vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
i open my account on XX/XX/2021 i made a deposit of {$100.00} for my new account. 
further more since i just started with my new account i ask was their anything uncommon i need to be advise of on this account checking. the answer was ( no ) after i ask more question about my new account what are the great features. there was nothing special to say so i left with some checks and new paper work in my account. i called on my second day to set up online bank with the bbt i was told ( no ) they was unable to help since they didn't feel like working go to the branch or call back later on when they are not busy. my account has been locked for months with zero help from ( bbt ) so i can check my account get help instantly i was denied help as a new customers.. thats poor customers and the ball been drop more times!!!. pictures will be uploaded.. don't miss used a new customers with games and poor customers services skill and don't use we had software updates or errors in the system as a ( excuses ) be fair and honesty with people none these charges should be on my account at all. since i never able to sign up for my account at all or able to address anything or view my account needs at any given time..

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 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I received final loan modification agreement of installment payment after my COVID forbearance. 

On XX/XX/2021 I received a notification that my mortgage payment was going to be {$1700.00} more from our agreement amount. 

According to agreement everything was already calculated escrow, past due, etc Today XX/XX/XXXX I have been going back and fourth trying to figure out why my payment almost doubled. Between contacting escrow department customer service and the loan modification department continue to point fingers at each other, then they say my homeowners county tax doubled witch is not true. 

They disbursed XXXX last year in taxes but the county only received XXXX, I am not sure how they are stating they paid that amount and they cant give me dates and there online system is very limited on what I can see. I need help regulating this lender because there terms and conditions for our agreement never stated I was past due on my Escrow account. 

According to the loan modification agreement terms sent in XX/XX/2021 I was only short XXXX, and I funded it with my proposed payments agreement prior to the loan modification agreement finalization. 

I attached the document. 


I need urgent help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I opened a bank account at Bank of America in XXXX and 2 legal orders withdrew all my balance, no information was obtained since XX/XX/XXXX. 

Legal order on XXXX XXXX XXXX took all the balance of XXXX USD Legal order on XXXX XXXX XXXX took all the balance of XXXX USD First contacts with Bank of America by calling XXXX, they gave me an email address related that is XXXX and I emailed twice on XXXX and twice on XXXX but never receive a response. 
Second contacts with Bank of America by calling XXXX, they explained there was a court order against me so the money was gone but they refused to send me a copy of such court order. 
Recent contacts with Bank of America, a specialist claimed that I should go to California Tax Centre. Again no information was found related to these two legal orders and they said I am not supposed to pay tax since I am non resident alien who don't live in U.S. and no income inside U.S. ever. 

I am tired of this kind of invalid process and the failed explanation of Bank of America, so I want to complain.

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 2021-09-01 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: MO

Complaint narrative:
someone got a car loan in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: MO

Complaint narrative:
someone got a car loan in my name

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 2021-09-01 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: PA

Complaint narrative:
The accounts and inquiries listed below are fraudulent. These are unautherized I did not contact any of these creditors, nor do I have possession of any of the things belonging to these accounts and inquiries. Please remove these accounts and inquiries. I was told to fill out this FTC document that is attached to this complaint. I have also attached my ideninfication to this complaint, to help ideninfy me. Please remove these accounts and inquiries below as they are fraudulent and someone has stolen my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX 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 2021-09-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have disputed a charge for XXXX from XXXX on my Chase credit card. 
However, Chase rejected my dispute out right without investigating it. 

This is a violation of my rights under Federal Fair Credit Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX submitted dispute regarding bankruptcy and ask the company how they verified the item. XXXX XXXX didn't have the information on file and transunion stated that's who they verified with.

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 2021-09-01 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Shortly after opening my American Express card, I setup billing from my bank checking account and enabled Autopay. My bank declined my first payment for some reason, but worked a few days later with the same account number/routing number. Unbeknownst to me, American Express cancelled my autopay. While they informed me that the payment didnt go through originally, I was never notified that autopay was cancelled. 

This month, I expected that my statement would automatically be settled through autopay, but I was surprised when I checked my account and I was assessed a late fee. I worked with Amex to reverse the fee after explaining that they cancelled autopay without my knowledge. 

My main complaint and worry is that this credit card company is able to cancel autopay and not notify customers that this has taken place. This allows them to be predatory in collecting late fees that customers dont expect because their accounts go past due, when they shouldnt due to autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
want a late fee remove frist time

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 2021-09-01 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: PA

Complaint narrative:
I have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX US DEPT OF EDUCATION/XXXX  US DEPT. OF EDUCATION/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
About 4-5 months ago, when I checked my accounts, my bank account showed timely mortgage payment transaction ( usually near the due date ), but my mortgage account with Mr Cooper did not post the transaction. I talked with representatives of both my XXXX XXXX  and Mr Cooper separately. Mr Cooper employee acknowledged that the check was received, but not cashed and posted in my account. He mentioned that I have no fault since they received the check and it is their internal issue. He did not send me any proof to verify his statement even after I requested. However, I continued my payment on time. I did not check my statement every month as I knew there was no issue. Recently, I checked Mr. Cooper account and was surprised that I am due $ XXXX instead of {$2300.00}. I started looking older statements. The XXXX statement assessed a fee of {$49.00} and XXXX statement assessed a fee of {$92.00}. Cooper increased my due amount to {$4700.00} without any reason since XXXX XXXX Cooper did not post my XX/XX/2021 payment ( refer to bank 's bill pay PDF ) on XXXX statement. There is no reason why it assessed {$49.00} in XXXX and {$92.00} in XXXX. I called them 3 times in the last 2-3 weeks. Customer services are useless. They can only speak " contact your bank, you did not pay your last payment ''. This seems to be their memorized sentences. I wanted to send them proof of bank transactions, they do not understand those. They even could not access my current and previous statements. it seems they could not see my XXXX fee of {$49.00} in their transaction list. 

what I find is that Mr. Cooper is providing false statement and increased my due without addressing their own problem of loosing check or skipping transaction history. I have attached my bank 's bill pay history. They do not have anyone who can communicate with client to verify transactions. 

Mr. Cooper 's accounting manipulation shall be stopped. I want Mr Cooper to fix my account as soon as possible and revise all past and current statements by removing fees. If Cooper misplaced a check or did not cashed that shall not be my fault as their representative mentioned. Mr Cooper should be able to find my older conversation with their representatives which took place 4-6 months ago. 

Last year, I had to fire this mortgage company for refinancing another house because Mr. Cooper could not close my refinance even after 6 months. The worst mortgage company in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: PA

Complaint narrative:
XX/XX/XXXX Loan XXXX Incorrect late payments being reported Per FTC and CFB I am writing to request the below information being reported on my credit report to reflect on time from XXXX to XXXX A PMAP application was submitted and the back did not respond in rime. For 8 months after being unemployed for over a year I went back to work and made monthly payments for 8 months. I was never contacted By phone or email during that period of time and then after eight months a litter of foreclosure was sent. The bank has since removed the foreclosure notice but the information stating the loan was grossly past due must be resolved immediately. It is harming my chances of fair credit approval and causing debt.. 
The following need to be removed : 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Please investigate this matter with XXXX XXXX  XXXX Pa XXXX and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 
Sincerely, 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 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Bank Wells Fargo picks and chooses when they are going to charge overdraft fees and when they are going to pay a bill or not. I will go to sleep and my account it positive and there is enough to cover pending charges. Then all of sudden days later the date of the charged is changed and I have been charged an overdraft fee. They have recently even had notices within the app that says your balance amount may not be accurate. In this unprecedented time I don't feel like Wells Fargo wants to see it's customers succeed. I have a second chance checking account and because of some hardships I am limited in who I can bank with. I feel like Wells Fargo takes advantage of the underprivileged. When I spoke to Wells Fargo representative they lacked empathy and professionalism and did little in the means of acknowledging my concerns. The spokesperson I spoke with name was XXXX. You would have thought I was taking money out of her pocket by the way she addressed me.

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 2021-09-01 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: PA

Complaint narrative:
I have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX US DEPT OF EDUCATION/XXXX US DEPT. OF EDUCATION/XX/XX/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 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX, XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, Transunion and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX, XXXX XXXX XXXX XXXX, XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.

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 2021-09-01 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: NJ

Complaint narrative:
XXXX, XXXX/XXXX  XXXX, XXXX, XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, XXXX and Equifax. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX, XXXX/XXXX  XXXX, XXXX, XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.

Company response to consumer: Closed with explanation