vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed a charge off account posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 and IRS PUBLICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Today I receive an email stating that an account have been approved and opened with Wells Fargo that I did apply for. The following email was a change of information to an unknown email. I immediately called Wells Fargo to freeze the account and make a fraud account. They informed me that an account had been opened, but I would need to do inside a branch to receive detailed information of activity. I then locked my credit report with all 3 major bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Here is a random look at the mortgage transactions for the past year XXXX : - XXXX. On XX/XX/XXXX on their website it indicated there were 8 fewer payments with 85 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. Unfortunately I did not take a screen shot of their website! 
2. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 83 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. 
3. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 82 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
4. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 81 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
5. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 80 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
6. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 78 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
7. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 74 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 

Why is it that the number of few payments keep changing up and down from 8 to 4 then 3 and then to 4 and again to 3? The pay off dates keep changing erratically! Where is the extra principal being paid going? 

This is PREDATORY since " Predatory lending '' has become shorthand for describing a variety of lending practices that may be disadvantageous to borrowers. It can mean any type of abusive lending practice where the lender benefits through unworthiness, deceit, misrepresentation, bad faith, or dishonesty. Can you really dispute this? Certainly the records show unworthiness, deceit, misrepresentation, bad faith, or dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: GA

Complaint narrative:
I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to XXXX, Transunion, and XXXX on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: GA

Complaint narrative:
I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to XXXX, XXXX, and Experian on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
I originally locked my rate on XXXX for a XXXX Loan for XXXX XXXX  down on a condo with {$300000.00} purchase price at a rate of 2.875 % with {$110.00} in origination fees. Since I was working with a Better Real Estate Agent and qualified for Betters appraisal guarantee which states that " we will not require our customers to bring any more cash to close or pay a higher monthly payment as a result of a low appraisal '', I felt comfortable putting an escalation clause into my offer which resulted in the final purchase price of {$300000.00}. When the appraisal came back on XXXX, it was lower than the accepted purchase price, at XXXX. My Loan estimate was then altered despite the appraisal guarantee to include {$2300.00} in origination fees with no other adjustments to interest rate. I brought this to the attention of my home advisor on XX/XX/XXXX by email and phone and received a reply on XX/XX/XXXX acknowledging that I was eligible for the Appraisal guarantee and that Better would be working on reverting the increase in origination fees. When I received my next few loan estimate updates, it was still at the wrong {$2300.00} fee but I only started worrying about it as my closing date approached. Starting 3 days before the final loan approval date, I started to call to try to have this corrected. On the day of my closing, which had been delayed from the original XX/XX/30 date to XXXX due to the lack of closing disclosures, it had been adjusted down to {$450.00} but still higher than the original rate. After at least 3 more phone calls and hours on hold on the day of closing, Better called me to say that they would correct the closing disclosure and send it immediately. Despite this assurance, the new disclosures had a {$360.00} fee ( still {$250.00} more than the original ) which I signed because I had already been waiting for three hours at the title company. I would like Better Mortgage to refund me the {$250.00} based on their guarantee and to take steps to correct this dishonest practice of never correcting a " mistake '' until I had no choice but to accept it. 

The holidays meant that my home advisor and his backup were all out of office and I could never speak to anyone on my loan team or anyone else who could change the origination fee or explain the discrepancy to me. I must have placed over 10 calls to Better and never managed to speak to anyone who could effect any actual change. Despite promising to call me back on many occasions, they never did and I was mysteriously disconnected up to 4 times while on hold. Despite acknowledging repeatedly the urgency of my request, even as I was sitting at the title company for closing, no one ever returned my calls. To me, it seems that Better Mortgage only uses its front line customer service representatives to delay without empowering them to actually help the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I made a payment on XX/XX/XXXX of {$300.00} that posted to my account on the XXXX. However, the credit card company will not release the funds even though its posted. 

I called and they said can't release available credit for 14 days. I asked to speak to a manager. The manager said the same thing. I was told NOBODY has the ability to release the credit. I then asked to speak to his manager. I was told manager would tell me the same thing but put me in a queue. I heard music and then suddenly it stopped and I hear dead air but the call is still connected. 40 minutes and nobody is speaking. 

I have an emergency and they have taken my money from my account but refuse to release it. Then I just got ghosted. As I'm typing this, the call is still connected but dead air. Nobody will respond. 

This is unacceptable. They have taken my money and refuse to release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My student loans were transferred from Sallie Mae to Navient ( without my consent to start ). I went to XXXX University in XXXX and returned in XXXX but could not finish as I had capped out on my loans. At no time, when I was XXXX, was I advised the school maybe too expensive for my family. At the time, my mom made a salary of XXXX and was the sole provider. 

My debt has been in forebearance several times, as I am a single mom to a son with XXXX and also a sole provider. I have asked Navient numerous times how I can repay without nearly 80 percent of the payment allocated to interest. They said there were no options and that the income repayment plan was the only option. I have deferred twice during all of these years and make $ XXXX with a debt that has risen to $ XXXX for a bachelors I still do not have and in a subject that has nothing to do with my job. I majored in XXXX studies, acquired 88 credits, and I work in accounts receivables. That has been my profession for nearly 25 years. 

In reading the current settlement, I believe they have deceived me as they offered me no feasible option to pay down my loan. I cant even rent an apartment as my income to debt ration is so high. I am living in an unhealthy situation with my son who needs peace and we need to move. All I want is fairness. The interest they have charged me is nearing XXXX! on a XXXX loan. That is outrageous. No other card or line of credit takes a monthly payment and applies it all to interest first at 80 percent then 20 to the actual debt amount. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
To whom it may concern, It is XX/XX/2022 and I am in possession of the investigation results from Transunion regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time, I will like to inform you that, the letter which states that your agency has verified the account as accurate is unresponsive to my demand. 
Once again, I am demanding the following documents to VALIDATE this account. A signed lease agreement baring real my signature, and the tenant receipt of key ( s ) form also baring my signature and stating that, I XXXX XXXX acknowledge receipt of keys for this landlord 's premises located on XXXX XXXX XXXX XXXX XXXX, TX XXXX on the alleged move-in date. 
This is not a request for " verification '' but a request for VALIDATION. I am requesting your offices to provide me with competent evidence that I have any legal obligation to pay them. 

Please be advised, this is a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g. 

If your offices are able to provide the proper documentation as requested in the above description, I will require at last 30 days to reinvestigate this information, during which time all collection activity must cease and desist. Also during validation period, if any action is taken which could be detrimental to my credit report, I will consult my legal counsel for suit. This includes any listing of and information to a credit reporting repository that could be inaccurate or invalidated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I got a call from someone claiming to be a Wells Fargo representative, claiming there was an attempt to wire {$3500.00} from my checking account to another bank, and I needed to take steps on my wells fargo account to " return '' the money. The call came from a wells fargo number and the person sounded very professional, etc. They had me log on to my online account and had me take several steps while they were on the phone such that somehow my account sent money to another bank via XXXX in the amount of {$3500.00}. I opened a fraud claim with Wells Fargo and they did an investigation. Although they admitted it was fraud, they would not reimburse me for my loss. This appears to be in violation of CFPB regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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:
THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 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: CA

Complaint narrative:
THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: Financial Business and Consumer Solutions.
State: NH

Complaint narrative:
I receive phone calls from a collection agency regarding a bill I paid off. It was an overdraft loan and through The XXXXXXXX XXXX here in XXXX, NH XXXX. This bill was paid in full by me physically going to the bank and making payment to them. My husband passed away XX/XX/2021 and I paid them off on XXXX XXXX. I do not owe the XXXX any money & I no longer do business with them. 
I just got a call from their collection agency last Friday XXXX XXXX. Their listed as FBCS Consumer Contact Solutions - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX, PA XXXX - toll free # XXXX. 
I want this corrected ASAP on my credit report etc. as I am trying to refinance our home. I need a lower mortgage payment since my husband 's passing last XXXX with XXXX. My income has been significantly decreased due to his passing. Thank you so much for any help you may provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
AmShaer is a debt collection company. The XXXX XXXXI received AmSher 's letter that I had the debt, but it doesn't provided the name of the company. After contacting by letter, I received AmSher 's second letter yesterday, informing that the creditor company is XXXX XXXX XXXX. 
I dont know above both companies, and I feel that my information may be leaked, so I complain them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OH

Complaint narrative:
I called the usbank at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX at home and asked the customer service Dept at usbank how could I make a Cash advance from my pay roll credit card called Wisely credit card of XXXX to my usbank checking account Online but she for this service you would have to go into the local usbank so I went to usbank on XXXX XXXX in XXXX XXXX Ohio XXXX grocery store and inside of XXXX XXXX store is a usbank. And the XXXX  Teller told me when I went up to the counter and had requested a Cash advance and XXXX money orders and withdrawal for XXXX and a cash adavance of XXXX my Wisely credit card on to my usbank checking account but the girl teller claims that the computer shut down and I would have to wait an hour before the computer shut back on and when they did come back on she gave me my money orders and she claimed that you Cash advance was completed and when I got home I checked my Bank account to see if the XXXX was in my usbank checking account but it was not there so I called Wisely credit card and asked the Lady where is my XXXX that usbank just did a Cash advance for and she said we sent that money to zaragara market place in XXXX Ohio and she said I bet you that XXXX is sitting up in XXXX XXXX place in XXXX Ohio so I contacted usbank to file a dispute but they refused to let me file a dispute for XXXX that I did not authorize to go to XXXX XXXX place in XXXX Ohio XXXX And after I found out that they did not want to credit me for all the money they had taken out of my usbank checking account because of the XXXX had made my account withdrawal or insufficient funds and they did not want to credit me back because it was not my mistake it was there and every since I started getting direct deposit check into usbank checking account they withdrawal XXXX XXXX times just before I get my check every week and I have some recurring payments that I did not authorize and since they found out i had contacted the office of comptroller of the currency in Texas they had the recurring accounts changed earased and just took my money. Every week I get charged {$36.00} XXXX times from the 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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I contacted current this summer to close my account and receive a refund. I was overcharged for fees and they continue to charge me fees. Also, they have not sent me a check for my money. I want my money back via a direct deposit to my bank or a check. I do not want gift cards. Please help me They owe me over {$500.00}

Company response to consumer: Closed with monetary relief