vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is using forged documents to foreclose on my home. Wells Fargo sold my mortgage to XXXX XXXX in XXXX. Since this was the case, then in XXXX when Wells Fargo started foreclosure there should have been only one note to be used in foreclosure. After I denied the authenticity of that note, WF then produced another note. At the note inspection Wells Fargo produced another note. 3 notes in total. They asked the court for summary judgment without providing the court all relevant documents. Prejudicing my defense of the foreclosure. On page 115 of the deposition admitted what they are doing would be considered unethical. My gripe is how can a person fight foreclosure if Wells Fargo can just recreate notes in order to foreclose. As a XXXX XXXX XXXX it boggles the mind that this would be considered a crime ( e.g forgery, offering a false instrument for filing ) if a person did this, but when a bank does it it is overlooked. This was all done after they were sued by the Justice Department on behalf of myself and other XXXX and XXXX borrowers in XXXX. They settled that by promising to treat us ethically.

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 2020-08-24 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I entered a financial relief program ( with American Express to help pay off my {$30000.00} American Express Gold Card, program started XX/XX/2020 ) I was told by American Express that my interest rate ( exuberant ) was going to decrease, with two months of grace period without reporting unpaid bills. I RECEIVED CONFIRMATION VERBALLY AND IN WRITING THAT MY CREDIT LINE WAS NOT GOING TO DECREASE. This is significant for me because I am in a financial strain. 
I made the first payment according to the plan, but the second payment was returned by my bank due to insufficient funds. I rectified the situation, then the second payment was processed three days after the first one was returned. THE AMOUNT OF {$730.00} WAS ALL THE MONEY I HAD. I PAID AMERICAN EXPRESS BILL AND WAS WAITING ON MY AVAILABLE CREDIT TO REFLECT THE PAYMENT SO I CAN PAY FEES FOR MY XXXX XXXX EXAM, RENEW MY CAR REGISTRATION, AND PAY MY FOR MY PRESCRIPTION MEDICATION. I CALLED AMERICAN EXPRESS ON FRIDAY XX/XX/XXXX, and was told by AMEX representative XXXX ID XXXX that Amex decided to decrease my credit line the night before. I explained to XXXX the situation, and he transferred me to XXXX ID XXXX  XXXX. I verbalized my frustration to XXXX because Amex decided to modify their agreement WITH COMPLETE DISREGARD TO MY FINANCIAL NEEDs. I ASKED FOR THE PAYMENT TO BE REVERED SO I CAN AT LEAST PAY VERY NECESSARY BILLS IF AMERICAN EXPRESS REFUSES TO ALLOW ME TO USE THEIR CARD. AN HOUR CONVERSATION ENDED NO WHERE AND XXXX DECIDED THAT I ONLY HAD {$30.00} credit to spend. HE THEN ASKED TO GET AN OPPORTUNITY TO REVIEW WHAT THE AGREEMENT WAS AND TO GIVE AMERICAN EXPRESS FEW DAYS TO DO THEIR OWN INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
COMPLAINT ID XXXX Follow-up from the above complaint. Unfortunately had to reopen with the complaint since the previous complaint was closed. 
I ended up Pain patient Bank of America XX/XX/2020 {$490.00} to close out my HELOC and issue a release of Lein. 
I have not heard back from them and it takes close to 2 hours to get through to a customer service representative who does not help anyway. I do not know what else to do.

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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
This company has not been mines and I filed a victim of identity theft and the credit bureau never showed proof that this was my debt and when I called the company they claim they dont show a record of this at all but some how they are still reporting me as late on an account thats saying its been closed and charged off! I am in the process of closing on my house and the company Fortiva keeps updating my report showing Im late. I have no idea why this matter has not been removed when its clearly not my debt. I am a military veteran who in that year was not even in the country. Its showing on my report opened XXXX XXXX. Its showing closed XXXX XXXX in the amount of {$5300.00} XXXX/FORTIVA. I just got a update on my report showing late for XX/XX/2020. I cant be late on a closed account thats not even mines. I have called this company and they said we dont show we have this account. Then they claim they sold the account to a 3rd party debt collection company and those company stated we dont have your name or that account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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:
I received inquiries on my credit reporting file that I did not authorize. I have disputed them several times. The only company that has corrected the issue is XXXX. Equifax and XXXX have not corrected the issue after 60 days.I HAVE DISPUTED THESE UNAUTHORIZED INQUIRIES WITH XXXX, EQUIFAX AND XXXX ON SEVERAL OCCASIONS. I EVEN BOUGHT MEMBERSHIPS WITH THEIR CREDIT REPORTING AGENCIES AS A GOODWILL GESTURE, BUT STILL NO HELP. 

1. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX 2. XX/XX/XXXX EQUIFAX MORTGAGE SERVICES - EQUIFAX MORTGAGE SERVICES -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX  XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX-MT, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXXTX , XXXX XXXX XXXX, XXXX, FL XXXX 5.  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX 6. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: IL

Complaint narrative:
i did lease a hot water heater from the XXXX outlet store in XXXX il, with the company they use called-WHY NOT LEASE IT.it provides for a retail installment leasing/buying program so you can purchase or lease the product if you choose either program, with a buy out feature if you want to keep the product.i did pay off the lease buying contract in full to keep the product according to their terms. on the very same day that i paid off my contract, the company WHY NOT LEASE IT deducted another payment after i had paid off my contract, as the payments were set up on a ach direct debit from my account. i did call WHY NOT LEASE IT, to tell them of the mistake, they reviewed the payment history of my account, agreed that the payment was taken on the same day, then told me they were not going to refund that payment.i then went to my bank and disscussed my options, and then did file a dispute with the company WHY NOT LEASE IT for that last payment.the bank followed up, and did find the payment taken out with no recourse from WHY NOT LEASE IT, and the money was put back in my account as a recovered disputed .item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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:
XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to XXXX, Equifax, and XXXX credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to TransUnion, XXXX, and XXXX credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals

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 2020-08-24 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:
XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to XXXX, XXXX, and Experian credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One bank took over Walmart account for over 5 years never late never past due even if account was max out payment was no more then XXXX I check my account on XXXX they are now trying cover up fraud by Capital one they list no payments since XX/XX/XXXX when they took over account they also do not list actual payments that went from XXXX in XX/XX/XXXX to XXXX to XXXX to XXXX in XX/XX/XXXX yet they claim it was due to balance owed which is 100 % not true my high balance is XXXX I have cards with highs from XXXX to XXXX and monthly payments are no higher then XXXX Capital one keeped adding late fees even though I was not late they started this as soon as they took account over on XX/XX/XXXX they claim they reversed all charges late fees well how does my monthly payment go from XXXX to XXXX dollars, what they have done is not reported true facts since XX/XX/XXXX on credit report to cover up this fraud which I will attach a copy of also when I called on XX/XX/XXXX it went to collecting not customer service that is the number they have listed on XXXX after talking to 3 different people the last one refused to answer questions about reported incorrect info and why if i call it goes to collecting when account has never been past due ever also why the monthly payment went up XXXX in XX/XX/XXXX for no reason if all late fees were cancelled they refuse to fix credit report and now covering up fraud by not reporting facts from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I signed up for a credit card that had some attractive premiums including a {$250.00} cash reward for spending {$1000.00} within 90 days. 
I did this through XXXX on line and was accepted for the card. The card was received and I charged XXXX. They also charged {$95.00} for a fee, which I knew about. None of the other cards I have charge fees, but I figured the cash reward would more than compensate me. 
I received my bill and called a very polite lady ( XXXX ) and asked how I would get my {$250.00} and was told that I was not eligible for a rebate. She said it was on the web site when I signed up for the card. 
This is not true. It COULD be in the multiple lines of verbage that is on all applications. I am a pretty good reader. 
I now have a bill for a card that I do not want to use. I prefer to deal with people who are more specific and easy to work with. 
The bill is due on XX/XX/XXXX. I have never paid any interest on a card and have not had a consumer loan since 1974. I need this clarified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
One Advantage LLC has reported a false medical bill charge to my credit report. It states I owe {$52.00} for date of service XX/XX/18 for a doctor that we don't go to. We live in North Carolina and this is for a doctor in Kentucky. I have contacted the doctor and they have no record of us being there on XX/XX/18. Please remove this fraudulent charge immediately. One Advantage has damaged my credit score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I started receiving PA unemployment / Pandemic relief benefits on XX/XX/20 thru direct deposit. Then received notice that due to suspected fraud I would be receiving payments via Reliacard. I have not received a card or payment since XX/XX/20 ( over 3 months ). Finally got in touch with Reliacrd, and discovered there was a type-o on my mailing address. Corrected that, then the representative informed me I would receive an email in 5 days to tell me how to proceed. Its been over 8 days and I have not received the email, nor can I get in touch with a Reliacard representative.

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 2020-08-24 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: VT

Complaint narrative:
In checking my credit report I note that a hard inquiry was reported to Equifax on XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX -- XXXX. I have spent countless hours on the phone with XXXX XXXX XXXX -- 6 different departments -- all of whom say they have no record of a credit inquiry. They keep telling me to call Equifax. I did submit a dispute with Equifax and their response was that the inquiry is a factual record of file access. I further note that this same issue has been reported to XXXX XXXX XXXX since XXXX ; there are many references on the internet to that effect. Each department at XXXX XXXX XXXX refers me to other departments all of whom refer back to departments that I've already spoken with. So, I'm in the circle of illogic where Equifax is reporting a hard inquiry by a company that says they didn't do it. And each keeps telling me to call the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Revisit of an earlier complaint not fully resolved. 

My mother, XXXX XXXX 's account at B of A # XXXX, apparently had a " fraud alert '' dated back to XXXX of 2020 on this account. This occurred when she thought someone had stolen check book XXXX she was suffering from early XXXX ). I just found out that when I presented my Power of Attorney about 6 weeks ago this is what was " blocking '' me from having access. 

Today I finally got it resolved by presenting her death certificate showing she passed on XX/XX/2020. 

Question : Why did she need to DIE before BofA would work with me to clear up the fraud alert? What if we had needed these funds for her care and/or funeral expenses?

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 2020-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All payments made to the company are reported incorrectly as Auto Payment Draft -Not the payment method I used. Payments I made to the company were not respected. The credit card company closed my account without notice because their system has not reported my payment history correctly. It may be cv-19. I would like the account  corrected and the restore my credit history. I have receipts of payments made that prove my Good Payment history. The credit card company drags my payments down to a Auto draft payment then months later shows the payment method I used was not a Auto draft payment but leaves a non-payment charge on my account untill the account is closed.

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 2020-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
All payments made to the company are reported incorrectly as Auto Payment Draft -Not the payment method I used. Payments I made to the company were not respected. The credit card company closed my account without notice because their system has not reported my payment history correctly. It may be cv-19. I would like the account corrected and the restore my credit history. I have receipts of payments made that prove my Good Payment history. The credit card company drags my payments down to a Auto draft payment then months later shows the payment method I used was not a Auto draft  payment but leaves a non-payment charge on my account untill the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am a current VA mortgage holder with Freedom Mortgage. I was called by XXXX XXXX NMLS # XXXX, on or about XXXX XX/XX/2020, XXXX ext XXXX and emailed by his XXXX XXXX XXXX XXXX # XXXX, XXXX XX/XX/2020, XXXX regarding refinancing my home loan to 2.375 %. I completed all the paperwork they sent digitally and Freedom Mortgage handed my closing off to XXXX XXXX XXXX ( XXXX # XXXX ). XXXX XXXX   XXXX sent a " Borrower Confirmation '' email stating the date of closing would be XXXX XX/XX/2020, XXXX EDT at my home address. The email also stated that the signing agent conducting the closing w/ Freedom Mortgage would be XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX. On XXXX XX/XX/2020, the signing agent did not show up at my home, did not call, did not text or email. I have yet to hear from Freedom Mortgage, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. I called XXXX XXXX and XXXX XXXX XXXX XX/XX/2020 and left voicemails. I also called XXXX XXXX, XXXX XXXX, XXXX and left a voicemail. The evening of XXXX XX/XX/2020 I emailed XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. I have sent additional emails to these individuals on XXXX and XXXX XXXX. I have left three voicemails with XXXX XXXX and never received a call back. Freedom mortgage ( XXXX ) states that she has handed over my case to Freedom Mortgage Closing department and can do no more. On XXXX XX/XX/2020 I was on hold with the Freedom Mortgage " Escalation '' department for over 1 hour and 15 minutes before I hung up. On two other occasions I called Freedom  Mortgage customer service and provided a call back phone number. NO ONE from Freedom Mortgage has contacted me. In the mean time, all my personal information regarding the refinancing of my mortgage is out there somewhere and I am concerned that my home title could be at risk of fraud. I wrote a negative review on the XXXX website on Freedom Mortgage and I lodged a complaint on Freedom Mortgage webpage. At this point, I don't even care about the refinancing, I just want my data/title protected and this action to be closed. I need to be contacted by Freedom Mortgage Closing department so we can get this resolved.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation