vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2020, I refinanced my home mortgage. The loan was sent to : XXXX XXXX XXXX, ( XXXX ), address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT, XXXX became the servicer of my new loan ( account # : XXXX ) The loan was then sold to Wells Fargo Home Mortgage ( Wells Fargo HM ) ; XXXX XXXX XXXX, XXXX XXXX , IA , XXXX. ( account # XXXX ). 

During the transfer from XXXX to Wells Fargo HM, an additional payment I made towards Escrow, in the amount of {$5100.00} was not applied to my account at Wells Fargo. 
I have contacted XXXX countless times about the problem ( at least 7 ), as well as many long calls to Wells Fargo HM ( at least 5 ) in search of my payment towards my escrow. 
XXXX states that the funds were sent to Wells Fargo HM, however Wells Fargo HM customer care rep keeps sending me back to XXXX for the whereabouts of my missing Escrow Payment? 
I have been searching for this {$5100.00} of my money for over 4 months ( Since XXXX ). Both companies keep pointing the issues at each other, and not one of them will help address the lost money. 
The second issue is I made several additional complete mortgage payments to XXXX prior to the transfer of the mortgage to Wells Fargo HM, however instead of applying those additional payments towards Principal, they were held in an account called " suspense '' and not applied towards the principal, this increased the percentage of the payment applied towards interest accrued, by not reducing the balance on the advanced payment towards the principal. 
I want the CFPB to help me get my {$5100.00} properly applied towards my escrow account at my current servicer, Wells Fargo XXXX, and verify that ALL payments made to XXXX were properly applied to my new account at Wells Fargo Home Mortgage. 

Thank You, XXXX XXXX XXXX FL

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
PERSONAL INFORMATION on my credit report is inaccurate and despite several requests, has not been updated XXXX XXXX : ( 1 ) FCRA 15U.S.C.Sec. 1681i ( a ) this account has not been verified and more than 30 days have passed. ( 2 ) As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature that has not been provided. ( 3 ) High credit is inconsistently and inaccurately reported amongst the three bureaus. ( 4 ) the XXXX  is inconsistently and inaccurately reported amongst the three bureaus. ( 5 ) incomplete account number and inconsistent reporting with each bureau. XXXX  ( 1 ) FCRA 15U.S.C.Sec. 1681i ( a ) this account has not been verified and more than 30 days have passed. ( 2 ) As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature that has not been provide. ( 3 ) High credit is inconsistently and inaccurately reported amongst the three bureaus. ( 4 ) the XXXX  is inconsistently and inaccurately reported amongst the three bureaus and indicates no investigation was done of the bureau and/or creditor would have updated the dola. ( 5 ) incomplete and inconsistent 2-year payment history reporting with each bureau. ( 6 ) XXXX  inconsistent and inaccurate across the three bureaus.

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
A balance of XXXX is reported as medical debt. I can not find the any information about what company initiated this report? There is no information for which I can verify or deny the reported debt.

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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: WI

Complaint narrative:
I refinanced and paid off my Amerihome mortgage Loan Account # XXXX, and the pay funding took place on XX/XX/XXXX. I was told that the escrow surplus would be dispersed 15 days after payoff XX/XX/XXXX. And that it could take up to 10 days mailing - arriving by XX/XX/XXXX. Upon my third call to Amerihome I was told that I would receive the check by XX/XX/XXXX. The check has not yet arrived, So I call again and am told that the check was sent on XXXXand that I must wait 30 days, until XX/XX/XXXX. At that point they would stop payment and reissue a check that could take up to another 15 days to mail. Between the message the person that answered the phone keep repeating and being placed on hold I was on the phone for 1 hour and 35 minutes. I asked over and over to speak with a supervisor and told by XXXX that this had to be approved! At about 1 hour and 45 minutes, I was told said she would finally transfer me to a supervisor and in fact transfer me back to the opening phone que, after listening to all the recorded options again, I hung up. I feel like I am being scammed out of my escrow money. it is only {$200.00}, but during this pandemic - everything counts. 

This is NOT how a reasonable financial transfer should work and this is NOT how people should be treated. 

I wonder how many other checks they are holding out on. Or how many people have just given up. 49 day sis to long of a wait. Makes one wondering of the financial stability of the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

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 2021-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau and still no response. I have fought and served my country I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to emotional stress you have caused me. I have a veteran who suffers from XXXX and this is only adding to my stress level of the inaccurate, unverfied accounts being negatively reported. It is not my fault that my information impacted by the XXXX data breach and now I having to fight to prove whats right and whats wrong and these bureaus are not on the same page as far as accuracy because each one says something different so how can that be accurate???

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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I opened the Synchrony Bank PayPal MasterCard summer of XXXX and set up autopay for minimum balance in XX/XX/XXXX. I have paid off the card in full nearly every month and never missed a payment. 


I checked my card today XX/XX/XXXX and was surprised to see an automatic payment for {$740.00} considering I manually paid {$200.00} XX/XX/XXXX and my minimum payment was more than covered. 


I checked my email - my last autopay change email was in XX/XX/XXXX when I set up the autopay initially, or so I thought. 


In my spam folder, marked as a phishing/spam email, I had received two notifications indicating my autopay had been changed to " statement balance '', and to call a new number if I did not authorize this change. As I never saw the email, I did not get the opportunity to change this - I never received mail or other notification indicating this change. 


When I called Synchrony, they were unable to help me and transferred me to a PayPal number that did not deal with the PayPal Mastercard. I called again about an hour later after attempting to have an ACH stop put on my checking account.

Synchrony said that in 2-3 weeks, I would receive a check for the {$740.00} payment I did not authorize ... they gave no information about what this meant for my credit card payment. Obviously I can't pay my bill if the entire balance of my checking account is floating in the aether for 2-3 weeks. They were unable to give me email or written confirmation that this check would be sent. On the phone they also " upgraded '' my card to a new account with a different account number. I no longer have access to my payment or charge history beyond screenshots I've taken during this entire process. 


I did not consent to the automatic payment of {$740.00}, and now I have to wait nearly a month for the privilege of maybe receiving a check for this amount.

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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On three occasions I have made pre-payments marked as 'principle only, but on each occasion they have taken interest out to their benefit. In each case I need to spend 30 minutes on the phone to have the error corrected, and they claim there is nothing they can do about it. When I asked to speak with a supervisor, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
Companies : 1. XXXX XXXX 2. Genesys National Recovery XXXX XXXX with executive order during emergency covid-19 closed gym without providing services, debit account monthly. I have never received answers and they have never solved my problem since since XX/XX/2020 I issued a request to cancel the contract and they do not cancel according to its clause 10 of XXXX XXXX If they are closed for 90 days it can be canceled without any charge and that is what XXXX XXXX has not done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card with Capital One with a XXXX expiration date. I contacted them on XX/XX/XXXX to ensure the card is still active. I was advised that they had cancelled the card effective XX/XX/XXXX. They claim to have sent me 2 notifications by mail, which I never received. They have a valid e-mail address for me and had sent me other notifications via that method yet opted to communicate only through mail. As the card was cancelled without my authorization, but theirs due to their perceived lack of usage, I lost rewards dollars of approximately {$61.00}. They claim there is no way to credit me that amount in any form as the account is closed. I find this hard to believe as they would have the ability to lace a credit on the account should I get a new card ( which is foolish as they should never have cancelled my card in the first place ). They also had the arrogance to tell me I need to contact them when I do not use their card so they can indicate this in my file. I did not realize that I work for them. With a deposit account, my balance would be escheated to the state and I would have an opportunity to claim it, but with their rewards program they get to keep that money which I earned through using their card. Further, the reason for obtaining their card in the first place was the rewards program. All communication except the final denial was verbal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial checked my XXXX XXXX more than once. They recorded XXXX hard inquiries when they shouldnt have.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings
State: AL

Complaint narrative:
The creditor of IQ Data International keep calling about false debt and threatening me over the phone. I told them thee debt was inaccurate but they keep calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on the beginning of this pandemic, I applied for a job that turned out to be a scam. 
i had a check deposited into my bank of america checking account, and the check was cleared after almost 2 weeks. At this point, i thought i wasn't even employed anymore, so long i had my " boss '' waiting for that check to be cleared. 
turns out one day, after a few errands that we ran, bank of america called saying that it was a fake check, and that I had to return the money to the account, money which i have not benefited from. 

they blocked my account and credit card, and the funds that I had there.

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 2021-02-10 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 recently submit a complaint and dispute an allege debt on my credit report shown as XXXX  an Experian stated the dispute but then the result show me no changes and the account should be deleted. please delete this alleged debt on my 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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Prior to annual Southwest Chase Card renewal ( XXXX ) I called Chase Bank to see if waiving the annual fee was an option. I was told by Chase representative that they would rebate the {$69.00} fee within 3 billing cycles. After waiting 3 months I realized that Chase had not lived up to their promise. When I called Chase ... they claimed there was no " memo '' in my account that documented this promise and they would not rebate the card fee. I argued that I could have simply canceled the card since the Southwest benefits are not really useful at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: MD

Complaint narrative:
My name is XXXX XXXX  XXXX XXXX and I am an XXXX XXXXXXXX XXXX XXXX  currently stationed at XXXX XXXX XXXX XXXX. I am writing to request assistance in disputing an error reported by your company to the credit bureau. 

During a loan prequal credit check, I was notified that LoanCare reported eight late payments to the credit bureaus for the year XXXX. I have been a valued member of this company for many years and during this time, I have taken great pride in paying my mortagage on time each month. 

I have a copy of my bank account which reflects ontime payments for the entire year of XXXX and XXXX. I am due to XXXX in a month and would like to purchase a new home for my family to reside while I am away but this negative credit report is hindering me from qualifiying for a loan. Please help me investigate this matter and to correct/delete the disputed item [ s ] as soon as possible. 

My loan officer has contacted the credit bureau and submitted said bank statement, however it was reported that a letter needs to come from loancare in order for them to delete these late accounts. This company has a history of dealing very negligently with customers as evident by the hundreds of very like XXXX complaints. 


Sincerely, 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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We have our mortgage through NewRez, and we have an escrow account with them to pay our taxes and home insurance. We have never missed a payment. Last XXXX, we received a notice of cancellation of insurance from XXXX. We called and they inform us that they didn't receive a payment from NewRez. After a long run around, we did a conference call with XXXX and NewRez where the agents from both companies exchanged information. Due to the time constraint, NewRez asked for an overnight address to send the payment before the deadline of XX/XX/2020. After a couple days, we called and we were informed that it was processed. We started a refinance with NewRez in XXXX, and today we received an email from the processor that we have no home insurance. We called and stayed for over 3 hours on the phone, they finally found out that the payment was sent to the wrong place and it was cashed but not applied to our account. We found out that NewRez has been charging Forced Mortgage Insurance since XXXX even though they are the ones all along with XXXX who messed up this whole thing. We called today and paid out of our packet for a home insurance to cover our property. since it will not be resolved quickly. We are baring the loss that we have to pay extra for failure to pay our previous policy ( even though as costumers we were dragged between the two, each one of them is pointing finger at the other ). All XXXX could say is, due to COVID all this happened and no one is assuming responsibility for this deceptive and abusive service ( as described by XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I tried telling the credit bureaus that this information on my credit report is incorrect ( as the picture below shows ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and my payment history is all wrong. The only bureau that was mostly correct was transunion, and even their report was inaccurate with my no payment history.

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 2021-02-10 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:
I have been a victim of Identity Theft through XXXX XXXX XXXX in XXXX.The latest being the openings of several accounts. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I ask that you recognize that the following accounts are fraudulent as a result of this breach : XXXX XXXX XXXX, XXXX XXXX XXXX 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