vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo sent me a letter telling me I met all the requirements to have the PMI taken off of my monthly payment and to give them a call. I gave them a call and the guy explained to me yes, and it is a program they have, and talked to me for about 15 minutes explaining all I have to do is have an appraisal done or something called a BPO, and I would save hundreds of dollars per month. He said I was wasting money with the PMI and I could be saving that money, instead of just throwing it away. I felt this was an answer to my prayers in the wake of the global pandemic of COVID that is happening right now. He said they would send me another letter explaining about the BPO and the appraisal. I waited for a little over a week for the letter that was supposed to help me. The second letter I received said something total different and to pay over {$6700.00} to have it removed. I called them to speak to someone to see what was going on, and the lady said, oh the man told you wrong information, and we have to do an investigation, but you can not get it removed without paying us the money there. They lied to me, very deceptive practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
hello, this people, freedom mortgage are overcharging me {$410.00} for a lapse insurace they say, ive been living in my property for 12 years been thru 3 banks and never had do deal with this kind of harrasment, these people are crooks, ive talked to them, messaged them even spoke to suppervisors.nothing, they say they will fix this and call back, they dissappear they dont care, the worst customer service in my life. 
it all started around XX/XX/2020 they send a letter asking for insurance, i contacted my condo assoc asked for the information on the policy and and had them send it to them apparentlly they dont accept that insurance but the worst thing about this is that everything they do is by letters, no emails no calls, that way the customer is the one that gets affected, so it happenend that they sent a letter around XXXX, wich we were on a PANDEMIC, i wasnt checking my mail or couldnt, that they didnt accept this insurance, by the time i was able to see their letter and tried to shop for insurance i couldnt, we were on a PANDEMIC. 
until XXXX when i was able to shop for new insurace and get underwrittes which took 2 weeks i send it to them, by the time theyre charging me {$410.00} can you belive this???? 
this company are crooks, they dont care at all, i need you to contact them and have this issue fixed, they can not just overcharge you {$410.00} for nothing, not only that {$410.00} a month is {$4900.00}, what kind of insurance is that?????????????? i was able to get a whole year of coverage for {$700.00}, can you belive this??? 
anyways ive been messaging them calling them and they dont care, at all please help me fix this issue.tks FREEDOM MORTGAGE HAS TO BE STOPPED!!!! DO NOT USE THEIR SERVICES AND LET ALL POTENTIAL CUSTOMERS KNOW WHAT THEIR GETTING INTO!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I lost my job In XXXX of 2019 and could not make payments due to a Financial Hardship on my Toyota Financial Account. 
a total of 8 payments were missed ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of the year 2019 ). 
Repossession of the vehicle occurred which resulted in me paying the past due amount to regain possession of the vehicle. 
I was told by a Toyota Financial Representative that if I had paid the amount in full to get the vehicle back my credit will not be affected as in Late Payments. 
I can not qualify for a home loan because of negative payments and or reporting reflecting on my FICO Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
On XX/XX/XXXX I received 2 wire deposits through Cash App one in the amount of {$150.00}, the other amount was {$300.00}. I cashed out {$300.00} the same day XX/XX/XXXX. I had a remaining balance of {$150.00}. The next day, XX/XX/XXXX, I received another {$150.00} deposit bringing my total to {$300.00}. I still had not cashed out the {$300.00} in my account so that is what remained in my account. XX/XX/XXXX I received another deposit in the amount of {$210.00} bringing my tota balancel to {$510.00}. I cashed out {$210.00} what should have left a balance of {$300.00} instead I had a balance of {$94.00}. I quickly attempted to reach out to the cash app folks, but they work on a 24/48 hour automated email response system. During this entire ordeal, I never spoke with a life person. 
I even sent them documentation showing the footprint of transactions and how i never received anything from Cash App stating i had cashed out the money. Over a week or so, I exchanged emails with Cash App to no avail. I did learn through one of their affiliates z XXXX XXXX  in Iowa, Cash App is notorious for stealing people 's money and hiding behind emails. 
The last and final email came XX/XX/XXXX with them saying they could noter any assistance I never received any explanation of where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
I was harassed about this debt with Easy Money. I was called and told I would be arrested for committing bank fraud if I did not pay the debt immediately. Under a lot of stress and a bad financial situation, I paid the debt that they said I owed. As a part of the negotiation, they agreed to delete the debt from my credit reports. The collection activity is still showing on my credit report. This company should seriously rethink their collections tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Sears Credit Cards, XXXX XXXX, SD I never received the statement with a payment due date of XX/XX/20. Only found out when I received a phone call saying the account is past due. I then paid via electronic transfer the full amount of {$410.00} including a late fee of {$28.00} and interest of {$6.00}. I had previously signed up for paperless statements and when I did not receive one, was told that it was returned and no further communication was attempted so a service charge was put on my account. I cancelled the paperless and now the same thing is happening with mailed statements. Wondering if this is a way to add fees and charges as I never carry a balance and have an excellent credit score.

Sears Credit Cards responded that it is a valid charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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: FL

Complaint narrative:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: FL

Complaint narrative:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Jefferson Capital Systems , LLC. I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. As of today they have not responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
My mortgage company, NewRez, LLC. charged me a fee of {$5000.00} for a Forbearance Plan ( XXXX, XXXX & XX/XX/2020 ). The said fee is described as " Interest Per Diem From XX/XX/2020 To XX/XX/2020, 121 Days@XXXX '' on the closing statement. This is extremely excessive and unbearable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I overpaid on my credit card. For weeks I have been told that BoA will reimburse me.But it has not happened. 
Today a XXXX XXXX contacted me and she was the queen of bureaucrats and had no answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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: OH

Complaint narrative:
I disputed this account XXXX 'XXXX XXXX # XXXX. As this is not mine. This account was removed off of XXXX  and XXXX, but Equifax as yet to remove it. Please remove account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Risecredit, LLC
State: AL

Complaint narrative:
This company has extremely high interest fees and should be illegal. I quickly found myself in a situation I couldn't afford so the account was charged off. I was called within a couple of months with a settlement offer of less than {$600.00} which I accepted. The company offered to delete the charged-off account from my credit history if I accepted and paid the debt that day which I did. I am still showing the debit is unpaid on my history as well as that I still owe the full balance. This company not only takes part in predatory lending, but they also take part in predatory collecting of debts. Please delete this from my credit history ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TX

Complaint narrative:
this what Eqiufax which is inaccurate XXXX XXXX  XXXX/XXXX  XXXX Reported XX/XX/2020 82 % Balance : {$1600.00} / {$2000.00} Overview You're currently using 82 % of your account 's limit. 
Balance {$1600.00} Credit limit {$2000.00} Minimum monthly payment {$55.00} Opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
This company has extremely high interest fees and should be illegal. I quickly found myself in a situation I couldn't afford so the account was charged off. I was called within a couple of months with a settlement offer of less than {$600.00} which I accepted. The company offered to delete the charged-off account from my credit history if I accepted and paid the debt that day which I did. I am still showing the debit is unpaid on my history as well as that I still owe the full balance. This company not only takes part in predatory lending, but they also take part in predatory collecting of debts. Please delete this from my credit history ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
This debt was already paid in full. I have a {$0.00} balance with this company. I was informed that if i paid it off in full that the account will no longer reflect on my credit report and it still reflects. This is hindering me from obtaining future credit. Im extremely upset that this has not been resolved as this is my 2nd complaint with the company and CFPB. I have proof showing that my account reflects a {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello, I am contacting you today regarding a fraudulent matter that began in XX/XX/XXXX within the Wells Fargo XXXX, Pennsylvania branch. I am providing the following information to help clarify the present circumstances. 

My husband and I are divorcing. He is the account holder at Wells Fargo. I have my personal and business accounts with XXXX XXXX. We did have a joint personal checking at XXXX XXXX  which was closed in XXXX after he removed all of the funds leaving me with our XXXX children at home, XXXX newborn in the XXXX and {$200.00} after my filing for a Protection From XXXX  Order and for divorce. We ultimately decided to try working on our marriage and in the process I chose not to reopen a joint account with him during this time. All of our monthly expenses as well as credit card payments were paid from his accounts, all of the payments being made online by me on our home computer with the exception of two checks for tuition and mortgage. His bank statements will show that these payments were made this way for years. All credit cards were in my name and we used them to purchase everything personally, home related and for both of our businesses. The cards were paid from either of our checking accounts. 

In XX/XX/XXXX he left our marital home where I reside and single parent our XXXX children. There was no contact from him for 4 months after he left the home and in this time I continued to pay our expenses the way we always had paid them knowing we would ultimately have to work that out in court through divorce proceedings. In XX/XX/XXXX, Mr. XXXX and Wells Fargo unauthorized any and ALL payments that I had made from his account to four different credit cards spanning back as far as purchases made in XX/XX/XXXX for our children 's XXXX gifts. The current total of the chargebacks to date is {$130000.00} which includes {$17000.00} in interest and late fees. My credit cards credited back over $ XXXX to my husband 's Wells Fargo account, he then withdrew the funds and closed the account. The credit cards are now coming after me for the funds and include purchases all the way back to XX/XX/XXXX. As my ex husband 's bank statements will show, payments to these credit cards were being made from his account for two different tax years. His bank statements go to his private XXXX. XXXX XXXX to which only he has access. Aside from this, Wells Fargo 's Deposit Statement agreement, page 11, clearly states that this should not have occurred at all let alone as far back as it  did. Someone within Wells Fargo not only completely ignored this policy, but aided my husband in fraud that has destroyed my credit and created undue stress in an already stressful divorce. 

XXXX link to video summary : https : 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 explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have become aware of inaccurate information on my credit report because I wanted to refinance my home mortgage. With the information received on the credit report, I am not able to take advantage of the offers that would have been available had my credit report been accurate. 

I am submitting a complaint because there is an account recently added to my credit report identified as Collection when, in fact, the bill was paid upon receipt in XX/XX/XXXX. 

I visited the XXXX XXXX XXXX ER on XX/XX/XXXX following an automobile crash. The hospital took the auto insurance to process billing. 

Attached is documentation of the bill and payment of the bill from XXXX XXXX XXXX with service location noted as XXXX XXXX XXXX  

Aside from the gross inaccuracy of the information that I need rectified, I am disputing the timing of the report and how it is presented on my credit report. The reporting agency, IC Systems, is reporting an account opened XX/XX/XXXX and closed XX/XX/XXXX and reported XXXX, with manner of Payment " Collection ( I9B ) ''. Payment History indicates a Balance of {$500.00} listed in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Since learning of this via my mortgage broker, I have received a paper bill ( " Collection Notice '' ) in the mail, dated XX/XX/XXXX ( also attached ). 

Please let me know when this will be removed from my credit report. If not removed in a timely manner, I will pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: KS

Complaint narrative:
I called on XX/XX/XXXX, prior to my loan payment and discussed that I have been affected by a recent COVID outbreak in our area which has reduced my income. They agreed to reduce my payments to XXXX for 4 payments. On XX/XX/XXXX, my acct was debited for XXXX. I then called again and spoke with the company on XX/XX/XXXX and was then told they did not know why the agreement was cancelled by the original person I spoke with. They agreed to an arrangement of XXXX for four consecutive payments and informed that they would not try to re-process the previous payment. On XX/XX/XXXX, they presented a withdrawal from my my bank for XXXX and XXXX. Which created an over draft on my account costing me an additional XXXX in fees. I have again reached out to them and my call gets placed on hold for greater than 35 minutes and then the call is disconnected. This is the worst experience I have ever had. I have never been late on a payment to them. I called ahead of my payment being due both times and was assured over the phone that they would start the financial hardship payments, which the blatantly lied after a verbal agreement was reached. I want they " recorded '' conversations to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This serves as the second complaint on TransUnion. On XXXX XXXX I received an email from CFPB stating that TransUnion is still working the issue and to give them 60 days. However, after contacting TransUnion they advised me that it was closed on XXXX XX/XX/2020. Which contradicts the response they provided you. Additionally the name, address, and other vital information is incorrect. I was advised also on XX/XX/2020 that the dispute was actually cancelled which was a technical issued. As per XXXX ( supervisor ).

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