vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am a homeowner with a mortgage with Shellpoint mortgage. I have been in forebearance and trying to get out. For the past month I have been submitting paperwork after paperwork and they say they didnt get it and resend etc. I was just served foreclosure papers and have a XX/XX/XXXX court date.

I was never told or sent information that we were at this level of foreclosure.I felt I was dragged along in the process and slow played as I have equity in the home.

I attached a letter to this file

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been a customer of Wells Fargo for about 3-4 years now. And over the past two years they have allowed charges on my account to be processed without sufficient funds being in the account. I have been charged {$30.00} for each transaction. As I stated to the few representatives I spoke with. I never signed up for over draft protection or authorized the bank to process charges on my account without adequate funds to support the transaction. They have admitted to their wrong by sending me a {$50.00} dollar cashiers check. If that is the case I feel that I should be reimbursed for every over draft protection fee that I had to pay. Not only did they collect these charges from me during a global pandemic, but they have not called me with a resolution. I recently received a statement in the mail and Im not sure if they have removed the negative account balance but to get to the bottom of this issue I would appreciate if the CFPB intervenes on my behalf.

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have been in communication with Bank of America over the course of the last year trying to keep up with my payment despite losing my job due to COVID-19. It was stated that I had missed a payment in early XX/XX/2021. The payment was automated and for some reason it did not go through. Bank of America did not inform me and I noticed after 3 days that they had not charged me so I called to make sure everything was okay. They informed me that the payment did not go through. I made the payment and asked to adjust my payments for the next six months. I told them I was still recovering financially and had only gotten a job in XXXX. They agreed to a minimum payment of {$50.00} and told me that it would be okay and that I would not be charged any late fees because they understood individuals had been hit hard due to COVID-19. I spoke with three different individuals and the last two people I spoke with ( I kept being moved from tier to tier ) told me the same thing, I would not be charge. Today, I received a notice that my credit score dropped 56 points because I was delinquent even though I had been paying the {$50.00} we had agreed to every month on time. I called and Bank of America told me that I was delinquent because I had not paid the late fees. They would not acknowledge the conversation I had with their two specialists and told me that I need to pay the minimum to get my account to current and that the {$50.00} does not do anything because my account would still be delinquent due to the late fees. I explained that no one had told me that and they countered with that they sent my this in the statement they send each month. Mind you I called two months ( late XXXX and early XXXX XXXX in a row after seeing the fees and was told not not worry, my account was still current and it was just the result of THEM working with ME. I do not understand then why they agreed to the {$50.00} payments if they were aware it would make me delinquent anyways. I do not understand why they did not tell me this, told me something completely different over the phone, and apparently snuck it in the letter they send me ( which I do not see on there ). I have been making payments for close to 3 years on this debt and these practices seem cultivated to keep me in a cycle of debt. They were not transparent. The last specialist I spoke with was XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke to two different managers, and was refused to be mailed a check for the refund I am about to receive for a purchase I previously paid over a year ago. I was also told I was not allowed to record the call even after I stated Texas is a recording state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Since 2014 I have credit card and almost 99.99 % of the time I have paid my bill 2 days in advance however this time I was surprise to see that I have been charged {$6.00} cent as an interest. When I call credit card company he said I may have paid my balance on due date and system did not get the payment that's why I have been charged. When I check, my due date was XX/XX/XXXX and as usual I paid two days in advance XX/XX/XXXX. When I told customer representative he just casually said its could be system mistake I will revert back charges. My question is on 1st why even I have been charged interest and now I have to check each of my bills since 2014 to check how many times I have been charged interest. This is not at all acceptable to me it seems fraud by credit card company. I am sure lots of user also have experience this issue and they may not aware of incorrect interest charge into credit card.

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 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I was a customer of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in 2018. In XXXX of 2018, my account information was changed without my permission. I notified XXXX XXXX XXXX  immediately but they were unable to verify my identity over the phone because someone accessed my account without permission and changed my address, phone number and other info. I had to show identification at a store to get assistance. I requested a passcode be placed on my account to prevent my information from being accessed without my permission, however, that did stop the numerous changes made to my account without my permission. I cancelled my service, paid my final bill and returned all equipment. XXXX XXXX XXXX has sold my account to numerous collection agencies even though I have provided copies of paid in full receipts to them.

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 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I went to bank of America located at XXXX XXXX XXXX XXXX FL XXXX with a bank of America issued check in my name provided all necessary documents for check and identifications clerk looked at check and immediately gave it back and immediately denied cashing it spoke to manager manager did the same thing looked at check and immediately denied their own bank issue check to me I searched their policies on cashing checks limits and check cashing fees on their website nothing stated their was a limit just said if your a non account holder there will be a {$8.00} charge per check no matter how big or small the check is unless under {$50.00} their would be no charge I believe they discriminated against me due to the fact I have tattoos everywhere they treated me as if it was a fraudulent check the teller and the manager didn't even bother to verify the check to see if it was real and basically asked me to leave that they weren't going to help me especially after I looked up their policies to make sure I wouldn't have a problem cashing the check there's no policies for that bank that states there's a policy on how much you can cash I need this to be dealt with I want to file a suit for discrimination

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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is the most irresponsible credit bureau in the USA. I ordered a free credit monitor and canceled, they still charged me a fee of {$19.00}. I called this morning and they told me I had to load a state ID and also send in a live picture of myself to prevent fraud. I wish they were this thorough when they deducted the amount from my debit card. They are very irresponsible, I have a state ID and I have to go outside to take a picture, I am currently homeless and staying in a temporary location, I dont have the luxury of taking a picture in privacy, As soon as I woke up I called and they informed me they need all this documentation to refund my money. They go the extra mile for a refund and meanwhile they dont even protect your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CT

Complaint narrative:
To whom it may concern, Due to covid and the Cares Act and my unemployment, we made an agreement with our mortgage company to get on the forebearance program where we will pay the next payments at the end of our mortgage. XXXX XXXX XXXX. reported us late and NOT paying our mortgage to our credit reports which made both our scores go way down and being delinquint. The mortgage co is XXXX XXXX. Phone # is XXXX. I have documents to back this up. Also my husbands XXXX card saw this information and stopped him from using his card, which he needs and pays off in a timely manner. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
Received a letter and a phone call from this company and they never advised whom they were collecting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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:
It has been nearly 60 days. I have sent Experian a request for explanation as to why my score has dropped 37 points. They are reporting " Too Many Consumer Finance Company Accounts '' this is something new that Experian is placed on my bureau to intentionally lower my score. I have not opened any new account and I do not have any high risk loans in my name. I don't have any Pay Day loans or anything of the sort, I have nearly paid off ALL my credit cards and my auto loans are free and clear. All my loans are either with a Credit Union or a reputable FDIC national bank and I have no department store cards therefore there is nothing that should be on my credit listed in this manner bringing down my score. I have asked Experian to identify said " Too Many Consumer Finance Company Accounts '' and they have failed to do so. Experian has failed to provide me with the required information for me to dispute. I believe Experian is intentionally lowering my score because of my ethnicity. For Experian to continue to report inaccurate information its a defamation of my character and a violation of the FCRA and FACTA.

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 2021-06-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
PLEASE SEE ATTACNEMent fha emails me today and states it was not there decision to decline my loan application that has been in process since XX/XX/XXXX! XXXX the manager has lied and stated this was huds decision when it was NOT, caliber never pulled my credit, caliber does not know my credit score, caliber has not YEt replied nor told me what it is I really need to close out my loan! Caliber sent me a denial letter XX/XX/XXXX stating they denied me to sue to credentials, never probes or said what those are, caliber has had my loan application opened for almost a year! Caliber did not act out of good faith! I have showed caliber court documents to remove the ex boyfriend ordered by a judge and they are not understanding the a judge order is final, what do I have to do really get my lawyer involved & end up in federal court with you caliber home loan, youve failed me as my lender and not one have I defaulted in my mortgage payments! I just wanted to Refinance my house for a lower intrest rate, never asked for a cash out,,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. The company has not responded within 30 days. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  CARD : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX CARD : XX/XX/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 2021-06-10 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft NAVY FCU Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I closed a loan with Navy Federal XXXX XXXX and a week later Navy Federal Credit Union sent a repo team to collect a car I've never owned. They had my personal information that I believe the got from the title company. I had to sign a form that they would not share my info but it appears they did. 

The person they were looking for had a different social security number and birth date. That would have been easy to check before scaring my family and have us look bad in the community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent in letters regarding inaccurate reporting of misleading items and information on my credit report. I'm feel like I'm being ignored of my disputes. It's been 90 days since my first dispute. These are deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I reached out to this financial institution on numerous occasions, via phone call in XXXX of XXXX and also by via USPS Certified Mail letters. I informed this company that they have in fact violated the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) pertaining to the alleged loan they claim I owe on my vehicle. I received no response from this company. 

On XX/XX/XXXX I forwarded a certified document to this company- a letter of violation, demand and written instructions along with an affidavit of truth to validate the federal law they have violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax states they will provide a free credit report weekly during the pandemic. 
They are not doing that for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Under Unfair, Deceptive or Abusive Acts or Practices, I the consumer suffered financial injury from Shellpoint Mortgage Servicing. The injury in reference that I the consumer suffered financially was excessive interest and other fees added to the loan. Many changes to the loan occurred and numerous fees in various amounts were submitted to the credit bureaus and law firms yet over {$200000.00} was added the modification amount. 

The excessive interest fees and other fees of over {$200000.00} was added to mortgage amount of {$150000.00}. Initially approximately {$160000.00} outstanding was the amount reported to the credit bureau until Shellpoint removed that amount and underwriting added over {$200000.00} in fees. Also my attorney, XXXX XXXX with XXXXXXXX XXXX XXXXXXXX XXXX XXXX worked on a modification and the amount stated owed was much less and not over {$200000.00} to add to the back of the loan. The modification was sent to Attorney XXXX XXXX from XX/XX/2020 and it took until XXXX before I received the modification after sending the paperwork to the Shellpoint on four occasions. The fees were excessive and to date I have not received request information from Shellpoint justifying or validating the debt. The response and documents sent was basic to my QWR and the following still remains outstanding XXXX Questions # 3, 5, 6, 7, 8, 9, 10, 11, 12, 13, 23 ) from the Qualified Written Request ( QWR ) to make any of verification. This is violation of Section 1463 ( c ) Shellpoint excessive fees were harmful and increases the mortgage amount and terms of the loan. Intial terms was changes from what was sent in XX/XX/2020 to Attorney XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I am writing as a follow-up to my recent complaint # XXXX and # XXXX against Citibank , N.A . 
I feel that my case was unfairly closed. 
Citi claimed to have sent me a refund check number XXXX of {$1700.00} mailed on XX/XX/2021. I received it on XX/XX/2021 and deposited it to my bank account the next day. However, the bank informed me today that the check has bounced and charged me a fee.

Company response to consumer: Closed with explanation