vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
In XXXX I needed to file for bankruptcy. This was due to a hardship and fell behind a couple of months during my loan with XXXX. On XX/XX/XXXX, I had the bankruptcy discharge in the amount of {$33000.00}. The amount included my late payments, lender fees, attorney fees and interest ( Attachment 4 ). 

Sometime at the end of XXXX, XXXX sold my loan to XXXX. When XXXX received my loan and I started to get mortgage statements, they wanted to charge me interest for 1172 days delinquent in the amount of {$92000.00}. Since I had made every payment during and after the bankruptcy, I questioned them about this ( also contacting my bankruptcy attorney ) to find out why I was charged interest during the bankruptcy period. ( See Attachment 1 ) On XXXX XXXX, XXXX I received a breakdown of payment history that included {$410000.00} of delinquent interest. After contacting my bankruptcy attorney, I was told that they could not charge me interest during my bankruptcy payback period since my regular mortgages were paid on time. 

At this time I owed approximately $ XXXX on my mortgage. When XXXX sold to XXXX the amount owed on the mortgage went to {$260000.00}. I contacted the Department of Banking. I was told XXXX informed them I did not have hazard insurance, even though I did, and that is what the fees were for. DoB informed me that XXXX had a lawsuit for just this issue, which I knew, and had actually filed a suit with ( Attachment 2 ) was provided proof of this, and in XXXX of XXXX I received a statement saying I now owed XXXX, not XXXX. Some improvement - but still not correct. 

XXXX then had me sign a HAMP for $ XXXX because if I did not, my payments of $ XXXX would go to over $ XXXX. 

Then XXXX was bought my Mr. Cooper in early XXXX. In XXXX of XXXX I received my first statement with additional Lender Fees of {$22000.00} ( Attachment 5 ). 

I have been asking for over 3 years for a breakdown of these " Lender Fees '' and sending documents of everything they have asked of me - multiple times. 

I even inquired about refinancing with Mr. Cooper, and ironically,, they said they would drop the $ XXXX but my payments would only decrease by $ XXXX. 

I decided to go with someone else, and ironically, after another mortgage company asked for a payoff amount in XX/XX/XXXX, I received notification on XXXX XXXX that they are selling my mortgage to XXXX XXXX XXXX XXXX. 

I am at my wits end. I can not get a straight answer and nothing is adding up. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have a 30-year home mortgage with Wells Fargo XXXX We applied to refinance the mortgage to a 20-year mortgage ( with a lower interest rate ). We locked in a lower interest rate. 

We filed our 2021 tax return on time, i.e., by XX/XX/2021. We sent Wells Fargo a copy of the tax return. After that, Wells Fargo said that they needed to verify our tax return directly with the IRS. We authorized the IRS to verify the return directly with Wells Fargo. 

Verifying our tax return was the only thing remaining before our refinancing would be approved. In fact, Wells Fargo designated a " closer '' to close the deal. 

The IRS is so profoundly backlogged, due to Covid, that they still have not " processed '' our tax return. This is a well-known national issue -- there are many news articles about this. As recently as the beginning of XXXX I called the IRS and was told we'd have to wait up to twelve ( 12 ) more weeks for the IRS to process our return! 

I informed Wells Fargo that we'd have to wait until the IRS cleared up its backlog enough to " process '' our return ( so that Wells Fargo could verify that, indeed, we had submitted them a true copy of our tax return ). ( Wells Fargo stated they did not believe we had submitted a fake tax return to them. ) Wells Fargo 's response to my informing them of my call with the IRS was to tell me that they were " canceling '' our refinancing application. 

XXXX XXXX, Wells Fargo 's Home Mortgage Consultant, with whom I had been working for the duration of this refi application, told me on a recorded call that he disagreed 100 % with Wells Fargo 's decision. 

We have spent money and time on this application. Additionally, interest rates have increased. 

We have not been dealt with in good faith by Wells Fargo.

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 2022-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: WI

Complaint narrative:
I got a consumer loan for new windows through Aqua Finance. I got behind on payments last summer and made up for late payments in XXXX. In fact, I made over {$3000.00} in payments in XXXX alone. When I continued to go back online to my account to look for a new billing statement - I was rather confused as to why there had not been a new billing statement posted since the beginning of XXXX. Regardless of late payments, I needed to see a current billing statement to see where I was with balances. When I realized they had not posted a new one in months, I wrote to them first week of XXXX to inquire. I received a reply that they " don't do that '' on accounts in arrears. I demanded a current statement to ensure my {$3500.00} in payments is being properly credited. They stopped responding to me. I wrote again today and inquired why I STILL have not received one nor is there one posted on my account. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/XXXX around that time, I had a disagreement with my ex and he stole my bank of America debit card and deposited a fake check into my account which the money never went through everything was canceled by the owner of the check I'm guessing. My account was closed for something I didn't do and for something I was not aware of and I want to clear my 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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage ( FM ) mishandled my escrow account : In XX/XX/XXXX, FMrecorded & paid wrong amount for my homeowners insurance from escrow. Paid {$2700.00} to XXXX XXXX XXXX XXXX for my homeowners insurance from escrow acct ; correct amount due was {$1.00} XXXX. I caught the error in XX/XX/XXXX & contacted XXXX to fix it. They transmitted the correct policy amount to Freedom Mortgage of {$1900.00} & reimbursed me {$790.00}. In XX/XX/XXXX, FM sends annual escrow statement and it contains erroneous {$2700.00} payment used to calculate new mortgage payment. As a result, my monthly mortgage payment increases by {$140.00} as they believe there is a shortage. I contacted FM by email & direct message on XX/XX/XXXX of the error & please fix it as it caused my payment to go up effective XX/XX/XXXX. Received a reply it will be researched & reply by XX/XX/XXXX. Never heard back. On XX/XX/XXXX I called & was getting run around saying can't get answer til do another escrow analysis & now it's XX/XX/XXXX for next reply. I stated that was unacceptable as my next mortgage payment is due before then. Please give me to supervisor. Put me on hold for Escalation Dept and was on hold XXXX min when they disconnected my call!! I had to call back & go thru whole thing again. Was on hold another XXXX minutes before got to Escalation Dept. She tried to tell me I was wrong & we went back & forth until she brought the insurance department into call. Took another XXXX minutes explaining the error to them & finally they offered to request new escrow analysis on XX/XX/XXXX. I asked if that will be in time to be reflected in my XXXX payment & she couldn't say... I asked if I would be contacted of the results & she said I can just keep checking the website to see if it shows up and eventually will receive notification by mail. I was on phone from XXXX am - XXXX!! This is a recurring them with FM.. can't get someone to help that's knowledgeable, get a different answer each time you call, promises to reply by specific date go unanswered, employees try to tell you you're wrong & just wait it'll get fixed, no offer to provide a dedicated phone number for help when the problem doesn't get fixed by date indicated, no apology for the error, shouldn't take that long to correct an account error, no urgency or concern that my mortgage payment increases by {$140.00} a month because of THEIR mistake & no urgency to fix it!!! This company needs serious oversight & to be audited by investors XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: MI

Complaint narrative:
The credit Bureaus have ignored my request for their methods of verification regarding accounts that are inaccurately reporting on my credit report. I am aware that according to the FCRA the Bureaus are required to provide such methods if requested by the consumer. Instead they choose to blatantly ignore me and my request all together forcing me to take additional measure such as filing a complaint. 

I'm exhausted and simply want to correct any errors and inaccurate reporting on my credit report but they aren't conducting real investigations. They're only providing automated responses which is doing harm to my credit because I am not able to have these issues resolved.

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 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony bank has called me 3 times daily using robocalls for a debt I am delinquent on, starting XX/XX/XXXX. I know they are robocalls, because they have left voicemail each time, which I need to delete in order to keep my mailbox working. I still have four voicemails in my inbox starting from XX/XX/XXXX. The times they called, according to my call log, and all with the ( XXXX ) XXXX number are XX/XX/XXXX : XXXX XXXX ( twice ), and XXXX XXXX XX/XX/XXXX : XXXX XXXX, and XXXX XXXX ( twice ) XX/XX/XXXX : XXXX XXXX, and XXXX XXXX  XX/XX/XXXX : XXXX XXXX ( twice ) XX/XX/XXXX : XXXX XXXX ( twice ), and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
Mohela contacted me XX/XX/XXXX informing me they are now servicing my student loan. I paid in full to XXXX XXXX on this loan already with paid in full notification XX/XX/XXXX. I called mohela and XXXX a phone supervisor said fedloan made mistakes and i emailed my proof of payment to him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account in the Citibank branch on XXXX XXXX ( XXXX, CA ) upon advise by the banker that this account would earn a cash bonus after 60 days. It has been over 1.5 years and I have gone to the bank several times, contacted customer service, filed investigations, and still no bonus. Every time they give a different reason - old account was closed, didnt open checking alongside, etc etc. No one is able to resolve this issue in Citibank and they keep asking me to go to the branch in person. 
The branch manager opened my account and promised I will receive a cash bonus - still no one is able to address the non payment of bonus. Looks like they scam customers by promising cash bonus and then give a run around when it is time to give the bonus. Heard many other customers have a similar issue.

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American First Finance, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from American First Finance in regards to a collection account in the amount of {$730.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I received text messages and phone calls from MRS BPO LLC about a collections balance. The offered me a settlement of {$3700.00} to pay off a balance for XXXX XXXX XXXX student loan account that was in collections. XXXX XXXX told me that I had until the XXXX of XX/XX/XXXX to pay the balance. XXXX XXXX XXXX XXXX lend me a loan for the balance to be paid. After the balance was paid XXXX said that XXXX XXXX would be notified that the balance was paid in full. After several attempts to contact XXXX I finally got in touch with a representative today XX/XX/XXXX, and she said that she had not heard of the company MRS BPO LLC and that they may have had me pay a balance of a loan, that had already been removed from my credit. One of the loans was removed from my credit in XXXX when I appeared in court. The representative had been believing that I was paying a collection balance that was " currently '' reporting on my credit from XXXX XXXX. Instead this company had me pay a balance that I was no longer obligated to pay and had already been removed from my credit. I want my money back and this business to be reported for bad business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I got a call from XXXX. He told me his name was XXXX XXXX and he was calling from Wells Fargo Fraud Department and there was fraudulent transactions being made on my debit card and if I could verify it was me. There were XXXX transactions he named that he said were made in Georgia. One was for {$200.00} one was for {$3000.00} and one was for {$500.00}. I declined that any of them were me since I live in Pennsylvania. He then told me that he needed to make a new account for me and that I needed to wire my money from my account to my new one having the money be transferred to myself. He told me if we got disconnected his name was XXXX XXXX and gave me a reference number. I wired {$14000.00} over to the account and the phone hung up. When I called back it directed me to Wells Fargo. I thought it was suspicious after he didnt call me back since the number was a Wells Fargo number. I filed a claim with Wells Fargo for wire transfer fraud and the woman I spoke with, XXXX, told me that they disguised the number as Wells Fargo to make it look like it was them really calling.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been in constant contact with TransUnion Fraud Department regarding US BANKRUPTCY COURT account XXXX. I have provided all of the information that they have requested in a timely manner including but not limited to : Identity Theft Report FTC Report Drivers License Social Security Card Document Signed Notary Police Report I have also followed up via telephone multiple times. Each time I speak with a representative they advise the accounts are valid with no explanation or proof. I have been met with multiple stall tactics that include : Claims that I am a Third- Party : I have PROVEN through phone calls and documents sent that I am working alone to correct this issue.

Information not received : I have again PROVEN through tracking confirmations that they have received my documents as requested. 
Verified through eXXXX system and not by a full investigation : According to the FCRA I am entitled to this, which has not happened. 

This also is not posted on any other bureau.

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
Due to relocation, I cancelled monitoring services with XXXX XXXX in XXXX of XXXX  by phone. There was no outstanding balance or contract. I was told by a representative that the account was canceled. Starting XXXX of XXXX, the company started sending notifications that were forwarded by the post office, stating I needed to contact them about services. I contacted them and wasn't able to speak with management but spoke with rude representatives who insisted that I owed them money and that I had services with them that were currently being used. Today, I received a letter from Sequium Asset Solutions stating I owe {$140.00} and they're attempting to collect the debt. I called them 5 times and get disconnected each time I start telling the representative why I'm calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-21 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEFITED FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS

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 2022-01-21 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: AL

Complaint narrative:
The dispute was submitted to Equifax LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for XXXX XXXX XXXX  account Account # - XXXX. The account is paid in full. Documentation to include payment history, statement, and letter from the company stating the account was paid in full.

Company response to consumer: Closed with explanation