vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Hello, on XXXX XX/XX/2020, I called Caliber Home Loans # XXXX about my escrow funds. Please note that my mortgage was paid off via a wire transfer on XXXX XXXX XXXX.Typically, wire transfer clear up in three business days between different institutions, which I contacted my new servicer, XXXX XXXX   and they confirmed that the transaction was cleared. I also verified with the county of XXXX XXXX, where my property is located and my taxes are up date and have the new servicer 's information. In addition, I contacted my hazard insurance company and they also have the new servicer 's information and my insurance policy is also up date. 

When speaking to several clerks and two supervisors at Caliber Home Loans they all dragged me along the same theory and avoided to provided an actual status of my funds. All they kept on repeating was 21 days. I find this egregious and deceiving practices towards consumers. I feel that I have the right to know the status of my funds and I also feel that my funds should be returned to me the soonest, not when some institution feels like doing it. They should have the power to hold my funds hiding behind some internal policy when all has been cleared on my account. I respectfully request an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
While looking for a new car, XXXX car dealership ran credit reports through 3 different agencys when I authorized only 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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I refinanced to get a better rate for my mortgage in XX/XX/2020. The new company that took on my mortgage was called BSI Financial Services. I paid my mortgage in full for XX/XX/2020 on XX/XX/XXXX. Then, in XX/XX/2020 I got a letter informing me that " the servicing of your mortgage loan is being transferred effective XXXX XXXX '' and " BSI will stop accepting payments received from you on XX/XX/2020 ''. As of XX/XX/2020 my mortgage was with XXXX XXXX. 

On XX/XX/XXXX, I checked my bank account, and I can see that XXXX XXXX took my full mortgage payment on XX/XX/XXXX, AND BSI had taken a full mortgage payment on XX/XX/XXXX. The payment BSI took is identical to the XXXX Payment I made. I have the bank statement to prove they took my money. 

I called BSI on XX/XX/XXXX and they assured my that my automatic payments were shut-off, and that my account is no longer with them. They said they have no records of taking my money in XXXX. I spoke with a BSI representative named XXXX, and she said all I can do is e-mail XXXX. I e-mailed BSI on XX/XX/XXXX, detailing the whole situation, and they never go back to me. I sent another e-mail on the XXXX and asked for a response within 24 hours and still got no response. Calling and e-mailing this company hasn't been working. The XXXX  mortgage payment BSI took of {$2800.00} is still gone from my account.

I XXXX   BSI and s
aw that they have had lawsuits with the Consumer Financial Protection Bureau before. This worries me because I don't want this company to get away with taking my money. And since they did it in  XXXX, I don't know how to stop them from doing it again in XXXX. I thought about flagging it as fraud with my bank ( XXXX XXXX XXXX ), but I figured I would try to contact the CFPB for help first since you have dealt with BSI before. All I ask is that I get my {$2800.00} back in my account, and written confirmation that they won't be taking any more of my money in the future ( since I am now with XXXX XXXX and they legally shouldn't be taking my money anymore ). 

Please contact me so I can provide you with my bank statements, the e-mail attempts with BSI, and the physical letters I got in the mail saying my mortgage was transferred and that BSI wouldn't take any money for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I called Navient today to extend a program I was enrolled in called the Rate Reduction program. It basically lowered my payments and interest rate to be more affordable - I was paying around {$270.00} a month which was great. At the time I enrolled in XXXX of XXXX, I was told I could apply as many times as I needed to extend the program. I called today, XX/XX/XXXX, and the rug was pulled out from under me. I was told that based on my and my cosigners FICO scores that I was no longer eligible. I asked why, and they refused to tell me. I was told that they can not discuss MY credit report with ME. I asked for a supervisor, who told me the same and presented me with what she called interest only payments which were only {$45.00} less than my full monthly payment which makes absolutely no sense. I pressed and continued to ask why this was happening, telling them that I was told in  XX/XX/XXXX I could extend the program as many times as I wanted. I was told nothing is guaranteed and all of my questions remained unanswered. They just kept telling me about the interest only program and to talk to my co-signer. I dont see why transparency would be refused if there was something completely legal and within the rights of the loan servicer that was the reason. I feel deliberately misled and taken advantage of and I do not understand how it is legal for these huge companies ( whose revenue was XXXX XXXX dollars in XXXX   alone ) to abuse people in this way. I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's  currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the XXXX data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items 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 2020-09-09 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: AL

Complaint narrative:
On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's  currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the Equifax data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient keeps emailing me saying my payment is due when it's not due until that provision in CARES Act expires on XX/XX/XXXX. Bad and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2019, my family and I arrived at the XXXX XXXX XXXX   after having made a reservation for a one night stay on XX/XX/2019 through XXXX XXXX   using our Citi card for {$430.00}. We were told by the hotel manager that no reservation could be found and they told us to contact Citi to dispute the charge. We reported the dispute immediately on XX/XX/2019 and arranged for a stay at the XXXX XXXX   using other means. 

A few months later, we noticed the charge was reversed back to the card. Citi said they investigated and the provider provided false claims that they did make the reservation. I contacted the hotel manager and had her provide documentation that states that the XXXX XXXX is not a third party they do business with. I also found numerous complaints on XXXX   XXXX online for the same exact scam. 

Citi claimed to have made every effort to resolve this dispute with the merchant and/or their bank but had not been successful. They said the merchant is not willing to issue credit to our account and that they no longer have any additional recourse to pursue a credit for us through the dispute process. They advised us to seek other means to resolve this matter and that their investigation remains closed. 

I tried to contact the merchant. They will not answer the phone. Citi abandoned us. Citi did not do their due diligence in protecting the consumer when ample evidence was supplied.

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 2020-09-09 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: UT

Complaint narrative:
XXXX XXXX XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 and -XX/XX/2020. I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 & being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.

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 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX & XXXX is reporting a late on my credit report for XX/XX/XXXX XX/XX/XXXX -XX/XX/XXXX- I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/XXXX and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XX/XX/XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.

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 2020-09-09 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: UT

Complaint narrative:
XXXX XXXX # XXXX & XXXX is reporting a late on my credit report for XX/XX/XXXX XX/XX/XXXX -XX/XX/XXXX- I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 & being Quarantined since XXXX XXXX and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XX/XX/XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys  would do this.

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 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I closed both my checking and saving accounts with Regions Bank on XXXX XX/XX/2020 because of their poor costumer service. For some reason Regions Bank kept my {$10.00} a month electronic transfer from my checking account to my savings account in place. I received a collections letter today, XXXX XX/XX/2020. Regions sent my checking account to collections for {$59.00} because they stated there were insufficient funds to cover the monthly {$10.00} transfers to my savings account. My saving account no longer exists. No one at the time I closed the accounts stated I have to stop the monthly electronic transfers. My question is why am I paying {$59.00} dollars to cover transfers from a checking account which no longer exists to a saving account which no longer exists?

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 2020-09-09 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: Universal Recovery Corporation
State: CA

Complaint narrative:
On XX/XX/2020 I called Universal Recovery and spoke with a representative that was very disrespectful to me even called me " waist of time ". They refuse to help with me and said they don't do pay for deletion it company policy. The supervisor confirmed they don't have proof of the debt. I feel this should be taken off my credit report since they cant prove what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Dear Coinbase, Yes, you responded to my complaint filed with the CFPB # XXXX but what you said is not accurate. To the point, I have responded to you at your help support page at least 20 times now and I never get a response from you. You say your response is listed as case # XXXX but on your page there is no way to access that case. You have no live person to call to help me regain access to my account which given your standing in the crypto field is out of line with the normal way of doing biz, wouldn't you agree> So will you provide me with a number for you to call so that I may speak with a real person about this, regaining access to my account since nothing else is working?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Bought 2 items and mistakenly used PayPal Credit, which I really didnt know I had. I got bill, & paid with my credit card on XX/XX/2020. I got a second bill stating Online Payment Thank You. It showed payment of {$31.00}. Right below that, it showed a - {$31.00}. I thought they made an error and used the - instead of the +. I kept getting bills charging late fees. I called & was told my card did not go through, & I owed the total bill around {$200.00} now. I sent them a check for the original {$31.00} after checking my credit card. The card had been hacked, & we had to cancel the card I used, & got a new card. Not sure if that happened XX/XX/XXXX or not. PayPal credit never sent me a notice that the card payment didnt go through, & I never got any notice from my bank. Things just got all mixed up. I dont feel I owe all the late fees under the circumstances.

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 2020-09-09 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: MA

Complaint narrative:
I was victim of fraud and I have a Bankruptcy on my three credit reports ( Equifax, XXXX, XXXX ) that I never authorized. The lawyer scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in BK ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit report shows accounts that we're opened by someone else fraudulently because of identity theft. My wallet was stolen and had my driver 's licence and social security card in it. Now I'm seeing accounts that we're opened that I wasn't aware of. It's affecting me getting into a apartment. I'm gon na be homeless.

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 2020-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
While looking for a new car, XXXX car dealership ran credit reports through 3 different agencys when I authorized only 1

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
On XXXX i did use the service at WORLDREMIT XXXX with a reference # XXXX my card was charged for {$100.00} for the remittance and the service, however after consistent calling chatting what happened to my remittance they said it was been cancelled so i said ok, but then yet they still took my money out into my account that until now i still dont have it back into my bank as I've been in constant contact w/ my bank as well.i got an email & text for the transaction for the few days saying that the amount would be available for my recipient same day, then after contacting them, again on Chat and phone call they said transaction has been cancelled. and the money has already been returned to my bank which is not.

Company response to consumer: Closed with explanation