vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a mortgage with Wells Fargo Bank where I have been a customer since 2001. The mortgage was to finance an investment property I was trying to purchase. The loan number is XXXX. Property address is XXXX XXXX XXXX, XXXX XXXX. 

The loan officer collected {$600.00} in advance for a full appraisal. A couple of days later neither the realtors nor I was contacted to schedule the appraisal, but the loan officer advised the appraisal report is completed. That was shocking to me and the realtors as there was no appraiser sent out to inspect the property. I was then advised by my loan officer the appraiser did a desk review rather than a drive by or full appraisal. By reviewing the appraisal, the comparable properties used were solved over 7 months which did not factor in the current real estate market or in-person appraisal. The loan officer said there was nothing he could do to either have the appraisal reviewed or anything else. Needless to say, I had to cancel the purchase contract and withdraw my loan application because of the low value the desk appraiser assigned. 

I believe this is a misleading and deceptive practice because once I should not have been charged for a full appraisal of {$600.00} if there was going to be a desk review done only and charge {$420.00}. Also, I would not have applied with Wells Fargo if I knew they would not do a full appraisal and would not consider the current real estate market. 

Given the deceptive nature of their loan application process, I would like to be refunded all {$610.00} I paid for the appraisal and credit report upfront as they did not disclose any of this information upfront.

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 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX, I was made aware that a fraudulent charge of {$920.00} was made at a store called XXXX XXXX in XXXX XXXX, NY. 

I reported this to Chase and they issued back my money. I also filed a police report regarding this incident. I was even able to obtain a reprint of the receipt and the name the person used to make the purchases. XXXX XXXX is at fault because no identification or verification was done at the time of purchase. 

Chase took back the money out of my account even those I made these complaints. I submitted my police report and receipt documentation and I still keep getting no information about this. Now I am out of over {$900.00} and I am very upset. I will be leaving Chase as a customer if I can't get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$540.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I receive my weekly PU assistance for {$200.00} via Bank of America Debit Card ending XXXX On XX/XX/XXXX My available fund coming from Unemployment was {$480.00} was stolen by suspicious activity or fraud as the Bank told me and the was all stolen. 

I requested investigation by Bank of America Fraud department XXXX XXXX XXXX on XX/XX/XXXX. 

The Bank did not investigate truly, who did accessed my account through the ATM of XXXX XXXX Bank in XXXX XXXX, NJ. 
I have never given my card or ATM password for any person. It is always in my wallet and the password in my memory. The Bank and myself are the only people who know the account Number and Pass word. 

The Bank investigation resulted by informing me that they have reviewed my case and complaint and decided to close the complaint without any justification for their decision. 

The Bank of America refused to refund me with the stolen {$480.00} and every time I call them they put me on hold for a very long time refusing to answer my questions about who took my money, on the opposite they blocked my card account and sent me another 2 debit card, which they blocked the second one and activated the third last one, but still they play gimmick and drama not to answer my question and they do not return my money. I need your help please to investigate them and get me my money I receive for being unemployed senior citizen with 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 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I previously filled a complaint. My complaint ID was XXXX. You closed my complaint after BOA answered but I have concerns with their response. I provided those questions in the feedback area but want to know if I need to start a new complaint to get my questions/concerns addressed. My questions are : 1.on XX/XX/XXXX I paid my {$510.00} regular payment and {$150.00} to principal. BOA applied {$610.00}. As my regular payment and {$50.00} to principal meaning you took interest on {$100.00} you should not have, correct? 

2. The interest charged by BOA went down steadily as the loan balance decreased, except for the months of XX/XX/XXXX and XX/XX/XXXX when the interest was higher. Why was the interest higher these months and not in line with the decreasing interest charged all other months 3. XXXX loan amt XXXX interest charged by BOA - XXXX XXXX total payments I made - XXXX XXXX paid to BOA by XXXX XXXX XXXX XXXX BOA paid me - XXXX. Why dont you owe me 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 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, BBVA was supposed to transition Simple bank customers. They told us to write down our account numbers and that on XX/XX/XXXX we would be able to log in. 
On XX/XX/XXXX the log in was down. On XX/XX/XXXX the log in was down. On XX/XX/XXXX I spent 2 hours ( one call beginning at XXXX and lasting 59 minutes working with XXXX. Then my call was disconnected with no explanation. I called back at XXXX and was on the call with XXXX who said she had reset the account and was sending me an email with log in information. I asked for her to give me the log in information and she said it had to be sent in an email and I would receive the email in 5 -10 min. That call lasted 1 hour and 3 minXXXX ( XXXX ) It is now an hour later and I have not received an email and still can not log into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
Mortgage company thought the home insurance that they are to pay on our home didnt get paid. So they purchased more insurance when in fact it did get paid. They then raised our mortgage from {$680.00} to {$1000.00} a month. I called and asked why they did this and was told it was due to the taxes being raised on the home. I called the assessor to see how much the taxes went up and they told me {$120.00} A YEAR! I had also before any of this happened filed a complaint through your office in regards to them saying they would not help us through Covid. They said they never said it but they did say it to us. So any how the raise in our monthly payment went up {$400.00} a month for our taxes going up {$120.00} a year. They do nothing but harass us. My Wife and I both had XXXX  and they would still harass us even while sick. On the very month that our mortgage was raised they did not tell us and I made a normal payment of {$680.00} thinking it was paid in full. However, they did not even let us know about the increase in our mortgage til the next month. So they put the {$680.00} in escrow saying we are behind on our mortgage. We pay them every month! I had made arrangements with them that I needed to pay on the XXXX of each month due to how I get paid. They agreed at first but every 2 to 3 months it goes back to the XXXX its due. So once again I have to call on it. This has happened several times. The raise in our mortgage never should of been raised in the first place. I also had told them that right before the Covid hit I had a severe XXXX that put me out of work for a while, u til I could recover. However, the mortgage still got paid every month. So in my case it was a double hit on my health. I was sent to a recovery hospital where I had to learn to walk again. But like I said mortgage was always paid. May of been late some times but paid - Recently they sent us a certified letter saying Notice of pre foreclosure options. Why?! The letter didnt even state why or what it was in regards to. Just a letter of foreclosure options. As if we didnt already have enough to worry about! This company wont stop! Our mortgage never should of been raised over {$400.00} a month for a {$120.00} tax raise that is per year! Please help thank you. XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
First midland reported on my credit report without ever contacting me via any formal written communication. Second Midland has not provided me with a validated debt as allowed to the debtor under 15 USC 1692 ( G ) SECTUIN 809B.XXXXXXXX hasnt yet to provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor bearing my wet-ink signature. Midland needs to provide me with the original credit claims that this debt became due and when it became delinquent. Midland has not provided me with a copy of my last billing statement sent to me by the original creditor. Midland has yet to supply a verified sworn to by affidavit copy of the contract your firm has with the original creditor, authoring them to engage in collection activating against the above alleged account. Midland hasnt provided me with certificate of authority and or proof that its able to collect in Florida. I would need a ledger statement showing the full accounting of the alleged obligation theyre attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Investigation took more than 30 days
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
XX/XX/XXXX BERLIN-WHEELER-KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX ) XXXX To Whom It May Concern : As you are well aware of, The Fair Credit Reporting Act of XXXX  requires collectors and creditors to furnish accurate and complete information to Credit Reporting Agencies. 
In a recent review of my credit report XXXX which I am enclosing as an attachment ), I have noticed some errors. Please make the following changes : Remove account immediately from credit report as account does not belong to me. 
In the event that you can not fulfill my request by deleting the late payments immediately, please verify the information you have listed as accurate by providing the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional legal remedies. 
Sincerely, XXXX XXXX XXXX XXXX SSN-XXX XX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2021-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Hi, I was shocked today when I reviewed my credit report and found late payments for my student loan accounts for Navient during the Covid19 pandemic where i thought all student loans were in deferment or in forbearance stand. How is this possible that your company is reporting student late during a pandemic. AM i not protected? Also, wasn't navient sued before by cfpb for not applying for the payment correctly or in timely manner for their clients???? 

Also, I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made several attempts to correct my credit card reporting for XXXX XXXX XXXX that Transunion and XXXX  have reported incorrectly since XX/XX/2021. 

I have done several disputes with most recent XX/XX/2021 and provided my credit card statements reflecting my balance at that time at {$3500.00} versus {$7000.00} when I opened the account and they keep saying they have verified with XXXX XXXX  XXXX. 

My bank XXXX XXXX aged has said that they keep requesting only XX/XX/2021 data which was when the account was opened and not the latest balance as of XXXX dispute which is now {$3000.00}. 

Transunion has degraded my credit score over 30 points the last couple months related to this credit card only and at this point I believe its intentional and fraudulent by stating they verified the most current information.

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 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX of 2020, I entered a mortgage forbearance plan with U.S. Bank. I did this because I own a small business in the food industry and Covid-19 had caused many restaurants to close due to the restrictions. I was unsure what the future would be with my business and did this as a precaution. I contacted the bank and was told not to worry as it would not affect my credit ... this is incorrect, it is on my credit showing a past due amount. My current credit report shows it has now dropped 10 points! For months I received notices from U.S. bank stating I was behind on the mortgage and that they had attempted to contact me multiple times to discuss. The truth is, I have been in constant communication with U.S. bank, and was told to " ignore '' the letters, as they were automatically being sent. They stated that it would not affect my credit, not to worry and passed me off to other people in their phone maze. I decided to start paying my mortgage prior to the end of the 6 months they were allowing, because I was able to pay, and I was concerned about a paper trail from U.S. bank threatening foreclosure. I started paying in XXXX of 2020 and have made payments every month. My bank statements reflect the payments made, but US bank Home Mortgage does not. They refuse to apply payments. I spoke to the relationship manager who said that I needed to take it up with the credit bureaus. I feel they have been setting me up this whole time. This was supposed to protect bank customers, but it has caused me a tremendous amount of stress and anxiety.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: KS

Complaint narrative:
On XX/XX/2021, I attempted to place a security freeze on my SageStream credit file and made two more requests via fax. I also attempted to call. On all 4 occasions, SageStream refused to place the freeze on my credit report or file with their company. Documents provided included drivers license, social security card, and a recent paystub. 

On XX/XX/2021, I received a letter from SageStream refusing to place the freeze, claiming that the documents submitted were insufficient, even though their website indicates the submitted documents were sufficient. 

Attached to this complaint as well is my response with the additional requested documents. This request was sent on XX/XX/2021 via fax to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Requested a refund from merchant named XXXX. Email states it will take 24-72 hours. That time period has expired, still no refund. Have began a dispute with American Express my credit card company to have this investigated. Documents attached show the merchant stating that they " processed '' the refund, As well as a dispute case identification number with american express. Please investigate and resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: MN

Complaint narrative:
On XX/XX/2021 I mailed a debt validation letter to RMP Services Inc ( First Scan  ) due to their reporting on my credit reports. The scanned letter is not the original. My thumbdrive malfunctioned and I lost the original so I recreated it from notes I had saved. I asked to see their license to collect in my state ( Minnesota ). I asked if this alleged debt was bought or transferred. I asked for their registered agent of service. 

On XX/XX/2021 I received a response back from RMP Services LLC ( Scan Two ). Contained in their response they sent my personal or someone else 's personal medical information. They did not include a signed HIPPA release allowing them to have this information. They completely ignored my demands to see a contract reflecting that I owe them anything. I have turned the HIPPA matter over to The U.S. Department of Health and Human Services and the confirmation number for that is XXXX. They have failed to provide me with anything validating this alleged debt. 

On XX/XX/2021 I sent a response to RMP Services LLC demanding proper debt validation ( Scan Three ). I marked up the documents asking questions about the contents of the documents. I also demanded to see a signed HIPPA release.

I received a response ( Scan Four ) on XX/XX/2021 that was dated XX/XX/2021. This letter was sent to my mother-in-law 's Post Office Box even though RMP Services knows I live in Minnesota, and has corresponded with me at my Minnesota address. Why they did this is a mystery. The letter stated that they are not going to give anything further. 

I will be sending a response on XX/XX/2021 ( Scan Five ) I have put a CC on the letter for CFPB and the FTC. I have stated in this letter that if they do not properly validate this alleged debt or remove it from my credit report ( s ) I will escalate this matter to the Attorney General 's Offices of Texas and Minnesota. This letter will be sent certified mail via USPS and I will provide the tracking numbers upon request.

Company response to consumer: Closed with explanation