vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Third Party Loan check was issued on my behalf from XXXX. The check did not have correct complete information regarding my XXXX XXXX  to Wells Fargo, XXXX XXXX. Check was cashed and deposited into Wells Fargo general vehicle loan account. Wells Fargo will not return the funds to XXXX or work to apply it to the correct Wells Fargo XXXX  XXXX. I have pleaded with XXXX and they state there is nothing they can do since the check was cashed by Wells Fargo. I am attaching a copy of the cashed check and the vehicle purchase agreement.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: IA

Complaint narrative:
The company to send complaint to : Crypto.com contact @ crypto.com Crypto.com is headquartered in XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. 

Starting in XX/XX/XXXX through XX/XX/XXXX, I was involved in a cryptocurrency trading scam. I met a person via XXXX dating site. I was asked to " invest '' using a fraudulent copy of Crypto.com XXXX  wallet. ( see below ) I wired money to Crypto.com XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$20000.00} within Crypto.com, money was converted to crypto and transferred to the fake websites ( XXXX XXXX XXXX. These websites are identical and appear to be owned by a XXXX company XXXX XXXX XXXX. Once theCrypto was loaded to these websites, I was instructed to make trades which appeared to be very profitable. I started with small amounts and even withdrew ~ {$10000.00} initially to ensure my money was safe. As the transactions got higher, the profits got higher until I finally decided to withdraw at least my investment plus the amount need to cover income taxes- it was that large withdrawal that was not completed, and my account was subsequently frozen. the only contact email I have with the person I was working with is an email address, XXXX details of the transactions between the website/exchanges are in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This loan is under my parent 's name. In XX/XX/2022 we sent a notarized family transfer form as requested by PHH Mortgage to have my parents removed from the loan and list me as the only primary borrower. All documents requested were sent with the form and they stated they needed the lien to be changed to name only for me XXXX XXXX to assume the loan. The same mortgage company PHH now placed forced placed insurance because the insurance policy is under my name only and not my parents which they required to be removed from the deed in order to process the assumption. PHH has continuously delayed the assumption process and now i have my own insurance policy and they also have an insurance policy which is illegal to have 2 policies for the same collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I am facing foreclosure due to negligence by Freedom Mortgage. 
My husband and I refinanced our original mortgage on our home with Freedom in XXXX, XXXX. We both signed the new mortgage as borrowers. 
In XXXX, my husband and I divorced. In XXXX, XXXX, my ex-husband quit claimed the house to me. 
In XXXX, my ex-husband discharged his personal liability for the mortgage through a bankruptcy filing. 
In XXXX, XXXX, I entered a loan modification trial period with Freedom. I made all payments through XXXX, XXXX. In that month, Freedom sent me a final agreement packet that was in my ex-husbands name. 
Freedom acknowledged my status as the successor in interest to my ex-husband via a letter in XXXX, XXXX. However, they have consistently refused to work or communicate with me about the loan, insisting that they can only speak to my ex-husband as the borrower. This is incorrect. Under RESPA, I am to be considered the borrower because of my status as successor in interest. 
I have attempted to submit an application for a new loan modification, but Freedom only returns an offer in my ex-husbands name. Because they will not work with me on a loan modification agreement, I have been unable to make payments. Freedom filed for foreclosure in XXXX, shortly after the property was quit claimed to me. At that time, the past due amount was approximately {$6200.00}. That was when I started the first loan modification, resulting in the trial period beginning in XX/XX/XXXX. Now Freedom claims that there is over {$81000.00} owing on the loan. They have been adding interest and late fees while also not working with me as the borrower to develop a loan modification plan. 
I have applied for HAF funding to cover up to {$40000.00} of the amount owed. But Freedom is refusing to provide me with a loan modification application in my name to address the remaining amount owed. Instead they keep sending an application in my ex-husbands name, with a request that he reaffirm the debt. 
In communications with Freedom, I am told conflicting things about my account. Some representatives tell me that I do not need to assume the mortgage, others tell me that I do need to. Some representatives tell me that my ex-husband is the only person they can talk to about the mortgage, others will talk with me but then send me documents in his name only. Freedom is inconsistent in mailing information - sometimes it arrives addressed to me, sometimes addressed to my ex-husband. I can not get them to commit to communicating and working with me as the borrower.

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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been trying to make payments on my capital one credit card. On the following dates XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 Not one of these payments have went through. 
The account number and routing number are correct. 
I have tried over and over to pay these bills and now my account is closed and due to this activity my credit score have been affected tremendously. Very disappointed with Capital One. This has ruined a future for me trying to provide my family with their very first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/XXXX, a gentleman named XXXX XXXX called. He told me he had a program that could show me how to pay off my Mortgage between 5-7 years. It sounded convincing at the time, and I told him I needed more information ; he said that I needed to pay for the program and then they would send me a XXXX link to explain the program. I paid for the program on XX/XX/XXXX, and received the link to the XXXX meeting. 
After I listened to the information from the XXXX meeting, I realized they wanted to Apply to a bank of their choice to pay high interest on the loan and add my paycheck to the program, and I was concerned. 
I sent a cancelation email on Wed, XX/XX/XXXX, at XXXXXXXX XXXX. I explained to them that I was going through a XXXX and had a court date on XX/XX/XXXX. I didnt want to continue with the program, and my credit score was not great ; plus, I Dont know if the court is not going to ask me to sell the house. 
The answer was that they would postpone the transaction till my court date on XX/XX/XXXX, and I could transfer the program to another home. I told them I was not going to buy another house anytime soon, and again, I asked them to go back to the original email that I sent on Wed, XX/XX/XXXX, at XXXXXXXX XXXX, XXXX, of cancellation ; I want the refund back on my credit card. 
Since then, I have been going back-in-Fort to get the refund back. I submitted a complaint to Pen fed the credit card on XX/XX/XXXX, to let them know I never used the program or received anything to download from Accelerate Banking ; I canceled the transaction, and they refused to apply the refund to my credit card, I received two XXXX calls once after XX/XX/XXXX, which withdrew on Wed, XX/XX/XXXX, at XXXX XXXX 
Another one after XX/XX/XXXX, because they postponed the transaction, which I was unaware of ; again, I asked them to return to my original email on Wed, XX/XX/XXXX, at XXXX XXXX. 

As of XX/XX/XXXX, the XXXX is still trying to get me through the process, which I have never purchased since I canceled on XX/XX/XXXX. They charged me {$3900.00} for XXXX XXXX calls to explain the funny strategy to scam me out of my money. One XXXX call was on XX/XX/XXXX, and the other was after XX/XX/XXXX, which I considered because I wanted my accounting adviser to hear what they were trying to sell me. They postponed it until my XXXX court date but canceled it on XX/XX/XXXX. I never told them I wanted to proceed, especially when they stated that I had to put my paycheck into the process and then apply with several banks of their choice to pay high interest on my salary.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank closed my account due to fraud transfers from my XXXX XXXX to my account. My account was closed they said they will provided my balance after 30-60 days which would be XX/XX/11 now they are saying they wont give me my funds because they closed my account due to my last check deposit I have to contact the maker have them issue a refund. Its inconvenient to have my employer due that due to the fact they confirmed check was cashed.

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 2023-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: DC

Complaint narrative:
Paid amount due, one month 's payment, via phone system, on XX/XX/XXXX. Phone system said payment was successfully processed. 

Noticed on XX/XX/XXXX that funds had not been withdrawn from personal bank account. Web chat conversation with loan processor revealed that bank had changed loan account to only accept certified funds. 

Sent certified funds for two months ' payment, from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Check was received by processor XX/XX/XXXX. On XX/XX/XXXX, bank reversed funds. 

Phone call with bank on XX/XX/XXXX, they did not supply an image of the check.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern I bought a used car in XX/XX/XXXX and started to make payments in XX/XX/XXXX. In XX/XX/XXXX I became unemployed, informed the bank and requested a Covid19 repayment plan under the CARES ACT. I spoke to a specialist in the Customer solutions department and made my payments. The agreement was that all of the late fees would be removed for XXXX, XXXX and beginning of XXXX in order for me to make payments and get back on my fee. 
I requested fifth bank for my Installment payment history and I saw that all of the late fees were still there and nothing was removed. 
Aside from the above several late fees are being posted before my due date, which is on the the XXXX of every month. 
I have spoken to 8 representatives who confirmed that there is an agreement in the account, they see my calls, their access is limited since they are customer service representative and that the only people that can remove late fees are the customer solutions or the vehicle borrow assistance hardship department. 
I also spoke to another representative in XX/XX/XXXX and informed me that several times representatives promise and mismanage clients expectations or information to get payments. 
I require all of these late fees to be removed, require that my account be investigated and interest be assessed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: WI

Complaint narrative:
Company reached out to me the for the first time on XX/XX/2023. They said that the debt was listed on XX/XX/2023. There was never any letter received and looking in the account history, it shows there was never any statements. This was a blatant drop on their end as we are now over 100 days until first contact with not proper way to verify this debt as mine. There is legal obligation to make contact within 30 days. It should never take 105 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Claims Department Blocked me from making disputes online with my checking account. This is unfair discrimination as other users are able to do this action. They blocked my ability to do this because I filed multiple claims with the bank after my card was used in multiple fraudulent charges.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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