vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In XXXX of XXXX, Wells Fargo Bank offered a forbearance to customers due to the COVID-19 pandemic. My wife lost 100 % of her income as a XXXX XXXX due to the pandemic so we regrettably decided to take advantage of Wells Fargo 's program to defer 4 payments until the end of our mortgage repayment schedule. Everything was smooth for the 4 month forbearance and we began making regular monthly payments again XX/XX/XXXX. WF sent a notary to our home for us to sign off on the deferment of the payments. We completed this paperwork XX/XX/XXXX and were told that processing time due to high volume was 2-4 weeks. We continued to make payments only to realize via our online portal that the payments weren't being applied to our mortgage, but rather sitting as " unapplied funds. '' At the direction of WF customer service, we authorized these payments to be applied to the mortgage balance. Each time a representative applied the funds, a couple days later WF would reverse the payments. This has occurred every month since XXXX, now nearly 6 months later. My wife and I have now made more than 3 dozen calls to WF spending over 4 hours of our time trying to straighten this out. The claim has been escalated to the " Executive Office '' with the only explanation to us being that there is a " system issue '' with the settlement department. We've been told numerous times that the problem was nearing resolution, only to be deferred further. Our most recent contact XX/XX/XXXX, WF once again deferred resolution until XX/XX/XXXX. We need a resolution to this issue before then, as our account is now reflecting 4 months delinquent, despite our monthly payments being made.

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 2021-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I removed my pension from XXXX due to identity theft. I deposited the funds into a newly open account with 5/3rd. It was put mainly in a savings account. My husband has XXXX  and XXXX XXXXXXXX XXXX. I agreed to use my savings to remodel the basement for him. 5/3rd has put a hold on all my accounts and will not allow me access to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Sun Trust in the forbearance process has incorrectly calculated the principal balance of my loan. I am about to sell my house so I will lose this amount from the proceeds. Sun Trust has increased what was shown as a principal of {$290000.00} to {$290000.00}. They have been unresponsive, and they have been unwilling to fix the problem.

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 2021-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Social Finance, Inc.
State: LA

Complaint narrative:
I am having an issue with my loan refinancing agency. I have refinanced my private loans through XXXX, and Sofi/XXXX XXXX. The loan is a 7 year XXXX refinance loan with an interest rate of 5.375 % fixed loan. The loan was issued XX/XX/XXXX. The initial agreement was for a $ XXXX monthly payment for a total of 54 months. I applied for the loan during my XXXX XXXX and finished my XXXX in XX/XX/XXXX. After XXXX, I pursued a fellowship in XXXX XXXX. I am currently not an XXXX XXXX and have one and a half years left before I can start getting paid like one. Since my XXXX was finished the loan reverted to full payment after 6 mths. I applied to re-instate the {$100.00} as I had not utilized the full 54 month period. However, my application was declined because the loan company had realized that my school was not a XXXX XXXX school at the time of my graduation. They told me it was an accident that they even let me refinance in the first place, as they did not check this prior to issuing my loan. However, now they are charging me about $ XXXX/month. I only make {$62000.00} yearly and am in no way able to pay this off with my current salary. I have called them numerous times and have been constantly redirected between SOFI, and SOFI/XXXX. I tried to apply for forbearance through SOFI/XXXX, and they declined my application as they reported I am do not meet the criteria for economic hardship. I then looked to refinance my current loan again through SOFI and they keep declining stating that my school is not a Title IV school so they would not make any changes on the loan. In short, the loan company is not allowing any flexibility in reducing my loan payments or restoring the original contract to {$100.00}. I know that once I do become an XXXX XXXX, I will be more than capable of paying off my loans but as it stands I currently am unable to do so. Additionally, I am unable to refinance the loan through other companies as even they believe my monthly payments would be more than my current income. Please help me address these issues, as they do not seem to care about my ability to pay the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CA

Complaint narrative:
I received a response from Equifax re : Conf. XXXX. It fixed most of the issues but did not resolve the XXXX issue. The dates are still inaccurate and all over the map. They and XXXX need to fix it. How many times do I have to provide the same information for both to pay attention, read what is sent, absorb it and get the hint that I'm continuing to catch their errors? I'm just not clear on why they can't see what's right before them. I want it fixed and I'm not backing down. They can't seem to fix it so remove it! That's a fair resolution in my book. Otherwise they risk my suing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: MI

Complaint narrative:
I received an email on the XXXX of XXXX stating that Nelson and Cruz have just received an account in my name from an XXXX debt holding location.today I received a called from them stating that a judgement will be entered or has been.This account have been reporting on my credit reports since XXXX of XXXX by Nelson and Cruz. So I dont understand how they are emailing about another company. I have been disputing this account with them and the credit bureau which I have sent out multiple letters to Nelson and Cruz and the 3 credit bureau to verify that this is my account I have never received anything from neither. So Im not understanding how they are sending me an email stating that they just received this account. it has also come to my attention that this company have been reporting since XX/XX/XXXX that I made a payment in XX/XX/XXXX then in XX/XX/XXXX missed a payment XXXX and XXXX of XXXX they reporting me making payments even for XXXX of XXXX. I have never made any payments to this company at any point in time I do not believe that this is an account that belongs to me they are doing some Deceitful tactics to destroy my credit report and to collect a debt that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The information reporting on my credit report is not reporting accurately. The information is erroneous and I have requested several times that the company report accurately.

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 2021-02-24 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
The information reporting on my credit report is not reporting accurately. The information is erroneous and I have requested several times that the company report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Hospital sent bill to address that I no longer live at despite having changed my address with them multiple times. When contacting the collections agency they are telling me there is no way to remove the ding from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This is in response to the first CFPB complaint I submitted. Citi has responded but not provided a full picture of the events. 
This is what happened : -XX/XX/XXXXXXXX I cashed a check for {$1700.00} to withdraw my entire funds from the CITI Bank Account . 
-XX/XX/XXXXXXXX I logged in to my Citi account and NOTICED that my account balance was reduced to {$0.00} and the check was showing up as a debit on my account. This is the day I chatted with the CITI reps and asked them to close my account. ( My balance was already showing as {$0.00} ). 
-XX/XX/XXXXXXXX My other bank ( where I cashed the Citi check ) informed me that the check had bounced, and I was charged {$34.00} bounced check fee from my own bank. I don't know why the check had bounced if CITI had already reduced my balance to {$0.00} on XX/XX/XXXX. 
-XX/XX/XXXXXXXX Yes I logged back in and noticed that my entire balance of {$1700.00} was still available, so I XXXX that back into my own bank to reduce the balance to {$0.00} and let the account close. 

After this, CITI Charged me a " bounced check fee '' as well ( not sure why if the check was already showing as cashed from CITI when I asked them to close it ). Then every month CITI charged me an overdraft fee to accrue multiple charges in fees. Yes as you stated, I was receiving statements, however if you see I also have 2 credit cards with CITI with a {$0.00} balance that I haven't used in a while. So when I was receiving my ELECTRONIC statement notifications via email, I was deleting them as the email only says " Your statement is ready '' and I never open the CC ones since I don't use my CC 's so I ignore those emails. 

Lastly, IF there was indeed an issue with closing my account why did the customer service rep not mention that there was anything pending? The CSR on chat Confirmed I had a {$0.00} balance ( implying my check had cleared ) and proceeded to close the 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 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good Afternoon, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

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 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have not been able to log in to my Fulton Bank account for over a month. I have tried about 20 times. 

I try to log in with the SAME computer, SAME operating system, SAME user name, and SAME password as I have used previously to successfully log in. But it no longer works. 

I get a message " We are temporarily experiencing technical difficulties ; try again later. If the problem persists contact us at XXXX. ' ( See attached pdf for screenshot. ) I have phoned that number several times, most recently I spoke with XXXX on Wed XX/XX/2021. She connected me the technical department, where a recording said to leave my name and phone number and somebody would call me back within 3 days. It's been 7 days and I haven't heard anything.

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 2021-02-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I call USAA to inquire about one of the reason that USAA denied by auto loan application. That reason USAA listed from an XXXX  credit report dated XX/XX/XXXX was " Collection action or judgement or foreclosure or repossession or garnishment or attachment or lien ''. The customer service rep from USAA check for information from their XXXX  credit report to see why USAA listed the reason stated above. The USAA rep confirmed that the above reason was listed due to the bankruptcy that was listed on their lender 's version of the credit report from XXXX. Now, I did file for bankruptcy in XXXX but that came off my credit report in XXXX. When I told the rep this, the rep said the credit report they get listed a two year history on Public Records including bankruptcies. I argued that bankruptcies should only be on a credit report for 10 years as my penance for filing for a bankruptcy. The rep then said I should call XXXX. When I called XXXX, they pulled up the credit report they supplies to USAA on XXXX XXXX and it did not show any Public Records including no sign of my bankruptcy that I filed. I was also able to see the same XXXX XXXX report on my XXXX membership account and could confirmed that there were no public records. My next step is to call back USAA and report what XXXX told me over the phone and submit the same credit report XXXX submitted to USAA that I downloaded my self.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm writing this complaint because I recently found out that Chase has been deceptive and has unfairly charged me a {$30.00} a month checking fee for the past 19 years.The bank did this by placing me in a high minimum balance business account in order to deceive me and charge me a fixed monthly fee knowing I would never meet that minimum balance requirement.They intentionally engaged in unfair practices when they opened up the wrong checking account for me. 

I had opened a business account on XX/XX/2002 and was not told that I needed to maintain a {$30000.00} minimum balance at that time. I opened the account with a small balance of XXXX {$1000.00} to use for my freelance teaching work and never had any expectation that I would be anywhere near a balance higher than about {$5000.00} for that period. I assumed that when I was charged {$30.00} a month all these years it was the normal fee for someone with the fairly small balance that I had maintained. However, I recently found out I was placed in this high {$30000.00} minimum balance account and now I believe that the bank intentionally signed me up for an account that was not appropriate for me. As a result of this deception, Chase unfairly charged me thousands of dollars since the account opening.How many other people have they done this too? 

I recently requested to be switched to an account with a more appropriate and realistic minimum balance threshold. However, I would also like Chase to reimburse the entire amount of fees I was unfairly charged all these years. To date, I was only reimbursed 3 months ' worth in the amount of {$90.00}. 

Thank you in advance for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
I have tried to work with PHH but they had continued to deny that they even had my loan. I called several times and they advised my loan was not with them when I had been receiving notices and mortgage statements from them. I now have a foreclosure sale date and I am afraid to lose my home because they people didnt want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TX

Complaint narrative:
I have made several attempts to reach out to Experian about my disputes and they keep stating they check with the vendor and they assured them it was mine. I have also reached out to the debt collections agency directly requesting validation docs and they can't provide me with anything verifying the account belongs to me. Makes me wonder how does Experian actually do there validations. I have also sent a direct letter from a debt collection stating they would remove it from my account because it actually shouldn't have been there and i sent the letter to Experian stating this and they choose to keep reporting the derogatory information eve thought its 's not mine. This is really hurting me with my purchase of a home and its really disturbing knowing you put your trust in the credit bureau and hope they are reporting correctly. Furthermore when I take the extra step to see if the collection agency can provide me with validation of the account and they can't then why are they able to put negative inaccurate information on my report? I have reached out to XXXX XXXX XXXX and all they offered me was payment plans why would i want a payment plan on a debt you can't validate. Procollect the same thing instead of validating the debt they just asked me to pay and I ask them for information bearing my signature and when did we do business and they hung up on me. XXXX XXXX XXXX states to be a representative for XXXX and I'm currently a customer of progressive they said they would look into it and I never heard back or received anything in the mail. The final Collection company XXXX they put the invalid information on my report I called them for verification they said it was from XXXX  at an address I never live at and they also sent a letter that they would dispute the account. The same letter was sent to Experian and they refuse to remove the inaccurate information. All of these companies failed to send me validation so, but Experian claims the accounts are indeed mines. I requested method of validation from Experian based on me knowing these accounts are not mine and they have yet to respond my disputes return as item remains. I have really run out of options the collection agencies are not responsive, but seem to be responding to Experian I'm the consumer in the middle requesting the information yet receiving none.

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 2021-02-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I purchased a MasterCard gift /prepaid card for the amount of {$75.00}, Upon getting home I registered the Card online, to my address, name, and phone number. when I went to use this card I couldn't find it, So after turning my house over and over, I realized to just report it " LOST '' .when reporting it lost I sharded the total info to them, they acted XXXX and stupid. Pretended to want to replace it and nothing happen. due to this fraud, a scamming business does unethical and illegal practices. they had my info and knew that and still would refund me a new card for the Lost one. also asking for my social security number and scamming more, I would like these people investigated, and taken to Federal court for fraud and Theft. thank you, would like your involvement in seeking restitution for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
In XXXX of 2019 XXXX XXXX XXXX  XXXX placed a collection of {$85.00} on my account, that is now owned by OAC and being reported negatively on my consumer report. I was living in XXXX, CA at this time and nowhere near XXXX. which this medical bill is for. I have always received my care at XXXX facilities. I have no knowledge of this account and no way of verifying.

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