vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
I hold a mortgage with Atlantic Bay Mortgage for a condo located on the beach. As part of my home owners insurance, the condo association maintains flood and wind-driven rain coverage for the entire building. 

I was contacted last fall by Atlantic Bay Mortgage or their agent and asked to provide a copy of the flood insurance policy. The notice indicated that if I did not have flood insurance, they would purchase it for me. The insurance agent faxed over a copy of the policy within the required time to the fax number provided. However, Atlantic Bay ( or their serving agent ) proceeded to purchase Flood insurance on my behalf at a cost of over {$8000.00}, which they then immediately removed from my escrow. 

I called several times to resolve this issue. I was told that they could not see the insurance information correctly because it had been faxed rather than uploaded via a QR code. ( Again, it was faxed to the number that they had provided in their initial instructions ). 

After several phones calls, they finally confirmed that they had the information and that they would : ( 1 ) cancel the flood insurance retroactively and ( 2 ) return funds to my escrow account.

However, instead, my next statement showed an increase in payment due from approximately {$1600.00} to over {$3200.00}. This increase was related to the escrow amount that had not been returned.

Once again, I called Atlantic Bay Mortgage in midXXXX and asked for the situation to be corrected. I was assured that they would correct it no later than XX/XX/XXXX and that my payment due XX/XX/XXXX would be for my normal amount ( approximately {$1600.00} ). At that point, I had little faith in the company and asked the agent on the phone to make a note to my account that they were not auto-draft the incorrect amount of {$3200.00} on XX/XX/XXXX. 

However, they did in fact deduct the incorrect amount from my account. As of today, XX/XX/XXXX, my XXXX statement continues to show the incorrect amount. 

Not only that, but I have now received a second letter asking for verification of wind coverage ( which was included in the policy that was faxed to them in fall ). This second letter also indicates that they will purchase coverage on my behalf if they do not receive the confirmation ( which they have already had for several months ). 

Attempts to contact AB Mortgage result in long hold times, difficulty reaching a person, and their inability to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Please see attached documents as it contains my complaint and identification.

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 2021-03-16 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Education Financial Services reporting to credit bureaus that my name is on the following account as a co-signer. This is not correct. I did not co-sign for this loan. 

Account number XXXX Wells Fargo Case Number ( for dispute I opened ) : XXXX Wells Fargo sent me a Fraud Packet to complete and return to them for further investigation. This packet includes their requirement to file a police report and send them a copy as well as a signed, notarized statement indicating that I would support the civil proceedings against the fraud perpetrator. 

I will not complete the Fraud Packet request. However, if I must, the police report will reflect the perpetrator as Wells Fargo Education Financial Services. 

I see in 2016, Wells Fargo Bank was held accountable for similar actions to the amount of {$3.00} XXXX in penalty.

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 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a loan modification through Bank of America. The balance at the time was approx, {$88000.00}. 

After the loan modification, my balance increased {$30000.00} approx. I want to know why this significant increase. I was told that if I didn't sign the forms that I would lose my home and I don't have any place to go. I'm XXXX, XXXX and low income so I feel like Bank of America is discriminating against me because of it. my remedy is to do the loan modification without the {$30000.00} addition. also please explain the {$30000.00} addition.

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 2021-03-16 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: TN

Complaint narrative:
On XX/XX/2021, I submitted a dispute with XXXX, Equifax, and XXXX. I asked them to verify inaccurate accounts. They have yet supplied me with the outcome of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: GA

Complaint narrative:
I WENT THROUGH MY CREDIT PROFILE AND MY IDENTITY HAS DEFINITLEY BEEN COMPROMISED. SOMEONE HAS STOLEN MY IDENTITY AND OPENED SEVERAL FRAUDULENT ACCOUNTS. THESE ACCOUNTS ARE A VIOLATION OF MY RIGHTS DUE TO THE FACT ITS IDENTITY THEFT. THESE ACCOUNTS ARE CASUING A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUTNS AND INQUIRIES 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 2021-03-16 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: GA

Complaint narrative:
I WENT THROUGH MY CREDIT PROFILE AND MY IDENTITY HAS DEFINITLEY BEEN COMPROMISED. SOMEONE HAS STOLEN MY IDENTITY AND OPENED SEVERAL FRAUDULENT ACCOUNTS. THESE ACCOUNTS ARE A VIOLATION OF MY RIGHTS DUE TO THE FACT ITS IDENTITY THEFT. THESE ACCOUNTS ARE CASUING A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUTNS AND INQUIRIES 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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My stimulus money was deposited on XX/XX/21. American Express Bluebird  will not allow me to access my money at all, I can't spend or withdraw any of it. I've tried calling customer service but all they do is hang up on me. They seem to be doing this to everyone that received a stimulus payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! XXXX, TransUnion and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I WAS NEVER LATE ON THIS ACCOUNT. I WAS IN A PANDEMIC RELIEF PLAN BUT THIS COMPANY MARKED ME 30 DAYS LATE FOR XX/XX/2021. I HAVE ATTACHED A SCREENSHOT OF THE PANDEMIC RELEIF PLAN DIRECTLY FROM THE COMPANY 'S WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is the named insured in my lender placed insurance policy. In 2019, the insurance company approved an inadequate amount of money to replace my roof. I can not dispute the amount because I am not the named insured on the policy. 

Since 2019, I have asked Bank of America to dispute the inadequate money. But Bank of America will not dispute the amount. The insurance policy says Bank of America is the only entity that can request an appraisal for my roof replacement. However, Bank of America will not do so. I can not dispute the amount because I am not the named insured on the insurance policy. 

I need someone to help me instruct Bank of America to exercise its right to request an appraisal for my roof replacement so I can receive an adequate amount of money to replace my roof.

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 2021-03-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! Equifax, XXXX and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! XXXX, XXXX and Experian need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

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 2021-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I had take a student loan out through my local credit union which was routed through University Accounting Services referred to as UAS from here. I have experience in loans and finance and believe their tactics are predatory. 

Although through UAS they have several companies like XXXX XXXX  and XXXX XXXX. I updated my address with UAS and checked the balances to ensure I was not past due which made sense given I just graduated. 

After this my father and I received a delequincy notification from the provider. Trying to make this right I called UAS which was the company on the bill saying past due. They informed me that everything was fine and it was likely an issue on the credit scoring company. A month later I get a second delinquency notification. After calling back I found out they weren't looking at both companies they owned and had two separate portals for their loans. Because of this despite calling and trying to pay I was not getting bills to the right address, and it showed now balance in my portal. 

Having two separate portals and treating them as two separate services is very deceptive in my opinion. As a consumer I am still dealing with this and now have had my credit score dropped over 100 points and have waited 15 days for a response after being told to email the company and complete aforebance form despite multiple follow-ups. The worst part is I have stated multiple times I am fine paying them if I owe money on my loan and set-up monthly payments to ensure there is no issue but I have been meeting with hostility. 

The company has framed it as my fault I didn't understand they own two separate loan providers despite both being owned by there company. 

Once XXXX comes if they have not fixed it I will have had a triple month delinquency. This is affecting both my father and I and could very well likely delay my ability to purchase a home due to the massive credit score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian XXXX is reporting the wrong mileage for my vehicle. They say its XXXX when its really around XXXX. Their wrong information damaged the value of my car. They refuse to change it without me providing evidence from a service shop. This would require me to spend money to fix their inaccurate data.

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I spoke with XXXX XXXX XXXX # XXXX on XX/XX/XXXX and he took my application over the phone to refinance my existing loan. He quoted me a rate and terms and called back a few minutes later stating that the rates had increased during our call but would get the original rate approved and would get back to me later that day or the next morning. He has not contacted me or returned my repeated calls or emails. I also have not received any disclosures that are required to be mailed. I spoke to XXXX XXXX yesterday and requested to speak to XXXX XXXX supervisor and was transferred to another voice mail. I left a message and no one has returned my call.

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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Transaction date : XXXX XX/XX/2021 XXXX : XXXX XXXX  ( {$5000.00} XXXX XXXX : firstly they said they will not recover my funds and now they dont even reply my inquries I sent my XXXX XXXX worth of {$5000.00} from XXXX XXXX to coinbase exchange but by the system problem in coinbase they provide me XXXX address instead of XXXX address and my XXXX money has been stuck in XXXX exchange which is under coinbase and only coinbase can help me i am trying from more than XXXX weeks first they said they will not recover my funds and not they not even reply my inquiries i am feeling soo XXXX  and cant explain what type of problems i am facing please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 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: TRUIST FINANCIAL CORPORATION
State: VT

Complaint narrative:
I received my first mailing from SunTrust in the summer of XXXX. I had never heard of this bank, they have no branches where I live, yet they sent me information about a checking account I never opened. At that point the balance in the account was XXXX. I called them and asked them to close the account and thought that was the end. But in XX/XX/XXXX I received a statement again showing a XXXX balance but now there was a {$3.00} for the paper statement. I wrote to their fraud department to explain I never opened the account, refused to pay the {$3.00} and again asked them to close the a count. On XX/XX/XXXX I received mail from SunTrust XXXX XXXX  saying the account has been closed but there is a charge of {$47.00} for this. Again, I never opened any account with this 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 non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
We had a 15 year home equity loan with pnc bank. for XXXX the payment was XXXX mo we paid it for the 15 years and were was a " suprise '' ( surprise to us ) balloon payment for {$47000.00}. We were never aware of this payment. I showed our agreement to an attorney he said it was pretty well hidden and very confusing in the contract. We were NOT represented by an attorney when we signed. The ballon payment was never disclosed outside of the very confusing contract. I feel like I was preyed upon. I have a lawyer willing to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
Dear Sir or Madam, They say they do not refinance when I asked for it. They say that they took this loan from XXXX XXXX  XXXX. 

A year ago, I applied for a forbearance. I was granted this. However at the end of the XXXX month reprieve, the bank demanded full payment. How is this any help? If I or anyone can not make a payment due to lack of funds, how is it that they expect double payment on demand? When I first purchased this home in 2006, things were much different. I had money and was working. I and my partner are now both XXXX due to XXXX XXXX. I am unable to pay the 4 % mortgage on top of all the other expenses that come with a home. My partner has been making the payments for me. We need a lower rate. I need immediate help please. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In mid XXXX I was given a check for deposit in the amount {$4900.00}. I used the TDBank app to deposit the check. Then next day I was waiting for the funds to clear and checking my account the check had been charged back. I spoke with a TDBank service representative and was informed there was something wrong with the check. They did not say what the problem was. So I contacted the issuer and they sent me a replacement check. I deposited the second check with the Mobile app. I checked my bank account the next day and the funds were still pending. The next day the pending had been removed and seeing this I called TDBank and I asked the representative if the funds had cleared. She said yes. I asked her if the check had cleared and the funds were collected because I did not want to have another chargeback experience. She told me the funds were collected and in my account. Because I was informed as such, I withdrew the funds not knowing that I was to become a victim of a hiring scam. I would not have withdrawn the money if there was any question of validity of the check. A few days later the chargeback occurred and the bank took the funds out of my checking account. They informed me the check was fraudulent. That the routing numbers on the check were fake. I was so angry because I had been informed the funds were collected, cleared, and in my checking account. TDBank did not protect me as their customer. If there was a problem with the first check why did they not have red flags raised with the second check? I am XXXX years old and I feel that I was very much misinformed by the TDB representative. I have a phone log record of my calls to TDBank.

Company response to consumer: Closed with explanation