vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello Im trying to buy a house. This information on my credit profile is holding me a tried numerous times to have these account from Experian Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.Im demanding this be remove

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 2022-03-14 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: NV

Complaint narrative:
I don't really like how this page is designed, they don't give me many options. My complaint is specifically with Wells Fargo, I just discovered that they are stealing money from me, not only through credit but also through debit. 
A few days ago, I owed XXXX dollars, I paid XXXX, I only owed XXXX, because now I have a debt of XXXX. I also had problems with some airlines, unsuccessfully requesting their help, and nothing. 
I want a complete review of my account and if this matter is not with you then I ask you to direct me to the appropriate.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent out an ftc report indicating that i was a victim of identity theft. However credit report agencies did a terrible job in the investigation, they did not throughly investigate if these erroneous account were actually mine, and left them on my credit report which is severely hurting my credit right now, I need these credit Bureau to do a through reinvestigation and remove these erroneous accounts 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 non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent out an ftc report indicating that i was a victim of identity theft. However credit report agencies did a terrible job in the investigation, they did not throughly investigate if these erroneous account were actually mine, and left them on my credit report which is severely hurting my credit right now, I need these credit Bureau to do a through reinvestigation and remove these erroneous accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XX/XX/XXXX my husband and I divorced after 30+ years of marriage. We did not have attorneys but came to an amicable agreement on terms and I was awarded the home at XXXX XXXX XXXX as part of the agreement. We were in bankruptcy at the time but our home wasn't in bankruptcy and we thought I would be able to refinance. We found out I couldn't so we entered into an agreement where my ex-husband would pay me {$500.00} per month towards the mortgage as it was previously financed using his income and he was still on the mortgage. We planned to have him sign the quit claim after the bankruptcy was completed. He failed to keep his end of the agreement causing me to fall behind in mortgage payments starting XX/XX/XXXX. The bankruptcy was completed in XX/XX/XXXX and he has refused to sign the Quit Claim in order for me to refinance. On XX/XX/XXXX we went to court where the judge ordered him to sign the Quit Claim to remove him from the Title and Deed to the property at the closing of the refinance. I have tried forebearance loans, forgiveness programs through XXXX, refinancing but either XXXX XXXX XXXX is needed to send his documents and sign for the forebearance and he won't or he is needed to sign the Quit Claim ( I had a refinance ready and was at the closing in XX/XX/XXXX ) but he won't. I am currently in Covid Forebearance with Truist. They have reported to my credit that my balance is XXXX XXXX and that I'm not behind but they will not produce a current statement with the same information and I need this to refinance with a current lender. Truist promised to help but is not giving me the documentation they promised and that I need to move forward and save my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a check and letter to Chase requesting to close and pay off one of my credit cards with them. The payment was received and posted to my account by the end of the month. I monitored the account and the payment posted XX/XX/XXXX. I expected that this would perhaps leave a small balance outstanding due to the timing so I monitored the account, waiting for the remaining balance to post. I did not receive any further account statements and the account in the app and website showed a XXXX balance. The account then disappeared from the website and app and I received no statement for the month of XXXX. I assumed the account had been closed in accordance with my letter. Now, today, XX/XX/XXXX, I receive a statement saying I owe money on the account, and I have since XXXX. This is the first I'm hearing about a supposed two-month-old balance, despite monitoring my accounts and emails. I requested the statement be mailed to me, since my access to the account has been cut off, but if I had not been carefully screening my emails for notice of a balance, I would have missed this alleged balance entirely. I can't understand why they would hide this from me unless they anticipated sending it to collections against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEDCAH, Inc.
State: HI

Complaint narrative:
Medcah is repeatedly calling stating unpaid debt without contacting my insurance. 

I have talked to XXXX and they confirmed MEDCAH INC. has not contacted them at all. 

The lady on the phone was rude and dismissive and unhelpful. 

I emailed MEDCAH the following based on XXXX guidance : I contacted XXXX They said you did not contact them in regards to this claim. Fax them the claim at XXXX or mail them at : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

I have zero patience left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: RI

Complaint narrative:
In XX/XX/2020, I was contacted several times by " XXXX XXXX XXXX XXXX '', to refinance my house mortgage loan for a lower rate. After speaking with them I decided to take the offer and refinanced my mortgage loan. 

They had promised to give me a lower rate and affirmed that everything was valid. I closed on the refinance on XXXX XX/XX/2020 with a principal balance of {$270000.00}. I was told that I had a mortgage with XXXX XXXX XXXX. 

So I've been paying my mortgage for 2 years and 2 months now. Previously my monthly payment was {$1700.00} after a while XXXX raised my payment to {$2000.00} a month after they had fabricated some stories. They took possession of my previous escrow account and never reimbursed it to me, then claim that they had to charge me extra to catch up. 

Now after 2 years they decided to sell my mortgage to another company called " XXXX XXXX XXXX ''. for {$260000.00} And this new mortgage company now charge me for all the closing costs and claim that I owe them XXXX. So after more than 2 years my mortgage barly went down because XXXX has been taking all my payments for interested and fraud and have taking advantage of me. 

I'm complaining for XXXX to return to me all the money that they've taken from me unfairly, that they remove all the fees that they're trying to charge me and that I refinance with a decent mortgage company. I want them to return most if not all the payments that was supposed to go to the principal of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NH

Complaint narrative:
I ask that the CFPB compel AES the servicer to respond to my XX/XX/XXXX feedback from my initial CFPB complaint # XXXX. 

And today I report two separate events that have occurred since the initial complaint. These events demonstrate the servicers continued pattern & practice of : XXXX XXXX XXXX XXXX XXXX loan modification terms that are in the servicers economic benefitnot the borrowers Modifying loan terms without borrower consent. 
Servicer disregarding borrower instruction then using their discretion to modify the loan terms. 

1. In XXXX of XXXX there was a presidential order pausing student loan repayments. AES the servicer contacted me making me aware of this option. At that time I was working and continued to pay my monthly obligation. Then I became unemployed in XX/XX/XXXX. At that point I contacted AES via phone call informing them that I was now unemployed and would not be paying utilizing the presidential order. They accepted my communication, and my payments were paused. I discovered more than a year afterwards that they place the loan in a Unemployment Forbearance instead?!?!?! 

2. This Unemployment forbearance was to end in XX/XX/XXXX. That fall I was required to reapply for the annual XXXX XXXX payment recalculation which was completed timely and correctly. I learn after the XXXX deadline that they did not underwrite my file. This accelerated the payment amount to be {$1700.00} for the XXXX XXXX monthly payment. On a phone call in XX/XX/XXXX, I corrected them ( which had no material differences from my initial submission ) so they could complete the processing of my XXXX application. They did process my paperwork and adjusted my XXXX to a new 2022 monthly payment of {$390.00}. At that moment AES was requiring me to pay the XX/XX/XXXX {$1700.00} payment. I spoke with an AES client services manager to correct the XXXX payment to be the corrected XXXX payment of {$390.00} vs the {$1700.00} amount. That manager responded that he would call back with a resolution. I received no calls or communication until late XX/XX/XXXX when I called in to AES. Then I learned that my XXXX payment was added to the outstanding principal via an Administrative Forbearance which added that XXXX payment to outstanding principle Additional thoughts Why am I not being disclosed nor required to consent to their terms? E-Signature technology is commonplace and should be utilized for all correspondence with the servicer. To this point I contend that their disclosure does not meet legal requirements and should void the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
My first notice was XX/XX/XXXX. I contacted CCS regarding the debt collection. They claimed it was issued by XXXX XXXX. I spoke to the representative and explained XXXX is in network with my insurance and I will be disputing the bill. The representative placed my collection on hold. I contacted XXXX XXXX who then confirmed my insurance was in network and they were going to remove the collection. I received another collection notice on XX/XX/XXXX. I contacted CCS again, they stated I am now in violation of the requested payment and my credit score has been given a negative mark. I was forced to set up a payment plan immediately on a bi-weekly status, because I am trying to buy a house. I made my first payment XXXX. I contacted XXXX again regarding the collection. XXXX stated they had put in the stop to the collection. I did not pay a payment and the next letter was demanding the payment of XXXX in full. I again called CCS they claim they didn't have any stop notice and will continue with collection. The rep also stated I received another negative mark on my credit score for nonpayment. I continued to make the biweekly payments. I made the last payment in XX/XX/XXXX. I received a new invoice from XXXX demanding another amount after I paid XXXX in full. I called XXXX again and spoke to a manager XXXX XXXX. She stated CCS received the stop notice on my collection in XX/XX/XXXX. I explained to her CCS continued to collect the amount in full and continued to add negative marks on my credit score. I am now waiting for a full refund of XXXX. CCS had no legal right to continue with a collection, they were provided a stop to the collection and continued along with giving me negative collection marks on my credit score. I set up an account with CCS to make payments and receive notices. CCS has removed all my information and payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/2022, requested a status update on a few disputed transactions for items not received from merchants I have open with them which have gone way over the 90 day completion date 2 days ago. On XX/XX/2022, I woke up to an email stating my account is restricted and requesting a picture ID and proof of address, which was sent over an hour after receiving the email. The email stated stated it was due to " recent suspicious activity '' on my account, which this bank will not tell me what suspicious activity. I only use this account for direct deposit of my employment checks and everyday purchases such as food or bill paying. I truly believe my account was restricted in retaliation to me asking about those disputes that had not been resolved after over 90 days. I think this was done just to give them more time to stall with the disputes. All of the money I currently have is in this account and I am unable to take care of my basic human necessities or pay bills because I can not access my funds it is going on day 5 of the account being restricted. They have no customer service phone line and do not respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: HI

Complaint narrative:
My checking account and online banking with SoFi have been locked and restricted since XXXX XX/XX/2021 due to supposed suspicious activity. I attempted to call and email SoFi customer service on a daily basis and then weekly basis to no avail. All I received were automated responses and no call back to my numerous voicemails left. 

Finally, on XX/XX/XXXX or XXXX I received an email saying that my account had been closed since I did not address the negative balance there was due to a reverse on a provisional credit given to me. It was frozen so I was not able to deposit or remedy the XXXX situation whatsoever. They also stated this would be reported to the IRS or any pertinent creditors. I am very upset by this and appalled by the lack of customer service or attention on SoFis part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been on the phone with Capital One since Friday trying to fix an issue with me sending a zelle payment. I have gotten mixed messages and no resolution. I have gotten error message from their app and online system and all their trouble shooting hasn't helped me at all. Instead, it keeps blocking me out. You would think that they have someone dedicated to zelle payments or have a dedicated contact with zelle but no. Instead they are telling me to reach out to my provider to see if they have a short block on my account. I have asked for it to be escalated to an executive team or the CEO or Chairman 's Office and she told me I would have to send in a letter for that. Wow, are we in 2022 or what? Mail in a complaint. The person I spoke with Saturday said she was going to escalate because the tech team doesn't work on the weekend. They never called me back so I called them back today and they took me around the same circle. So ridiculous and frustrating. They even told me to try something else like XXXX or XXXX. Wow! My money is with you and how do you even know I have access to those methods. This should be between you and your third party vendor to help me your customer. I need to get away from this bank but I have pending transactions. This is such awful customer service. I will keep complaining until someone hears my voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was notified on XX/XX/2021 that there had been fraudulent charges on my Citicard debit/mastercard. I immediately called and went over the 23 charges and was told that they would give me a provisional credit and would speak to the merchants to reverse the charges. I checked in with Citibank at the beginning of XXXX when I hadn't received any documentation by mail and was told that the complaint had never been processed and then went over the fraudulent charges with the representative and was told that I'd received documentation in 7-10 days. I did received the documentation but it didn't include two of the larger charges which were to charges to XXXX XXXX XXXX XXXX of which I'd never heard. I called again in XXXX and was told that those two charges were never submitted and that they would be submitted. The two original charges were both on XX/XX/2021. Both are XXXX XXXX XXXX XXXX. The amounts are {$230.00} and {$260.00}. They did initially give me credit and then started to send me letters saying that it had been too long since the fraud for me to be credited even though these were not my charges. I called in XXXX and asked that the cases be reopened and they credited and then reversed the credit again. I went into my branch on XXXX XXXX in XXXX, NY XXXX and they agreed this was ridiculous and helped me write a letter asking that this be investigated. I received duplicate letters asking me questions about my request as if it was a dispute of a purchase that I'd charged. I explained several times in several letters that this was a fraud claim and not a dispute about a purchase, but was never responded to. I am reaching out to you because I am so frustrated and can't believe that Citibank is holding me responsible for something that they didn't handled. Please advise, XXXX 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 monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: KY

Complaint narrative:
I obtained a credit card through a company named first progress. It was a secured card that I initially put XXXX of my own money on. I only made a few purchase totaling XXXX something odd dollars. I begin to read how people were having issues making payments and they would be charged late fees, so I decided to cancel my account within a month of having the card. After a few hours I managed to get a hold of someone from customer service and he basically said that I wouldnt owe anything since it was a secured card with my own money on it. This was back in XXXX of 2021.fast forward to XXXX of 2021 I begin to notice that I was getting late fees affecting my credit rating. Turns out they were still charging me late fees for a card that I canceled. Now there saying that Ive accumulated XXXX dollars worth of late fee and that I didnt cancel my account until XXXX of 2021. Which is a flat out lie. I need help please I dont have any one else to turn to. They also keep updating on my credit report as if Im still using the card.

Company response to consumer: Closed with explanation