vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Filed for Forbearance in XXXX of 2020, now looking to find a resolution with Mr.Cooper, our services. Started the applications end of XXXX XXXX I called to follow up many times this past week and was once hung up on! I also gave the loan specialist my number in case we got disconnected but they never called me back! I assume this was because I told them I would file a complaint as they were not answering any of my questions or telling me what we could qualify for. I was asked to fill out an application more than four times via email, which I did. Theyre not communicating properly about why I had to keep filing applications and would not answer me about this. I was denied any assistance at all I later find out but they never communicated it with us after filing out the multiple applications. I contacted XXXX XXXX directly last week, and I dont feel were getting what we need as they told my husband to call the servicer back and ask what and why we dont qualify even though we have been doing that. I called mr Cooper back today and was told I have to basically pay a one lump sum of 12 payments to MAYBE reinstate if we qualify after we pay 12 months that we missed up front. Then they call it a repay payment plan for the XXXX and XXXX payment which isnt even due yet. Theyre calling it this so they can get away with making it look like theyre offering us something legally..XXXX XXXX does not require a lump sum up front from their guidelines I read with Covid laws. I am out of options because they wont give us any. I was only told we could appeal our previous modification and it probably wont go anywhere. We have lived in our home 22 years! This is extreme predatory lending practices with Covid! I was also told PRIOR to entering into this that we had rights because the Covid laws are different and we could modify again or get a deferral added to the end of the loan. I also have a screen shot of some of our communication Feom last year I will attach here. During this year long forbearance I called mr Cooper a couple times to be reassured we could have some kind of relief. They and Mainly XXXX XXXX have played a very nasty game here not telling me this upfront and offering nothing now! We entered into this with complete reassurance that we would be like anyone else and get relief after. If we would have been told up front that since we had modifications done before and would not be able to get any assistance, we would have borrowed money to catch up. We should have been told up front this could have been an issue! Theyre now telling us even if we do pay all the 12 mos now- we may not qualify for resuming our payments! They will find a way to deny us so they can take our house! Please help! A bankruptcy is what we may be forced into due to predatory lending!!! This is absolutely servicing discrimination and predatory lending if I have ever seen!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: VA

Complaint narrative:
I went into forbearance a the start of the COVID outbreak in XX/XX/XXXX. I told Ameris Bank that I would be ending the forbearance period at the end of XX/XX/XXXX. I choose to tac on the missed payments to the end of the loan, deferring payments. I was approved by all internal to Ameris Bank checks and audits by the end of XX/XX/XXXX. My account however, is still being managed by the loss mitigation department because there is an internal IT glitch where " the system '' is not recognizing that my account is no longer in forbearance. 

It has been more than 7 months XXXX XX/XX/XXXX XXXX since all steps to remove the flag on my account has been completed and my account is till not available for automatic payments and the information that I receive online is still inaccurate. 

I have reached out to Ameris Bank to address this issue every month to get an update. There is no update. I have emailed multiple times directly to their loss mitigation team email account and through the online account " secure messages '' system. Both emails have gone over a month without a response. 

This is very clearly, by Ameris Bank 's admission, an issue with their system not updating a flag in their database. This is something that they have mentioned was refreshed to help others in a similar position on XX/XX/XXXX that did not work for my account. There have been intimations that there is the ability to manually update the account on the back-end, which as a manager for a software company, I can say with 100 % certainty could be done if they escalated this issue sufficiently, yet they have not done so. I can also say that a batch run to update multiple accounts similarly situated should be more than feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file 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 2021-06-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo advertised, with zero liability protection, I won't be held responsible for any reported card transactions. However, when I filed reports about unauthorized transactions, they wouldn't reimburse me for 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 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I am a representative for my daughter accounts, both accounts are negative one is negative XXXX $ and the other is negativeXXXX $ .I never ever was able to use overdraft on her accounts.So we shouldn't be charged nsf fees the bank froze both accounts on the XXXX of XXXX because they said the debit cards were not in the system on her accounts But XXXX first citizen ordered the cards as a result of the freeze her social security didn't come the XXXX XXXX of XXXX therefore I couldn't pay cashadvance on the due date which is the XXXX to be able to advance to get more money to pay my bills and pay my car repairs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have tried to dispute these unauthorized inquiries, however, Equifax is saying that they are a part of my credit report, I never authorized not one of these inquries. 

XXXX XXXX XXXX XXXX XXXXReporting Twice XXXX XXXX XXXXXXXX XXXX XXXX XXXX  -Reporting Twice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I was scammed by someone for a house rental. Payment was made through my XXXX XXXX account through Zelle. These people must be stopped. I have all the information needed to stop them and get back my mom money. Its a lot to type. Im best reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Starting on XX/XX/2020 i've been sending disputes letters regarding Inaccurate and Unverifiable information on my credit report to the credit bureaus that they're refusing to send proof of documentation of my signed signatures on any application or contracts regarding my credit file. Despite three written requests, the unverified items listed below still remain on my credit report 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. In results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

Experian : 1. 
XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

XXXX : 1. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
Account Number : XXXX Please remove it from my credit report 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 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I paid US Bank the shortage of escrow of {$1600.00} on XX/XX/XXXX. I had to call back on XX/XX/XXXX because US Bank stated I made an overpayment and refused to apply to my escrow. They stated they will fix it and as of XX/XX/XXXX I had to call again and now US bank stated I did not have enough money to cover the shortage of {$1600.00} even though I paid the exact amount. I have a bank statement that proves I paid in full and a confirmation number. They stated they will send another request form to get it adjusted after this being my 3rd time to get it taken care of. I have been paying {$130.00} more than what I should have for 2 months now. I have been removed from online banking and can not monitor my account because they stated I was in bankruptcy status and lose that luxury. 

In addition, I tried to apply for the COVID-19 Mortgage Relief bill in XXXX in trying to refinance to keep food on the table, and at that point, they said I did not qualify because I was in bankruptcy. US Bank representatives are very rude and disrespectful. When one is in a horrible state and about to lose everything that should not open a door for a representative to laugh at your situation and tell you that US Bank can do whatever they want to. Horrible place and they take advantage of people in hard times.

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 2021-06-07 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: C/C Financial
State: NC

Complaint narrative:
I received a new account warning from XXXX, XXXX XXXX XXXX 
I logged in and noticed a new account that I did not sign up for, along with a new phone number that was not mine and a new address in South Carolina where I have never lived. 
Preferred Lease # XXXX XXXX XXXX ) I tried contacting the company, but they requested that I e-mail all my personal information to them. I am not willing to do so, given the sketchy nature of the transaction so far, so they will not provide me with any additional information. Clearly this is not my account and filed using identity theft. 
I put fraud alerts on all three credit bureaus and filed disputes. 
XXXX  deleted the account from my credit file XXXX  said the company confirmed the loan and did not delete XXXX  hasn't finished their filings.

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 2021-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
I refinanced my mortgage with Lakeview closing is XX/XX/2021. I was told by the company that my payment would decrease by $ XXXX month. At the time of closing, the payment was not lowered and I expressed concerns about the total payment but was assured it work be fixed once closed. The reason the payments were higher then expected was due to taxes being doubled. I waited for the the fix to be corrected, but Lakeview did not fix. I contacted Lakeview in XXXX and was told it would be corrected. I was requested to send the latest tax information. It was confirmed that Lakeview received the tax info and verified the tax was doubled. I was told that the tax info would be updated and the a new escrow analysis would be completed. In XXXX and XXXX, the tax amount was not updated and I was told to just pay the extra amount. In XXXX, again contacted and was told the issue would be taken care of. Today I called and found this the tax info was updated but then reversed and that my payment was not adjusted. So again, the customer reps have reopened the case to have the tax amount corrected and the escrow analysis be completed to show the correct amount. However I have no faith that it will be completed as I have tried for 3 months in a row.

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 2021-06-07 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: FL

Complaint narrative:
On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's XXXX, XXXX, and Transunion are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.

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 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
Nationwide recovery has contacted multiple times today even though I asked them not to I did verify myself and they gave me the whole spill and I ask the representative to provide me with an address or email so I can send a cease and desist their respond was it public info and when I asked for a manager I was transferred to a voicemail before that the lady kept saying its an old debt and how I do I want to take care of it even after she provided me with the info and I told her I dont have any recollection of the debt and ask why didnt the hospital send me a bill if that was the she didnt respond. The last person just called me and said I wasn't cleared on the previous call which wasnt even 20 mins ago I again verify myself and ask to cease and desist to my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was scammed and when I tried to get a refunded as my product was not received Cashapp would not give me a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I submitted a fraudulent claim for my business banking account to Bank of America on XX/XX/21 for the amount of {$13000.00}. The claim number is XXXX. I explained to Bank of America that I was scammed into sending a company {$13000.00} as a business investment and never received the products in return. I tried to recover the money by contacting the recipient and they have blocked me from all communications. Bank of America is stating they are not able to help with the fraudulent claim. I have a been a great business account customer with Bank of America for quite some time and would like if they would investigate the claim and refund my money.

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 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been trying to get the loan modification paperwork to my lender but they continue to delay my review. On XX/XX/XXXX I made a 3 way phone call with my counselor XXXX XXXX to answer 3 questions that they had. They were if i could resume making payments, if I could afford my currently monthly payment and if I was living at my residence. After calling them today for an update they are advising they misplaced the information. How can you misplace a recorded phone call. 


I am just trying to save my home and I need help not another excuse or provide information that their representatives failed to file correctly!

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 2021-06-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank NA / The Home Depot is reporting a charge-off account to XXXX and XXXX that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 XXXX XXXX have tried on several occasion to resolve my issues with Transunion everytime i file a CFPB report they keep using a stall tactic and stating that they need verification from me to proceed this is very frustrating and i feel like i am being taken advantage of. There are 3 accounts that are being reported on my credit report that i need removed which is XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX BECAUSE MY CONSUMER RIGHTS HAVE BEEN VIOLATED, I HAVE SUBMITTED AN AFFIDAVIT OF TRUTH AND GOT IT NOTORIZED THIS IS THE LAST CHANCE I AM GIVING TRANSUNION TO FIX THIS ISSUE BEFORE I SEEK LITIGATION, I NEED THOSE 3 ACCOUNTS LISTED ABOVE REMOVED PERMANENTLY FROM MY CREDIT 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