vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
I refinanced my student loans through SoFi. I submitted an application and accepted interest rate of 3.05 % before their stated deadline of XX/XX/2021. On XX/XX/2021, I received a call from a SoFi representative stating that my interest rate was increasing to 3.55 % because they were unable to verify my income based upon my pay stub. As instructed, I uploaded my pay stub to my online portal. 

On XX/XX/2021, I called SoFi to follow-up on the status. I was informed that the initial 3.05 % rate had expired. I then asked to speak with someone on their escalations team because I did not understand how the rate expired if I followed their instructions and it was SoFi 's delay in contacting me to ask for more proof of income. I then spoke with XXXX XXXX on their escalations team to explain the situation and to explain the pay stub and prove that I made the income that I represented. It appears that SoFi was simply looking at my gross income, however, as a travel nurse, I receive tax-free funds that are no included in that gross figure they were going off of. I explained XXXX XXXX that SoFi needs to add up the gross amount as well as the tax-free portion of the pay stub. XXXX XXXX seemingly understood and said that if all of my paperwork was initially in prior to the deadline, then I should receive the 3.05 % rate. She then stated that she would have a " reviewer '' look at my file and get back to me ASAP. Immediately thereafter, I also uploaded a new pay stub that I received ( since I was just paid again ) as well as a copy of my bank statement to show how much income I was receiving. 

On XX/XX/2021, I received an email from an " XXXX '' at SoFi indicating that they can only offer me a 3.55 % interest rate. I emailed XXXX XXXX asking why this was and I received a response from " XXXX XXXX '' indicating that the previous rate already expired and that this new rate was based on the income paperwork. This is just going in endless circles even though I accepted a rate of 3.05 % and submitted my necessary proof of income. SoFi appears to be luring consumers in with lower interest rates and then hitting them with a higher rate without any logical explanation- they simply repeat themselves over and over again. 

Their delay in processing your application and general incompetence has now forced me to accept a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one Account # XXXX {$130.00} that I owe Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX {$9600.00} incorrect balance- Balance is Zero XXXX {$3400.00} incorrect balance-Balance is Zero XXXX {$5500.00} incorrect balance- Balance is zero The cards listed above have been paid and remain showing balances. I have contacted the credit company handling it which are all Citibank. They have acknowledge that they are paid in full and will not change that shows I owe them a balance. These accounts have no balance owed.

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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America ( BOA ) was contacted the beginning of XX/XX/XXXX and claim # XXXX was submitted in reference to the dispute with XXXX XXXX. When the claim was submitted, I explained to the BOA representative my claim was in reference to the quality of the merchandise, and possible " Bait and Switch '' because the merchandise advertised on their website is not the merchandise I received and also submitted photographic proof. I explained I had contacted the merchant multiple times and I never received a response. BOA contacted me on XX/XX/XXXX advising me the claim was denied, not based on the claim at hand, but stating the transaction was valid because they provide proof of the transactions. Bank of America failed to review my claim properly or the documents submitted. I contacted BOA on XX/XX/XXXX to advise them my claim was reviewed incorrectly and it was based on if the transaction was valid or invalid but the quality on XX/XX/XXXX I received another response my claim was denied. This Bank use to have a good corporate structure, but it horribly ran now, and I base this on how my claim was presented to merchant incorrectly after all documents were submitted.

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 2022-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Since 2016 XXXX has refused to allow me to enjoy the health benefits that my company provides. First, they didnt understand that a XXXX  citizen had a XXXX XXXX ( XXXX ) and not residence or USA citizenship. I explained to them it was due to my status as an XXXX. After that, XXXX closed the account ( 2016 ) that my company had opened. I have spoken several times to try to activate my account. They have asked me for different documents that I have provide. Among which are my Work Permit, Social Security card and a multitud of oficial and bank documents that show my current address. However, they refuse to activate my account. I believe that due to my immigration status and my condition of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Comerica
State: IA

Complaint narrative:
Comerica/Direct Express says a replacement card was mailed but it has not come. 
We have tried for 5 days, all hours if the day and night, to reach their customer service but literally no one ever answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX XXXX Account # XXXX {$130.00} that I owe Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and 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 2022-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX around XXXX, I called NCB because at my bank 's request. I spoke with a gentleman to request a verification of the debts I allegedly owe. I asked if it could be emailed to me so that I could proceed with what I was trying to do and was told that could not happen. I provided a few other solutions and was told that could only happen if I made a payment arrangement at that time. I declined to do because I did not have the information I requested. I did not receive the information needed after about two weeks, so I called again but I have not been able to get an answer on the phone nor have I received the documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD BANK XXXX XXXX I owe {$0.00} Status current Date opened XX/XX/2018 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I am the XXXX for my father 's estate. We provided that info along with his death certificate. XXXX still demanded to speak to my deceased father and requesting his signature. He passed in XXXX of 2021 We just need a pay off amount on his home which we have sold almost a month. 

I also have my lender trying to get this info from them as well and no luck.

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 2022-01-06 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau in XXXX and now we are on XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX 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 explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX I owe {$0.00} Status current Date opened XX/XX/2018 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Complaint I had a hacker hack into my XXXX shared account with my dad, and all my other bank accounts ( XXXX XXXX and XXXX ). XXXX XXXX and XXXX were very helpful and fixed every problem that happened. XXXX on the other hand let a hacker get into my account and let them mobile deposit an electronically made check that was for {$2500.00}, the check was deposited it into my account within 24 hours and on XXXX. A check that wasn't even endorsed by me was let through into my account without my knowledge, after the holiday when the check later was found out as fake the XXXX called me 6-7 times in the same day and have demanded and harassed me for about two months now for the {$2500.00} for the fraud check that was not even deposited by me. The VP of the branch listed above was named XXXX XXXX and she was the one I talked to about everything, after visiting her and her being of no help she gave us the name XXXX XXXX who was the vp of all the branches in the area. Now they have withdrawn {$2000.00} from my paypal account without my permission. I called paypal and they do not understand why or what is going on and suggested I contact the bank since they were the ones to do this. I have NO access to my XXXX  account they have locked me out of them I also have not contacted the bank as I feel as if this may be someone internally. I have filed two police reports regarding the situations and currently working on an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Four years ago I went to Bank of America to give them a power of attorney for my mother who was in a XXXX XXXX with XXXX. I already had an " in trust '' account for her where she received her Social Security check. The Bank of America Relationship Manager said I had to close the XXXX account and open a new POA account for her when I already had an XXXX account. I also had to change where Social Security sent her check due to the change. Now my mother has passed away, the POA is no longer valid and Bank of America is requiring that I go through probate. I believe they wanted me to open a new account to increase their productivity numbers, as that was the practice at the time, as was investigated and Bank of America was sued for later on. I've been informed that XXXX account was an account that I had capabilities I needed for my mother who had XXXX. When they switched me to a POA account and upon her passing, I have lost the ability to close her account. Bank of America has now frozen her account. I was mislead to close the XXXX account and to open a POA account. The Bank of America Relationship Managers and the Estate Unit Managers are demanding I go through Probate when I would not have had to if I had not been mislead. In XXXX XXXX Florida you must have an attorney to process a " Petition for Summary of Administration ''. Attorney fees start at {$1500.00} and the filing fee is {$340.00}. That is a total of {$1800.00} at minimum. The amount in my mother 's account is {$1200.00}. Bank of America is forcing me to leave the money in the account instead of allowing me to close it. I truly believe they mislead me into opening another account for her social security benefits when we didn't need to open another account. Now the POA has expired upon her death. The XXXX account was opened at another branch prior, the branch manager, forced me to close it and open another account. Now I can not access her account because they froze it. It makes no sense to go through probate and pay {$1800.00} when I'm trying to retrieve {$1200.00} and close the account. I have been a Bank of America client since 1998 and a XXXX client for years. I am seriously considering taking money elsewhere if this is not resolved in my favor. A Bank of America employee created this problem, he has now been terminated, therefore I hold Bank of America liable. I have done my due diligence and I hold Bank of America liable.

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 2022-01-06 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: FL

Complaint narrative:
I sent Transunion an Identity theft affidavit and they have no removed the inquires from my report. Under federal law, Transunion has thirty ( 30 ) days to complete your investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). It's been almost 3 months.

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 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO BANK XXXX Status current I owe {$0.00} Date opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and 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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Was diagnosed with XXXX  and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Was diagnosed with XXXX and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020

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 2022-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I received a 18 month Covid forbearance because I experienced hardship during the pandemic, the forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called my mortgage company on XX/XX/XXXX to discuss payment options since the forbearance was ending and the representative advised I could apply for a VA Disaster Modification which did not require an application or documentation to be provided. I advised the agent I wanted to proceed with this option. I called the mortgage company in XXXX, XXXX, and XX/XX/XXXX and also called in XX/XX/XXXX. I told that my VA Disaster Modification was denied and that my loan was being transferred to a new servicer who would assist me with modifying the loan. Something didn't feel right about the call so I called back in a few days and a representative told me that I was provided incorrect information and that my mortgage was not being transferred to a new servicer but that the Disaster modification was indeed denied and the only option I had was to apply for a full modification. I explained to the representative that I have been told month over month that met all requirements for the VA Disaster modification and that I just needed to wait for the review and I would receive the modification documents in the mail that would explain my trial and repayment period. I said it was very frustrating to wait 3 months and now have to start over and have to complete a full modification application and provide bank statements, tax returns, and paystubs. I said I do not want to apply for a full modification and am just trying to resume payments but I understand there is a 18 month forbearance balance that needs to be added to the end of the loan or some other action. The representative then advised that I may be eligible for the VA partial claim that would create a separate Note for the 18 month forbearance balance but the representative did not know how to complete it. I asked to speak with my assigned loan workout specialist or to a supervisor and the representative told me that she can not transfer me and can only send them an email and ask them to return my call. 
I just need help to speak with the correct department/person to confirm what steps I need to take to resume making my mortgage payment. I do not want to apply for a loan modification and should not have to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I opened the Macys credit card issued by XXXX XXXX on XX/XX/2021. I made few purchases on the same day and have sent of XXXX now. They send me the card I tried to call them and activate the card but they every time deny activating the card saying they need to verify my identity calling me but they never call to me this process been three times. Now I have got a bill saying I need to pay them but I can not pay them because they dont activate my card. I am afraid they will put me to collection for not paying them on time but I want to pay them and can not because they never activate my card. Please help me to activate my card so that I can pay them the 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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I was diagnosed with XXXX for the XXXX time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX Holiday.

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