vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I have been experiencing several issues with Freedom Mortgage, who acquired my loan when it was sold by my previous company. When I went over to Freedom Mortgage on XX/XX/2020, my COVID forbearance plan was set to start on XX/XX/XXXX as well. I was contacted by a loan advisor, XXXX XXXX, who advised that they can lower my mortgage payment by refinancing. I advised him that I was on the forbearance plan and he advised that we can still refinance as long as we continue to pay our mortgage on time ( by the XXXX ) for XXXX and XXXX and we will not have to pay XXXX as that will be the month that we close. He advised that he will remove us from the forbearance plan and proceed with the refinance. Since XXXX I have left several messages and requested several return calls, and he has yet to return my call. 

The whole process has been plagued with issues and I have had to contact this company several times in an effort to assist with the process. I was contacted by someone today who advised that I am still on the forbearance plan. I was advised that I was never taken off of the plan and was now two months in. This whole time I have been making my monthly mortgage payment. I was told that I had lost 2 months and they could not credit me back. I was disconnected from the initial call after being on the phone for 30 minutes with the forbearance unit. I called back and was on with a customer service representative named XXXX for and hour and twenty minutes. we had approximately 6 minutes of talk time and the rest of the time was spent on hold as she conferenced with her supervisor, who refused my escalation request. While waiting on hold, I was then transferred to another representative without warning or notification. 

I no longer know what to do. I can not deal with this company anymore. There business practices appear dishonest. From the time that this ordeal started in XXXX I have spoken with over 25 different representatives. I have reported their practices in the past but it seems like I continue to be brushed off. I have read similar experiences by others, but it appears that the government, although reading our experiences are not taking any actions to assist us consumers with anything. People are already out here struggling with financial issues related to COVID-19 and it appears that this company is attempting to monopolize off of the struggles of Americans, under the guise of offering relief and assistance.

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 2020-12-10 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: IL

Complaint narrative:
All three credit bureaus are denying my opportunity to live a better, prosperous life by reporting false information on my credit score. I have contacted the companies that the original creditors and they tell me they have closed and charged off the account and can not do anything about it. They continued to tell me that i need to contact the credit bureaus to remove them from my record. I have sent several letter giving the credit bureaus an opportunity to set things right but refused to do an accurate investigation and remove those damaging items from my record as well as unrecognizable hard inquiries. In these days with so much hardship going on as far as getting employment. This inaccurate information could prevent me from achieving a better life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: IL

Complaint narrative:
All three credit bureaus are denying my opportunity to live a better, prosperous life by reporting false information on my credit score. I have contacted the companies that the original creditors and they tell me they have closed and charged off the account and can not do anything about it. They continued to tell me that i need to contact the credit bureaus to remove them from my record. I have sent several letter giving the credit bureaus an opportunity to set things right but refused to do an accurate investigation and remove those damaging items from my record as well as unrecognizable hard inquiries. In these days with so much hardship going on as far as getting employment. This inaccurate information could prevent me from achieving a better life.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A balance transfer in XXXX of 2020 for {$5100.00} was initiated and Citi sent the check to the proper address but the name of the bank was wrong. That check was cashed at XXXX  XXXX XXXX. Since the bank name was wrong it never paid off the balance it was supposed to. 
I contacted Citi about the mistake and Citi sent another check for {$5100.00} to the same address but this time with the proper bank name and this time our balance was paid off. 
Now Citi wants to charge me {$10000.00} for one {$5100.00} transfer!!!!!!!!!!!! 
They tell me to find the missing check!!!!!!!! 
They tell me to call XXXX  XXXX XXXX and find it!!!! 
It says pay to the order of XXXX XXXX XXXX on the back of the check!! 
XXXX  XXXX XXXX will ; not talk to me because I do not have an account there!!!!!! 
Citi knows where the check is!!! 
They admitted it!!! 
Citi tells me they will call me back but they don't!!!!!! 

I am tired of being lied to, shuffled around and ignored!!!!!!!!!!!!!!!!!!!!!!!! 

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 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I spoke with a representative in the recovery department of FIFTHTHIRD BANK name XXXX on XX/XX/XXXX, regarding a balance owed on my bank card in the amount of {$970.00}. XXXX advised me if paid in full, FIFTHTHIRD would remove this account from my credit report within 30/60 days. I processed the payment in full using my debit card with XXXX on XXXX/XXXXXX/XX/XXXX. I noticed to date that item is still showing owed on my credit report. I called FIFTHTHIRD on XX/XX/XXXX and spoke with a young lady in the recovery department, who was extremely rude, told me that FIFTHTHIRD was not responsible for advising the credit bureaus that the account had been paid, even though I was guaranteed that it would be removed, but that I would have to file a dispute with the credit bureaus. I pleaded with her to get me to a supervisor because I am desperately trying to repair my credit to buy a home. She repeatedly said be patient and file a dispute, and eventually hung up on me. Item was not only, not removed, but never updated. On XX/XX/XXXX, I received an alert that my credit score dropped by 27 points. I called XXXX directly and it was confirmed that it was due to the FifthThird account showing even further delinquent on my credit report. Needless to say, this account is still sitting on my credit reports stating a balance due of {$970.00}. This bank has set me back so far due to their misrepresentation and lack of keeping their recorded commitment. 
Please, compel FIFTHTHIRD to honor their word and remove this item and hopefully Ill get those lost points back, and never deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: FL

Complaint narrative:
on XXXX XXXX, 2020 at XXXX XXXX  Delivered to Agent for Final Delivery XXXX, PA XXXX i contacted credit reporting agency about a fraud on my report. agency did not follow protocol as needed to remove fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: FL

Complaint narrative:
on XX/XX/2020 at XXXX XXXX  Delivered to Agent for Final Delivery XXXX, PA XXXX i contacted credit reporting agency about a fraud on my report. agency did not follow protocol as needed to remove fraudulent account

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 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had checking accounts at both XXXX  and Wells Fargo that were charged off due to overdrafts caused by unauthorized debits. This occurred towards the end of 2019. I notified both banks of the unauthorized debits. Instead of stopping the unauthorized debits and investigating/providing provisional credit as required by Regulation E, both banks charged me hundreds of dollars in overdraft fees in addition to the unauthorized debits, charged off my checking accounts, and submitted negative information to a credit reporting agency. I received no Regulation E disclosures regarding my disputes from either bank, and the negative information reported is preventing me from opening bank accounts with other financial institutions. I had a similar thing occur at XXXX XXXX  ( I'd like to clarify that XXXX XXXX  is NOT part of this complaint ), but instead of charging me fees along with the unauthorized debits and charging off my account, XXXX XXXX  handled the situation correctly by refunding all unauthorized debits and any related NSF fees. My account remains open and in good standing. I don't understand how XXXX and Wells Fargo can get away with doing the opposite. They've harmed me financially and reputationally. This needs to be fixed.

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 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I lived in XXXX XXXX XXXX XXXX  from XX/XX/XXXX - XX/XX/XXXX. My son was diagnosed with severe XXXX and put on a XXXX  and XXXX  for the entire time while living in XXXX XXXX XXXX. There was mold and construction dust in the Ac unit that was causing his illness. We notified the maintenance of the apartment complex who simply changed the filter of the Ac unit, but the mold and construction dust remained a problem. We decided to take action for our sons health and gave a 60 day notice that we would be leaving due to unlivable conditions in the apartment. As soon as we moved, my sons severe XXXX and XXXX  issues went away immediately. We have submitted several letters to the company directly about this matter and they pay no concern to the issue and are charging us for the last months rent money. They neglected to keep a healthy living environment and for that my son was on harmful XXXX  for almost one year. I have medical bills and prescription/ medical records to prove this. The charges they are requesting are unlawful and need to be removed from mine and my husbands credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I opened my Coinbase acct. in good faith on XX/XX/XXXX with my cell phone. Today is XX/XX/XXXX. I have never used any other device to log into my coinbase acct. Now all of a sudden, coinbase app says my device is unrecognized. I have tried the reset my password option but it still won't take. I am unable to get a live person to talk to and I have repeated submitted tickets to them, but they don't care to address it. I have also requested that they close my account, refund my money back into my bank account, and send me all the proper paperwork for me to file my taxes. No response from them. Now they have my money locked up with me unable to access it during this covid pandemic when every cent counts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently called Equifax to temporarily unlock my credit file to turn power on with XXXX XXXX. I provided all my information and was verified. I started my service with XXXX energy in XXXX of 2020. When I called back regarding another matter the representative told me that the information that I provided her did not verify my identity. I know that whenever anyone does a credit check with a creditor it automatically updates you name, address and provided information in their system. I am using a public computer so I don't want to provide my social security number. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I made the call to duke energy, I believe, on XXXX XXXX, 2020. I believe someone has changed my information in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One continues to send UNSOLICITED credit card offers to my house for a person named XXXX XXXX. This person has not lived at this address in over 7 years. Capital One sends on average of 4-5 offers PER WEEK. I have consistently asked them to STOP SENDING these offers to this address. Yet they continue to do so, and I am tired of it. We are NOT interested in any Capital One products, we currently DO NOT have any Capital One products, and we do NOT PLAN on obtaining any Capital One products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have XXXX loans issued through the Federal Family Education Loan Program that are held by Navient. I was under the impression that under the CARES Act, these federal loans would be subject to a reduced interest rate ( 0 % ). I have learned today that is not the case as the " owner '' of these loans is Navient Trust, which would technically make my federal loans privately owned and exclude them from the benefits of the CARES Act. I had no say as to who my loans were sold and believe this is a criminal act against the 14+ million students who have been impacted during this especially tragic time. I do not want to pursue a class action lawsuit will feel forced to if this injustice is not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I attempted to apply for a business credit application via XXXX ( Synchrony ) and included ONLY my EIN # which is XXXX. However, this application caused a hard inquiry on my personal credit report with XXXX  which should have not happened. I never once provided my social security number. I submitted a dispute with XXXX  and they came back saying the accuracy was verified. This is so wrong because I thought I was applying for a business credit card but the app was for a personal and it was rejected but they submitted a hard inquiry. 

I talk to XXXX and XXXX from Synchrony who was no help and would not here my concerns and didnt want to help. 

This is so wrong on many levels and I need some assistance getting this inquiry removed as I did not authorize this. 

Please contact me at XXXX if any questions or needed. 

XXXX Thanks, 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 2020-12-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I have informed the company that they are calling the wrong number ; more than 10 times. This is my work number XXXX. I am not associated with the debt or the Money Source. Again this is my work number I am a XXXX XXXX for XXXX XXXX county I have XXXX  call this number. They are disrupting my work and impeding my ability to provide services. Phone will not stop ringing they call non stop ; today XX/XX/XXXX they called 5 times back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an account due to identity theft. I've included multiple FTC identity theft reports, police reports and verification to Experian to block this information. My identification was compromised and I have a notarized document from the DMV indicating that my identity was stolen and I'm willing to prosecute. Additionally, I've filed a police report which is included in the 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
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 around XXXX, I received a text alert from XXXX that a transaction on a card that was in my possession ( never stolen or missing and rarely even used ) for {$3100.00} was PENDING from Wells Fargo in XXXX XXXX FL XXXX I immediately called my bank to block the card ending in XXXX and told them that I did not authorize this. I am a XXXX veteran and this took 99 % of my XXXX check. I asked them to stop this pending transaction and was told by the CS that I had to wait until it posted to do a dispute. The next day, the transaction ( {$3100.00} and {$3.00} over the counter fee from Wells Fargo ) posted to my account with the following memos : Signature purchase from XXXX WELLS FARGO C/A # XXXX XXXX FL XXXX XXXX Card ending in XXXX Debit : OTC Withdrawal Fee Posted on XX/XX/2020 at XXXX I immediately filed the dispute with my bank and called Wells Fargo Fraud number on XX/XX/XXXX. The CS at Wells Fargo told me that because I was not their banks customer to contact me own bank for this dispute. And that was that with Wells Fargo. They took my money and now Im suffering undue hardship. The claim ( # XXXX XXXX for this fraudulent transaction at a Wells Fargo in XXXX on XX/XX/XXXX has left me devastated. I was told the investigation with Wells Fargo could take up to 10 days XXXX XX/XX/XXXX. ) I am a XXXX veteran that suffered from XXXX  XXXX and XXXX XXXX XXXX and the fact that all but {$120.00} from my entire VA direct deposit for my XXXX check is gone has been completely devastated! I am unable to pay any of my expenses to include Rent, car payment, car insurance, etc. I have incurred late fees, non sufficient fund fees from my bill collectors as a result of this fraudulent transaction. I believe this is an inside job with an employee of XXXX and an employee of Wells Fargo.I also believe I aint the only one that got ROBBED from this type of fraud by these two businesses.

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 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following items were listed on my credit report and they do not belong to me : XXXX account number # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Charged {$35.00} overdraft fee even though account was not overdrawn. 3rd time it has happened.

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