vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
In XX/XX/XXXX we entered a forberance plan with Guarenteed Rate. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" Guarenteed Rate '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance.

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure.

I've contacted guarenteed rate over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: CT

Complaint narrative:
Someone went on to Quadpay ( changing to XXXX XXXX ) on XX/XX/2021. Originally they tried to use my phone number to access my account and couldnt because the verification code was sent to me- so they further changed the phone number to gain access. 

They made two purchases using my name, address, and email. Only changing the phone number. The credit card they are using does not belong to me. It is possible that the credit card they are using is stolen, and that is why the hacked someone elses account to make the purchase instead of using their own account. 

The credit card they are using is listing my name and address as belonging to the credit card. I can only see the last 4 numbers of the credit card which is Visa - I have double checked all my cards and this does not belong to me. 

I have reached out to quadpay since XX/XX/2021 via the customer service chat and again, on XX/XX/XXXX via email and again on XXXX XXXX with no response or help with this issue. 

I was able to log in using my email address to see the transactions - both to the same merchant which I cant find any information for - 1 purchase for XXXX $ and another for XXXX $ to a merchant called XXXX the phone number listed with the order, I called with no answer. 

I would like this to be noted and taken care of as I do not want any fraudulent behavior associated with my name or information. 

Thank you so much.

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 2021-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I applied for a mortgage, submitted all requested documents and 2 weeks before closing, new documents were being requested and I was being asked to put a significantly larger down payment. 

Lender refused to accept my XXXX payments because I could not prove that the payments would counting for 3 years. I was not asked to prove that my wage income was going to continue for 3 years and I believe I was discriminated against due to my XXXX  and 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 2021-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My home is mortgaged through Nationsatar Mortgage, DBA Mr. Cooper. My homeowner 's insurance and property taxes are escrowed. They have the policy information for my homeowner 's insurance. They failed to pay the renewal, now over a month past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: VA

Complaint narrative:
This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!

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 2021-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I traveled to XXXX on XX/XX/30 and came back to the states on XXXX. On XXXX my account had fraudulent activity that was resolved and refunds were made back to my account. After I received my new debit card I activated it on Friday and had fraudulent activity on my account the next day. The fraudulent activity was charges made to the same company that made fraudulent activity on my first account. I contacted my bank to submit a fraudulent claims on my debit card and let them know I did not approve of these two transactions ( XXXX and XXXX ). They said that I was sent push notifications to my phone and that I verified the purchase by giving them a confirmation code to continue the purchase. The entire communication that I had with them over the phone indicated that I did not make this purchase or approve of it. I've tried to appeal and they said I can't because the purchase was verified with this code. I tried to ask what evidence they would need in order for me to not verify this was a fraudulent transaction and they still denied me the opportunity to appeal these charges. I'm worried someone has stolen my identity and will negatively affect other financial accounts I have. I'm doing what I can to protect myself but their investigation of my complaint was not completely investigated.

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 2021-08-14 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: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I mailed payments for my VISA and over draft protection on XX/XX/2021 via USPS Priority Mail, tracking number : XXXX. Tracking indicates it was picked up from the Post Office on XX/XX/2021 but not posted to my credit card balance until XX/XX/2021. 

I contacted First Citizens and was told I had to allow the time to sort, etc. This is incorrect as XXXX Payments clearly states. 

( a ) General rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. 

I have also requested them to close my account which they have refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Case # XXXX Re : Account XXXX XXXX XXXX XXXX Dear Sir, Thanks you for your letter dated XX/XX/XXXX but I do not agree with the amount of your credit. 

I have 2 loans with B of A and by XX/XX/2021 {$2800.00} was due for the purchases and this was paid prior to that date therefore the only debt that remained was for the Direct Deposit of {$4400.00} at 1.99 %. 

My TOTAL monthly interest charge in XXXX should not exceed the monthly interest rate of 1.99 % for the {$4400.00} owed which would be less than {$8.00}. 

I would appreciate it very much if you would credit my account with the proper amount. 

Cordially yours, 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 2021-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I opened up a spend account with Credit Karma. They denied several debit transactions that I attempted to make at XXXX. They advised me to make ACH transactions. I did. All of which they rejected, 3 days later. I incurred a return fee at XXXX and while I did receive my money back for two transactions. I have not received my funds back for the {$39.00} transaction. I made this transaction on XX/XX/2021. I have provided Credit Karma proof that they didnt release the funds to XXXX. My payment was rejected, I had to make a second payment, all of which I provided proof of. It is now 9 days later, 13 emails and 3 phone calls later. They will not provide me with the refund of {$39.00}. They continue to tell me that they will escalate my claim, this never happens. They then state that if the problem resolves itself, that I should let them know. I withdrew my remaining funds and intend to cancel this cardas soon as I receive my refund. I am simply asking for what is mine. They did not pay the merchant. They have not reimbursed me. This is theft. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: OH

Complaint narrative:
Hello, This is a Demand to Comply Request. I have sent CERTIFIED letters to the XXXX  ( received XX/XX/2021 ), XXXX  ( received XX/XX/2021 ), and TransUnion ( received XX/XX/2021 ) about accounts on my credit over 30 plus days ago and have not recieved any information.

I have attached screenshots of the tracking numbers and dates when the mail was received through the USPS ... Please remove the accounts that could not be verfied by law, or face a law suit for XXXX each account that you are reports as this information inaccurate and not true. 

Please don't send any general statement about we are looking into it and file a dispute with us as you have my drivers license, social, birth date and address in the letters I previous sent.

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 2021-08-14 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: OH

Complaint narrative:
Hello, This is a Demand to Comply Request. I have sent CERTIFIED letters to the XXXX ( received XX/XX/2021 ), Equifax ( received XX/XX/2021 ), and XXXX  ( received XX/XX/2021 ) about accounts on my credit over XXXX plus days ago and have not recieved any information. 

I have attached screenshots of the tracking numbers and dates when the mail was received through the XXXX ... Please remove the accounts that could not be verfied by law, or face a law suit for XXXX each account that you are reports as this information inaccurate and not true. 

Please don't send any general statement about we are looking into it and file a dispute with us as you have my drivers license, social, birth date and address in the letters I previous sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a mortgage account with Wells Fargo Home Mortgage. Since I have paid the property tax, flood insurance and homeowners insurance by myself, I have never set up an escrow account. During this summer, I noticed an escrow account with my mortgage. I called the customer service and sent the copy of my insurance policies. They acknowledged that they had received my insurance policies. Still they refuse to credit me the escrow they charged on me. Right now I am paying double for the insurance. Is it legal for a financial company to charge an escrow even on the account with paid insurance and paid tax? I am the one who paid the insurance premium and Well Fargo is trying to scam me by taking money from me.

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 2021-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure. 

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.

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 2021-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure.

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure. 

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.

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 2021-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I made an extra payment to my XXXX credit card on XX/XX/2021 they have not posted it. my payments take only 4 days usually

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Recovery Solutions, LLC
State: CO

Complaint narrative:
enhanced recovery put this XXXX collection on my credit without notice which is a violation per the fair credit act. also it was disputed in XXXX of this year and removed becuase they had no proof it was mine and there was no validation of that. well on XX/XX/2021 i woke up to it back on my credit. i do not owe this debt period.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-14 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 — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: MN

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened this secure card back in XXXX per the terms and the advertisement the card would graduate in XXXX a year after making all payments on time per credit report and records I received a letter XXXX that said my security deposit would be held another year no reason was provided now in XXXX they are holding my security deposit again with no real explanation I received a generic letter stating it was based on a review but there is no specific criteria for the decision provided. I called citi on XX/XX/XXXX and the representative was unable to provide a reason and there is nothing from stopping citi from continuing to hold my security deposit this traps me since I opened this account under false pretenses I opened to improve my credit score but if I close the account my score will take a hit and they are not holding there end of the agreement. By not disclosing the criteria that I am not meeting I am unable to improve this area to prevent further holding of my security deposit

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