very threatening to my wife who was home alone. We have XXXX  video as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Credit Card A fraudulent charge was made to my account on XX/XX/XXXX. Barclays was made aware of the charge on XX/XX/XXXX and a provisional credit was made. The charge was reversed on XX/XX/XXXX. I appealed the decision in writing on XX/XX/XXXX and again on XX/XX/XXXX. I ultimately paid the charge of {$720.00} in order to protect my credit. 

XXXX XXXX The fraudulent charge was for an airline ticket with XXXX XXXX. I also disputed the charge with XXXX XXXX but they also will not refund the money in spite of an airline ticket being purchased in someone else 's name.

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 2020-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
As has been my unfortunate experience with Wells Fargo, that they have behaved corruptly towards managing my VA loan and In the past I have filed many complaints in regards to their criminal type behavior. Further the Bank has a rating of " F '' from the XXXX  and over 4000 complaints in the last 3 years which makes the questions of honesty and trust difficult at best. Perhaps this is an honest mistake on their behalf but here is the latest issue I'm having with Wells Fargo : In Mid XX/XX/XXXX I received an escrow analysis from Wells, which clearly states an estimated shortage amount of {$820.00}, to which if I sent in a check for that amount, my payments for the month of XX/XX/XXXX would be {$910.00}. 
That sounded reasonable to me, but I haven't had much experience with Wells Fargo and reasonableness. So I did. I sent in payments of {$820.00} and {$910.00}. 
So, for the Month of XX/XX/XXXX I sent WF two separate payments, Both before the " late payment '' date, which is after the XX/XX/XXXX of every month. 
Attached you will find the escrow analysis, and Bank references to both the escrow shortage payment {$820.00} and payment for the new amount {$910.00}. in option 2 of the escrow analysis.

Yet despite these payments Wells is sending me a confused monthly statement which does not apply the money to their respective coffers, ( escrow, and monthly mortgage ), and then goes further to send a mortgage bill for the upcoming month of XXXX for the amount of {$970.00} as if they did not receive the shortage payment and are deferring to option 1. The correct billing amount for XXXX should be {$910.00} I've been down this road more than once with Wells. where I show them that I have paid any shortage then they take many months to resolve and very simple issue, than should take a matter of minutes to verify that the fund were received and adjust the billing accordantly. 

How hard is that? It took me minutes to log into my bank and verify the funds. I expect the same from Wells, not some long drawn out mess of confusion that I have experienced from them in the past.

I simply ask that Wells acknowledge they have received payment both for the month of XXXX and the escrow shortage payment for the month of XX/XX/XXXX and correct the XXXX mortgage payment amount to reflect the {$910.00} referenced in option 2 To confirm payments and make the Mortgage payment correction should be a matter of minutes, not months. 

Please find the attached payments and escrow shortage analysis.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax was suppose to remove a address that I never reside at but its still showing on my credit report. I have never reside here and already disputed this address numerous times. How was the address verified? How can I be living in XXXX and XXXX XXXX at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
This company LoanCare acquired my loan in XXXX. My loan is a principal and interest only loan. They received my first payment on XX/XX/2019 for the amount of {$870.00}. In XXXX, I received a bill for my principle and interest PLUS an escrow account for home owners insurance. I provided proof of home owners insurance, and they refused to refund my account and close my escrow. FINALLY, my escrow was closed, however, due to this issue, they are not crediting my on time payments appropriately, and I still have late payments and bad reports to the credit agencies. PLEASE look into this company. I am not the first or the last person that has had this issue. Look at their yelp reviews. They are sending me refund checks, all the while not crediting my payments appropriately.

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 2020-02-25 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: PA

Complaint narrative:
I have reached out to the credit bureau to ask to investigate the reporting of this account XXXX  XXXX XXXX they have claimed they have verified this as accurate when there is a clear violation in the reporting. This account is reading a charge off with a balance of {$4900.00}. This is a clear violation as a charge off should have a XXXX balance.

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