vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX Dear Madam or Sir, I have refinanced in XXXX and the loan servicer is Wells Fargo Bank since XX/XX/XXXX. I have my account with them ending XXXX. Wells Fargo setup an escrow account for property taxes. I have tried to contact them for managing my own property tax but they declined my request stating the reason is that I do not have long enough history with them. 

As of XX/XX/XXXX, I have checked my parcel number on XXXX County Property Tax payment website, and realized that the updated property tax was reduced from {$4200.00} in XXXX to {$3600.00} in XXXX, and my escrow account balance has already exceeded the semi-annual payment amount. However, Wells Fargo escrow account has been charging me the old monthly due since XXXX. I have contacted Wells Fargo via email and phone call on XX/XX/XXXX. The customer support has reassured me that they have run a escrow account check and I should see my account updated within 2-3 business days. 

Now as of XX/XX/XXXX, Wells Fargo is going to auto charge me another month 's due, and the balance and amount is still not changed. I'm really disappointed at this business practice when, as an individual loan payer can easily see the amount due on government website whereas a big bank like Wells Fargo is continuously over charging me. I would consider this is a fraudulent business practice that takes advantage of homeowners during COVID, and aggravate the financial situation for people that have to put through during this special time. If this practice happens to many people, Wells Fargo is essentially profiting from people involuntarily depositing excessive amount of escrow due into their accounts. 

I would appreciate this can be investigated and resolved in a timely manner, for many people might be struggling to making the over charged payments. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America report fraudulent activity in the XXXX, When no fraudulent activity occurred. The account was closed and fully paid due to the fact that the bank let someone who worked for them access my checking account and stole money from the account. Therefore, my husband and myself closed the account and paid off the outstanding checks which totaled {$1000.00} in XX/XX/2016. My husband and myself are experiencing XXXX and XXXX due to the illegal actions of this bank. We have contacted them numerous times to remove the fraud statement from the XXXX  and no resolution has been forthcoming. We have been unable to open a checking account since 2016, it has been a hardship to my family during these difficult times

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 2021-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a first credit card bill from XXXX XXXXXXXX XXXX ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX XXXXXXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( XXXX numbers instead of XXXX etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXXXXXX but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to PYOD, LLC in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called XXXX XXXX XXXX ( XXXX IL ) they were collecting for aforesaid PYOD LLC. Note : I never opened an account with XXXX XXXXXXXX ; I have never heard from PYOD LLC directly, and have contacted XXXX with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with Gravatar ( XX/XX/XXXX ), XXXX ( XXXX XXXX ), & Share This ( XX/XX/XXXX ). BOTTOMLINE : XXXX XXXX XXXX if now trying to collect for PYOD LLC for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name ( Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have used my Bluebird account for over 5 years with no problems. I have money in my account but was sent an email saying my account was suspended with no explanation as to why. My paycheck and my tax return is scheduled to deposit into this account that I can not access. I can't access any of my wages. American Express has told me I can only get a reason and request a refund by mail. I can not support my family without my wages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX am a victim of Identity theft, I tried contacting and disputing my credit report with the Consumer Credit Agency, yet I received no response or assistance over the last 90 days. The fraudulent items are listed in the attached law enforcement statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I access my free annual credit report from all agencies using the designated site since its inception. For the last few years, at least, I have not been able to access the report from TransUnion online and always have to request a paper copy. This adds an unnecessary delay when trying to mitigate fraudulent activity associated with my social security number. Considering there have been prominent major security breaches at retail, tech companies, and the government, the issue of instantaneous access is more important. 

Recently, I was notified that there was a workers compensation claim submitted on my behalf. I have not seen a reduction in hours, been laid off, or terminated due to the pandemic so this issue is concerning. I have notified my employer and state officials. However, when trying to access resources to determine the scope of potential threat I can not access my credit details online from TransUnion. I have called and was instructed to request the paper copy, which I did, but again when things happen at the speed of technology using paper and the mail greatly reduces the ability to get ahead of the problem. The steps the annual credit reporting site uses to verify my identity for TransUnion do not work. Trying to resolve the issue online requires a XXXX or XXXX account and their contact us page offers little to no help - it is like going down the rabbit hole. No ability that I found to get instant help to fix my account to work better with the annual credit report site. I appreciate the extra security but there appears to be a flaw in their system that wants users to request the paper copy and when time is of the essence they are no help.

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 2021-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I tried removing cards from XXXX  and paypal prior to them being charged and they refuse. There were unexpected errors on the account when i tried to sell and cancel the listings. Because XXXX and paypal do not provide phone support when calling to challenge these errors. It refers me to online. Online it is saying error, when accessing the account for the past month or so. I can not actively dispute fraudalent XXXX transaction and sellers fees because of such. This is a unique issue but yet another request as well to not charge my account and to actually provide phone support. It is my opinion XXXX, paypal have passed judgement on me unjustly bc of this glitch and intentionally frauded my account by not allowing me to respond to time sensative cases. Resulting in loss of monies and unjust obstruction both civil and criminal offenses as a servicer. Please assist and do not allow ebay or paypal to continue to rob and smear me bc of lack of required support. 
( 1 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$28.00} USD ( 2 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$280.00} USD Please do not charge the above or anything else to the account as repeatedly requested. Also remove them from the file. Provide a written response to all the concerns and a supervisors phone number to discuss with going fwd if error are made. Please provide a refund of anything above if already charged. Please provide clear phone support and allow me to address, reopen the other disputes as explained i was denied this bc of a technial glitch and niether company offering phone support bc of covid19. Shame on you both, I am a shareholder as well in these companies. Please remedy the above incrued fees asap and refund if they were charged bc of the fraudalent servicing as explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2020 I transferred all the funds from my account out of the account and asked the bank to close my account. I discovered 2 months later the account was not closed and had accrued fees on the account so that I had a negative balance. I called on XX/XX/2020 and asked for the account to be closed and the fees to be refunded. I was told that would be taken care of. I saw my account has the fees refunded and assumed it was taken care of. 

Two months later I have since discovered for a 3rd time the account was not closed and the account has still racked up fees. I am unable to call them as their wait time is in excess of 30min and there does not appear to be an easy way to email the bank. 

The bank is continuing to charge me fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 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: NJ

Complaint narrative:
I contacted all 3 credit reporting agencies they all have my incorrect information barring me for using my credit of applying for anything using my credit they have made no attempt to fix 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 2021-02-28 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: NJ

Complaint narrative:
I contacted all 3 credit reporting agencies they all have my incorrect information barring me for using my credit of applying for anything using my credit they have made no attempt to fix 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 2021-02-28 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: NJ

Complaint narrative:
I contacted all 3 credit reporting agencies they all have my incorrect information barring me for using my credit of applying for anything using my credit they have made no attempt to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
In 2016 I was forced to file for Chapter XXXX Bankruptcy protection to prevent foreclosure on my home. The foreclosure proceedings resulted from repeated errors in recording payments and applying escrow payments by the loan servicer. BSI Financial Services, the successor to XXXX, has been the loan servicer throughout the Chapter XXXX case. During the Chapter XXXX proceedings BSI continued to make errors in applying escrow payments. After two Qualified Written Requests and countless phone calls to BSI, BSI has never responded or taken any action to correct their errors. Most recently they send a Notice of Payment Change for an alleged shortage in the Escrow. In fact, BSI is holding funds that exceed all payments due from Escrow over the next 12 months. 
BSI is the servicer for XXXX XXXX XXXX XXXX, which is controlled by XXXX XXXX. XXXX trades in underperforming loans and profits from foreclosing on properties that are valued at more than the mortgage balance. My home is valued at 2.5 times the current mortgage balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibanks promotional offer not honored. Citibank received my documentation, confirmed in a letter to the cfpb that I was due the bonus within five to seven business days which would have been XX/XX/XXXX. They did not deposit the funds. On the same day, they issued a letter to me saying that " we are not aware of any promotions offered in conjunction with the opening of your account '' and wanting me to resend all the documentation I already sent them. They acknowledged the promotion and the fact that my account met all the criteria in a letter to you on XX/XX/XXXX in my prior complaint. Either one hand does not know what the other hand is doing, or this is a calculated fraud on the public. In any case, I would like my promotional bonus as promised. See complaint XXXX for details and a copy of their letter saying that they were to pay the bonus no later than 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 monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Amerisave I am XXXX year old XXXX person-husband XXXX We need to refi our home. 
Loan person XXXX XXXX ( Phone XXXX ) Informed me that before he could lock the rate ( 2-2- good for seniors 2 believe ) Well he truly got me Paid {$500.00} on XX/XX/2020 -Pulled Credit Report lost 7 points After the document came in XXXX XXXX would not answer my questions on locking the rate! 
He told me that his manager would be calling me on the rate I honestly kept asking why is only Floating is showing. Customer Beware of this unjust action!! 
Trying calling again after I called by personal bank. Why {$500.00} they ask My phone & email show that have no interest in you only collecting {$500.00} and then a Denial I truly feel we were totally Bamboozled-Scammed-Unjust- Along with very misleading prospective customers-Very shady? illegal practice. 
We are living off my social & husband retirement trying to save our property and to do this to people is so so wrong. This company is headed for Lawsuit!!

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 2021-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have made several attempts to settle this issue but to no avail, then I contact Walmart after checking my statement to find PayPal credit illegally posted a transaction in the amount of XXXX as an order I made on XXXX. I contacted Walmart, there is no order showing on that date on my account. Also, refunds from Walmart were returned to PayPal, no adjustment been made to the proper transactions, enclosed are documents Walmart refunded XXXX towards XXXX XX/XX/2021, promotional expiration date Walmart refunded XXXX towards XXXX XX/XX/2021, promotional expiration date. 
PayPal already have these documents

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 2021-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I canceled my XXXX Mobile Service, and despite multiple phone calls I was still being charged and now have been sent to collections. When I closed the account I had a XXXX balance and I was no longer a customer. It is all verifiable through the chat log via XXXX mobile website. 

Now that the account is in collections. I have tried to call multiple times and am never connected to the proper people. I attempted to solve this through the collection company but they won't acknowledge the information is incorrect. I have filed several disputes via the credit bureaus to no avail. Also, the amount owed differs between XXXX  Mobile and the collections company ( CREDIT COLLECTION SERVICE ). The balance indicated by Xfinity is {$440.00}. The balance indicated on my credit report is {$650.00}. 
I would like my services properly canceled, and previous fraudulent charges to be removed and the collection canceled and credit restored. 

Here is the collection agency : CREDIT COLLECTION SERV Original creditor : XXXX MOBILE XXXX XXXX XXXX XXXX, MA02062 ( XXXX ) XXXX Thanks for your help with this matter

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I previous complaint I submitted was resolved with satisfaction. I received a refund and enrolled in covid assistance. After I received the refund the balance was added back to my account as agreed, however my credit limit was reduced. The limit reduction with the balance added back significantly impacted my credit score. This is not align with the Fair Credit Reporting Act. The company decided to refund the payment to assist with my hardship. My credit limit was {$15000.00} and reduced to {$4500.00} on the statement dated XX/XX/XXXX. 

Ive contacted the company for an explanation of the reduction as I have never had a missed or late payment. Ive contacted the company to increase my credit limit. As of XX/XX/XXXX I have a balance of {$18000.00} with a credit limit of {$4500.00}. I am enrolled in the Special Program that require auto draft of {$390.00} every 14th of the month and freezes card use while enrolled. My credit limit needs to be increased back to the initial limit while Im in the program and unable to use the card. The current credit limit is not an accrual reflection of my account and is unfairly impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I submitted a Dispute with Experian regarding incorrect information from the creditor XXXX on my Credit Report. On XX/XX/XXXX XXXX illegally opened an account, and then reported the Debt included in or discharged through Bankruptcy Chapter XXXX. This Account was Not included in my Bankruptcy. Then on XXXX, XXXX XXXX placed a Collections Status on my Credit Report, and another Negative Status on XX/XX/XXXX, even though the Account Status was Closed and there was no Usage, Balance or Payment History. Experian however rejecting my Dispute, and as a result my Credit Score has decreased significantly. 

On XX/XX/XXXX, through XX/XX/XXXX, I was shopping for a Car Loan, and had 8 total Hard Inquires during that 17 days timeline. Experian, currently listed all 8 Inquiries separately on my Credit Report, and does not allow for an Online Dispute to correct. As a result, my Credit Score currently lists 10 Inquires, which is significantly more damaging then the 3 it should reflect.

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