vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Complaint XXXX was submitted and the response of sending to FTC is not confirmed by FTC as FTC has stated they do not have access to CFPB Complaints. So why tell consumer this can of information This Complaint know consists of new evidence that the Bank ha suggested that until some sort of settlement can be reached with Wells Fargo that the monthly privilege of direct pay be cancelled & converted to checking or another service until perhaps a Court Judgment be determined Wells Fargo continues to evade the facts that the Escrow False Narrative that they have created has no basis. 

The attached letters sub titles best describes the financial scheming that Wells Fargo has created that must be reversed as there is no foundation from any Entity from Insurance, Taxes that support the substantial change in TOTAL AMOUNT DUE of {$760.00}. 

Thus in Order to save guard the well being of the homeowners banking assets the Request to discontinue direct/ automatic withdraw as of XX/XX/XXXX must be accepted by Wells Fargo to the address of record. Withdraw without any basis can not be sustained and must stop as of the final withdraw of XX/XX/XXXX. 

In review of the most recent correspondent dated XX/XX/XXXX are old talking points with no basis to include False Narrative of there being a Escrow Shortage leading to substantial increases from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX and then onto XX/XX/XXXX, of XXXX that has no collaboration in reality other than a financial scheme that even Legal Aid of Southern Nevada Talk to a Attorney Program typifies as a scheme that Wells Fargo has been unfairly dealing to homeowners for far to long. The Ask A Lawyer Program Attorney further stated that CFPB would be the right place to seek Redress to the False Narrative placed on this Mortgage that again and although redundant is not back by the false statement ( s ) in this XX/XX/XXXX letter in all aspects from Taxes to Insurance. 

The old talking point of the is fragrantly outlined and dragged back and forth into this False Narrative in the XX/XX/XXXX letter that the Applicant failed to provide financial documentation to close on a property ( See Page 2 Paragraph 2, Line 3 & 4 ) There was no such failure and Wells Fargo has to capability of constructing events that would validate this claim of failure.

The ONUS was on Wells Fargo to close and they failed to complete that transaction and that is why the Earnest Money of {$1500.00} was lost to the Seller If not corrected by Wells Fargo with a complete reversal of this " Action '' or the requested sale of this Mortgage then the litigation will be necessary. It should be of interest to CFPB that the Courts are not new to this litigation against 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 2022-02-08 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had an account with Navy Federal and opened a companion account for my daughter who was underage at the time. I basically used that account to send her money. When she became of age and went to college, she started working as well. She used her account as her primary account and had her checks direct deposited into the account. In 2016 someone got a check from someone and deposited the check through the ATM. At this point, the manager of the XXXX branch claimed she came in to the branch and got cash from the check. How this happened, I to this day do not understand when you need ID to cash a check. The amount was over {$2000.00} and my daughter did not have that amount in her account. I tried to fight this, but the branch manager stated that he called my daughter and she said that she did this and she accepted responsibility for the debt. This was a lie, because my daughter was in North Carolina at that time with me. After this, I was upset, but I didn't close my account because it was the only bank account that I had. About 1 year later, my paycheck was deposited into my account and it was confiscated by the bank. When I called to find out what was going on, I was told that because my daughter didn't pay the debt, they were taking my money to pay this debt. I had no prior knowledge of them doing this and had to call them to find out that it had even happened. After this, I stopped my direct deposit and let the account close. My daughter filed for bankruptcy and had the debt charged off. After her bankruptcy, I contacted Navy Federal again and was allowed to open another account. After depositing money into the account, I was trying to use the funds in my account and was unable to do so. I had to contact them to find out that they had placed restrictions on my account again without notifying me. I was told that because my daughter filed for bankruptcy and discharged the debt, that I was still liable for the debt plus interest and it didn't take into account the money that they took from me before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I defaulted on my mortgage solely as a result of losing income from COVID-19 economic chaos and closing of my employer business in XXXX. I have worked out the settlement with the second mortgage and requested first mortgage BofA to assist. In reviewing my documents I discovered that my original note from XX/XX/XXXX was adjustable rate mortgage with 1-year treasury index plus 3.275 % ; It appear that BofA acquired this mortgage from Countrywide and they have been over charging me for the interest since XXXX. They are also unwilling to offer post-COVID pandemic relief to us. For example rate for XX/XX/XXXX is 7.00 % while 1-year index is below 1 %.

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 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
on or around XX/XX/2019 my house fell into foreclosure during divorce. I worked with a ( XXXX XXXX ) representative from fifth third bank for a modification of the loan which was confirmed to be completed before XX/XX/XXXX and then the rep was on vacation for two weeks and never processed my application and it got sold at Sheriffs sale a week later, even though I was assured I was not going to lose the property-I have tried every legal source other than hiring a private attorney and no one can help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Addresses are not my addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Addresses are not my addresses

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 2022-02-08 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: CA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES and or bankruptcy from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2021, I filed a fraud claim for {$1400.00} charged to my XXXX with the bank, Barclays. This was related to an incident through a vendor, XXXX XXXX XXXX XXXX. 

My card was canceled and I immediately received a new card to prevent further theft. I promptly wrote a review of this vendor/company on the XXXX XXXX XXXX website and XXXX to warn other potential victims. 

Barclays stated that it was investigating this dispute. I called many times in XXXX and XXXX to inquire about progress, but those conversations with Barclays representatives were meaningless and fruitless. On XX/XX/XXXX, I received a letter from Barclays stating that the charge was added back to my statement and that it was valid. 

I received no product nor any service for the transaction of {$1400.00} on my credit card. 
A salesman that I called from XXXX XXXX XXXX XXXX XXXX came to my home briefly ( less than 5 minutes ) on XX/XX/XXXX. He charged my credit card {$1400.00} for a new dishwasher that was never delivered. 
I called the vendor and was able to reach him once in late XXXX after the dishwasher was not delivered he suggested that he may be able to bring me " some cash. '' I refused and insisted that he provide me with a credit for the full amount on my Barclays card. 
This charge was never credited to my card by the vendor. 
I have made attempts to resolve this directly with the vendor but he has disappeared. The numbers on the business card do not work ; there is no address, and our research to locate him on the internet have yielded nothing. 
No investigator from Barclays ever spoke to me or my wife regarding this claim, to " investigate '' as we were told. 
Barclays has provided NO CUSTOMER PROTECTION whatsoever.

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 2022-02-08 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: AR

Complaint narrative:
For multiple months at a time, I have disputed, submitted, faxed, mailed letters, police reports and court documents to Equifax in order to remove unauthorized accounts and inaccurate information. I have also placed a fraud and freeze alert on my account. Many times of which the dispute results returned within a couple of hours with zero changes or updates. This has been a very tedious process without any help. I feel violated, very compromised and devalued as a consumer. These companies are suppose to be in place to help the consumers, not hinder. I would greatly appreciate any help received to resolve this situation. 

Inquiries : police report provided to Equifax XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, 2020 XXXX XXXX XXXX XXXX  2020 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX  XXXX XXXX, 2020 Accounts : XXXX XXXX XXXXcourt documents provided to Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In XX/XX/2021, my loan was transferred to Mr. Cooper. I was in a forbearance with my previous lender after losing my job from Covid-19. The forbearance ended at the end of XXXX. I contacted Mr. Cooper ( formerly known as Nationstar ) and the resolution they offered was a loan modification. They then required me to make " trial '' payments for XXXX, XXXX and XXXX. I was then told do not pay anything else until they send me the final loan modification documents. I made all 3 trial payments. I was supposed to get the modification document in XXXX and now its XXXX. Every time I call them, I am given a different answer and the runaround. Furthermore, Mr. Cooper did not even tell me the ramifications of a loan modification. They keep telling us the paperwork is in the mail and the fees and owed amount keeps going up. We feel like they are trying to scam us or take advantage. We feel like they want to gain more fees and interest or take our home from us. We just want to begin making payments on our loan modification. Not sure who to turn to or should I hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I tried to make a transaction for an airline ticket on XX/XX/XXXX. The amount was within my unused credit amount. The CC company is Capital One. I have had this CC for over a decade. This triggerred a fraud alert. My account is linked to a land line and the CC company asked me for verification which I attempted to give them. They wanted a photo copy of my driver ; s license which I attempted to give them on line. It did not work. ( Do not know how my drivers license info would be kept private by Capitlal Onre ). I gave up after trying for 3 hours to get this recolved on XX/XX/XXXX. The person ID I spoke with is XXXX, I then got the transaction done on another CC that I have. 
On XX/XX/XXXX I called Capital One on another issue. I was immeadiatley sent to Fraud and asked if I had sent a snail mail copy of my drivers ' license to Capital One. I stated to them that I had not and do not intend to do so since I had gotten the transaction done thru another CC. capital One was adament that I needed to send in the drivers license even though I no longer wanted the transaction for the airline ticket. I have been using the CC since XX/XX/XXXX so I do not know why I need to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My account was compromised and cleaned out XX/XX/22. I have been in constant contact with XXXX XXXX  to rectify the problem. I have been hung up on and placed on hold until the call disconnects multiple times with no answers as to whats going on with my account. I can not pay any bills because of this and they will not provide any information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: SC

Complaint narrative:
I have several inquiries that were not obtained with my knowledge or permission. I tried to get the credit bureau to look into it after I received a letter from the company I called the company who stated it was a soft pull and should not have shown on my report and referred me to the credit bureau. Dates were XX/XX/2022 and XX/XX/2022 by XXXXXXXX XXXX Also 2 more inquiries came from XXXX XXXX. 
There are 8 plus collections on my report as well They state they are open but are in collections with a collection agency. I have exhausted all avenues with the credit bureaus but they ignore me and report they are correct after 3 days. I have several names and addresses, credit accounts etc that are not mine. I am a victim of identity theft and the credit bureaus are not helping.XXXX is refusing to give me a report of any kind. The others are not truly investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: SC

Complaint narrative:
I have several inquiries that were not obtained with my knowledge or permission. I tried to get the credit bureau to look into it after I received a letter from the company I called the company who stated it was a soft pull and should not have shown on my report and referred me to the credit bureau. Dates were XX/XX/2022 and XX/XX/2022 by XXXX XXXX  Also 2 more inquiries came from Experian XXXX. 
There are 8 plus collections on my report as well They state they are open but are in collections with a collection agency. I have exhausted all avenues with the credit bureaus but they ignore me and report they are correct after 3 days. I have several names and addresses, credit accounts etc that are not mine. I am a victim of identity theft and the credit bureaus are not helpingXXXX is refusing to give me a report of any kind. The others are not truly investigating.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been with Wells Fargo for 22 years and have never made a complaint however I recently had an unauthorized zelle transaction that debited {$1000.00} that was not available in my checking account and had to be moved out from savings to completed. I did not discuss my account with anyone nor share my account information. Wells Dargo denied my claim saying I authorized it even after I gave the details and recortes immediately. I change my logins and dont feel safe leaving my money in my account anymore.

I have contacted 3 additional times and not one supervisors has called back.

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 2022-02-08 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
Someone made a {$190.00} fraud charge on my XXXX / Celtic / Continental credit card in XXXX. I reported the charge and they just kept sending me new cards without investigating. The balance continue to grow with late fees. I repeatedly called and Could not speak to the person who could fix the situation so I filed a complaint with the XXXX. In the meantime, it has been reported on my credit that I am currently {$99.00} past due and that I have a {$270.00} balance with the card co and I do not. I have contacted them again and again and disputed with all 3 credit bureaus and they can not get the company to provide update information. I have it on my phone, it shows paid and credits/ adjustments where they issued credits for the past due fees and charges. It is obviously this credit card company that is the issue since none of the disputes have rectified the problem.

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